At age 24, Moises Estevez was attending school during the day and working as a butcher at a local grocery store at night – a schedule that had him on the clock from 7 a.m. to 12 midnight. He wasn’t exactly happy about the path he was on, but he wasn’t sure how to change it. “Working long hours was normal for me,” says Moises.

Moises moved to the United States from Oaxaca, Mexico, at the age of 15 with a focus on working hard, doing well in school and being grateful for the opportunities afforded to him. When he was approached about joining Primerica and earning extra income part-time, the prospect caught his attention.^{1, 2, 3}

“Sign me up,” Moises thought. What he didn’t know is that he would find much more through the opportunity – he found a way out. And today, he gets to share that success with those around him.

“Primerica literally changed my life so that my thinking is not the same – the income potential is good, but what makes me happier is helping my teammates and community think differently,” says Moises. “We teach families how to retire with dignity, and in my community, there’s a big necessity for that. Before Primerica, I never knew anything about The Rule of 72.⁴ Now, I get to make a difference by educating those I know. I get to help people make financial decisions that will benefit their families for generations.”

Moises credits his business successes to putting into practice the tools Primerica Founder Art Williams outlines in his 1985 book Pushing Up People. He reflects: “You’ve got to take care of your people, especially when everything is not good. People are going to love you because of who you are. Don’t lie. Tell the truth. Love your people. Put them first and they will love and take care of you.”

Moises saw his business change dramatically once he finally understood that he needed to put his people first. “I realized, if we help these people become leaders, everything will fall into place,” he says. “Today, my main focus is being grateful, providing the tools to my people and emphasizing that we’re not here to build a short-term business, but we’re here to build a long-term business.”

Moises and his wife and Partner, Ilse, who came to the U.S. from Chihuahua, Mexico, at the age of 19, are building their Primerica career together with positivity and optimism.⁵ In his professional life, Moises has adopted a technique he calls “winning the day.”

“It’s in every facet of our lives,” says Moises, “You begin with prayer, exercise, eating healthy, investing in your business and investing in your family. We don’t have days off. That’s how I win my day. I’ve been practicing this for over three years now.”

In the six years Moises has spent building his Primerica career, he has come a long way from the working college student who wasn’t necessarily excited about what came next. Today, he is well aware of the value he provides for his family, his teammates, his clients and his community. Now he sees himself as a coach that others come to for advice, and he couldn’t be more grateful.

“I joined Primerica because of the income potential, but I stayed because of the difference I could make,” says Moises. “Primerica opened me up to a different way to see life and helped me to have different experiences. Thanks to Primerica, I’m able to be a better dad, a better husband, a better brother, a better son and a better friend. To me, making that kind of difference is so important.”

1. Primerica Representatives are independent contractors and are not employees of Primerica. Representatives earn income through the sale of products and are not paid to recruit. 2. Primerica offers a business opportunity that involves the sale of term life insurance and various other financial service products. Primerica representatives are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and also qualifying product referrals. Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale. 3. In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation. 4. The Rule of 72 concept works from a mathematical standpoint and is not intended to represent an investment. It uses constant rates of return, unlike actual investments which will fluctuate in value. It also does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 10% or more on a consistent basis. 5. The Partnership Empowerment Program (PEP) is a recognition program for supportive partnering among Primerica representatives. It does not signify a business or legal partnership. PEP cannot affect, combine or alter contractual compensation, hierarchical agreements or Ownership issues.