Fremont & Kimberly Greene
Houston, TX
Former Occupation: Student

AN EARLY WIN

Fremont was 18 years old and in college when he was first introduced to Primerica. “My aunt let me borrow her house for my 18th birthday party,” he recalls. “I organized a sizeable poker tournament, and a guy at the party was impressed that I, at such a young age, had organized such a well-planned event. I didn’t know who he was, but he invited me to lunch to discuss a business opportunity.”

“Our story didn’t start at a kitchen table; it was a poker table,” laughs Kimberly.

When the two met for lunch, Fremont was only three months into his freshman year and had already concluded that college wasn’t for him. “I wasn’t passionate about a specific career, so I was following in my dad’s footsteps and studying engineering,” says Fremont. His father, a geophysicist, had fully funded college savings plans for all of his children and was very hopeful they would all be successful in academics. So, when Fremont asked to speak outside the house with his dad, they met under a large oak tree. “I told him how I felt about college and that I wanted to try to build a Primerica business,” he remembers. “My dad was so gracious and told me to go for it and use the four years I would have spent in college to build a successful Primerica business.”^{1, 2}

TWO OF A KIND

Kimberly met Fremont at a church group for singles. She, too, was impressed by his business savvy and she decided to date him even though he was four years younger. “At that age, four years makes a big difference,” she says. “I was already a college graduate and a teacher, but something about 18-year-old Fremont was exceptional. His superpower is consistency, day-to-day making the decision to do what’s right.”

“We came from very similar backgrounds,” Kimberly remembers. “We were both raised in the church and had wonderful, kind parents.” Fremont interjects, “If we can do half the job our parents did for us, we’ll consider the parenting of our kids a huge win.”

Today, the couple is married and in business together. Kimberly is fully licensed and juggles their team’s securities licensing, Saturday trainings and monthly women’s meetings with homeschooling and running the Greene household.^{3, 4, 5} Kimberly and Fremont have three children: Tucker, age 14; Ryland, 11; Maelyn, 9. “I call it the ‘messy middle of life’ stage,” laughs Kimberly.

Fremont spends his days running the business and meeting with clients. “We follow the ‘God, Family, Business’ model through all aspects of our lives,” Fremont says. “We were raised to have our lives in alignment with our faith, and everyone participates in the business. In fact, our three children work as the yard maintenance crew at our office.” Kimberly shares, “We’re always told how our kids are great at speaking with adults and using eye contact. That’s from the time they spend at Primerica meetings and events!”⁶

A FULL HOUSE

Fremont explains, “We have a melting pot of talented people on our team, and it’s one of the things of which we’re most proud. We have teammates from Pakistan, Bangladesh, Nigeria, Mexico, and El Salvador, for example. Some of that stems from the fact we are in a diverse city like Houston, but it also comes from our belief that everyone can succeed in this business, and we want to lock hands with anyone who will lock hands with us!”

WATCHING FAMILIES WIN

“The relationships we make with families are some of the most rewarding aspects of our business,” reports Fremont. “What starts as a conversation turns into a client, which turns into a connection that can span years of client care.”

Fremont shares that one of his favorite client stories happened through a kitchen table conversation. He met a young couple in their twenties with a new baby and $100,000 in debt. “We were able to provide life insurance and retirement savings plans, but we bonded the most over the debt stacking strategy, which is a simple financial concept,” he explains. “They would text me pictures of their debt stacker from their refrigerator and shared their progress with me. From time to time, they’d share their exciting progress and three years later, they had reduced their debt from $100,000 to zero.”^{7, 8}

With no plans of slowing down, the Greenes are poised to sustain their legacy of family values and leadership for a very long time. “We’re profoundly thankful for Primerica,” Fremont says. “We’re excited to see what’s next for our family and team.”

1. 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.
2. From January 1 through December 31, 2024, Primerica paid our life-licensed sales force members an average of $7,757, reflected in local currency, unadjusted for exchange rates. Representatives typically pay an initial fee of $99 USD ($103.95 CAD in Canada, inclusive of taxes) to provide for training and licensing and also may incur ongoing personal expenses to conduct business. Our representatives earn varying levels of income and the cash flow shown reflects an extraordinary level of success that is not typical of the sales force.
3. Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale.
4. If you decide to join Primerica, please know that there is a $99 (outside of US prices) Independent Business Application fee ($103.95 in Canada), which covers the cost of pre-licensing education and training, and the costs to obtain an insurance license. In addition, for a monthly fee of $25 ($28 in Canada), representatives are able to access important business building tools through our Company intranet website.
5. In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation.
6. The opinions expressed, including any specific religious viewpoints, are not necessarily the opinions of Primerica.
7. Debt stacking optimizes your total monthly payment by focusing on paying off each debt in an efficient manner. As each debt is paid off, that payment is applied to the next debt in the plan until all debts are paid off. Neither Primerica nor its representatives are certified or registered financial planners or tax advisors and do not offer or provide services such as credit repair or improvement, budget planning, debt or credit counseling, debt management or settlement, or other similar services.
8. Primerica representatives market term life insurance underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY in New York State; Primerica Life Insurance Company, Executive Offices: Duluth, GA in all other U.S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Suite 400, 6985 Financial Drive, Mississauga, ON, L5N 0G3, Phone: 905-812-2900 in Canada. In the U.S., securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, GA 30099-0001, member FINRA [www.finra.org]. PFS Investments Inc. conducts its advisory business under the name Primerica Advisors. Primerica and PFS Investments are affiliated companies. In Canada, mutual funds are offered by PFSL Investments Canada Ltd., mutual fund dealer. Head Office: Mississauga, ON.