Myrna & Juan Guerrero
Goodyear, AZ
Former Occupation: Accounting/Warehouse Worker

When Myrna & Juan Guerrero, of Goodyear, AZ, first learned about Primerica, they were only looking to earn an extra $500 a month to pay off debt. As it turned out, the entrepreneurial business opportunity turned out to be much more than simply a way to make some extra income.^{1, 2} Over the past 20 years, the couple has created a family legacy they only could have dreamed of before.

“We are extremely blessed to have been introduced to Primerica over two decades ago,” Myrna smiles. “It changed our lives, and we will forever be grateful to God and to Primerica.”

Desperate for Change

Years ago, Juan operated a forklift at a warehouse, and Myrna crunched numbers day after day as an accountant. Even though they worked hard and set money aside in the retirement plans offered by their employers, they could never seem to get ahead financially. “We were barely making ends meet,” Myrna recalls. “We lived paycheck to paycheck, and as an accountant I knew that I had to save $1 million in order to retire comfortably one day.”

An Opportunity Arises

Juan learned about the Primerica Opportunity from a friend who played on his softball team. The friend asked if he could sit down with the Guerreros at their home and speak with them about their finances. Myrna and Juan agreed to sit down with him, and they gained immediate insight into how they could save money by obtaining a term life policy with Primerica.³ “At the time, we had a universal life policy, and we were paying a lot more than what Primerica offered us,” said Myrna. “Switching to term enabled us to free up some money that we desperately needed.”

Igniting a Fire

In addition to saving money on the financial solutions they were already paying for, what Juan and Myrna learned at that initial meeting ignited a fire within them that would change their lives forever. When Myrna learned about Primerica’s Crusade – the cornerstone philosophy that middle income families are better off buying term insurance and investing the difference in mutual funds – hit close to home due to a situation involving her sister.^{4, 5}

“My sister passed away after a car accident in 2002,” she shares. “She had a group insurance policy through work, but it wouldn’t pay out because she hadn’t passed away inside the vehicle, which was a stipulation of her policy.”

Consequently, the couple joined Primerica and made it their mission to “right a wrong” they saw occurring. They felt compelled to spread financial education in their communities so others couldn’t be taken advantage of by what they didn’t know. “The Crusade became a passion for us,” Myrna recalls. “We felt we needed to educate people so they wouldn’t experience what happened to our family.”

Finding Their Purpose

With their own personal story as proof that hard work and the right opportunity can be a recipe for success, Myrna and Juan have worked side by side building a business with the Primerica Crusade as their foundation. They stand firm in the belief that, “Primerica does the right thing for families, 100 percent of the time.”

“Juan and I have loved the opportunity to work together and become best friends in the process,” Myrna states. “We constantly challenge each other to become better, and that would have never been possible anywhere else. The fact that we’re able to share this opportunity with others and help families achieve their goals is amazing.”

The process of building a business together has led to self-improvement in all areas of their lives. “We became fanatical about self-improving, our marriage became stronger, and our relationship with God became stronger,” smiles Myrna, proudly. “Primerica has given us the freedom to enjoy our life, live on our terms, and be very present with our grandchildren. If I had stayed at my accounting job, my children wouldn’t be working with us and building a family legacy for their own families.”⁶

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. Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale.
3. 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.
4. Cash value life insurance can be universal life, whole life, etc., and may contain features in addition to death protection, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Cash value insurance usually has level premiums for the life of the policy. Term insurance provides a death benefit and its premiums increase after initial premium periods at certain ages.
5. PRIMERICA and the Primerica Logo are trademarks of Primerica, Inc., registered in the U.S. and Canada. HOW MONEY WORKS™ is a trademark of Primerica, Inc. All rights reserved.
6. The opinions expressed, including any specific religious viewpoints, are not necessarily the opinions of Primerica.