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.

Jude & Niki Pierre Tranquille
Orlando, FL
Former Occupation: Computer Science

For Jude & Niki Pierre Tranquille, of Orlando, FL, their Primerica journey has been one of growth, resilience, and purpose. Their story as a couple and as Primerica entrepreneurs began unexpectedly at one of Primerica’s African American Leadership Council (AALC) events, where their paths crossed. Jude, new to the country just a year earlier, was introduced to Niki through her parents.¹

Neither had a background in financial services, but Jude recalls how quickly they realized the potential with Primerica. “We didn’t know anything about finance, but we saw the opportunity to learn and grow,” says Jude. “It changed our perspective and gave us the tools to improve our own finances and help those around us do the same.”^{2, 3}

THE POWER OF COMMUNITY
Jude highlights how crucial community has been on their journey. His first experience attending an AALC event made everything click. “Seeing people who looked like me, talked like me, and shared the same goals made a huge difference,” he says. “It showed me that success is possible when you’re surrounded by the right people who are willing to share their knowledge and experience. If you want to go far, you better have a community to show you the way.”

Today, Jude and Niki are living proof that with the right mindset, work ethic, and persistence, financial independence is within reach. Jude shares, “Our journey isn’t just about us; it’s about creating a ripple effect — empowering others to take control of their futures and live life on their terms.”

WHAT FREEDOM MEANS
For Jude, freedom is all about having the time and money to do what he wants, when he wants, and where he wants — without asking for permission. “Freedom is being able to travel, not worry about bills or money coming in, and spending time with the people I love,” Jude explains. “It’s about having the options to give our family the life we want them to have without being limited.” Niki echoes this sentiment, emphasizing that true freedom allows them to live life on their own terms, while helping the people they love.

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.

Teshler & Gierda Senat
Orlando, FL
Former Occupation: Security/Clerk of Court

A FAMILY TRADITION
Immigrating to a new country can symbolize new possibilities for career, success, love and happiness. For Teshler & Gierda Senat, of Orlando, Fl, they found all of those things and more in one place —— Primerica.^{1, 2, 3} “I immigrated to the United States in 2007, and Gierda and I met in the business a year later in Miami,” shares Teshler. “We’re extremely honored to be part of a company that leads with heart, puts families first and gives everyday people the chance to build something extraordinary.”

The path to that extraordinary life got off to a humble start for Teshler. Although financial services wasn’t his initial pursuit, he’s grateful fate had different plans in mind. “I actually went to law school in Haiti and then worked at the U.S. Embassy for four years,” he explains. “I’m the first generation in my family for everything, so I’ve always been driven to succeed.”

A NEW BEGINNING
Teshler’s determination to succeed was put to the test during his first year in the States. He recalls, “Before Primerica, I was working three jobs just to survive — security guard, bouncer, and valet parking attendant — but I only earned about $25,000 from all of them. I barely had time for anything else!” His search for a meaningful career soon led to a meeting with Charlemont Genestin, a fellow Primerican. “Once I saw how successful he was and he offered to show me the ropes, I knew I was in the right place.”

The next five years marked pivotal transitions for the Senats. They got married in 2009, and as Teshler pursued Primerica full-time, Gierda pulled double duty working a job in the county court system and attending appointments with him. Everything changed, though, when her mother got sick in 2013. “Losing her was very painful, but thank goodness we had Primerica,” she says. “I was able to quit my job to spend more time with her, which wouldn’t have been possible elsewhere. That’s when I truly saw the value of working full-time to build our business together.”

ON A MISSION
The Senats’ accomplishments are a testament to their stellar work ethic and love of people. “We’re fully committed to helping families take control of their finances,” they say. “The complimentary Financial Needs Analysis and the How Money Works^TM financial education guide are excellent resources to show clients where they stand financially and what steps to take to reach their goals.”⁴

“But it doesn’t stop there,” they continue. “We’re intentional about building genuine relationships and we touch base with clients regularly to see if they need to adjust their plans as life happens. We’re in it for the long run to guide, encourage, and celebrate their progress every step of the way.”

Helping people is profoundly meaningful for Teshler and Gierda. Their success in Primerica enabled them to create their nonprofit, “Youth Impact Outreach,” in 2016 to empower kids in Haiti. “We built a school in my hometown, which serves more than 300 children now,” Teshler proudly shares. “In addition to the traditional curriculum, we teach practical skills like computer literacy, English, plumbing, and more to equip them with self-sufficiency tools. I know what it’s like to struggle, and now I get to help others, not just here, but back home as well. Every life we touch is a reminder of why we do what we do.”

LIMITLESS OPPORTUNITY
Nearly 20 years later, the couple maintains the same fervency for the business as they had on day one. “The culture of empowerment and integrity here is unmatched,” they say. “This business isn’t just about the solutions we offer; it’s a mission to educate, uplift, and create lasting change. Primerica consistently delivers a proven system, a leadership team who truly cares, and an ever-expanding vision.”

Teshler emphasizes, “Everything I’ve been able to achieve, for my family and the families we serve, goes back to one thing — opportunity. This Company gave me a chance not just to change my circumstances, but to create real impact. Regardless of your background or connections, your hard work will be rewarded here. What’s even more powerful is the ability to bring others along with you. I hope our story inspires others to believe they, too, can rise, lead and give back. Because when we lift up others, we all rise together.”

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. 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.

Robert & Candace Kool
Lantzville, BC
Former Occupation: Restaurant Manager / Certified Dental Assistant

Robert & Candace Kool, of Lantzville, BC, have never been afraid of hard work. The couple have always been focused on establishing financial security and independence for their family. With Primerica, they found what they’d been looking for.

Before learning about the Primerica Opportunity, Candace was a certified dental assistant who had tried different businesses. “She was driven to achieve financial success and enjoy the corresponding independence that came with it,” Robert shares. “She often had two or even three jobs. Candace has always worked very hard and has a heart for helping people.”

At the time, Robert was a year out of high school. “I taught hockey in New York during the summers and worked in restaurants in Vancouver the rest of the year,” he recalls. “I joined Primerica because the financial industry interested me as a career, and I liked the idea of helping people while being part of a competitive, yet friendly environment.”

The Kools are firm believers in entrepreneurship.

“Most people in society who are wealthy got that way through business ownership, or they inherited from someone who did,” Robert says. “We get to introduce the Opportunity and Primerica’s mission to help families have access to financial education and the right financial solutions. This really resonates with us.”

A MEANINGFUL LIFE AND LEGACY

Thanks to their incredible work ethic and Primerica’s proven success system, the Kools live the kind of life they always wanted. Robert says, “Primerica has allowed us to achieve financial independence and travel as much as we want. It has allowed us to really invest in our kids’ lives. We have the means to support things that are meaningful to us.”

Candace adds, “All five of our kids are now through university, following their career paths and doing well. Our youngest daughter and her husband, Sydney and Jonathan Wigmore, have come to work with us full-time in the business, which is really fun and rewarding.”

WORKING TOGETHER

The Kools had their eyes set on a better future from the very beginning. “We had a note stuck to the wall near our desk where we would make calls,” Robert recalls. “It read: ‘We take the ‘No’ now, so our kids don’t have to later.’ We’ve always worked as a dually-licensed Partnership. We very much enjoy working together and playing together!

“We’re very thankful for all that this opportunity has allowed us to do in our lives and in the lives of our kids. Freedom is such a huge byproduct of success here. Having the ability to do what we want, when we want, and with whom we want, is something we can’t put a price on. We’re grateful every day for the success we have achieved here and for the way it has changed the lives of our family members.”

1. The opinions expressed, including any specific religious viewpoints, are not necessarily the opinions of Primerica.
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.
3. Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale.
4. 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.
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.

Eileen Pomales Ortiz
San Juan, PR
Former Occupation: Accountant

FORMATIVE EARLY YEARS
For Eileen Pomales Ortiz of San Juan, PR, there is a common thread that’s been woven throughout her life: faith.¹ It started as a young child where Eileen grew up in a large, loving family. Her father was a pastor. When she lost her mother, at age 11, it was faith in God — specifically in heaven — that sustained her family through those dark days.

BUILDING A CAREER
As an adult, Eileen held traditional homemaking roles, but it wasn’t until 2022 that she felt God nudging her to build her own Primerica business.^{2, 3} She had experience in accounting so Primerica’s financial concepts, products, and solutions allowed her to leverage her math skills and money know-how to create a career in which she could set her own goals and be her own boss. “I was familiar with the Company and even became a licensed Representative years ago, but it wasn’t until 2022 that I knew it was my time to shine,” she explains.⁴

“Primerica has been like an incubator for me; it has given me the opportunity to grow professionally, personally, and financially. I am the woman, the entrepreneur, and the professional that I am today thanks to Primerica. Even though I had no sales experience of any kind, I’ve learned and grown so much.”

DIVINE INSPIRATION
Eileen’s faith continues to inspire her today, one family or team member at a time. “My greatest influence is my Creator,” she says. “I communicate with God constantly throughout the day as I work. I want to be obedient, firm, and clear about who I am, and the woman God wants me to be. That is my greatest motivation. It helps me to serve my team and clients with purpose and passion.”

One of Eileen’s favorite hallmarks of Primerica is the Company’s culture of positive energy and frequent recognition. “My family celebrates every achievement with me,” she says. “And my team is also like family to me! What I’ve achieved in such a short time, without neglecting my family and enjoying myself, is a tribute to my team, family and everyone working together to get ahead.”

LOOKING AHEAD
With her career success firmly established, Eileen says she now has peace of mind and a sense of satisfaction. “When I go to my heavenly home, what I’ve built with my own hands, will continue and impact countless lives — those of my family, my team and clients,” she says. “With God’s blessing, we see many fruits.”

1. The opinions expressed, including any specific religious viewpoints, are not necessarily the opinions of Primerica.
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.
3. Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale.
4. 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.

Trevor & Laura Busch
San Antonio, TX
Former Occupation: Student

A FAMILY TRADITION
Trevor Busch knew he was going to be a part of his family’s Primerica business since childhood. “Dad started with Primerica when I was five years old,” remembers Trevor.^{1, 2} “I was raised surrounded by Primerica. Back in the 1980s, dad would take me to the office, and I would help him get ready for his meetings — in the way a kid would. I helped clean the place and put out the marketing materials. It was great fun for me. In fact, we are in the same office to this day. I never remember a time when Primerica wasn’t a big part of my life.”

EMBRACING THE OPPORTUNITY
It didn’t surprise anyone, certainly when after a brief stint at college and two years as a missionary in Nicaragua, Trevor returned home and joined his dad’s Primerica team. “I had done a couple of hourly jobs as a teenager, but I’d never had a full-time job. After my upbringing, I knew I could never work for someone else. I never even considered a job in the corporate world or anywhere else for that matter.”

LIVING WITHOUT FREEDOM WASN’T AN OPTION
“I had grown up watching my dad have total control over his schedule,” Trevor says. “In fact, one of the things I had observed as a kid was that Dad and I would go during the day to watch my sister play basketball and he’d say ‘Hey, Trevor, look around here and how many fathers do you see?’ And I would say, ‘You’re the only one.’ He would reply, ‘Exactly, and that’s because all the other dads work for someone else.’

“My father was a big part of all of his five children’s lives — and every one of us played sports and participated in musical activities. He was able to do that precisely because he had the freedom of time that Primerica offers. He worked hard for the clients he served, but he did so on his own terms. Laura and I have been able to do the same with our children. We have been able to be present in their lives while also growing a successful Primerica business.”build it together. “It’s a family business,” smiles Trevor. “I don’t disappear into a skyscraper for hours a day or go away on the road. Primerica is a people business. It’s about building relationships whether you are serving clients or training and empowering teammates. Laura is integral to that. I started in Primerica in 1997, and Laura and I married in 2001, so we’ve been together and growing in this business for nearly two and a half decades. She’s been there for it all. “The early days of getting established weren’t easy but we were doing something that we loved — something that was ours, that continued a family legacy. Now, a lot of long-time clients are planning their retirements, and they are doing so with the savings and investment plans that we helped them establish all those years ago.³ They don’t hesitate to send their friends and families to us because they know us and know we’re going to always do what’s right.”

THE TRADITION CONTINUES
The Busch family business has now extended into its third generation. “We are joined by our sons, Jaxson and Carter,” Trevor says proudly. “You can do so many things in life that are good, that are needed and that will provide you the income to live, but Primerica is unique because the core of our mission is to serve middle-income families. What we do is of great value because we help people gain control of their financial lives. That helps build stable families and stable communities. The Busch family will be in this business forever!”

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.

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.

Leo & Jenn Sierra
Tucson, AZ
Former Occupation: Tech Assistant

A NEW PLAYBOOK

When Leo Sierra, of Tucson, AZ, graduated from college and ended his collegiate baseball career, he was unsure of where he would end up. The thought of plugging away at a 9-5 corporate job sounded grueling, but he didn’t know where to turn to start a career. It wasn’t until a Primerica Representative tapped him on the shoulder at a job fair that Leo realized Primerica may be the game-winning hit for his career.

“It ended up being one of the best decisions of my life,” Leo explains. “Just two years later, I grew my business exponentially. Now 10 years later, it has changed my life forever. Before this, I was fresh out of college, coming off years of competitive baseball, used to being rewarded based on effort. In the traditional workforce, no matter how hard you work, someone else controls your value. Primerica gave me a different path.”^{1, 2}

EMBRACING THE OPPORTUNITY

Leo joined Primerica and jumped in right away. He was excited, inspired and dedicated to coaching his team, helping clients and growing his business. Leo says he wasn’t motivated by the income potential, but rather, by helping his team achieve their goals and getting clients the help they needed. “Primerica is different because we don’t just offer financial products,” Leo reflects. “We offer people the opportunity to change their lives. Many companies focus primarily on sales. We focus on people first — helping families get the real financial solutions they need and leading our teammates as they build their businesses. We teach financial education, not just sales. We don’t care about where someone starts. We care about where they’re going. It’s a mix of purpose, mentorship, and opportunity that sets us apart.”

GIVING A POSITIVE PRESENCE

Today, Leo and his wife, Jennifer enjoy giving clients the financial tools to assist them in gaining financial independence.³ Personally, they strive to be a positive force in their community.

“Our team is passionate about serving the local community through financial education,” they say. “One-on-one consultations help families understand concepts like budgeting, paying down debt, and healthy money management. It’s not just about providing financial solutions; it’s about making sure people are equipped to make better financial decisions for their future. We also believe in giving back beyond the business. Whether it’s supporting local events, or volunteering our time, we aim to be a positive presence in the community. At the end of the day, we’re here to help people grow!”

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.

Fernando & Yolanda Balbuena
Etobicoke, ON
Former Occupation: Business Administration

The Right Option

It’s hard enough leaving your family, your friends, and everything you know to immigrate to a new country, but Fernando & Yolanda Balbuena, of Etobicoke, ON, didn’t expect their career opportunities to virtually disappear when they decided to make Canada their new home.

“Aside from living in an environment that was completely different from my native Peru and Yolanda’s native Venezuela, the accreditations and degrees we had weren’t accepted in Canada,” Fernando explains. “Suddenly, we only had two options: Go back to school, which takes time and money, or start working whatever job we could get — usually for low pay and with limited growth potential.”

Fortunately, there was a third option. “I have a degree in business administration and Yolanda is an electrical engineer,” Fernando explains. “Yet I was working in a wine store, and Yolanda was working in a bakery. We were renting a basement apartment and were barely able to make ends meet. As our personal savings began to deplete, we were considering leaving Canada and moving back home. Then, we met Primerica Representatives Franco and Linda Greco, who introduced us to Primerica’s entrepreneurial business opportunity.”^{1, 2}

All In

At the time, Representatives were required to be full-time in Canada — a stipulation that didn’t bother Fernando at all.³ “My biggest motivation wasn’t the money, it was to be somebody again,” he reflects. “My career was going down instead of up. I kept thinking, if I need to suffer at a low-paying job just to pay bills, I’d rather do that in my home country rather than a place where it’s cold and more expensive.

“We had both worked so hard for our first two years in Canada and we still had no future. What Primerica offered us as entrepreneurs made a lot of sense. And what we liked even more than the potential financial benefits was getting to help families learn how to become financially independent.”

Common-Sense Education

The Balbuenas like to use a thought experiment to get clients thinking about the power of the financial education they provide at the kitchen table.⁴ “If you ask people if they’d rather have $100,000 or go back 10 years with the knowledge they have now, most will say they want to go back in time,” Fernando explains. “The reality is, you can’t go back, and that’s why the financial education we provide is priceless. Education is the key because it’s how you learn to make good decisions for your future.

“If you make good decisions, you can be successful. If you make bad decisions, that’s where you can get into financial trouble. One of the biggest stresses couples have is money. When you don’t have the resources, small problems can become big problems. At Primerica, we teach common-sense financial principles that worked before, that work today, and that will work in the future.”

Doing Good

Once clients are empowered with the knowledge found in Primerica’s How Money Works financial education guide, Fernando and Yolanda love helping them get the right solutions for their needs and goals — solutions that the couple say they’ve seen have a far-reaching impact.⁴

“We have so many examples of families whose lives we’ve helped to change,” Fernando states. “Just recently, a client called me to ask about accessing the Terminal Illness rider in her policy, as she had just been diagnosed with terminal breast cancer. After she passed away, her husband told me that the money made it possible for her to be at peace during her final months because she didn’t have to worry about the family’s finances. He was able stop working to be her caregiver, pay off all of their debts, and buy any medications she needed that weren’t covered by the health system in Canada.

“If we don’t do this for the families we serve, no one will. There is no other company like Primerica. We do so much good for people that it has an effect on us, personally. This business makes you become a better person. Our focus isn’t on the sale — it’s on the education!”

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. 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.
3. In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation.
4. 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.

Mark Blass
Ashburn, VA
Former Occupation: Engineer

Disillusioned with his chosen profession and trying to reset during the height of a recession, Mark Blass, of Ashburn, VA, went on a search for a more promising career opportunity. That’s when he found Primerica.^{1, 2}

SHATTERED, BUT DETERMINED

Mark had already spent seven years out of school designing and drawing housing development plans with an architectural firm in the Washington metropolitan area when the housing market suddenly crashed and went into recession. “I was always money motivated, and I would work hard to get raises, but I just couldn’t move up anymore,” recalls Mark. “I had always dreamt of having my own firm one day so I could determine my own worth and not have a boss’s thumb on me. But suddenly, there was no more work. Everyone was getting laid off and I knew that it was just a matter time for me too. I thought, even if I ride this out, every 6-10 years it’s likely to happen again and again. What if next time it was my own business and not just my job on the line? It really soured me on the idea of being in that field long term.”

While Mark confesses that, “I loved engineering and it was really all that I knew,” he reasoned that he needed to find a business opportunity where he could control his own future through uncertain market conditions.

A RIGOROUS SEARCH LEADS TO PRIMERICA

With an open mind, Mark sought out a different kind of career path. “I was open to just about anything, so long as it was entrepreneurial and made sense long term. After months of looking, someone finally told me about Primerica.”

From his first meeting with a Primerica Representative, Mark realized the enormous potential.

Mark quickly applied the same passion and work ethic he had for engineering toward becoming an entrepreneur. “I fell in love with the business pretty quickly,” Mark recalls. “It was just a matter of gaining knowledge and duplicating the actions of my leadership. Even back then, Primerica’s systems for success and product offerings were incredibly strong.³ And as the years have passed, Primerica just keeps getting better and better.”

A GO-TO PERSON

Today, Mark loves being a go-to person for the people he cares about the most. “I love helping my teammates become their best, build their own businesses and chase their own dreams. It’s been so rewarding to participate in their success and also that of clients. Helping people get on the right track to accumulate wealth and protect what’s dearest to them,” says Mark, “it truly is one of the most exciting things that we do. It’s really humbling to have people that you care about and even look up to, come to you for guidance with their financial goals.”⁴

Mark is proud that his Primerica business has afforded him the opportunity to change so many lives — including those of his own family. “Primerica is such a solid business and has empowered me in so many ways,” says Mark. “It’s withstood everything I’ve seen for 34 years. It’s so resilient and I’m so grateful to be a part of it.”

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. Recruits and/or representatives are not required to purchase any Primerica products or services.