Here are some objections or questions I get from clients about term insurance.
1) What happens at the end of the term?
Your life insurance policy will renew itself. When it renews, your new rates will be based on your current age. The premiums will remain level at 5 year intervals until age 70. After that age, your premiums goes up every year until age 95. At age 95, you will no longer be covered.
At the end of the term, it is possible for you to exchange the current term policy to another term policy. You do not need to provide proof of insurability unless you are increasing the coverage.
2) At the end of the term, my premiums goes up.
True, but that won't happen for another 20, 30, or 35 years (whatever level term you have). By that time, you probably won't even need life insurance. Why? Take a look at your current situation. You may have a mortgage and some other debts to pay. You may kids dependent on your income. You probably don't have lots of money saved. But in 20-35 years, your kids becomes adults, your mortgage should be paid off, and hopefully you built enough savings to retire on. At Primerica, they teach clients to buy term and invest the difference. Why? So that you can rent wealth (which is term insurance) and accumulate wealth (the investing side) at the same time.
3) I heard that less than 2% of term policies rarely pays up.
While this may be true for other companies, Primerica pays an average death claim of $2 million/day. An average face amount of Primerica term policies is around $280,000.
Basically the phrase "less than 2% of term policies pays up" is a sales tactic used by agents trying to sell you a cash value life insurance policy. While everyone wants to live for a long time, stuff happens and you can't predict when you are going to die. In fact, there is no real evidence on either type of life insurance that says what percentage of life insurance policies gets paid out. If there is evidence, who done the study? Was the study done by a group back up by insurance companies or independent researchers not influenced by any companies?
4) My agent or advisor says that my life insurance builds savings and I can use it anytime.
If you take a look at your life policy, you would see how it is the worst way to build savings. If you wanted to withdraw money out of it while keeping the policy enforced, you would have to borrow it and pay loan interest on it. If you take a look at the total amount of premiums you paid and the amount of cash value accumulated over time, you would see that you are paying at a loss. The time you may break even on your investment is when you are around 100 years old. At that age, your policy may cancel and you will get all your cash value.
If you have a universal life insurance policy, you will see that your cash value starts to grow and then it starts going down. At the end, you see the word "lapse." Even though premiums are level, the cost of your insurance increases internally every year. If you continue the same premium payment plan, your policy will lapse. The only way to avoid the policy being lapse is to pay more premiums than what is required.
At Primerica, they teach clients to always keep life insurance and investments separate. By keeping them separate, there is no such thing as borrowing and paying loan interest. You can withdraw money out anytime and don't have to put it back. If you worry about taxes when you accumulated 6-7 figures on your investments, you are only worrying about it now because you don't have 6-7 figures saved and you always seem to owe taxes when you do your income tax every year. If you talk to any wealthy person out there, they are not even worried about their taxes because they have so much money. Plus the government always seem to keep lowering taxes or giving tax incentives for the wealthy class.
Saturday, September 15, 2007
Saturday, September 8, 2007
Hypocrites
Definition: (noun) a person who pretends to have virtues, moral or religious beliefs, principles, etc., that he or she does not actually possess, esp. a person whose actions belie stated beliefs.
I find that most life insurance agents and the so-called "financial advisors" are the biggest hypocrites in the financial industry. How can they recommend others buy some sort of life insurance that builds cash value such as whole life and they don't own it themselves? Most people who recommend cash value life insurance either own term insurance or no life insurance at all.
My company (Primerica) believes in term insurance and thats the only type of life insurance they sell. While some companies are selling term insurance, they are doing it wrong. Other companies sell very short term policies that either renews every year or convert into a cash value life policy. At Primerica, their term policies only converts into term insurance. Primerica offers level term policies for 10, 20, 25, 30, and 35 years.
If you are selling life insurance, you better own it yourself before telling others to buy it. That way you understand your product. If you are an agent that owns whole life or universal life, you should ask yourself why you bought it when you know that term insurance is better? I own a 30 year term insurance because its going to take me awhile to build enough savings in my retirement account where I can be financially independent.
As for those who thinks is a good idea to build savings in a life policy, you are a completely brainwash by what others say. If you kept your savings in a life policy, the only way you can access it is by taking a loan or surrender the policy and pay surrender charges. If you die someday, you may lose all your savings in the life policy (you want to check your life policy on what it says about your cash value when you die). There are so many better ways to put your savings. At Primerica, they teach clients to invest in mutual funds. Mutual funds has historically have an average rate of return of 12% in the past 25 years. You can withdraw money from mutual funds anytime and if you die someday, your beneficiary will either get your investments or take control of it. So, if you have investments, you want to make sure you name a beneficiary or beneficiaries on them (you don't want the government to take control of it and decide who should get the money).
Primerica agents teaches clients to invest on a monthly basis by using the systematic investment plan. Well, if you are a Primerica agent, you better be investing on a monthly basis yourself before telling others to invest monthly. I invest $333/month into my Roth IRA and my average rate of return on my investments in the past 2 years is around 14%. How will it do in the future? I don't know, but I'm betting the stock market will never hit zero.
So, it is safe to say I am not a hypocrite because I own term insurance and investments and thats what I tell my clients to do. It is the right thing to do. It is the logical thing to do. It is the smart way to protect our love ones while building wealth.
I find that most life insurance agents and the so-called "financial advisors" are the biggest hypocrites in the financial industry. How can they recommend others buy some sort of life insurance that builds cash value such as whole life and they don't own it themselves? Most people who recommend cash value life insurance either own term insurance or no life insurance at all.
My company (Primerica) believes in term insurance and thats the only type of life insurance they sell. While some companies are selling term insurance, they are doing it wrong. Other companies sell very short term policies that either renews every year or convert into a cash value life policy. At Primerica, their term policies only converts into term insurance. Primerica offers level term policies for 10, 20, 25, 30, and 35 years.
If you are selling life insurance, you better own it yourself before telling others to buy it. That way you understand your product. If you are an agent that owns whole life or universal life, you should ask yourself why you bought it when you know that term insurance is better? I own a 30 year term insurance because its going to take me awhile to build enough savings in my retirement account where I can be financially independent.
As for those who thinks is a good idea to build savings in a life policy, you are a completely brainwash by what others say. If you kept your savings in a life policy, the only way you can access it is by taking a loan or surrender the policy and pay surrender charges. If you die someday, you may lose all your savings in the life policy (you want to check your life policy on what it says about your cash value when you die). There are so many better ways to put your savings. At Primerica, they teach clients to invest in mutual funds. Mutual funds has historically have an average rate of return of 12% in the past 25 years. You can withdraw money from mutual funds anytime and if you die someday, your beneficiary will either get your investments or take control of it. So, if you have investments, you want to make sure you name a beneficiary or beneficiaries on them (you don't want the government to take control of it and decide who should get the money).
Primerica agents teaches clients to invest on a monthly basis by using the systematic investment plan. Well, if you are a Primerica agent, you better be investing on a monthly basis yourself before telling others to invest monthly. I invest $333/month into my Roth IRA and my average rate of return on my investments in the past 2 years is around 14%. How will it do in the future? I don't know, but I'm betting the stock market will never hit zero.
So, it is safe to say I am not a hypocrite because I own term insurance and investments and thats what I tell my clients to do. It is the right thing to do. It is the logical thing to do. It is the smart way to protect our love ones while building wealth.
Tuesday, August 14, 2007
Possible reasons why people didn't make money in Primerica
Here are two possible reasons why people didn't make money in Primerica:
1) They are lazy. No one can't help you if you are lazy. You need to find a reason why you want to do this business and find that spark.
OR
2) They don't know how to do it. If you don't know how to do it, all you go to do is ask for help. Your RVP wants to help you grow. The more money you make, the more money your RVP makes. The more money your downlines make, the more money you make.
1) They are lazy. No one can't help you if you are lazy. You need to find a reason why you want to do this business and find that spark.
OR
2) They don't know how to do it. If you don't know how to do it, all you go to do is ask for help. Your RVP wants to help you grow. The more money you make, the more money your RVP makes. The more money your downlines make, the more money you make.
Saturday, August 11, 2007
Primerica Convention 2007
This is the 2nd time I went to the convention and this time I was more focus by listening to what some of the successful people said and taking notes. At my first convention in 2005, I was goofing around and being amazed of all the people cheering and clapping. I had no clue what was going on or why people are so pumped up or excited. I wasn't paying much attention to the speakers and I didn't learn much from it.
At the 2007 convention, I was prepared. Though, I didn't get much information from the speakers that spoke in Georgia Dome, I jot down one message from Mike Sharpe, who is a $5 million earner. He said, "You don't build leaders. You find them." Reflecting on that message, I see so many people focusing on trying to build leadership on their team and trying to get their guys to do something. Most of the time, they listen, but they won't take action. So the only thing a person can do is continue to motivate them and repeat the same message again until they decide to take action. What else they should do is keep recruiting until they find someone who will take leadership and pursue their dreams and goals.
I didn't attend any workshop that was there such as Technology Workshop or Women in Primerica. But I did attend the "District Leader" workshop, which I think it was the best workshop than all the other level workshops such as "Division/Regional Leader" or "Associate" workshop. In 2005, I was in the "Associate" workshop and the main focus was to get to District Leader and utilize your uplines for help. In the District Leader workshop, they talk about building Districts, duplicating yourself, when you should go full time, mastering the presentation, and self improve yourself. District Leaders are the foundation of your business. If you get 6 District Leaders, you qualify for the Regional Vice President contract.
Anyway, here are some videos from YouTube of the Primerica Convention 30th Anniversary. None of these videos are mine and I don't know who posted videos. All I have to say to the people who videotaped the convention is "Thank you for sharing the videos."
OPENING CEREMONY
JOHN ADDISON, CEO of PRIMERICA FINANCIAL SERVICES
(have you seen any other company where bunch of people cheered on for their CEO??)
CHARLES PRINCE, CHAIRMAN and CEO of CITIGROUP
CLOSING CEREMONY
THE DAY AFTER CONVENTION (Sunday, August 5, 2007)
If I was an agent for another company, I would be thinking, "Damn. Primerica is going to dominate the financial industry! Why isn't my company building like that? Why can't I recruit and override people? Why doesn't my company give out such recognition or put together an event like this?"
At the 2007 convention, I was prepared. Though, I didn't get much information from the speakers that spoke in Georgia Dome, I jot down one message from Mike Sharpe, who is a $5 million earner. He said, "You don't build leaders. You find them." Reflecting on that message, I see so many people focusing on trying to build leadership on their team and trying to get their guys to do something. Most of the time, they listen, but they won't take action. So the only thing a person can do is continue to motivate them and repeat the same message again until they decide to take action. What else they should do is keep recruiting until they find someone who will take leadership and pursue their dreams and goals.
I didn't attend any workshop that was there such as Technology Workshop or Women in Primerica. But I did attend the "District Leader" workshop, which I think it was the best workshop than all the other level workshops such as "Division/Regional Leader" or "Associate" workshop. In 2005, I was in the "Associate" workshop and the main focus was to get to District Leader and utilize your uplines for help. In the District Leader workshop, they talk about building Districts, duplicating yourself, when you should go full time, mastering the presentation, and self improve yourself. District Leaders are the foundation of your business. If you get 6 District Leaders, you qualify for the Regional Vice President contract.
Anyway, here are some videos from YouTube of the Primerica Convention 30th Anniversary. None of these videos are mine and I don't know who posted videos. All I have to say to the people who videotaped the convention is "Thank you for sharing the videos."
OPENING CEREMONY
JOHN ADDISON, CEO of PRIMERICA FINANCIAL SERVICES
(have you seen any other company where bunch of people cheered on for their CEO??)
CHARLES PRINCE, CHAIRMAN and CEO of CITIGROUP
CLOSING CEREMONY
THE DAY AFTER CONVENTION (Sunday, August 5, 2007)
If I was an agent for another company, I would be thinking, "Damn. Primerica is going to dominate the financial industry! Why isn't my company building like that? Why can't I recruit and override people? Why doesn't my company give out such recognition or put together an event like this?"
Monday, August 6, 2007
Things that makes Primerica unique
This topic is for all the current representatives or people who want to know more about Primerica before pursuing this career. Keep in mind that this is a business opportunity, not a job opportunity. I truly believe that Primerica is the best business opportunity and there is none like it. In order for this business to work, you need to get off your butt, get out of your home, talk to people, schedule an appointment, do the appointment, do the Financial Needs Analysis, schedule for a 2nd appointment, present the FNA, get referrals, invite client to see the business opportunity, then finally close the sale.
Here are some of the things that makes Primerica unique:
1) Primerica's sales force continues to grow while other companies are growing stale and their sales force are getting old. There are over 100,000 representatives in this company. How many representatives in other companies have?
2) Primerica is the only company that sells term insurance 100% of the time.
3) Primerica has the lowest term insurance rates in the entire industry with the new Custom Advantage Term Insurance that came out in 2007, which also includes Preferred Plus rates. Before, Primerica rates were pretty competitive and some companies were able to beat Primerica rates. Now, Primerica rates are 20-40% cheaper than our top competitors.
4) Primerica is the first company to use TurboApps. Agents can fill out life insurance, loans, and IBAs on a hand held palm pilot. This avoids all paper work and clutter. To read full story, click here.
5) The corporate Primerica and the sales force has a unique positive relationship. Sales force brings business in and the corporation is there to support the sales force.
6) Primerica is backed by a trillion dollar company called Citigroup.
7) Primerica has a communication service called GoSolo where the sales force can listen to messages sent out by the company and representatives can reply back to the message.
8) Primerica has sold more variable annuities than Metlife's sales force. All variable annuities are underwritten by Metlife and Primerica has a marketing agreement to sell those variable annuities.
9) Primerica has the largest securities sales force in North America with about 28,000 registered representatives. They sell more mutual funds than any other financial company.
10) Primerica is one of few companies that does kitchen table presentations, meaning the agent sits in the client's home.
11) Primerica does not advertise on newspapers, TV, radio, internet, or any other types of media. This keep costs low to the consumer and pays more commissions to the sales force.
12) CEO of Primerica talks to the sales force on a weekly or monthly basis using EPN-TV and GoSolo. CEO's from other companies rarely speak to the sales force.
13) Primerica rewards its sales force by holding company trips two times a year. About 2000 people can go and each person can bring one extra person for free. The trips are all inclusive. Transportation, food, hotel, and entertainment are all paid by the company. To win the trips, the sales force has to compete with one another. There are numerous categories which a representative can win.
14) Primerica has its own corporate television called EPN-TV that airs every Monday and Wednesday afternoon. Live and previous shows can also be watched on PrimericaOnline.com to subscribed users.
15) Regional Vice Presidents has access to Virtual Baseshop. Virtual baseshop allows RVPs and Representatives in that baseshop to effectively communicate with one another online and view productivity reports.
16) The only financial company that offers a business opportunity for just $99 (before it was $199). $40 of it will be go to the FBI to do a criminal background check, the rest will go to the state to start the licensing process.
17) Registered representatives can access Morningstar Hypothetical Portfolio Builder for free! People who use this program at other companies have to pay $2000-$5000/year. At Primerica, registered representatives can use it for free. Read the news.
18) Representatives can learn the products online by accessing PrimericaOnline.com under the "Field Instruction" tab and clicking on the sub-heading "Mastering the Product".
19) Representatives can bring a partner into the business, whether its a spouse, a brother, a sister, a child of legal age of 18 or older, a girlfriend/boyfriend, and so on.
20) Entire family can participate in the business. Imagine your family working together as a whole toward one goal, which is being financially independent. What would you and your family life be?
Here are some of the things that makes Primerica unique:
1) Primerica's sales force continues to grow while other companies are growing stale and their sales force are getting old. There are over 100,000 representatives in this company. How many representatives in other companies have?
2) Primerica is the only company that sells term insurance 100% of the time.
3) Primerica has the lowest term insurance rates in the entire industry with the new Custom Advantage Term Insurance that came out in 2007, which also includes Preferred Plus rates. Before, Primerica rates were pretty competitive and some companies were able to beat Primerica rates. Now, Primerica rates are 20-40% cheaper than our top competitors.
4) Primerica is the first company to use TurboApps. Agents can fill out life insurance, loans, and IBAs on a hand held palm pilot. This avoids all paper work and clutter. To read full story, click here.
5) The corporate Primerica and the sales force has a unique positive relationship. Sales force brings business in and the corporation is there to support the sales force.
6) Primerica is backed by a trillion dollar company called Citigroup.
7) Primerica has a communication service called GoSolo where the sales force can listen to messages sent out by the company and representatives can reply back to the message.
8) Primerica has sold more variable annuities than Metlife's sales force. All variable annuities are underwritten by Metlife and Primerica has a marketing agreement to sell those variable annuities.
9) Primerica has the largest securities sales force in North America with about 28,000 registered representatives. They sell more mutual funds than any other financial company.
10) Primerica is one of few companies that does kitchen table presentations, meaning the agent sits in the client's home.
11) Primerica does not advertise on newspapers, TV, radio, internet, or any other types of media. This keep costs low to the consumer and pays more commissions to the sales force.
12) CEO of Primerica talks to the sales force on a weekly or monthly basis using EPN-TV and GoSolo. CEO's from other companies rarely speak to the sales force.
13) Primerica rewards its sales force by holding company trips two times a year. About 2000 people can go and each person can bring one extra person for free. The trips are all inclusive. Transportation, food, hotel, and entertainment are all paid by the company. To win the trips, the sales force has to compete with one another. There are numerous categories which a representative can win.
14) Primerica has its own corporate television called EPN-TV that airs every Monday and Wednesday afternoon. Live and previous shows can also be watched on PrimericaOnline.com to subscribed users.
15) Regional Vice Presidents has access to Virtual Baseshop. Virtual baseshop allows RVPs and Representatives in that baseshop to effectively communicate with one another online and view productivity reports.
16) The only financial company that offers a business opportunity for just $99 (before it was $199). $40 of it will be go to the FBI to do a criminal background check, the rest will go to the state to start the licensing process.
17) Registered representatives can access Morningstar Hypothetical Portfolio Builder for free! People who use this program at other companies have to pay $2000-$5000/year. At Primerica, registered representatives can use it for free. Read the news.
18) Representatives can learn the products online by accessing PrimericaOnline.com under the "Field Instruction" tab and clicking on the sub-heading "Mastering the Product".
19) Representatives can bring a partner into the business, whether its a spouse, a brother, a sister, a child of legal age of 18 or older, a girlfriend/boyfriend, and so on.
20) Entire family can participate in the business. Imagine your family working together as a whole toward one goal, which is being financially independent. What would you and your family life be?
Wednesday, July 25, 2007
15 Characteristics of an Ideal Business
This excerpt is taking from the book "ABC's of Making Money" by Dr. Denis Cauvier and Alan Lysaght. The authors said that there's only one company that has all 15 characteristics and that is Primerica Financial Services.
1. Sell to masses.
At Primerica, our market is infinite.
2. Fulfill a fundamental need for many people.
Primerica provides financial services. Everybody has a need for what they do. Kids need college funds, families need to get out of debt and save money, old adults need a way to preserve their savings as long as possible.
3. Be low risk.
Primerica agents don't have any risk. There is no quota and there is no time table. If agents want to take off from work, they can and nothing will happen to their business. Only thing they have to worry about is keeping their license active, which isn't a problem at all since agents know what to do to renew their licenses.
4. Provide the opportunity for ongoing passive income.
At Primerica, agents can make passive income 2 ways. First way is by recruiting and making overrides. Second way is getting a securities license and get paid on securities business forever.
5. Require a low staff component.
At Primerica, you don't need to hire any employees. You can run the entire business by yourself because there is already 2000+ employees at the home office to help you process your paperwork.
6. Have a stable, growing, long term demand.
Financial services is going to be in high demand for a very long time because many people are in a financial mess.
7. Have a low overhead cost.
At Primerica, there is no overhead cost since you don't need to buy any equipment. The only incurring cost you may have is traveling and communication service such as GoSolo.
8. Have a low startup cost.
At Primerica, it only cost $199 to startup.
9. Have a unique quality, making it difficult for competitors to copy.
While there is many other financial companies out there, they only do parts of what Primerica can do. Primerica does it all! They do financial planning, life insurance, mortgages, debt elimination, investments, retirement plans, college plans, prepaid legal, long term care, and auto and homeowner's insurance.
10. Have a positive cash flow and low inventory cost.
Even though it cost $199 to startup at Primerica, you can make all that money back by doing business with one client. As for inventory, your only inventory is purchasing brochures, which is optional and they cost as little as 5 cents each.
11. Have a high profit margin and rate of return.
You can make profits if you get to work. There over 50 people who makes 7 figures in a matter of 10-25+ years. There are over 1000 people making 6 figures as well.
12. Have minimal government regulation.
Primerica is a very regulated industry, but they have very little or any government agents interfering with daily business activities. Why? Its because Primerica agents follow the rules and laws.
13. Be portable.
At Primerica, you can move or open your business anywhere in your country.
14. Be fun, challenging, and satisfying for the business owner.
At Primerica, it is fun because you are hanging out with people who wants to be financially independent. It is challenging because you face skepticism and objections. It is satisfying when you realize that what you do helps people.
15. Provide an opportunity to uncover other money making multiple sources of income.
At Primerica, you can use your money to do other things. There are several people who use the money they make at Primerica to purchase real estate. One person bought a shopping mall, some condos, and other properties and make money from that.
1. Sell to masses.
At Primerica, our market is infinite.
2. Fulfill a fundamental need for many people.
Primerica provides financial services. Everybody has a need for what they do. Kids need college funds, families need to get out of debt and save money, old adults need a way to preserve their savings as long as possible.
3. Be low risk.
Primerica agents don't have any risk. There is no quota and there is no time table. If agents want to take off from work, they can and nothing will happen to their business. Only thing they have to worry about is keeping their license active, which isn't a problem at all since agents know what to do to renew their licenses.
4. Provide the opportunity for ongoing passive income.
At Primerica, agents can make passive income 2 ways. First way is by recruiting and making overrides. Second way is getting a securities license and get paid on securities business forever.
5. Require a low staff component.
At Primerica, you don't need to hire any employees. You can run the entire business by yourself because there is already 2000+ employees at the home office to help you process your paperwork.
6. Have a stable, growing, long term demand.
Financial services is going to be in high demand for a very long time because many people are in a financial mess.
7. Have a low overhead cost.
At Primerica, there is no overhead cost since you don't need to buy any equipment. The only incurring cost you may have is traveling and communication service such as GoSolo.
8. Have a low startup cost.
At Primerica, it only cost $199 to startup.
9. Have a unique quality, making it difficult for competitors to copy.
While there is many other financial companies out there, they only do parts of what Primerica can do. Primerica does it all! They do financial planning, life insurance, mortgages, debt elimination, investments, retirement plans, college plans, prepaid legal, long term care, and auto and homeowner's insurance.
10. Have a positive cash flow and low inventory cost.
Even though it cost $199 to startup at Primerica, you can make all that money back by doing business with one client. As for inventory, your only inventory is purchasing brochures, which is optional and they cost as little as 5 cents each.
11. Have a high profit margin and rate of return.
You can make profits if you get to work. There over 50 people who makes 7 figures in a matter of 10-25+ years. There are over 1000 people making 6 figures as well.
12. Have minimal government regulation.
Primerica is a very regulated industry, but they have very little or any government agents interfering with daily business activities. Why? Its because Primerica agents follow the rules and laws.
13. Be portable.
At Primerica, you can move or open your business anywhere in your country.
14. Be fun, challenging, and satisfying for the business owner.
At Primerica, it is fun because you are hanging out with people who wants to be financially independent. It is challenging because you face skepticism and objections. It is satisfying when you realize that what you do helps people.
15. Provide an opportunity to uncover other money making multiple sources of income.
At Primerica, you can use your money to do other things. There are several people who use the money they make at Primerica to purchase real estate. One person bought a shopping mall, some condos, and other properties and make money from that.
Friday, July 13, 2007
Why Primerica is the best business opportunity
1) Low overhead cost. Only $99 needed to start this business.
2) No rent.
3) No equipment to buy other than a pen and a notepad.
4) No salary or wages to deal with. All paychecks are handled by the company.
5) No status quotas to meet.
6) Great way to earn some extra income.
7) No need to quit your full time job.
8) You create your own schedule.
9) No boss. Only coaches and mentors to help you build.
10) You are allowed to recruit people.
11) You can earn passive and residual income.
12) You can make overrides.
13) We have a huge market. No one is helping middle income families, which represents 95% of the American population.
14) Financial education.
15) Unlimited income potential
16) Tax benefits
17) Company trips
18) Equal opportunity.
19) Company support system.
20) You have ownership.
2) No rent.
3) No equipment to buy other than a pen and a notepad.
4) No salary or wages to deal with. All paychecks are handled by the company.
5) No status quotas to meet.
6) Great way to earn some extra income.
7) No need to quit your full time job.
8) You create your own schedule.
9) No boss. Only coaches and mentors to help you build.
10) You are allowed to recruit people.
11) You can earn passive and residual income.
12) You can make overrides.
13) We have a huge market. No one is helping middle income families, which represents 95% of the American population.
14) Financial education.
15) Unlimited income potential
16) Tax benefits
17) Company trips
18) Equal opportunity.
19) Company support system.
20) You have ownership.
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