When Michele Kisenwether, of Hazle Township, PA, first heard about the Primerica business opportunity, she had no idea she was about to embark on a journey with her family that would lead to a business venture together. “I became a client in 1997,” recalls Michele. “One of the things I did initially was to start an education fund for my daughter, Amanda, so that she could get her teaching degree without having to take out any loans. I was so impressed by what Primerica had enabled me to do for my daughter that when Amanda was 21 I joined the business. Less than a year later, I was absolutely thrilled to have her join me!” (more…)
Posts Tagged ‘family’
Primerica’s entrepreneurial business opportunity is an excellent way for leaders earn a great potential income, be their own boss and take control of their own futures. But those are only the surface benefits of being in business for yourself. As Tommy and Kimberly Lee, of Carlsbad, CA, say, one of the most valuable aspects of their business is the freedom being a Primerica entrepreneur has enabled them to enjoy.
“We were living in Wayne, NJ, when we joined the business in 1994,” recalls Tommy. “I worked as an electrician before Primerica and I was instantly motivated by the opportunity to potentially own my own business – and be my own boss. Now, 18 years later, Primerica has not only given us the ability to achieve our financial goals, but this business has also given us the freedom, flexibility and belief that we can accomplish anything we put our minds to.”
Following A Dream
One of those things this pair “put their minds to” was a change of scenery. And, because Primerica doesn’t limit how big you build your business or where you do so, the Lees had the freedom to pick up their business and move themselves and their daughter, Skylar, to beautiful San Diego, CA in 2009. “Kim and I fell in love with San Diego when we qualified for one of Primerica’s incentive trips a few years after we started,” says Tommy. “It’s been one of our dreams to live here ever since – a dream we also instilled in our daughter.”
He continues, “In fact, Skylar was instrumental in our move. We’ve instilled in her the same ‘never give up on your dreams’ attitude that we have about our business so when things weren’t going so well with the sale of our house in NJ and Kim and I started back tracking a bit on our plans, she wouldn’t let us! She was seven years old at the time and I remember her telling us ‘Don’t give up on our dream.’”
Passing On Great Habits
The Lees have built a successful Primerica business (twice!) which has given them the freedom to choose the kind of lifestyle they enjoy and, they say, the ability to show their daughter the value of hard work. “We credit Primerica with helping us to be outstanding parents to Skylar,” enthuses Tommy. “It’s the toughest job, I think, but just seeing her learn from us and watching her model the principles we’re living in front of her is unbelievable. She really is the best person we know. She’s so confident, focused and super positive – which are all things our Primerica business has taught us to be!”
Tommy says their Primerica income has opened doors for their family that they couldn’t have even conceived before they joined. “We’re able to give Skylar the things we want to,” says Tommy. “She’s on the gymnastics team, she does dance and acting, and her teacher tells us she’s the best student in her fourth grade class. These are all habits that Kim and I have cultivated in ourselves as we’ve built our business first in New Jersey and now here in San Diego and we love that we’re passing those on to our daughter!”
Twenty-four years ago, Tad & Terese Ripa, of Sterling, VA, set off on a life changing journey that started when Tad left his state trooper career to build a business, a lifestyle, and a level of success that they only dreamed about before. Best of all? They’ve shared their passion for helping people with their son, Ken, now a Primerica Regional Vice President (RVP) and a near term Power Builder Ring earner (which reps receive when they earn at least $100,000 in income and add a minimum of 100 people to their team within a single 12-month period)!
“Three years ago, Ken graduated from Virginia Tech and decided to get life licensed and work with us in our Primerica business full-time*,” smiles proud dad, Tad. “That special moment, combined with our new Ownership** gave me a renewed vision and focus to take our business to the next level and create a family legacy.”
As Ken began to grow his business, Tad and Terese redoubled their efforts to set the stage for where they wanted to go as a family. “We wanted to show our son big success so he’d understand how Primerica could change his life,” Tad explains. “So last summer, the same month Ken earned his Watch (which reps receive when they earn a minimum of $50,000 in income within a single 12-month time period), we earned our third diamond.*** Then, in December, we were proud to advance him to RVP, making him a second generation business leader!”
Next Generation: Stepping Up to the Plate
For Ken, joining Primerica was a simple decision. He says that after spending four years in college studying the ins and outs of being successful in the corporate world, he knew he wanted more than a desk job on someone else’s payroll. “”I watched my parents build a successful Primerica business for 20 years,” says Ken. “I knew Primerica is a system that works and saw by their example that running your own business truly is the only way to get ahead.”
He continues, “All during college, I took classes on business, but I never learned anything about real money management. I had a good education from my parents, but there are a lot of people out there who don’t have the benefit of a good financial foundation. I saw Primerica as a way to change lives and make a great income at the same time.”
Now that he’s an RVP, Ken is even more confident about his future – and he’s proud to be in business with his parents. “Everyone can do this business – that’s what’s so exciting about it,” he says. “Being successful here is not about what kind of degree you have, it’s about how much heart you have, and how hard you’re willing to work to change lives – including your own.”
Over the last few months, both Tad and Terese and Ken have made their mark on the leaders boards by breaking personal production records. And they’ve only just begun. “We are all very fired up about our future together,” enthuses Tad.
*In Canada, the part-time opportunity is not available in all jurisdictions and, where it is available, may be subject to certain restrictions.
**Ownership Program documents and policies as well as details of the program are still being developed. The program is subject to applicable regulatory requirements.
***The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12‑month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to the sales force at an average of $5,544 per licensed representative. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential. 12POL88
It took California-based Stacia Cox nearly four years to convince her sister, Lynne Cook of Warner Robins, GA to give Primerica a try. “I was so skeptical in the beginning,” Lynne recalls. “While Stacia was building her business I would say things to her like, ‘Money isn’t everything.’ I was horrible!”
But after the birth of her third child, Lynne wanted some part-time income. “I needed something flexible,” Lynne recalls. “I looked into real estate, I looked into Amway. Stacia kept saying to me, ‘You need to try Primerica!’ Danny and I had been Primerica clients for 10 years and put the principles in action — we had no debt except for our house. So I said, ‘I trust my sister, I’ll give it a try.’
“All I wanted was $1,500 a month and to be with my kids. One of my first clients was a woman who was in debt and crying and she said to me, ‘I’ve been praying and praying for God to send me an angel and he sent you.’ After that, I was hooked!”
For three years Lynne worked her Primerica business part-time*, with “no aspirations” of going full-time. Meanwhile, she watched Marc and Stacia’s California-based business go from earning $100,000 a year to $200,000. So, after discussing it with her family, Lynne decided to try her hand as a full-time Primerica representative. “I earned $63,000 the first year and $100,000 the second and have never looked back!”
Today Lynne earns $179,464** a year and enjoys reunions with Stacia and her family twice a year at Primerica incentive trips. “The cousins get to see each other and are super tight, even though they live so far apart,” Stacia says with a smile.
Both sisters describe Primerica as so much more than a job or even a business. “It has become a way of life for our families,” Stacia says. Lynne agrees. “It’s not just a job. You work your business as you go through normal, day-to-day life,” she explains. “As a parent, you’re often surrounded by other parents. Like at my son’s karate meet – I’m surrounded by other parents who are trying to figure out how to pay the bills. That’s how I’ve always worked my Primerica business.”
For these sisters, the Primerica way of life includes being there for each other when they are needed. Recently, the family received shocking news when Lynne’s husband, Danny, was diagnosed with a terminal illness. Because of the flexibility of her business, Lynne was able accompany Danny for treatment at special hospitals to help extend his life.
“Thankfully, my business kept going,” Lynne recalls. “Had I not made that decision 15 years ago to try this, we would probably be, number one, bankrupt, and there’s a good chance my husband wouldn’t still be with us.”
While Lynne’s two other sisters wanted to help her, their jobs didn’t offer the flexibility of taking a month off. But because of her Primerica business, “Stacia was with me the whole time,” Lynne says. “We joke that we’re going to fire our husbands and move to the beach!”
No matter what, this family chooses to focus on the positive. “I have a new son-in-law, Brandon, who is getting licensed,” Lynne says. “Our goal is to be one of the families onstage at the next convention!”
*In Canada, the part-time opportunity is not available in all jurisdictions and, where it is available, is subject to certain restrictions.
**Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of February 2012. The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12‑month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to the sales force at an average of $5,544 per licensed representative. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential. 12PFS199
After traveling throughout the US and Europe as a professional singer, Robin Roark and his new wife, Janice, settled in Williamsburg, VA, to raise a family. Robin began to look for something to support the household that would keep him closer to home. “I taught at different colleges and universities,” says Robin, “William and Mary being the most notable. But I really wanted something that I had more control over. The professional music business, whether you are performing, teaching or doing both, can be challenging to say the least.”
In 1986, Robin and Janice became Primerica clients. “Our Primerica rep did a great job with our investments and life insurance,” remembers Robin, “He showed us how to get a whole lot more life insurance for a whole lot less money. That enabled us to start saving more for the future.
“What really impressed me about Primerica is how their focus is Main Street families. Many financial services companies are mainly interested in helping people who are already wealthy. The way I see it, wealthy people don’t need investment help half as much as average people do.”
Office Opens and Family Building Begins
Soon, Robin and Janice started their own Primerica business. “I was so impressed with the Opportunity,” remembers Robin. “I could help people, feel pride in what I was doing and make a good living in the process. And Janice and I could do it together!” Only a year later, they opened their own office.
An early team member was the couple’s son, Sean, who was just heading off to college in Tennessee. “I did quite a bit of business while I was in college,” says Sean. “It was great because I got some real-world perspective that most of the kids with whom I was taking business classes weren’t exposed to. I think I got a lot more out of my college years because of Primerica.” After some years in the workaday world, Sean has recommitted to growing the Primerica business he is building with wife, Alicia.
More Family Joins the Team
Another member of the Roark family to join Primerica was their daughter, Colleen. She had been in the business for around 10 years when she met her soon-to-be husband, Bryan Hefner. Bryan worked in electronic circuit design by trade but Colleen wanted him to investigate Primerica as a part-time option* – a way for the couple to build for the future or even expand to full time if they ever wanted to.
“I wasn’t too enthused and I told her so,” laughs Bryan, “which wasn’t the best answer since we were still newlyweds.” Eventually Colleen prevailed and Bryan began attending business opportunity meetings with her. “By the third week,” says Bryan, “everything I had heard started to gel. I realized that, with Primerica, I could teach people important things that are just ignored in school. I could share the truth about how money works, show people how to best protect their families with the right insurance and how to save and invest. I saw that Primerica is an answer for average people who are usually either ignored or sold the wrong financial solutions. And, when my job in electronics ended, Primerica turned out to be the answer for us.”
“I feel really lucky to have a business that includes my family,” says Robin. “Janice is invaluable in keeping the office moving. Sean and Bryan are great with the technology that is allowing us to take care of clients and solve any challenges faster and more accurately than ever before – while Alicia and Colleen back each of them. Life is good!”
*In Canada, the part-time opportunity is not available in all jurisdictions and, where it is available, is subject to certain restrictions. 12PFS81