Have you ever felt overwhelmed by the financial misconceptions out there? You’re not alone. Many people are stuck in outdated insurance policies and investment strategies that don’t serve their best interests. But what if you could be part of a movement that changes that? What if you could help others break free from these financial traps and guide them toward a more secure future? That’s exactly what Maria Merino dives into in her powerful session, “The Primerica Crusade: Challenging Financial Misconceptions and Status Quo.” She shares her journey from a shy newcomer to a successful vice president, all while fighting against the giants of the insurance industry. This isn’t just about selling policies; it’s about becoming a crusader for financial justice. If you’re ready to make a real impact and help others do the same, you need to watch this video. It’s packed with insights and inspiration that could be the breakthrough you’ve been waiting for. Don’t miss out on this chance to join the crusade and make a difference. Watch it now and see how you can be part of the change.
Video Transcription:
Thank you so much.
I was about to start dancing some merengue here.
Okay first of all I want to thank God for allowing us to wake up this morning and be here.
Second, I want to thank Joan Denise Cardino for putting this together.
It takes a lot.
They don’t have to do it but they do it.
Thank you.
And third I want to thank my teammates.
I love this business because you get to recruit and work with great people and you get to help them and you get to see them develop coming from China’s like me and then develop into great people, great leaders.
So I love this business.
My talk for today is called the Crusade is still alive.
And the subtitle is America needs Primerica.
See I want to tell you a story.
Back in the days in the insurance industry promoted they were selling whole life insurance which is very expensive insurance that benefit most the company than the consumers, right? And they could also sell term insurance where they’re promoting whole life.
And then Primerica came back in the days former name A.
Williams came and started our philosophy by terminate best the difference.
And just in seven years of being in business after 1977 Primerica became the number one, the largest term insurance in the whole company and took from 87 people to 120,000 agents that were crusaders that were excited about the crusade of fighting their own against the insurance industry.
Selling expensive policies that doesn’t benefit the consumers, right? So back then Primerica step out.
They were the crusaders.
But guess what then in the industry figured out a way to promote a new policy, universal Life.
And back then it was very popular.
It was sensational.
It was like the best flexible premiums, two different interest rates.
It was sold a lot.
But these policies in my opinion are worse than Whole Life because after the consumers, after paying a lot of money into these policies and years later when the interest rates declined, the consumers got letters saying the insurance premiums were going to go up from like let’s say fifty dollars to two hundred and fifty dollars.
Consumers were not able to afford to keep those policies in for when they needed the most.
Right? So that was justice again that the insurance industry was doing against consumers.
So we need the Crusaders still alive.
People still need our help.
America still needs Primerica, right? And now who has heard of this concept? Infinite banking.
Right? The insurance again was created to come out with something different, a different way to suit Whole Life.
Basically this is Whole Life and guess what? People are buying it.
That buy expensive whole life insurance, put a lot of money into that and then borrow, if you need a car loan, borrow from the insurance company instead of going to the bank.
Be your own bank.
Pay the lower interest in the policy back to you instead of the bank.
And guess what? People are buying it.
So the crusaders still alive? We need crusaders.
We need to go out there and let people know that is wrong, right? What’s our philosophy by terminate invest the difference by terminal? Best of difference was is and it always be the right thing for most people.
The right is triers, right? So we need more crusaders.
And I know I’m talking to the crusaders, right? We need more crusaders.
America needs Primerica.
And how about this? The number one or the most number one reason why Latinos, Hispanics I’m Hispanic, right, are not saving for retirement is because lack of knowledge.
So there’s a lot of people I meet people all the time.
Maria.
I’ve been just not too long ago, I help a lady open, IRA.
She’s in her 60s.
She doesn’t look like but she’s in her 60s for 20 years working for herself.
Not able to fund any retirement.
Looking for someone to help her.
Could never find anybody until someone referred her to me.
So in her 60s, she started saving for retirement.
So lack of knowledge.
So we need more crusaders.
America needs Primerica how about more than 60% of Americans are worried that they won’t have enough money.
They will run out of money every time.
Why? Because they were sold the wrong kind of investments, the wrong kind of insurance, the wrong strategy.
So we need more crusaders.
The crusaders still alive.
People still need what we do, right? And guess what? This tells everything.
This was taken out by the Wall Street Journal.
The people who are facing who are going the elders right now are unprepared.
They’re facing the last decade of life unprepared.
No savings, little income, debt, and failed by the insurance companies.
So we need more crusaders.
America needs Primerica.
And guess what? Primerica needs you.
Primerica needs us to become a crusader.
To be like back in the days, those people who didn’t have everything we have, but they were excited about going out there and helping families.
Going against the giants, the insurance company with no name.
And they became the number one.
Why can’t we do that right now? People still need what we do.
We can do it right.
Have a be passionate.
Passionate about helping families, doing what we know what to do.
The right thing, right? How about making a decision that this is not something you’re trying? I see a lot of people.
Let me try it.
No.
Make the decision this is not something you’re trying.
This is something you’re doing.
It’s a difference, right? I was looking at an interview by this guy who has an insurance, owns an insurance company.
He was saying that when he interviews agents, people that want to become agents, when they start telling, he asked, Where have you worked? And they said, I work for New York.
I work for Medlife.
I work for Edward Jones.
And he’s like, I’m not hiring you.
They’re like, Why? I have experience.
No, you don’t have experience.
You are quitter because you quit New York.
You quit medlive.
You’re a quitter.
You’re going to quit my company too.
No.
Right? And I was like, that makes a lot of sense.
That’s true.
You see, the people are here.
You heard how long they’ve been here.
That’s why they’re successful.
They’re not quitters.
They stick around.
They believe in what they’re doing.
The company, the crusade, and they keep moving it out to the giants.
Right? So how about becoming committed? People think that being committed is just I’m serious about doing Primerica.
Really? When something hits you, do you quit? Do you change? Do you say, oh, maybe this is not for me, or you stay persistent and you stay committed.
You got to be committed, right.
Mentally tough.
Like a couple of you have said, life is going to hit you whether we like it or not.
But it’s up to us to continue the journey, to continue fighting for our dreams.
And it’s not easy, but it’s doable.
And we have many examples here.
All the vice presidents, I admire you so much.
Every one of you have a great story.
You encourage us and we keep moving because we know that there’s a lot of people that we’re going to impact.
We literally change lives in every way.
Right? I love recruiting because you get someone like me, I was so shy, no experience.
I come from a different country and speaking the English, no sales experience, nothing.
And today I’m a vice president.
Right.
Thank you.
Last month, we traveled to Mexico for a week and we make like $8,600, almost 10,000 travel, taking it easy.
I’m like, where can I go where I can make like Joe Cardino? Half a million dollars only in Primerica.
And a million dollars and two and three.
Right.
Sky the limit.
So thank you so much.
