Executive TLDR
Primerica is a mission-driven “dream company.”
Master the simple Buy Term and Invest the Difference explanation.
Use the Plan A vs. Plan B comparison at the kitchen table.
Education naturally leads to recruiting opportunities.
Confidence in the crusade builds belief and duplication.
Keep the presentation simple and repeatable.
Income grows when you consistently educate families.
Daily execution of fundamentals leads to long-term success.
Video Summary
Speaking at a Primerica leadership school, Donna Fykes reinforces the power of simplicity in building success. She emphasizes belief in the company’s crusade and teaches representatives how to clearly explain the “Buy Term and Invest the Difference” concept using a straightforward Plan A vs. Plan B comparison. By showing families how traditional cash-value policies limit growth while term insurance combined with investing builds ownership and flexibility, reps can both serve clients and create recruiting opportunities at the kitchen table. Donna highlights that mastering this short, repeatable explanation builds confidence, credibility, and income. Her core message is that success doesn’t require complexity—just daily execution of simple fundamentals that educate families and duplicate easily across a team.
FAQs
What is Buy Term and Invest the Difference?
A strategy that separates affordable term life insurance from long-term investing to maximize flexibility and growth.
Why use the Plan A vs. Plan B explanation?
It simplifies financial concepts so families can easily compare options and make informed decisions.
How does education lead to recruiting?
When people understand the value of the strategy, many become interested in earning income by sharing it.
Why keep the presentation simple?
Simple messages duplicate easily, allowing faster team growth and consistent results.
Glossary
Buy Term and Invest the Difference – A strategy promoting affordable term insurance paired with independent investments.
Kitchen Table Presentation – A one-on-one meeting with a family to review financial options.
Plan A vs. Plan B – A simplified comparison between traditional cash-value policies and term-plus-investment strategies.
Crusade – Primerica’s mission to educate middle-income families about financial independence.
Duplication – Teaching others a simple system they can replicate consistently.
Transcript:
Speaker 1
Good morning, Primerica. How many are you really excited to be here? Like, really? You know, I listened to Joe. Let me. Let me thank God for all of the blessings he’s put in our lives. Mine, yours, ours. We’re blessed to be here. Thank Joe and denise for all that you’ve done to put the school together. There’s work that goes in behind it so that you can showcase your business to your people, and that’s really cool. I mean, look at this. I can’t wait. Okay. All right, Melita. Well, I don’t know if she’s still here, but her message was just do it. You know, which is the art Williams message. You know, this is what we got going on. Joe talked about the leadership side, you know, Primerica being a dream company. Like, it’s a dream company. It really is.
Speaker 1
And then Colby talked about the ingredients. I’m here to talk a little bit about the crusade, because some of you are here. Maybe you’re brand spanking new. Maybe you’ve been around a little bit. I can say it’s for the licensed agents, but not only the licensed agents. How many of you really can explain the crusade? Like, quick. Like, quick? So I’m going to give you the quick and dirty on how to explain bi department. That’s the difference. That’s what we do. And if you can get to the kitchen table like that, you can recruit people who want to make money and build a business also. All right, when I started way back when, way, way back when, it was called a paper napkin presentation. I don’t know. Now we got tablets, and I don’t know. I still got a paper napkin.
Speaker 1
All right, here we go. So I’m going to say, write it down so you can memorize. Maybe you can learn the words. What do I click here? Joe? Arrow down. Arrow down. Ha ha. That’s the arrow up. Maybe it’s upside down. Okay. Four easy steps to, by term, invest the difference. Okay, here we go. All right. There are 15 billion families out there, 11 million right here in New York alone, that own the wrong product. All right? So I’m going to talk about plan A and plan B. Plan A, you get to. Okay, you get to put money into a product, okay. Or your savings. And for the first two to three years, they get to keep all your money. All right? They’re going to give you a one to 4% return on your money, all right?
Speaker 1
But if you want your money, you got to borrow it. How you feel about that? Okay. Mmm. Not so much. Right? Okay. And then here we go. If you die, they get to keep all of your savings. Who’s in for that? Not. Okay, so plan B. Plan B is kind of simple. All of the money you put into it, now, it’s your money, okay? So you’re gonna get a potential 7% and up return on your investment. Okay? If you need your money, you can take it. It’s your money. Just take it. Okay. And if you die, your family gets to keep it. Now, if you can explain this and just simply ask someone, would you want plan a or plan b? Come on. Which one would you pick, guys? B. B. Okay. There you go.
Speaker 1
And every time I show families who are in plan a how to convert to plan b, all right? We make between 150 and dollar 400. When I can teach you how to do that, how interested would you be in coming aboard and making some part time money? Pretty cool, right? The thing is you got to be able to explain a and explain b, and then go recruit some people. If you’re at the kitchen table, this is a recruiting presentation right here. That’s my piece today.
