Purpose · Vision · Values
Initial Client Conversation
The Client Journey
Initial Advisor Conversation
The Advisor Journey
POWERED BY
THE 9 FREEDOM STEPS®
A clear, simple path to build stability, eliminate debt, grow wealth, and create the life you were meant to live!
Step 1: Get Aligned to Your Freedom Number (FIN)
Discover the exact amount of money your family needs to live in freedom and align your current investments to hit the target! This gives you clarity, direction, and a target you can actually hit.
Step 2: Activate Free Government Benefits (RESP & RDSP)
Make sure you’re capturing every dollar of free government matching available. This step gives your family a head start using benefits most Canadians miss.
Step 3: Implement Insurance & Protection Strategy
Protect your income, your family, and your future from life’s biggest risks. The right strategy ensures one crisis doesn’t wipe out everything you’ve built.
Step 4: Build a $1,500 Emergency Fund & Zero-Based Budget
Establish immediate financial stability with a starter emergency fund and a simple, freedom-focused budget. This reduces stress and creates instant breathing room.
Step 5: Implement Debt Elimination Strategy
Attack high-interest debt with a proven, structured plan. This step frees up your income and helps you redirect money toward your future instead of interest.
Step 6: Maximize Wealth-Building Strategy
Invest with purpose using simple, transparent strategies. This aligns your money with your long-term goals so your wealth grows consistently and tax efficiently.
Step 7: Invest in Your Children’s Future
Build a flexible, transparent plan that supports your children’s education or future goals. This step ensures your investments work for your family, not for restrictive programs.
Step 8: Strategically Become Mortgage Free
Accelerate your path to ownership with smart, strategic decisions. Small adjustments can save you years and tens of thousands in interest.
Step 9: Experience Financial Freedom & Live Generously
Reach the place where your money supports the life you want — giving you freedom to enjoy, grow, and bless others. This is the lifestyle you’ve been building toward.
Get Aligned To Your Freedom Number
Your north star – the wealth you need to cover your lifestyle indefinitely.
Assessment of current assets alignment to Freedom Number (FIN)
Client Presentation
Activate Free Government Benefits
(RESPs & RDSPs)
Open RESP – Capture the Canada Learning Bond (CLB): a one-time $500 amount + $100 per year
Open RDSP – Capture the Canada Disability Savings Bond (CDSB): $1,000 per year, retroactive to the year of DTC approval
Client Presentation
Advisor Resources
Implement Insurance & Protection Strategy
Protect your income, your family, and your future from life’s biggest risks. The right strategy ensures one crisis doesn’t wipe out everything you’ve built.
Income Protection (HIGHEST PRIORITY)
Other Insurance (H&D, CI, Travel, etc)
Protection Referral Programs
LIFE INSURANCE
LIFE INSURANCE FOUNDATION
COMMON LIFE INSURANCE SCENARIOS
SPECIAL HARD TO INSURE CIRCUMSTANCES
QUICK LIFE INSURNACE TUTORIALS
HOW TO ACCESS QUICK QUOTE?
1. Log into Primerica Online (POL)
2. In the top left corner, hit the 3 lines for menu!
3. In the menu, find "Tools" > Quick Quote 3.0
4. Begin using Quick Quote 3.0
5. Generic Quick Quote Video Tutorial
6. Quick Quote for a Contact Video Tutorial
HOW TO COMPLETE LIFE INSURANCE APPLICATION?
1. Life 4.0: Before You Begin Video Tutorial
2. Life 4.0: Getting Started Video
3. Life 4.0: Personal Info (CAN) Video Tutorial
4. Life 4.0: Children, Policy Owner & Beneficiaries Video Tutorial
5. Life 4.0: Existing Insurance (CAN) Video Tutorial
6. Life 4.0: Medical Questions Video
7. Life 4.0: Add Coverage Video Tutorial
8. Life 4.0: Health & Coverage DocuSign Signatures Video Tutorial
8. Life 4.0: Payment Video Tutorial
9. Life 4.0: Review & Pay DocuSign Signatures Video Tutorial
EDGE BENEFITS
HOW TO ACCESS EXPRESS QUOTE?
1. Log into Primerica Online (POL)
2. Products > Health Benefits (CAN)
3. Click "the EDGE" logo!
*IF THIS IS YOUR FIRST TIME YOU WILL BE PROMPTED TO REGISTER AND COMPLETE A CERTIFICATION PROCESS
4. Find Sales Resources > Express Quote > Application
5. Start Quotes & Application
EDGE PRODUCT TRAINING
SUREX INSURANCE
YOUR SUREX LINK
EMAIL YOUR REFERRAL PROGRAM LINKS
Do NOT email without testing ALL your referral links!
LEGALSHIELD
YOUR LEGALSHIELD LINK
EMAIL YOUR REFERRAL PROGRAM LINKS
Do NOT email without testing ALL your referral links!
Build $1,500 Emergency Fund
& Zero-Based Budget
Save a quick $1,500 buffer to cover small emergencies and prevent new debt.
Maximum of 3 months expenses for fully funded emergency fund (Employment Insurance lowers risk).
Create a zero-based budget: assign every dollar a purpose — spending, saving, or giving.
Implement Debt Elimination Strategy
Eliminate all debt outside of the mortgage - credit cards, lines of credit, car loans.
Client Presentation
8TWELVE MORTGAGE
YOUR 8TWELVE MORTGAGE LINK
EMAIL YOUR REFERRAL PROGRAM LINKS
Do NOT email without testing ALL your referral links!
Maximize Wealth-Building Strategy
Get on track to reach your Freedom Number (FIN) by contributing the right amounts.
Grow your wealth tax-efficiently by using the right registered accounts.
Buy a house
Client Presentation
Advisor Resources
Invest in Your Children's Future
$2,500 per child per year maximizes government grants
Up to two years of grants can be earned in one calendar year
Strategically Become Mortgage Free
Consider using accelerated biweekly payments, lump sums, and prepayments to pay off your home faster and save thousands in interest.
Experience Financial Freedom
& Live Generously
Celebrate reaching financial freedom — travel, lifestyle upgrades, and peace of mind.
Use your resources to give back: church, charities, community, and family.
Shift from success → significance.
True legacy = wealth + wisdom + values passed on.