Primerica Freedom Lives Here.™ http://www.primerica.com/public/ Primerica is in the business of changing lives. Our mission is to help families become properly protected, debt free and financially independent. Primerica Business en Copyright 2010 primerica@primerica.com (Primerica) webmaster@primerica.com Fri, 30 Apr 2010 20:23:32 GMT Fri, 30 Apr 2010 20:23:32 GMT RSS DreamFeeder v 2.5.2 Primerica Logo Primerica Logo Primerica logo low resolution Primerica logo high resolution <h3 content="Primerica logo.">Primerica Logo</h3> <p><a href="http://www.primerica.com/public/images/primerica-logo.jpg" target="_blank"><img src="http://www.primerica.com/public/images/primerica-logo.jpg" alt="Primerica logo" width="226" height="77" border="0" /></a><br /> Primerica logo low resolution </p> <p><a href="http://www.primerica.com/public/images/primerica-logo-hires.jpg" target="_blank"><img src="http://www.primerica.com/public/images/primerica-logo-hires.jpg" alt="Primerica Logo" width="714" height="239" border="0" /></a><br /> Primerica logo high resolution </p> http://www.primerica.com/public/primerica-logo.html Wed, 28 Apr 2010 16:35:30 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login Primerica Logo Primerica logo low resolution Primerica logo high resolution Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://www.primerica.com/public/primerica-logo.html.1272658887291.1 Primerica About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Board and Management Stock Information <div id="content-wrapper"> <div id="graphic-wrapper"><a href="http://www.primerica.com/public/chris-elizabeth-koob.html"><img src="http://www.primerica.com/public/images/freedom-lives-here-03.jpg" title="Freedom Lives Here" alt="Freedom Lives Here" name="homepageImage" width="984" height="360" id="mainImage" border="0" /></a></div> <ul> <li class="first"><a href="about-primerica.html">About Primerica</a> <ul> <li><a href="our-story.html">Our Story</a></li> <li><a href="our-market-our-edge.html">Our Market, Our Edge</a></li> <li><a href="http://www.askprimerica.com" target="_blank">Primerica Blog</a></li> <li><a href="http://news.primerica.com" target="_blank">Primerica Newsroom</a></li> </ul> </li> <li><a href="what-we-do.html">What We Do</a> <ul> <li><a href="how-money-works.html">How Money Works</a></li> <li><a href="primerica-fna.html">Financial Needs Analysis</a></li> <li><a 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http://www.primerica.com/public/index.html Mon, 19 Apr 2010 18:31:19 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Mutual Fund Account Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Board and Management Stock Information Primerica Privacy Important Disclosures Term and Conditions Contact Access Your Mutual Fund Account Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos primerica scam Links > Primerica : David G Francis Primerica : Frances Avrett Primerica : Chris Koob Primerica : Ivan G Earle Primerica : Carlos Martin Gonzalez Primerica : Rene Lampley Turner Primerica : Kimberly A Poulos Primerica : Rita Jean Huckle Primerica : Francisco Dillon Primerica : Jose Rivera Vega Primerica : John Michael Roig Primerica : Daniel Pirillo Primerica : Angela Lee Coleman Primerica : Carlos Andres Salazar Primerica : John C Lennon Primerica : Lisa & Angela Jones Primerica : Nathan D Bell Primerica : Irene Brackenridge Primerica : Keith Phillips Primerica : Sam Shepard Jr Primerica : John & Barbara Sanders Primerica : Tyrone A Taylor Primerica : Charles Nelson Whitener III Primerica Logo http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/index.html.1271701799118.1 What We Do Primerica is the one company poised to solve the financial problems of the middle market. Our representatives meet with families in their own homes, across the kitchen table, and teach them “how money works”. These fundamental financial concepts are not taught in school. Primerica believes everyone has a right to know these simple principles – not just the wealthy! While other companies target the affluent, Primerica helps hardworking families all across North America. Through education and by offering a customized financial strategy, our clients are able to take advantage of our common sense solutions and get on the path to financial independence … and freedom! <img src="http://www.primerica.com/public/images/what-we-do.jpg" align="left"/> <p>Primerica is the one company poised to solve the financial problems of the middle market. Our representatives meet with families in their own homes, across the kitchen table, and teach them “how money works”. These fundamental financial concepts are not taught in school. Primerica believes everyone has a right to know these simple principles – not just the wealthy!</p> <p> While other companies target the affluent, Primerica helps hardworking families all across North America. Through education and by offering a customized financial strategy, our clients are able to take advantage of our common sense solutions and get on the path to financial independence … and freedom!</p> http://www.primerica.com/public/what-we-do.html Mon, 19 Apr 2010 18:31:12 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request What We Do Primerica is the one company poised to solve the financial problems of the middle market. Our representatives meet with families in their own homes, across the kitchen table, and teach them “how money works”. These fundamental financial concepts are not taught in school. Primerica believes everyone has a right to know these simple principles – not just the wealthy! While other companies target the affluent, Primerica helps hardworking families all across North America. Through education and by offering a customized financial strategy, our clients are able to take advantage of our common sense solutions and get on the path to financial independence … and freedom! How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/what-we-do.html.1271701799118.2 The Theory of Decreasing Responsibility According to the Theory of Decreasing Responsibility, your need for life insurance peaks along with your family responsibilities. When you’re young, you may have children to support, a new mortgage payment and many other obligations. Yet, you haven’t had the time to accumulate much money. This is the time when the death of a breadwinner or caretaker could be devastating and when you need coverage the most. When you’re older, you usually have fewer dependents and fewer financial responsibilities. Plus, you’ve had years to accumulate wealth through savings and investments. At this point, your need for insurance has reduced dramatically, and you have your own funds to see you through your retirement years. <p>According to the Theory of Decreasing Responsibility, your need for life insurance peaks along with your family responsibilities.</p> <p>When you’re young, you may have children to support, a new mortgage payment and many other obligations. Yet, you haven’t had the time to accumulate much money. This is the time when the death of a breadwinner or caretaker could be devastating and when you need coverage the most.</p> <p>When you’re older, you usually have fewer dependents and fewer financial responsibilities. Plus, you’ve had years to accumulate wealth through savings and investments. At this point, your need for insurance has reduced dramatically, and you have your own funds to see you through your retirement years.</p> <h4>&nbsp;</h4> http://www.primerica.com/public/theory-decreasing-responsibility.html Mon, 19 Apr 2010 18:31:11 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request According to the Theory of Decreasing Responsibility, your need for life insurance peaks along with your family responsibilities. When you’re young, you may have children to support, a new mortgage payment and many other obligations. Yet, you haven’t had the time to accumulate much money. This is the time when the death of a breadwinner or caretaker could be devastating and when you need coverage the most. When you’re older, you usually have fewer dependents and fewer financial responsibilities. Plus, you’ve had years to accumulate wealth through savings and investments. At this point, your need for insurance has reduced dramatically, and you have your own funds to see you through your retirement years. How Money Works The Theory of Decreasing Responsibility Financial Needs Analysis Our Products Affiliations and Organizations Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/theory-decreasing-responsibility.html.1271701799118.4 Start A Business Start A Business As a Primerica representative, you’ll offer families real solutions to their financial problems. You’ll feel great about what you do. In addition, you’ll have a flexible business opportunity that allows you to work as your schedule allows. You don’t need a background in financial services — Primerica offers you a turnkey system to help you learn the business and succeed. No large capital investment required No inventory to maintain Unlimited territory — we never restrict your market1 Comprehensive training, marketing and operations support Start your business part-time2 No business experience or degree required Earn income while you learn You can OWN your Primerica business3 Subject to licensing. Part-time opportunity not available in all parts of Canada. Ownership is available only upon meeting all qualification and eligibility requirements, and remaining in compliance with all terms and conditions, as set forth in the Ownership Program Document and various operating policies and procedures issued by Primerica from time to time. <h3>Start A Business</h3> <p>As a Primerica representative, you’ll offer families real solutions to their financial problems. You’ll feel great about what you do.</p> <p>In addition, you’ll have a flexible business opportunity that allows you to work as your schedule allows. You don’t need a background in financial services — Primerica offers you a turnkey system to help you learn the business and succeed.</p> <ul> <li>No large capital investment required</li> <li>No inventory to maintain</li> <li>Unlimited territory — we never restrict your market<sup>1</sup></li> <li>Comprehensive training, marketing and operations support</li> <li>Start your business part-time<sup>2</sup></li> <li>No business experience or degree required</li> <li>Earn income while you learn</li> <li>You can OWN your Primerica business<sup>3</sup></li> </ul> <ol> <li>Subject to licensing.</li> <li>Part-time opportunity not available in all parts of Canada.</li> <li>Ownership is available only upon meeting all qualification and eligibility requirements, and remaining in compliance with all terms and conditions, as set forth in the Ownership Program Document and various operating policies and procedures issued by Primerica from time to time.</li> </ol> http://www.primerica.com/public/start-a-business.html Mon, 19 Apr 2010 18:31:11 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Our Opportunity Start A Business As a Primerica representative, you’ll offer families real solutions to their financial problems. You’ll feel great about what you do. In addition, you’ll have a flexible business opportunity that allows you to work as your schedule allows. You don’t need a background in financial services — Primerica offers you a turnkey system to help you learn the business and succeed. No large capital investment required No inventory to maintain Unlimited territory — we never restrict your market1 Comprehensive training, marketing and operations support Start your business part-time2 No business experience or degree required Earn income while you learn You can OWN your Primerica business3 Subject to licensing. Part-time opportunity not available in all parts of Canada. Ownership is available only upon meeting all qualification and eligibility requirements, and remaining in compliance with all terms and conditions, as set forth in the Ownership Program Document and various operating policies and procedures issued by Primerica from time to time. Change Your Life Start A Business Real Life Success Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/start-a-business.html.1271701799118.3 Our Story Our Story Primerica’s roots date back to 1977 when the company began a revolutionary crusade to transform the life insurance industry. Primerica originated the “Buy Term and Invest the Difference” philosophy which encourages families to purchase affordable term life insurance so they can get the protection they need at a price they can afford and have more money to invest in their family’s future. This groundbreaking philosophy has been a significant piece of our foundation even as we diversified and expanded over the years. Today, Primerica is perfectly positioned for exponential growth and ready to transform the financial services industry. <img src="http://www.primerica.com/public/images/our-story.jpg" align="left"/> <div id="left-content2"> <h3>Our Story</h3> <p>Primerica’s roots date back to 1977 when the company began a revolutionary crusade to transform the life insurance industry. Primerica originated the “Buy Term and Invest the Difference” philosophy which encourages families to purchase affordable term life insurance so they can get the protection they need at a price they can afford and have more money to invest in their family’s future. </p> <p>This groundbreaking philosophy has been a significant piece of our foundation even as we diversified and expanded over the years. Today, Primerica is perfectly positioned for exponential growth and ready to transform the financial services industry.</p> <p>&nbsp;</p> </div> <h3>&nbsp;</h3> http://www.primerica.com/public/our-story.html Mon, 19 Apr 2010 18:31:10 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request About Primerica Our Story Primerica’s roots date back to 1977 when the company began a revolutionary crusade to transform the life insurance industry. Primerica originated the “Buy Term and Invest the Difference” philosophy which encourages families to purchase affordable term life insurance so they can get the protection they need at a price they can afford and have more money to invest in their family’s future. This groundbreaking philosophy has been a significant piece of our foundation even as we diversified and expanded over the years. Today, Primerica is perfectly positioned for exponential growth and ready to transform the financial services industry. Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/our-story.html.1271701799118.9 Our Products Our Products Primerica markets first-rate financial products and services from some of the world’s more recognizable companies. Term Life Insurance Primerica Life Insurance Company Debt Consolidation Loans1 Citicorp Trust Bank, fsb AGF Trust Company Citibank, N.A. Debt Solutions1,2 Primerica DebtWatchers™ through Primerica Client Services, Inc. Mutual Fund Investments1,3 American Funds Invesco Aim Franklin Templeton Investments Legg Mason Funds Pioneer Investments Van Kampen Investments Auto & Homeowners Insurance Primerica Secure™ and Insurance Answer Center® Variable Annuities1,3 MetLife Investors Long Term Care Insurance Genworth Financial Pre-Paid Legal Services Primerica Legal Protection Program Not all products/services available in all states. Not available to residents of Washington, D.C. In the United States, securities are offered by PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001. <img src="http://www.primerica.com/public/images/our-products.jpg" align="left"/> <div id="left-content2"> <h3>Our Products</h3> <p>Primerica markets first-rate financial products and services from some of the world’s more recognizable companies.</p> <p><strong>Term Life Insurance</strong></p> <ul> <li>Primerica Life Insurance Company</li> </ul> <p><strong>Debt Consolidation Loans</strong><sup>1</sup></p> <ul> <li>Citicorp Trust Bank, fsb</li> <li>AGF Trust Company</li> <li>Citibank, N.A.</li> </ul> <p><strong>Debt Solutions</strong><sup>1,2</sup></p> <ul> <li>Primerica DebtWatchers™ through Primerica Client Services, Inc.</li> </ul> <p><strong>Mutual Fund Investments</strong><sup>1,3</sup></p> <ul> <li>American Funds</li> <li>Invesco Aim</li> <li>Franklin Templeton Investments</li> <li>Legg Mason Funds</li> <li>Pioneer Investments</li> <li>Van Kampen Investments</li> </ul> <p><strong>Auto &amp; Homeowners Insurance</strong></p> <ul> <li>Primerica Secure™ and Insurance Answer Center®</li> </ul> <p><strong>Variable Annuities</strong><sup>1,3</sup></p> <ul> <li>MetLife Investors</li> </ul> <p><strong>Long Term Care Insurance</strong></p> <ul> <li>Genworth Financial</li> </ul> <p><strong>Pre-Paid Legal Services</strong></p> <ul> <li>Primerica Legal Protection Program</li> </ul> <ol class="footer"> <li>Not all products/services available in all states.</li> <li>Not available to residents of Washington, D.C.</li> <li>In the United States, securities are offered by PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001.</li> </ol> </div> http://www.primerica.com/public/our-products.html Mon, 19 Apr 2010 18:31:10 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request What We Do Our Products Primerica markets first-rate financial products and services from some of the world’s more recognizable companies. Term Life Insurance Primerica Life Insurance Company Debt Consolidation Loans1 Citicorp Trust Bank, fsb AGF Trust Company Citibank, N.A. Debt Solutions1,2 Primerica DebtWatchers™ through Primerica Client Services, Inc. Mutual Fund Investments1,3 American Funds Invesco Aim Franklin Templeton Investments Legg Mason Funds Pioneer Investments Van Kampen Investments Auto & Homeowners Insurance Primerica Secure™ and Insurance Answer Center® Variable Annuities1,3 MetLife Investors Long Term Care Insurance Genworth Financial Pre-Paid Legal Services Primerica Legal Protection Program Not all products/services available in all states. Not available to residents of Washington, D.C. In the United States, securities are offered by PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001. How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/our-products.html.1271701799118.8 Our Market, Our Edge Our Market, Our Edge Primerica markets financial solutions to the middle market which has long been neglected and underserved. The results are clear: most of today’s families have record levels of debt, little to no savings and no life insurance. While other companies either ignore this market or cannot cost-effectively serve it, Primerica focuses on the middle market and meets with families in their homes. Our distribution model has “cracked the code” on providing common sense solutions to these families’ financial challenges. The problem of this grossly underserved market has been well documented: “… many Americans remain underserved by the industry simply because agents cannot afford to serve them.” Insurance Advocate, June 5, 2006 “A problem as large as the underinsured mid-market calls for some fresh thinking.” “Insurers have also tried to reach the mid-market by selling direct through the mail, and more recently via the Internet, but with relatively small success.” “For every one of the jumbo life insurance cases sold today, there are hundreds if not thousands of households in critical need of a $100,000-$250,000 life policy.” National Underwriter, April 16, 2007 “The Silent Crisis: 68 Million Without Life Insurance” National Underwriter, October 8, 2007 “ … the mid-market is not even being talked to about life insurance. The agents somehow ‘didn’t get around to it…’” National Underwriter, June 11, 2007 <img src="http://www.primerica.com/public/images/our-market-our-edge.jpg" align="left"/> <h3>Our Market, Our Edge </h3> <p>Primerica markets financial solutions to the middle market which has long been neglected and underserved. The results are clear: most of today’s families have record levels of debt, little to no savings and no life insurance.</p> <p>While other companies either ignore this market or cannot cost-effectively serve it, Primerica focuses on the middle market and meets with families in their homes. Our distribution model has “cracked the code” on providing common sense solutions to these families’ financial challenges.</p> <p>The problem of this grossly underserved market has been well documented: </p> <p class="quote">“… many Americans remain underserved by the industry simply because agents cannot afford to serve them.”</p> <p class="source">Insurance Advocate, June 5, 2006 </p> <p class="quote">“A problem as large as the underinsured mid-market calls for some fresh thinking.”</p> <p class="quote">“Insurers have also tried to reach the mid-market by selling direct through the mail, and more recently via the Internet, but with relatively small success.”</p> <p class="quote">“For every one of the jumbo life insurance cases sold today, there are hundreds if not thousands of households in critical need of a $100,000-$250,000 life policy.”</p> <p class="source">National Underwriter, April 16, 2007 </p> <p class="quote">“The Silent Crisis: 68 Million Without Life Insurance”</p> <p class="source">National Underwriter, October 8, 2007</p> <p class="quote">“ … the mid-market is not even being talked to about life insurance. The agents somehow ‘didn’t get around to it…’”</p> <p class="source">National Underwriter, June 11, 2007</p> http://www.primerica.com/public/our-market-our-edge.html Mon, 19 Apr 2010 18:31:10 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request About Primerica Our Market, Our Edge Primerica markets financial solutions to the middle market which has long been neglected and underserved. The results are clear: most of today’s families have record levels of debt, little to no savings and no life insurance. While other companies either ignore this market or cannot cost-effectively serve it, Primerica focuses on the middle market and meets with families in their homes. Our distribution model has “cracked the code” on providing common sense solutions to these families’ financial challenges. The problem of this grossly underserved market has been well documented: “… many Americans remain underserved by the industry simply because agents cannot afford to serve them.” Insurance Advocate, June 5, 2006 “A problem as large as the underinsured mid-market calls for some fresh thinking.” “Insurers have also tried to reach the mid-market by selling direct through the mail, and more recently via the Internet, but with relatively small success.” “For every one of the jumbo life insurance cases sold today, there are hundreds if not thousands of households in critical need of a $100,000-$250,000 life policy.” National Underwriter, April 16, 2007 “The Silent Crisis: 68 Million Without Life Insurance” National Underwriter, October 8, 2007 “ … the mid-market is not even being talked to about life insurance. The agents somehow ‘didn’t get around to it…’” National Underwriter, June 11, 2007 Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/our-market-our-edge.html.1271701799118.7 Real Life Success Real Life Success These people started with a dream and they’ve changed their lives in the process. Primerica is a place where, with hard work, anyone can make their dreams come true. When they discovered Primerica, they decided to “go for it.” Today, they have the kind of freedom that they never dreamed possible. With commitment and hard work, so can you. Brandon & Lexee Neil Dave & Terry Francis Chris & Elizabeth Koob Ivan & Sharon Earle Jorge & Sandy Benitez <h3>Real Life Success</h3> <p>These people started with a dream and they’ve changed their lives in the process. Primerica is a place where, with hard work, anyone can make their dreams come true.</p> <p>When they discovered Primerica, they decided to “go for it.” Today, they have the kind of freedom that they never dreamed possible. With commitment and hard work, so can you.</p> <ul> <li><a href="http://www.primerica.com/public/brandon-lexee-neil.html">Brandon &amp; Lexee Neil</a></li> <li><a href="http://www.primerica.com/public/dave-terry-francis.html">Dave &amp; Terry Francis</a></li> <li><a href="http://www.primerica.com/public/chris-elizabeth-koob.html">Chris &amp; Elizabeth Koob</a></li> <li><a href="http://www.primerica.com/public/ivan-sharon-earle.html">Ivan &amp; Sharon Earle</a></li> <li><a href="http://www.primerica.com/public/jorge-sandy-benitez.html">Jorge &amp; Sandy Benitez</a></li> </ul> http://www.primerica.com/public/real-life-success.html Mon, 19 Apr 2010 18:31:10 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Real Life Success These people started with a dream and they’ve changed their lives in the process. Primerica is a place where, with hard work, anyone can make their dreams come true. When they discovered Primerica, they decided to “go for it.” Today, they have the kind of freedom that they never dreamed possible. With commitment and hard work, so can you. Brandon & Lexee Neil Dave & Terry Francis Chris & Elizabeth Koob Ivan & Sharon Earle Jorge & Sandy Benitez Change Your Life Start A Business Real Life Success Brandon & Lexee Neil Dave & Terry Francis Chris & Elizabeth Koob Ivan & Sharon Earle Jorge & Sandy Benitez Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/real-life-success.html.1271701799118.6 Financial Needs Analysis Financial Needs Analysis If you’re like many people, you’re in the dark about your finances. You pay your bills each month and do your best to prepare for the future. But the truth is, there’s only so much money to go around and preparing for the future can be overwhelming. Primerica Can Help To help families better understand their personal finances, Primerica offers the Financial Needs Analysis (FNA). The FNA gives a detailed overview of your current financial situation and suggests a personalized strategy for your financial security. The FNA is complimentary, confidential and customized for every family that Primerica serves. Who Could Benefit From an FNA? Anyone with children Anyone with debt Anyone who plans to retire someday Anyone who lacks a strategy for financial independence Here’s an overview of the FNA’s five basic sections and the information you’ll receive from each: Debt Solutions Illustrates strategies for paying off credit cards and loans in the quickest, most efficient manner possible with little or no additional cash outlay. Retirement Income Provides a detailed analysis of how much money you need to prepare for retirement. Education Funding Projects actual costs for specific schools you select, then shows you several strategies for funding your children’s education expenses. Income Protection Offers a variety of strategies to ensure your family’s financial future should you die prematurely. Building Your Financial Future Pulls all your information together by outlining specific steps to put your plan into action. <img src="http://www.primerica.com/public/images/primerica-fna.jpg" align="left"/> <h3>Financial Needs Analysis</h3> <p>If you’re like many people, you’re in the dark about your finances. You pay your bills each month and do your best to prepare for the future. But the truth is, there’s only so much money to go around and preparing for the future can be overwhelming.</p> <h4>Primerica Can Help</h4> <p>To help families better understand their personal finances, Primerica offers the Financial Needs Analysis (FNA). The FNA gives a detailed overview of your current financial situation and suggests a personalized strategy for your financial security. The FNA is complimentary, confidential and customized for every family that Primerica serves.</p> <div class="callout-box" style="height:150px; margin-top:20px;"> <img src="http://www.primerica.com/public/images/primerica-fna-pages.png" width="308" height="208" align="right" /><h5>Who Could Benefit <br /> From an FNA?</h5> <ul> <li>Anyone with children</li> <li> Anyone with debt</li> <li>Anyone who plans to retire someday</li> <li>Anyone who lacks a strategy for financial independence</li> </ul> </div> <p>Here’s an overview of the FNA’s five basic sections and the information you’ll receive from each: </p> <blockquote> <p><strong>Debt Solutions</strong><br /> Illustrates strategies for paying off credit cards and loans in the quickest, most efficient manner possible with little or no additional cash outlay.</p> <p><strong>Retirement Income</strong><br /> Provides a detailed analysis of how much money you need to prepare for retirement.</p> <p><strong>Education Funding</strong><br /> Projects actual costs for specific schools you select, then shows you several strategies for funding your children’s education expenses.</p> <p><strong>Income Protection</strong><br /> Offers a variety of strategies to ensure your family’s financial future should you die prematurely.</p> <p><strong>Building Your Financial Future</strong><br /> Pulls all your information together by outlining specific steps to put your plan into action.</p> </blockquote> http://www.primerica.com/public/primerica-fna.html Mon, 19 Apr 2010 18:31:10 GMT Primerica Contact Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations What We Do Financial Needs Analysis If you’re like many people, you’re in the dark about your finances. You pay your bills each month and do your best to prepare for the future. But the truth is, there’s only so much money to go around and preparing for the future can be overwhelming. Primerica Can Help To help families better understand their personal finances, Primerica offers the Financial Needs Analysis (FNA). The FNA gives a detailed overview of your current financial situation and suggests a personalized strategy for your financial security. The FNA is complimentary, confidential and customized for every family that Primerica serves. Who Could Benefit From an FNA? Anyone with children Anyone with debt Anyone who plans to retire someday Anyone who lacks a strategy for financial independence Here’s an overview of the FNA’s five basic sections and the information you’ll receive from each: Debt Solutions Illustrates strategies for paying off credit cards and loans in the quickest, most efficient manner possible with little or no additional cash outlay. Retirement Income Provides a detailed analysis of how much money you need to prepare for retirement. Education Funding Projects actual costs for specific schools you select, then shows you several strategies for funding your children’s education expenses. Income Protection Offers a variety of strategies to ensure your family’s financial future should you die prematurely. Building Your Financial Future Pulls all your information together by outlining specific steps to put your plan into action. How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/primerica-fna.html.1271701799118.5 Jorge & Sandy Benitez Jorge & Sandy Benitez Palmdale, California Former Occupation: Delivery Driver Jorge and Sandy Benitez moved to the United States in 1980 with big dreams for their future. However, they found that their occupations as a delivery truck driver and a housekeeper did not give them the kind of life they wanted. When Sandy attended a Primerica meeting and found out how she could make more money in a few hours than she made in an entire week at her old job, she was hooked. “I saw the light at the end of the tunnel,” she remembers. “I realized that anyone could succeed at Primerica, as long as you had a dream.” Today, their dreams have come true… and then some! Their daughter works with them in the business and they live a life filled with freedom. “To be your own boss is great,” Jorge enthuses. “We don’t have to ask for permission to do anything. Our time is our own. You can be anything you want to be here. Primerica is for anyone who wants to work hard to achieve their dreams.” <h3>Jorge &amp; Sandy Benitez</h3> <p>Palmdale, California<br /> Former Occupation: Delivery Driver</p> <p>Jorge and Sandy Benitez moved to the United States in 1980 with big dreams for their future. However, they found that their occupations as a delivery truck driver and a housekeeper did not give them the kind of life they wanted.</p> <p>When Sandy attended a Primerica meeting and found out how she could make more money in a few hours than she made in an entire week at her old job, she was hooked. “I saw the light at the end of the tunnel,” she remembers. “I realized that anyone could succeed at Primerica, as long as you had a dream.”</p> <p>Today, their dreams have come true… and then some! Their daughter works with them in the business and they live a life filled with freedom. “To be your own boss is great,” Jorge enthuses. “We don’t have to ask for permission to do anything. Our time is our own. You can be anything you want to be here. Primerica is for anyone who wants to work hard to achieve their dreams.”</p> http://www.primerica.com/public/jorge-sandy-benitez.html Mon, 19 Apr 2010 18:31:09 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Jorge & Sandy Benitez Palmdale, California Former Occupation: Delivery Driver Jorge and Sandy Benitez moved to the United States in 1980 with big dreams for their future. However, they found that their occupations as a delivery truck driver and a housekeeper did not give them the kind of life they wanted. When Sandy attended a Primerica meeting and found out how she could make more money in a few hours than she made in an entire week at her old job, she was hooked. “I saw the light at the end of the tunnel,” she remembers. “I realized that anyone could succeed at Primerica, as long as you had a dream.” Today, their dreams have come true… and then some! Their daughter works with them in the business and they live a life filled with freedom. “To be your own boss is great,” Jorge enthuses. “We don’t have to ask for permission to do anything. Our time is our own. You can be anything you want to be here. Primerica is for anyone who wants to work hard to achieve their dreams.” Change Your Life Start A Business Real Life Success Brandon & Lexee Neil Dave & Terry Francis Chris & Elizabeth Koob Ivan & Sharon Earle Jorge & Sandy Benitez Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/jorge-sandy-benitez.html.1271701799118.12 Ivan & Sharon Earle Ivan & Sharon Earle Columbia, South Carolina Former Occupation: Plant Worker Web site: Primerica : Ivan G Earle “It scares me to think about what my life would have been like without Primerica,” recalls Ivan Earle. As a young boy growing up in Columbia, South Carolina, Ivan looked forward to a job working at a local chemical plant, where “I thought all of my dreams would come true.” After five years of manual labor, Ivan realized his annual salary of $12,000 would never afford him the lifestyle he wanted for his family. After meeting a local minister for help, Ivan found himself at an Opportunity Meeting. Within three months of joining Primerica part-time, Ivan quit his job as a plant worker to pursue the opportunity of a lifetime. “It amazes me how many people are content with being average and ordinary and just scraping by,” says Ivan. “I wanted more than that. I wanted the finer things for myself and my family.” Twenty years later, Ivan’s enjoyed sharing his financial success with his family. He was able to help his mother retire from a teaching career to pursue her dream of operating a day care center, and bought her her dream car. In addition to the extraordinary financial rewards, Primerica has enriched Ivan’s life far beyond his expectations. “With two young sons, it helps to be in control of my own schedule so I don’t have to miss important family events,” explains Ivan. “I have changed my family’s legacy for generations to come.” <h3>Ivan &amp; Sharon Earle</h3> <p>Columbia, South Carolina<br /> Former Occupation: Plant Worker<br /> Web site: <a href="http://ivanearle.primerica.com/" target="_blank">Primerica : Ivan G Earle</a></p> <p>“It scares me to think about what my life would have been like without Primerica,” recalls Ivan Earle. As a young boy growing up in Columbia, South Carolina, Ivan looked forward to a job working at a local chemical plant, where “I thought all of my dreams would come true.” After five years of manual labor, Ivan realized his annual salary of $12,000 would never afford him the lifestyle he wanted for his family.</p> <p>After meeting a local minister for help, Ivan found himself at an Opportunity Meeting. Within three months of joining Primerica part-time, Ivan quit his job as a plant worker to pursue the opportunity of a lifetime. “It amazes me how many people are content with being average and ordinary and just scraping by,” says Ivan. “I wanted more than that. I wanted the finer things for myself and my family.”</p> <p>Twenty years later, Ivan’s enjoyed sharing his financial success with his family. He was able to help his mother retire from a teaching career to pursue her dream of operating a day care center, and bought her her dream car. In addition to the extraordinary financial rewards, Primerica has enriched Ivan’s life far beyond his expectations. “With two young sons, it helps to be in control of my own schedule so I don’t have to miss important family events,” explains Ivan. “I have changed my family’s legacy for generations to come.”</p> http://www.primerica.com/public/ivan-sharon-earle.html Mon, 19 Apr 2010 18:31:09 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Ivan & Sharon Earle Columbia, South Carolina Former Occupation: Plant Worker Web site: Primerica : Ivan G Earle “It scares me to think about what my life would have been like without Primerica,” recalls Ivan Earle. As a young boy growing up in Columbia, South Carolina, Ivan looked forward to a job working at a local chemical plant, where “I thought all of my dreams would come true.” After five years of manual labor, Ivan realized his annual salary of $12,000 would never afford him the lifestyle he wanted for his family. After meeting a local minister for help, Ivan found himself at an Opportunity Meeting. Within three months of joining Primerica part-time, Ivan quit his job as a plant worker to pursue the opportunity of a lifetime. “It amazes me how many people are content with being average and ordinary and just scraping by,” says Ivan. “I wanted more than that. I wanted the finer things for myself and my family.” Twenty years later, Ivan’s enjoyed sharing his financial success with his family. He was able to help his mother retire from a teaching career to pursue her dream of operating a day care center, and bought her her dream car. In addition to the extraordinary financial rewards, Primerica has enriched Ivan’s life far beyond his expectations. “With two young sons, it helps to be in control of my own schedule so I don’t have to miss important family events,” explains Ivan. “I have changed my family’s legacy for generations to come.” Change Your Life Start A Business Real Life Success Brandon & Lexee Neil Dave & Terry Francis Chris & Elizabeth Koob Ivan & Sharon Earle Jorge & Sandy Benitez Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/ivan-sharon-earle.html.1271701799118.11 How Money Works How Money Works When it comes to finances, how much do you know? If you’re like most people, you probably know little about personal finance. Perhaps you think long-term security is impossible on your income. But, the truth is, no matter what your income level, you can achieve financial security. You just have to take the time to learn a few simple principles about how money works. Financial education is for everyone Primerica is about education. We believe that there are no “secrets” to financial security… and financial education isn’t just for the wealthy. Primerica’s goal is to educate hardworking families — just like you — on simple concepts that can change your financial future forever. Do you know when you need life insurance the most? How about saving for retirement? Do you know how much something really costs when you put it on your credit card? Taking a few moments to learn some simple concepts about how money works can save you from financial headaches later. Learn more about how money works with the financial concepts to your right — they’re simple! <img src="http://www.primerica.com/public/images/how-money-works.jpg" align="left"/> <h3>How Money Works</h3> <h4>When it comes to finances, how much do you know?</h4> <p>If you’re like most people, you probably know little about personal finance. Perhaps you think long-term security is impossible on your income. But, the truth is, no matter what your income level, you can achieve financial security. You just have to take the time to learn a few simple principles about how money works.</p> <h4>Financial education is for everyone</h4> <p>Primerica is about education. We believe that there are no “secrets” to financial security… and financial education isn’t just for the wealthy. Primerica’s goal is to educate hardworking families — just like you — on simple concepts that can change your financial future forever.</p> <p>Do you know when you need life insurance the most? How about saving for retirement? Do you know how much something really costs when you put it on your credit card? Taking a few moments to learn some simple concepts about how money works can save you from financial headaches later. Learn more about how money works with the financial concepts to your right — they’re simple!</p> http://www.primerica.com/public/how-money-works.html Mon, 19 Apr 2010 18:31:09 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request What We Do How Money Works When it comes to finances, how much do you know? If you’re like most people, you probably know little about personal finance. Perhaps you think long-term security is impossible on your income. But, the truth is, no matter what your income level, you can achieve financial security. You just have to take the time to learn a few simple principles about how money works. Financial education is for everyone Primerica is about education. We believe that there are no “secrets” to financial security… and financial education isn’t just for the wealthy. Primerica’s goal is to educate hardworking families — just like you — on simple concepts that can change your financial future forever. Do you know when you need life insurance the most? How about saving for retirement? Do you know how much something really costs when you put it on your credit card? Taking a few moments to learn some simple concepts about how money works can save you from financial headaches later. Learn more about how money works with the financial concepts to your right — they’re simple! How Money Works The Theory of Decreasing Responsibility Financial Needs Analysis Our Products Affiliations and Organizations Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/how-money-works.html.1271701799118.10 Chris & Elizabeth Koob Chris & Elizabeth Koob Mason, Ohio Former Occupation: Engineer Web site: Primerica : Chris Koob “Finding Primerica has been the best thing that could have happened to me,” says entrepreneur Chris Koob. A former engineering student, Chris originally entered the business to “make what I would have as an engineer and be self-employed.” Today, Chris and his wife Elizabeth are living life on their own terms — and enjoying a freedom most people only dream of. Because their income allows them to have household help, Elizabeth can spend more valuable time with their three little girls. “Primerica has also given us the opportunity to give back to our community,” says Chris, who donates $10,000 a month to various charities and organizations, and has started a foundation to help provide private education for inner city children. An “off-the-wall” introvert, Chris admits his climb to success has not been easy, but credits his experience with Primerica as turning him into a better person. “When I look back at the end of the day, I don’t look at the income,” Chris says. “It’s definitely nice, but what I really like is the person I’m becoming and the feeling I have about myself. What excited me most about Primerica is the environment where people can become anything they want to become. People evolve, grow and do things they never thought they could do.” <h3>Chris &amp; Elizabeth Koob</h3> <p>Mason, Ohio<br /> Former Occupation: Engineer<br /> Web site: <a href="http://cekoob.primerica.com/" target="_blank">Primerica : Chris Koob</a></p> <p>“Finding Primerica has been the best thing that could have happened to me,” says entrepreneur Chris Koob. A former engineering student, Chris originally entered the business to “make what I would have as an engineer and be self-employed.” Today, Chris and his wife Elizabeth are living life on their own terms — and enjoying a freedom most people only dream of.</p> <p>Because their income allows them to have household help, Elizabeth can spend more valuable time with their three little girls. “Primerica has also given us the opportunity to give back to our community,” says Chris, who donates $10,000 a month to various charities and organizations, and has started a foundation to help provide private education for inner city children.</p> <p>An “off-the-wall” introvert, Chris admits his climb to success has not been easy, but credits his experience with Primerica as turning him into a better person. “When I look back at the end of the day, I don’t look at the income,” Chris says. “It’s definitely nice, but what I really like is the person I’m becoming and the feeling I have about myself. What excited me most about Primerica is the environment where people can become anything they want to become. People evolve, grow and do things they never thought they could do.”</p> http://www.primerica.com/public/chris-elizabeth-koob.html Mon, 19 Apr 2010 18:31:08 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Chris & Elizabeth Koob Mason, Ohio Former Occupation: Engineer Web site: Primerica : Chris Koob “Finding Primerica has been the best thing that could have happened to me,” says entrepreneur Chris Koob. A former engineering student, Chris originally entered the business to “make what I would have as an engineer and be self-employed.” Today, Chris and his wife Elizabeth are living life on their own terms — and enjoying a freedom most people only dream of. Because their income allows them to have household help, Elizabeth can spend more valuable time with their three little girls. “Primerica has also given us the opportunity to give back to our community,” says Chris, who donates $10,000 a month to various charities and organizations, and has started a foundation to help provide private education for inner city children. An “off-the-wall” introvert, Chris admits his climb to success has not been easy, but credits his experience with Primerica as turning him into a better person. “When I look back at the end of the day, I don’t look at the income,” Chris says. “It’s definitely nice, but what I really like is the person I’m becoming and the feeling I have about myself. What excited me most about Primerica is the environment where people can become anything they want to become. People evolve, grow and do things they never thought they could do.” Change Your Life Start A Business Real Life Success Brandon & Lexee Neil Dave & Terry Francis Chris & Elizabeth Koob Ivan & Sharon Earle Jorge & Sandy Benitez Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/chris-elizabeth-koob.html.1271701799118.15 Dave & Terry Francis Dave & Terry Francis London, Ontario Former Occupation: Lawyer Web site: Primerica : David G Francis When David Francis was introduced to the Primerica Opportunity, he was an established lawyer with a London, Ontario firm he had helped build. His wife, Terry, was a medical doctor. Together, they were accomplished and successful. Yet David didn't hesitate to make a change to Primerica. As he describes it, "I was used to working hard and managing my time. With Primerica, I knew I could apply the same work ethic, earn more income and enjoy a better lifestyle. I joined this company to build a business and become financially independent.” "Primerica is a career where you can make more than a medical specialist. Why not apply the same intensity that doctors must apply to their careers to get where they want to go?” Terry adds. David feels the same way: “To become a lawyer, I went to school for 9 1/2 years, just so I could hang out a shingle,” he says. “At Primerica, you can work hard in this business for nine years and be financially free!" Primerica, emphasizes David, is the same as any business opportunity, except you get paid while you learn. "You have to give this opportunity a fair shake," he adds. "Do you want to make an extra $1,000 or do you want a career where you can make the income of your dreams? It's all in how you look at it and what you're willing to do. The bottom line is — it's possible." <h3>Dave &amp; Terry Francis</h3> <p>London, Ontario<br /> Former Occupation: Lawyer<br /> Web site: <a href="http://davidfrancis.primerica.com/" target="_blank">Primerica : David G Francis</a></p> <p>When David Francis was introduced to the Primerica Opportunity, he was an established lawyer with a London, Ontario firm he had helped build. His wife, Terry, was a medical doctor. Together, they were accomplished and successful. Yet David didn't hesitate to make a change to Primerica.</p> <p>As he describes it, &quot;I was used to working hard and managing my time. With Primerica, I knew I could apply the same work ethic, earn more income and enjoy a better lifestyle. I joined this company to build a business and become financially independent.”</p> <p>&quot;Primerica is a career where you can make more than a medical specialist. Why not apply the same intensity that doctors must apply to their careers to get where they want to go?” Terry adds. David feels the same way: “To become a lawyer, I went to school for 9 1/2 years, just so I could hang out a shingle,” he says. “At Primerica, you can work hard in this business for nine years and be financially free!&quot;</p> <p>Primerica, emphasizes David, is the same as any business opportunity, except you get paid while you learn. &quot;You have to give this opportunity a fair shake,&quot; he adds. &quot;Do you want to make an extra $1,000 or do you want a career where you can make the income of your dreams? It's all in how you look at it and what you're willing to do. The bottom line is — it's possible.&quot;</p> http://www.primerica.com/public/dave-terry-francis.html Mon, 19 Apr 2010 18:31:08 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Dave & Terry Francis London, Ontario Former Occupation: Lawyer Web site: Primerica : David G Francis When David Francis was introduced to the Primerica Opportunity, he was an established lawyer with a London, Ontario firm he had helped build. His wife, Terry, was a medical doctor. Together, they were accomplished and successful. Yet David didn't hesitate to make a change to Primerica. As he describes it, "I was used to working hard and managing my time. With Primerica, I knew I could apply the same work ethic, earn more income and enjoy a better lifestyle. I joined this company to build a business and become financially independent.” "Primerica is a career where you can make more than a medical specialist. Why not apply the same intensity that doctors must apply to their careers to get where they want to go?” Terry adds. David feels the same way: “To become a lawyer, I went to school for 9 1/2 years, just so I could hang out a shingle,” he says. “At Primerica, you can work hard in this business for nine years and be financially free!" Primerica, emphasizes David, is the same as any business opportunity, except you get paid while you learn. "You have to give this opportunity a fair shake," he adds. "Do you want to make an extra $1,000 or do you want a career where you can make the income of your dreams? It's all in how you look at it and what you're willing to do. The bottom line is — it's possible." Change Your Life Start A Business Real Life Success Brandon & Lexee Neil Dave & Terry Francis Chris & Elizabeth Koob Ivan & Sharon Earle Jorge & Sandy Benitez Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/dave-terry-francis.html.1271701799118.14 Contact Primerica Please select the area or department you wish to contact from the menu below. We appreciate the opportunity to assist you and look forward to hearing from you. Life Insurance – General Policy Information Loans Investments and Mutual Funds General Recruiting Inquiries Inquiries About Independent Business Application (IBA) Fees Life Insurance – General Policy Information United States, Puerto Rico and Guam Client Service General Policy Information (all but NY) General Policy Information 1-800-257-4725 (NY only) 1-800-468-2268 Claims (US, NY, Puerto Rico and Guam) Hearing Impaired (TDD) 1-888-893-9858 1-800-824-1715 Mailing Address (be sure to include your 10-digit policy number on all correspondence): U.S., Puerto Rico and Guam Primerica Life Insurance Company 3120 Breckinridge Blvd. Duluth, GA 30099 New York National Benefit Life Insurance Company 3120 Breckinridge Blvd. Duluth, GA30099 Canada General Policy Information & Claims General Policy Information & Claims (French) 1-800-387-7876 1-800-265-4804 Mailing Address (be sure to include your 10-digit policy number on all correspondence): Primerica Life Insurance Company of Canada 2000 Argentia Road Plaza V, Suite 300 Mississaugua, Ontario L5N 2R7 Loans For assistance regarding loans, please contact one of the following Customer Service Units: $.M.A.R.T. Loan® Citicorp Trust Bank 1-800-737-6011 G.O.O.D. Loan™ Citibank NA 1-866-533-5596 Written inquiries regarding loans should be mailed to: Primerica Financial Services Attn: Consumer Relations Department 3120 Breckinridge Blvd. Duluth, Georgia 30099-0001 Investments and Mutual Funds Legg Mason Partners Funds, Van Kampen, Invesco Aim and Pioneer mutual fund investments through PFS Investments Inc. All other mutual funds Questions Customer Service Center 1-800-544-5445 If you have questions about new or existing account information, please contact the appropriate mutual fund company's customer service center for assistance. Price, dividend and personal account information Can be obtained 24 hours a day, 7 days a week, through our automated telephone system or on our web site, shareholder.primerica.com. Please contact the appropriate mutual funds company's customer service center. The contact information can be found in your mutual fund prospectus. If the fund company is unable to assist you, please contact your PFS Investments Registered Representative for assistance. Independent Business Application Inquiries For new members of the Primerica sales force who have inquiries concerning Independent Business Application (IBA) fees, please refer to the Basic Agreement pages in your IBA. For additional IBA fee inquiries send email to: US inquiries email to: us_ibainquiries@primerica.com Canada inquiries email to: canada_agencysupport@primerica.com For inquiries regarding Primerica Online fees, send email to: help_callatlantabilling@primerica.com Recruiting Inquiries If you have a question or inquiry related to recruiting contacts by a Primerica representative, send email to: us_marketingadvisory@primerica.com <img src="http://www.primerica.com/public/images/contact-primerica.jpg" align="left"/> <p>Please select the area or department you wish to contact from the menu below. We appreciate the opportunity to assist you and look forward to hearing from you. </p> <ul> <li><a href="http://www.primerica.com/public/contact.html#policy" onclick="MM_changeProp('info','','style.display','block','DIV');MM_changeProp('loans','','style.display','none','DIV');MM_changeProp('invest','','style.display','none','DIV');MM_changeProp('iba','','style.display','none','DIV');MM_changeProp('recruiting','','style.display','none','DIV');MM_changeProp('main-wrapper','','backgroundColor','','DIV')">Life Insurance &ndash; General Policy Information</a></li> <li><a href="http://www.primerica.com/public/contact.html#loan_info" onclick="MM_changeProp('loans','','style.display','block','DIV');MM_changeProp('info','','style.display','none','DIV');MM_changeProp('invest','','style.display','none','DIV');MM_changeProp('iba','','style.display','none','DIV');MM_changeProp('recruiting','','style.display','none','DIV');MM_changeProp('main-wrapper','','backgroundColor','','DIV')">Loans</a></li> <li><a href="http://www.primerica.com/public/contact.html#mutual_funds" onclick="MM_changeProp('invest','','style.display','block','DIV');MM_changeProp('info','','style.display','none','DIV');MM_changeProp('loans','','style.display','none','DIV');MM_changeProp('iba','','style.display','none','DIV');MM_changeProp('recruiting','','style.display','none','DIV');MM_changeProp('main-wrapper','','backgroundColor','','DIV')">Investments and Mutual Funds</a></li> <li><a href="http://www.primerica.com/public/contact.html#recruit" onclick="MM_changeProp('recruiting','','style.display','block','DIV');MM_changeProp('info','','style.display','none','DIV');MM_changeProp('loans','','style.display','none','DIV');MM_changeProp('invest','','style.display','none','DIV');MM_changeProp('iba','','style.display','none','DIV');MM_changeProp('main-wrapper','','backgroundColor','','DIV')">General Recruiting Inquiries</a></li> <li><a href="http://www.primerica.com/public/contact.html#ibas" onclick="MM_changeProp('iba','','style.display','block','DIV');MM_changeProp('info','','style.display','none','DIV');MM_changeProp('loans','','style.display','none','DIV');MM_changeProp('invest','','style.display','none','DIV');MM_changeProp('recruiting','','style.display','none','DIV');MM_changeProp('main-wrapper','','backgroundColor','','DIV')">Inquiries About Independent Business Application (IBA) Fees</a></li> </ul> <div id="info" class="contact-box"> <div id="close"><a href="javascript:void()" onclick="MM_changeProp('info','','style.display','none','DIV')"><img src="http://www.primerica.com/public/images/close.png" alt="Close" width="20" height="20" border="0" align="absmiddle" /></a></div> <a name="policy" id="policy"></a> <h2>Life Insurance &ndash; General Policy Information</h2> <p class="regions">United States, Puerto Rico and Guam </p> <table width="430" border="0" cellpadding="3" cellspacing="0" class="life"> <tr> <td width="251" valign="bottom"><strong>Client Service</strong><br /> General Policy Information (all but NY)<br /> General Policy Information</td> <td width="167" valign="bottom">1-800-257-4725<br /> (NY only) 1-800-468-2268</td> </tr> <tr> <td width="251" valign="bottom"><strong>Claims </strong><br /> (US, NY, Puerto Rico and Guam)<br /> Hearing Impaired (TDD)</td> <td valign="bottom">1-888-893-9858<br /> 1-800-824-1715 </td> </tr> </table> <p><strong>Mailing Address </strong><br /> (be sure to include your 10-digit policy number on all correspondence):</p> <blockquote> <p><strong>U.S., Puerto Rico and Guam</strong></p> <p>Primerica Life Insurance Company<br /> 3120 Breckinridge Blvd.<br /> Duluth, GA 30099</p> <p><strong>New York</strong></p> <p>National Benefit Life Insurance Company<br /> 3120 Breckinridge Blvd.<br /> Duluth, GA30099</p> </blockquote> <p class="regions">Canada</p> <table width="430" border="0" cellpadding="3" cellspacing="0" class="life"> <tr> <td width="251">General Policy Information &amp; Claims<br /> General Policy Information &amp; Claims (French)</td> <td>1-800-387-7876<br /> 1-800-265-4804 </td> </tr> </table> <p><strong>Mailing Address </strong><br /> (be sure to include your 10-digit policy number on all correspondence):</p> <blockquote> <p>Primerica Life Insurance Company of Canada<br /> 2000 Argentia Road<br /> Plaza V, Suite 300<br /> Mississaugua, Ontario L5N 2R7</p> </blockquote> </div> <div id="loans" class="contact-box"> <div id="close"><a href="javascript:void()" onclick="MM_changeProp('loans','','style.display','none','DIV')"><img src="http://www.primerica.com/public/images/close.png" alt="close" border="0" align="absmiddle" /></a></div> <a name="loan_info" id="loan_info"></a> <h2>Loans</h2> <p>For assistance regarding loans, please contact one of the following Customer Service Units:</p> <table height="44" border="0" cellpadding="3" cellspacing="0" class="loans"> <tr> <td height="22" valign="top">$.M.A.R.T. Loan&reg; </td> <td valign="top">Citicorp Trust Bank</td> <td valign="top">1-800-737-6011</td> </tr> <tr> <td valign="top">G.O.O.D. Loan&trade;</td> <td valign="top">Citibank NA</td> <td valign="top">1-866-533-5596</td> </tr> </table> <p>Written inquiries regarding loans should be mailed to: </p> <blockquote> <p>Primerica Financial Services<br /> Attn: Consumer Relations Department <br /> 3120 Breckinridge Blvd. <br /> Duluth, Georgia 30099-0001</p> </blockquote> </div> <div id="invest" class="contact-box"> <div id="close"> <a href="javascript:void()" onclick="MM_changeProp('invest','','style.display','none','DIV')"><img src="http://www.primerica.com/public/images/close.png" alt="close" border="0" align="absmiddle" /></a></div> <a name="mutual_funds" id="mutual_funds"></a> <h2>Investments and Mutual Funds</h2> <br /> <table border="0" cellpadding="5" cellspacing="0" class="invest"> <tr> <td width="21%" valign="bottom"><p></p></td> <td width="37%" valign="bottom"><strong>Legg Mason Partners Funds, Van Kampen, Invesco Aim and Pioneer mutual fund investments through PFS Investments Inc. </strong></td> <td width="42%" valign="bottom"><strong>All other mutual funds </strong></td> </tr> <tr> <td valign="top"><strong>Questions</strong></td> <td valign="top">Customer Service Center <br /> 1-800-544-5445</td> <td valign="top">If you have questions about new or existing account information, please contact the appropriate mutual fund company's customer service center for assistance.</td> </tr> <tr> <td valign="top"><strong>Price, dividend and personal account information </strong></td> <td valign="top">Can be obtained 24 hours a day, 7 days a week, through our automated telephone system or on our web site, shareholder.primerica.com. </td> <td valign="top">Please contact the appropriate mutual funds company's customer service center. The contact information can be found in your mutual fund prospectus.</td> </tr> </table> </p> <p>If the fund company is unable to assist you, please contact your PFS Investments Registered Representative for assistance.</p> </div> <div id="iba" class="contact-box"> <div id="close"> <a href="javascript:void()" onclick="MM_changeProp('iba','','style.display','none','DIV')"><img src="http://www.primerica.com/public/images/close.png" alt="close" border="0" align="absmiddle" /></a></div> <a name="ibas" id="ibas"></a> <h2>Independent Business Application Inquiries</h2> <p>For new members of the Primerica sales force who have inquiries concerning Independent Business Application (IBA) fees, please refer to the Basic Agreement pages in your IBA. </p> <p>For additional IBA fee inquiries send email to:</p> <ul> <li>US inquiries email to: <a href="mailto:us_iba_refunds@primerica.com">us_ibainquiries@primerica.com</a></li> <li>Canada inquiries email to: <a href="mailto:canada_agencysupport@primerica.com">canada_agencysupport@primerica.com</a></li> </ul> <p>For inquiries regarding Primerica Online fees, send email to:</p> <ul> <li><a href="mailto:help_callatlantabilling@primerica.com">help_callatlantabilling@primerica.com</a></li> </ul> </div> <div id="recruiting" class="contact-box"> <div id="close"> <a href="javascript:void()" onclick="MM_changeProp('recruiting','','style.display','none','DIV')"><img src="http://www.primerica.com/public/images/close.png" alt="close" border="0" align="absmiddle" /></a></div> <a name="recruit" id="recruit"></a> <h2>Recruiting Inquiries </h2> <p>If you have a question or inquiry related to recruiting contacts by a Primerica representative, send email to: <a href="mailto: us_marketingadvisory@primerica.com">us_marketingadvisory@primerica.com</a></p> </div> http://www.primerica.com/public/contact.html Mon, 19 Apr 2010 18:31:08 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Contact Please select the area or department you wish to contact from the menu below. We appreciate the opportunity to assist you and look forward to hearing from you. Life Insurance – General Policy Information Loans Investments and Mutual Funds General Recruiting Inquiries Inquiries About Independent Business Application (IBA) Fees Life Insurance – General Policy Information United States, Puerto Rico and Guam Client Service General Policy Information (all but NY) General Policy Information 1-800-257-4725 (NY only) 1-800-468-2268 Claims (US, NY, Puerto Rico and Guam) Hearing Impaired (TDD) 1-888-893-9858 1-800-824-1715 Mailing Address (be sure to include your 10-digit policy number on all correspondence): U.S., Puerto Rico and Guam Primerica Life Insurance Company 3120 Breckinridge Blvd. Duluth, GA 30099 New York National Benefit Life Insurance Company 3120 Breckinridge Blvd. Duluth, GA30099 Canada General Policy Information & Claims General Policy Information & Claims (French) 1-800-387-7876 1-800-265-4804 Mailing Address (be sure to include your 10-digit policy number on all correspondence): Primerica Life Insurance Company of Canada 2000 Argentia Road Plaza V, Suite 300 Mississaugua, Ontario L5N 2R7 Loans For assistance regarding loans, please contact one of the following Customer Service Units: $.M.A.R.T. Loan® Citicorp Trust Bank 1-800-737-6011 G.O.O.D. Loan™ Citibank NA 1-866-533-5596 Written inquiries regarding loans should be mailed to: Primerica Financial Services Attn: Consumer Relations Department 3120 Breckinridge Blvd. Duluth, Georgia 30099-0001 Investments and Mutual Funds Legg Mason Partners Funds, Van Kampen, Invesco Aim and Pioneer mutual fund investments through PFS Investments Inc. All other mutual funds Questions Customer Service Center 1-800-544-5445 If you have questions about new or existing account information, please contact the appropriate mutual fund company's customer service center for assistance. Price, dividend and personal account information Can be obtained 24 hours a day, 7 days a week, through our automated telephone system or on our web site, shareholder.primerica.com. Please contact the appropriate mutual funds company's customer service center. The contact information can be found in your mutual fund prospectus. If the fund company is unable to assist you, please contact your PFS Investments Registered Representative for assistance. Independent Business Application Inquiries For new members of the Primerica sales force who have inquiries concerning Independent Business Application (IBA) fees, please refer to the Basic Agreement pages in your IBA. For additional IBA fee inquiries send email to: US inquiries email to: us_ibainquiries@primerica.com Canada inquiries email to: canada_agencysupport@primerica.com For inquiries regarding Primerica Online fees, send email to: help_callatlantabilling@primerica.com Recruiting Inquiries If you have a question or inquiry related to recruiting contacts by a Primerica representative, send email to: us_marketingadvisory@primerica.com Primerica, Inc. 3120 Breckinridge Blvd. Duluth, GA 30099 United States Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/contact.html.1271701799118.13 About Primerica Primerica is a financial services company like no other. Dedicated to delivering common sense solutions to families’ financial challenges, we focus on the underserved middle-market that has been neglected and often ignored by traditional financial services companies. While other companies focus on the affluent, Primerica’s mission is to help families become properly protected, debt free and financially independent. We have a unique business model: the interests of our clients, our representatives and the company are all in alignment. No decision is ever made without considering all three of these groups’ best interests. The end result? Trust. Trust is what our 30-year track record is built on. We’ve always done what’s right. Primerica More than 4.3 million lives insured through us More than 2 million clients maintain investment accounts with us More than 100,000 licensed representatives (2009) Placed in force more than $80 billion in life insurance in 2009 An average of $2.5 million in benefit claims is paid every day Investment clients have more than $25 billion in asset values in their Primerica investment accounts (2009) <img src="http://www.primerica.com/public/images/about-primerica.jpg" align="left"/> <p>Primerica is a financial services company like no other. </p> <p>Dedicated to delivering common sense solutions to families’ financial challenges, we focus on the underserved middle-market that has been neglected and often ignored by traditional financial services companies. While other companies focus on the affluent, Primerica’s mission is to help families become properly protected, debt free and financially independent. </p> <p>We have a unique business model: the interests of our clients, our representatives and the company are all in alignment. No decision is ever made without considering all three of these groups’ best interests. The end result? Trust. </p> <p>Trust is what our 30-year track record is built on. We’ve always done what’s right.<br /> </p> <h4>Primerica</h4> <ul> <li>More than 4.3 million lives insured through us</li> <li>More than 2 million clients maintain investment accounts with us</li> <li>More than 100,000 licensed representatives (2009)</li> <li>Placed in force more than $80 billion in life insurance in 2009</li> <li>An average of $2.5 million in benefit claims is paid every day</li> <li>Investment clients have more than $25 billion in asset values in their <br /> Primerica investment accounts (2009)</li> </ul> http://www.primerica.com/public/about-primerica.html Mon, 19 Apr 2010 18:31:07 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request About Primerica Primerica is a financial services company like no other. Dedicated to delivering common sense solutions to families’ financial challenges, we focus on the underserved middle-market that has been neglected and often ignored by traditional financial services companies. While other companies focus on the affluent, Primerica’s mission is to help families become properly protected, debt free and financially independent. We have a unique business model: the interests of our clients, our representatives and the company are all in alignment. No decision is ever made without considering all three of these groups’ best interests. The end result? Trust. Trust is what our 30-year track record is built on. We’ve always done what’s right. Primerica More than 4.3 million lives insured through us More than 2 million clients maintain investment accounts with us More than 100,000 licensed representatives (2009) Placed in force more than $80 billion in life insurance in 2009 An average of $2.5 million in benefit claims is paid every day Investment clients have more than $25 billion in asset values in their Primerica investment accounts (2009) Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/about-primerica.html.1271701799118.19 Change Your Life Change Your Life A historic shift is taking place in the business world today. More than ever, people are striking out on their own and starting their own businesses. The old idea of “9 to 5 until you’re 65” is out and a new age — the age of the entrepreneur — is dawning. At Primerica you can: Be your own boss Work on YOUR schedule Own your own business Earn unlimited income Best of all, you don’t have to quit your full-time job if you don’t want to. Our part-time option allows you to continue bringing home a steady paycheck while earning extra cash part-time. A Better Way to Do Business At Primerica, you’re in business FOR yourself but not BY yourself. Primerica provides all the support and training you need! Plus, you have the freedom and flexibility to build your business how you want it — when you want to. You can make a change in your own life while helping other people change their lives — what could be better than that? <img src="http://www.primerica.com/public/images/change-your-life.jpg" align="left"/> <h3>Change Your Life</h3> <p>A historic shift is taking place in the business world today. More than ever, people are striking out on their own and starting their own businesses. The old idea of “9 to 5 until you’re 65” is out and a new age — the age of the entrepreneur — is dawning.</p> <h4>At Primerica you can:</h4> <ul> <li>Be your own boss</li> <li>Work on YOUR schedule</li> <li>Own your own business</li> <li>Earn unlimited income</li> </ul> <p>Best of all, you don’t have to quit your full-time job if you don’t want to. Our part-time option allows you to continue bringing home a steady paycheck while earning extra cash part-time.</p> <h4>A Better Way to Do Business</h4> <p>At Primerica, you’re in business FOR yourself but not BY yourself. Primerica provides all the support and training you need! Plus, you have the freedom and flexibility to build your business how you want it — when you want to. You can make a change in your own life while helping other people change their lives — what could be better than that?</p> http://www.primerica.com/public/change-your-life.html Mon, 19 Apr 2010 18:31:07 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Our Opportunity Change Your Life A historic shift is taking place in the business world today. More than ever, people are striking out on their own and starting their own businesses. The old idea of “9 to 5 until you’re 65” is out and a new age — the age of the entrepreneur — is dawning. At Primerica you can: Be your own boss Work on YOUR schedule Own your own business Earn unlimited income Best of all, you don’t have to quit your full-time job if you don’t want to. Our part-time option allows you to continue bringing home a steady paycheck while earning extra cash part-time. A Better Way to Do Business At Primerica, you’re in business FOR yourself but not BY yourself. Primerica provides all the support and training you need! Plus, you have the freedom and flexibility to build your business how you want it — when you want to. You can make a change in your own life while helping other people change their lives — what could be better than that? Change Your Life Start A Business Real Life Success Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/change-your-life.html.1271701799118.18 Brandon & Lexee Neil Brandon & Lexee Neil St. George, UT Former Occupation: Collections "We'd only been married for a couple of months when a friend told us about Primerica," Brandon remembers. "We went to a business overview and we both felt that Primerica was right for us.” Before Primerica, Brandon and Lexee had no idea what they wanted to do with the rest of their working lives. At the time, they were newlyweds making $10 an hour each working in the bill collections department of a major credit card company. “Now we have direction and purpose,” Lexee says. “We help educate people about their finances and offer them solutions to help them get out of debt, protect their families with term life insurance coverage and save for the future. There’s not a day that goes by that we don’t feel rewarded in some form or another because we help families get back on financial track.” With Primerica, the Brandon and Lexee live a life of freedom. Plus, by helping others with their finances and by offering them the potential to start their own Primerica business, Brandon and Lexee are not just living a life they feel has purpose … they’re living the life of their dreams. <h3>Brandon &amp; Lexee Neil</h3> <p>St. George, UT<br /> Former Occupation: Collections</p> <p>&quot;We'd only been married for a couple of months when a friend told us about Primerica,&quot; Brandon remembers. &quot;We went to a business overview and we both felt that Primerica was right for us.”</p> <p>Before Primerica, Brandon and Lexee had no idea what they wanted to do with the rest of their working lives. At the time, they were newlyweds making $10 an hour each working in the bill collections department of a major credit card company. </p> <p>“Now we have direction and purpose,” Lexee says. “We help educate people about their finances and offer them solutions to help them get out of debt, protect their families with term life insurance coverage and save for the future. There’s not a day that goes by that we don’t feel rewarded in some form or another because we help families get back on financial track.”</p> <p>With Primerica, the Brandon and Lexee live a life of freedom. Plus, by helping others with their finances and by offering them the potential to start their own Primerica business, Brandon and Lexee are not just living a life they feel has purpose … they’re living the life of their dreams.</p> http://www.primerica.com/public/brandon-lexee-neil.html Mon, 19 Apr 2010 18:31:07 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request Brandon & Lexee Neil St. George, UT Former Occupation: Collections "We'd only been married for a couple of months when a friend told us about Primerica," Brandon remembers. "We went to a business overview and we both felt that Primerica was right for us.” Before Primerica, Brandon and Lexee had no idea what they wanted to do with the rest of their working lives. At the time, they were newlyweds making $10 an hour each working in the bill collections department of a major credit card company. “Now we have direction and purpose,” Lexee says. “We help educate people about their finances and offer them solutions to help them get out of debt, protect their families with term life insurance coverage and save for the future. There’s not a day that goes by that we don’t feel rewarded in some form or another because we help families get back on financial track.” With Primerica, the Brandon and Lexee live a life of freedom. Plus, by helping others with their finances and by offering them the potential to start their own Primerica business, Brandon and Lexee are not just living a life they feel has purpose … they’re living the life of their dreams. Change Your Life Start A Business Real Life Success Brandon & Lexee Neil Dave & Terry Francis Chris & Elizabeth Koob Ivan & Sharon Earle Jorge & Sandy Benitez Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/brandon-lexee-neil.html.1271701799118.17 Affiliations and Organizations Affiliations and Organizations Better Business Bureau Primerica is an accredited member of the Better Business Bureau (BBB). The BBB system is dedicated to fostering trust between businesses and consumers in both the traditional and online marketplace. The first BBB was founded in 1912. Today, the BBB system is comprised of 130 local Better Business Bureaus (BBBs) across the U.S. and Canada, and serves millions of consumers, nearly 400,000 small and medium business members, and several hundred national and multi-national corporations based in North America. The BBB system has grown to become the most trusted name and recognized advocate for promoting ethical business and advertising practices, providing more than 90 million instances of service to consumers and businesses in 2005. For more information, please visit www.bbb.org. A.M. Best Primerica Life’s, National Benefit Life’s and Primerica Life Insurance Co. of Canada’s financial strength is rated A+ (Superior) by A.M. Best, the oldest and most prominent rating agency in the industry.* *A.M. Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, BBB+, BBB, BBB-, BB+, BB, BB-, B+, B, B-, CCC+, CCC, CCC-, CC. Primerica’s term life insurance is underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State, Primerica Life Insurance Company, Home Office: Duluth, GA, in all other U. S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada. American Council of Life Insurers Primerica Life Insurance Co. is a member of the American Council of Life Insurers (ACLI). ACLI is a Washington, D.C.-based trade association whose 377 member companies account for 91 percent of the life insurance industry’s total assets in the United States, 90 percent of life insurance premiums and 95 percent of annuity considerations. For more information, please visit www.acli.com. Insurance Marketplace Standards Organization Primerica Life Insurance Co. is a member of the Insurance Marketplace Standards Association (IMSA). IMSA is a nonprofit, independent organization created to strengthen consumer trust and confidence in the marketplace for individually sold life insurance, long-term care insurance and annuities. Qualified companies commit to maintaining high ethical standards and to being fair, honest and open in the way they advertise, sell and service their products. For more information, please visit www.imsaethics.org. The Financial Industry Regulatory Authority The Financial Industry Regulatory Authority (FINRA), is the largest non-governmental regulator for all securities firms doing business in the United States. All told, FINRA oversees nearly 5,100 brokerage firms, about 173,000 branch offices and more than 665,000 registered securities representatives. Created in July 2007 through the consolidation of NASD and the member regulation, enforcement and arbitration functions of the New York Stock Exchange, FINRA is dedicated to investor protection and market integrity through effective and efficient regulation and complementary compliance and technology-based services. For more information, please visit www.finra.org. <img src="http://www.primerica.com/public/images/affiliations-organizations.jpg" align="left"/> <div id="left-content2"> <h3>Affiliations and Organizations</h3> <h4>Better Business Bureau </h4> <p>Primerica is an accredited member of the Better Business Bureau (BBB). The BBB system is dedicated to fostering trust between businesses and consumers in both the traditional and online marketplace. The first BBB was founded in 1912. Today, the BBB system is comprised of 130 local Better Business Bureaus (BBBs) across the U.S. and Canada, and serves millions of consumers, nearly 400,000 small and medium business members, and several hundred national and multi-national corporations based in North America. The BBB system has grown to become the most trusted name and recognized advocate for promoting ethical business and advertising practices, providing more than 90 million instances of service to consumers and businesses in 2005. </p> <p>For more information, please visit www.bbb.org.</p> <h4>A.M. Best</h4> <p>Primerica Life’s, National Benefit Life’s and Primerica Life Insurance Co. of Canada’s financial strength is rated A+ (Superior) by A.M. Best, the oldest and most prominent rating agency in the industry.* </p> <p class="footer">*A.M. Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, BBB+, BBB, BBB-, BB+, BB, BB-, B+, B, B-, CCC+, CCC, CCC-, CC. Primerica’s term life insurance is underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State, Primerica Life Insurance Company, Home Office: Duluth, GA, in all other U. S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada.</p> <h4>American Council of Life Insurers </h4> <p>Primerica Life Insurance Co. is a member of the American Council of Life Insurers (ACLI). ACLI is a Washington, D.C.-based trade association whose 377 member companies account for 91 percent of the life insurance industry’s total assets in the United States, 90 percent of life insurance premiums and 95 percent of annuity considerations.</p> <p> For more information, please visit www.acli.com. </p> <h4> Insurance Marketplace Standards Organization </h4> <p>Primerica Life Insurance Co. is a member of the Insurance Marketplace Standards Association (IMSA). IMSA is a nonprofit, independent organization created to strengthen consumer trust and confidence in the marketplace for individually sold life insurance, long-term care insurance and annuities. Qualified companies commit to maintaining high ethical standards and to being fair, honest and open in the way they advertise, sell and service their products. </p> <p>For more information, please visit www.imsaethics.org.</p> <h4>The Financial Industry Regulatory Authority </h4> <p>The Financial Industry Regulatory Authority (FINRA), is the largest non-governmental regulator for all securities firms doing business in the United States. All told, FINRA oversees nearly 5,100 brokerage firms, about 173,000 branch offices and more than 665,000 registered securities representatives. Created in July 2007 through the consolidation of NASD and the member regulation, enforcement and arbitration functions of the New York Stock Exchange, FINRA is dedicated to investor protection and market integrity through effective and efficient regulation and complementary compliance and technology-based services. </p> <p>For more information, please visit www.finra.org.</p> </div> http://www.primerica.com/public/affiliations-organizations.html Mon, 19 Apr 2010 18:31:07 GMT Primerica Change Country/Language U.S. (English) Canada (English) Canada (Français) Contact Register Client Login About Primerica Our Story Our Market, Our Edge Primerica Blog Primerica Newsroom What We Do How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Our Opportunity Change Your Life Start A Business Real Life Success Investor Relations Investor Overview Event Calendar Corporate Governance Board and Management Stock Information News Releases SEC Filings Information Request What We Do Affiliations and Organizations Better Business Bureau Primerica is an accredited member of the Better Business Bureau (BBB). The BBB system is dedicated to fostering trust between businesses and consumers in both the traditional and online marketplace. The first BBB was founded in 1912. Today, the BBB system is comprised of 130 local Better Business Bureaus (BBBs) across the U.S. and Canada, and serves millions of consumers, nearly 400,000 small and medium business members, and several hundred national and multi-national corporations based in North America. The BBB system has grown to become the most trusted name and recognized advocate for promoting ethical business and advertising practices, providing more than 90 million instances of service to consumers and businesses in 2005. For more information, please visit www.bbb.org. A.M. Best Primerica Life’s, National Benefit Life’s and Primerica Life Insurance Co. of Canada’s financial strength is rated A+ (Superior) by A.M. Best, the oldest and most prominent rating agency in the industry.* *A.M. Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, BBB+, BBB, BBB-, BB+, BB, BB-, B+, B, B-, CCC+, CCC, CCC-, CC. Primerica’s term life insurance is underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State, Primerica Life Insurance Company, Home Office: Duluth, GA, in all other U. S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada. American Council of Life Insurers Primerica Life Insurance Co. is a member of the American Council of Life Insurers (ACLI). ACLI is a Washington, D.C.-based trade association whose 377 member companies account for 91 percent of the life insurance industry’s total assets in the United States, 90 percent of life insurance premiums and 95 percent of annuity considerations. For more information, please visit www.acli.com. Insurance Marketplace Standards Organization Primerica Life Insurance Co. is a member of the Insurance Marketplace Standards Association (IMSA). IMSA is a nonprofit, independent organization created to strengthen consumer trust and confidence in the marketplace for individually sold life insurance, long-term care insurance and annuities. Qualified companies commit to maintaining high ethical standards and to being fair, honest and open in the way they advertise, sell and service their products. For more information, please visit www.imsaethics.org. The Financial Industry Regulatory Authority The Financial Industry Regulatory Authority (FINRA), is the largest non-governmental regulator for all securities firms doing business in the United States. All told, FINRA oversees nearly 5,100 brokerage firms, about 173,000 branch offices and more than 665,000 registered securities representatives. Created in July 2007 through the consolidation of NASD and the member regulation, enforcement and arbitration functions of the New York Stock Exchange, FINRA is dedicated to investor protection and market integrity through effective and efficient regulation and complementary compliance and technology-based services. For more information, please visit www.finra.org. How Money Works Financial Needs Analysis Our Products Affiliations and Organizations Download the Primerica Fact Sheet Primerica Privacy Important Disclosures Term and Conditions Contact Important Mutual Funds Disclosures Revenue Sharing Select Group of Funds www.primerica.com Our Web Sites Primerica Primerica Canada Primerica Investor Relations Primerica Online Primerica Business Opportunity Primerica Newsroom Primerica Financial Needs Analysis Primerica Latino Primerica AALC Generation Primerica Women In Primerica Primerica Financial Solutions My Primerica Invest with Primerica Primerica Shareholder Services Primerica Secure Primerica Blog Primerica Photos http://rsutil02.pfsfhq.com/share/projects/publicp/htdocs/affiliations-organizations.html.1271701799118.16