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Primerica

Picture of Ray Charles Binkley
Ray Charles Binkley
Senior National Sales Director
OFFICE INFORMATION
1800 Sutter St
Suite 500
Concord, CA 94520
Email Us
MY SERVICES*
California, Alaska, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Kansas ...
California, Arizona, Colorado, District Of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas ...
*Not available in all states/provinces
ABOUT ME
Joined Primerica: 1982
PFS Investments Inc. Registered Representative:
Ray C Binkley FINRA's BrokerCheck
Life Insurance Representative (US)
WHAT WE DO AND WHY
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In 1977, we were founded on a simple idea: Just do what's right. That concept remains at the heart of everything we do for Main Street families every day.
Through our HOW MONEY WORKSTM financial education guide, we teach people the basics of personal finance because we believe a solid foundation is the key to making healthy money choices. We pioneered the "Buy Term and Invest the Difference" philosophy - a crusade which revolutionized the life insurance industry and the investment business. And from the beginning, we have only offered term life insurance as part of our commitment to only market products that are right for the consumer, a philosophy we still apply to our solutions today.

HOW MONEY WORKSTM financial education guide

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 the concepts in our HOW MONEY WORKSTM financial education guide.


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Video of The High Cost of Waiting
The High Cost of Waiting (1:02)
Video of Pay Yourself First
Pay Yourself First (1:05)
Video of The Theory of Decreasing Responsibility
The Theory of Decreasing Responsibility (0:54)
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The Rule of 72 (0:38)
Video of The Power of Compound Interest
The Power of Compound Interest (0:51)
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Debt Stacking (0:59)

CA Life License: # 0A57999

Note: This website is for informational purposes only and should not be construed as a solicitation to sell or an offer of any of Primerica's products or services.

Primerica Representatives are independent contractors. Representatives are not licensed to sell all products in all states/provinces. Representatives may provide products and services only to individuals in those jurisdictions where they are licensed or approved. For more information, see Primerica's Important Disclosures.

Life-licensed Primerica representatives are agents of certain affiliated Primerica Companies. In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York. In the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia. In Canada, term life insurance products and Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario.

In the U.S., securities are offered exclusively by PFS Investments Inc. In Canada, mutual funds are offered exclusively by PFSL Investments Canada Ltd, mutual fund dealer. Representatives not licensed with these entities cannot sell to you, or discuss with you, any securities or investment products. Primerica Home Office Address: 1 Primerica Parkway, Duluth, GA 30099. Canadian Head Office Address: 6985 Financial Drive, Suite 400, Mississauga, Ontario L5N 0G3.

Advisory services offered through Primerica Advisors, which is the trade name under which PFS Investments Inc. conducts its investment advisory business.