What Kind of a Company Is Primerica?

Primerica is a financial services company serving the middle-income market in the U.S., Canada, Puerto Rico and Guam. In 1977, we pioneered the “Buy Term and Invest the Difference” philosophy which solves two of the biggest financial needs nearly every family faces – income protection with term life insurance and saving for the future with a sound investments strategy.

Primerica uses our complimentary, confidential, and customized Financial Needs Analysis (FNA) to help clients understand where they are financially and to map out a program to achieve their goals!

What Financial Solutions Does Primerica Offer?

Primerica only offers solutions we believe will help solve our clients’ most important financial needs, at competitive prices, including:

  • Term Life Insurance

     Since the beginning, Primerica has only offered term life insurance because we believe – and many experts agree – that term offers the most income protection at an affordable price. We are the second largest issuer of term life insurance coverage in North America, insuring over 5.7 million people through our life companies.1

  • Investments

     For as little as $25 per month, you can start saving for the future. Investment opportunities include mutual funds, managed investments, annuities, business retirement plans, and education savings plans. Primerica has approximately 2.8 million client investment accounts.1 Not all products/services available in all states or provinces. A representative's ability to market products is subject to state and federal licensing and/or certification requirements.

  • MORTGAGE

     In partnership with Rocket Mortgage, LLC, Primerica Mortgage, LLC offers competitive mortgage products, industry-leading turn times, and easy-to-use technology.

  • Auto & Home

     Through Primerica Secure™’ – an auto and homeowner’s insurance referral program with Answer Financial® Inc., – our clients get competitive quotes from top-rated insurers in 10 minutes or less. Answer Financial clients report saving average of $557 annually.2 Small business insurance options now available!

  • Pre-Paid Legal

     The Primerica Legal Protection Program, offered through Pre-Paid Legal Services, Inc., connects clients with a qualified Provider Law Firm in their state who provides support and services for legal needs, including will preparation.3

  • Identity Theft

     Millions of people experience identity fraud each year.4 IDTheftDefenseSM, offered by Pre-Paid Legal Services, Inc., helps protect your identity, provides counseling and works to restore your identity should an identity theft event occur.

  • VIVINT HOME AUTOMATION

     Primerica and Vivint work together to give our clients more protection and peace of mind than ever before. Vivint is one of the largest security and smart home companies in North America.

Who Is Primerica?

Back in 1977, Primerica’s founders recognized the pressing need for their friends, family and community members to have access to financial education and the right financial solutions that could help them live better lives and prepare for the future. Their middle–income market was – and still is – largely underserved by the financial services industry in favor of higher income clients. Freedom for Families was the goal because the basic HOW MONEY WORKS™ principles, which empower people to ask the right questions or make better decisions still aren’t often taught in schools.

Primerica teaches working families simple money management concepts.
High Cost of Waiting

High Cost of Waiting

Starting a savings strategy early can help you avoid the High Cost of Waiting.
Pay Yourself First

Pay Yourself First

Use time and consistency to stay on track for your financial goals when you Pay Yourself First.
Theory of Decreasing Responsibilty

Theory of Decreasing Responsibilty

A simple way to determine the amount of life insurance your family needs is to consider The Theory of Decreasing Responsibility.
The Rule of 72

The Rule of 72

Make the power of compound interest work for you with The Rule of 72.
The Power of Compound Interest

The Power of Compound Interest

Put your money to work for you and watch it grow with The Power of Compound Interest.
Debt Stacking

Debt Stacking

Strategically pay down debt through Debt Stacking to maximize your money.

 

1 Numbers reflect the combined totals or daily average, as indicated above, as of, or for the year ended, December 31, 2022, for the following affiliated companies: Life Insurance: National Benefit Life Insurance Company (Home Office: Long Island City, NY) in New York; Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada (Head Office: Mississauga, ON) in Canada. 2022 U.S. and Canadian face amount sales. Investments: In the United States, securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org]. PFS Investments Inc. conducts its advisory business under the name Primerica Advisors.

2 Average annual insurance savings of $557 are the results of a national survey of new Answer Financial customers reporting insurance savings in 2022.

3 See plan for your state for details.

4 Insurance Information Institute, www.iii.org, "Facts + Statistics: Identity Theft and Cybercrime," March 2, 2022