Note: Primerica representatives may provide products and services only to individuals in those jurisdictions where they are licensed or approved. Products and services listed on this website are for informational purposes only and should not be construed as a solicitation to sell or an offer of any Primerica’s products or services.
Primerica representatives are independent contractors. Representatives earn income through the sale of products and are not paid to recruit. 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.
If you decide to join Primerica, please know that there is a $99 Independent Business Application fee ($103.95 plus incl. taxes in Canada), which covers the cost of pre-licensing education and training, and the costs to obtain an insurance license. In addition, for a monthly fee representatives are able to access important business building tools through our company intranet website. In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation.
From January 1 through December 31, 2021, Primerica paid cash flow to its North American sales force at an average of $8,410, which includes commissions paid on all lines of business to life licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.
$49 IBA Fee ($51.45 incl. taxes in Canada): From time to time, programs will be run offering reduced IBA fees for new recruits. New recruits are those who have not been with Primerica in the last 9 months.
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: 6985 Financial Drive, Suite 400, Mississauga, ON L5N 0G3, Phone: 905-812-2900.
In the U.S., securities offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001, a broker-dealer and investment adviser registered with the Securities & Exchange Commission (SEC), a member of the Financial Regulatory Authority (FINRA) [www.finra.org] and a member of the Securities Investors Protection Corporation (SIPC) [www.sipc.com]. PFSI's advisory business is conducted under the name Primerica Advisors. Fixed indexed annuities are offered by Primerica Financial Services, LLC (PFS). PFSI, PFS and Primerica Inc. are affiliated companies.
In Canada, Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada. Mutual Funds are offered 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. Canadian Head Office Address: 6985 Financial Drive, Suite 400, Mississauga, Ontario L5N 0G3, Phone: 905-812-2900. Commissions, trailing commissions, management fees and expenses all may be associated with mutual funds and segregated funds. Please read the prospectus or information folder before investing. Mutual funds are not guaranteed. For segregated funds, other than the guaranteed maturity value and the guaranteed death benefit, the amounts you receive under your contract are not guaranteed. Mutual fund and segregated fund values change frequently, and past performance may not be repeated.
In the U.S., Primerica Secure™ is an insurance referral program in which representatives may refer individuals to Answer Financial® Inc. Not all insurance products and services are available in all states. Neither Primerica (Primerica Life Insurance Company, National Benefit Life Insurance Company, Primerica Financial Services Inc., Primerica Financial Services of N.Y. Inc. and Primerica Financial Services Insurance Marketing Inc., CA License #0612256), its representatives or its affiliates represent any of the insurers in the program.
Answer Financial® Inc. offers insurance products and services through its insurance agency licensed affiliate Insurance Answer Center, LLC (California License # 0B99714); in New York as Insurance Answer Center, LLC, an Insurance Agency; in Michigan as Insurance Answer Center, LLC, an Insurance Agency; and in Missouri as Answer Financial. Answer Financial affiliated agencies are not insurance companies, but act as agents for certain insurance companies. Answer Financial's affiliate Right Answer Insurance Agency, LLC (CA License #0H52358) operates as an insurance broker in California and an agent in all other states. Answer Financial is paid commissions and may receive other performance-based compensation for its services. The compensation received by Answer Financial and its employees may vary by insurance company. Rates are subject to change.
In Canada, Primerica Secure™ is available currently only in British Columbia, Alberta, Ontario, New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland and Labrador. Auto & Home insurance are available in Alberta, Ontario, New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland and Labrador. Property & Home insurance are available in BC. Auto & Home insurance is offered through a referral arrangement by contractual agreement between SurexDirect.com (SurexDirect.com Ltd. and SurexDirect.com (Ontario) Ltd.) and Primerica (Primerica Life Insurance Company of Canada and PFSL Investments Canada Ltd.). Auto & Home insurance is not directly offered by Primerica. Primerica rRepresentatives make Auto & Home insurance referrals to SurexDirect.com and shall not act in connection with, or recommend or provide advice about, any general insurance product offers or discounts. Primerica rRepresentatives receive referral fees paid by SurexDirect.com, which in no way affects insurance quotes or premiums paid by the customer. Primerica and its affiliates are not affiliated with SurexDirect.com.
Primerica Legal Protection Program is a legal services product of Pre-paid Legal Services, Inc. ("PPLSI") offered by Primerica Client Services, Inc. Neither Primerica Client Services, Inc., PPLSI, nor their officers, employees, sales representatives or associates provide legal services, representation or advice. PPLSI provides access to legal services offered by a network of provider law firms. Services and benefit availability may vary by state. See resident state plan for all terms and exclusions.
In Canada, the Pre-Paid Legal Services program is offered throughout Canada, except Quebec, by contractual referral agreement between Primerica Client Services Inc., PFSL Investments Canada Ltd., and PPL Legal Care of Canada Corporation dba LegalShield, a subsidiary of Pre-Paid Legal Services, Inc. In Quebec, similar legal services are provided pursuant to a contract with NextGen CC&C Avocats Inc., a Quebec law firm. LegalShield provides access to legal services offered by a network of provider law firms through membership-based participation. Neither Primerica Client Services Inc., PFSL Investments Canada Ltd., LegalShield nor its officers, employees or associates directly or indirectly provide legal services, representation or advice. Services and benefit availability may vary by province/territory. See specific plan details for your province/territory for benefits, provisions, limitations, and exclusions. LegalShield is not affiliated with Primerica. Clients should contact LegalShield for questions regarding any legal services.
In the U.S., IDTheftDefense℠ is offered by contractual agreement between Primerica Client Services, Inc. and Pre-paid Legal Services, Inc. ("PPLSI"). ID Theft Defense is a product of PPLSI and provides access to identity theft protection and restoration services. Neither PPLSI nor its officers, employees, or sales associates directly or indirectly provide identity theft protection, restoration services, or advice.
In Canada, ID Theft Defense is offered by contractual referral agreement between Primerica Client Services Inc., PFSL Investments Canada Ltd. and PPL Legal Care of Canada Corporation dba LegalShield, a subsidiary of Pre-Paid Legal Services, Inc. ID Theft Defense is a product of LegalShield and provides access to identity theft protection and restoration services. Neither Primerica Client Services Inc., PFSL Investments Canada Ltd. nor their officers, employees or sales representatives directly or indirectly provide identity theft protection, restoration services or advice. LegalShield provides access to identity theft protection and restoration services. See an ID Theft Defense services plan for complete terms, coverage, conditions, and limitations. Services and benefit availability may vary by province/territory. ID Theft Defense is available throughout Canada, except Quebec.
Home automation and security services offered by Vivint, Inc. in the United States and Canada. Under a referral program, Primerica representatives may refer individuals to Vivint.
Renters must have verbal permission to install a Vivint system from the landlord or property manager. Vivint or certain product features or services may not be available in all states or provinces. Visit https://www.vivint.com/company/service-areas/usa to determine if Vivint is available in your area. For a complete list of all Vivint licenses visit https://www.vivint.com/company/licenses.
For the official Medicare government site, please see www.medicare.gov.
Primerica Senior Health is an insurance customer referral program in which Primerica representatives may introduce individuals to e-TeleQuote Insurance, Inc. ("e-TeleQuote"), an affiliate of Primerica, Inc. e-TeleQuote does business as easyMedicare® in all states other than California, Florida, and New Mexico. Primerica representatives and the Primerica Senior Health referral program do not represent e-TeleQuote or any of the insurers that e-TeleQuote represents. Each product may be applied for and purchased separately from e-TeleQuote. Not all health plans are available through e-TeleQuote in all states. Nothing contained herein, and no referral made by using the Primerica Senior Health referral program is intended to be, and shall not be construed as, marketing or solicitation by Primerica or its representatives for the purchase of or sale to, any individual referred to e-TeleQuote of any health plan.
e-TeleQuote is a duly licensed insurance agency appointed by Medicare Advantage HMO, PPO and PFFS plans and stand-alone prescription drug plans and insurance companies holding Medicare contracts approved by The Centers for Medicare & Medicaid Services (CMS). e-TeleQuote is not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Enrollment in any plan for coverage is subject to insurance company approval. e-TeleQuote sales agents/producers may be compensated based on your enrollment in a health plan. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. e-TeleQuote complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.