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Michael Freda
Regional Vice-President
Company Registered Name:
Michael Thomas Freda
MY SERVICES*
Florida, North Carolina, New Jersey, New York, Pennsylvania and Virginia
Virginia, Arizona, Florida, North Carolina, New Jersey, New York and Pennsylvania
MICHAEL THOMAS FREDA
NMLS ID #:
50956
VA License#: MLO-68141VA
Mortgage Branch Office:
1769 JAMESTOWN RD
STE 115
WILLIAMSBURG, VA 23185
Please see important disclosure below
*Not available in all states/provinces
ABOUT ME
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 materials, 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
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.
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The High Cost of Waiting (1:25)
Pay Yourself First (1:25)
Theory of Decreasing Responsibility (1:03)
The Power of Compound Interest (1:18)
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.
Mortgage Loans - Important Disclosures
Primerica Mortgage, LLC, NMLS ID # 1723477 (https://nmlsconsumeraccess.org). EQUAL HOUSING OPPORTUNITY. Primerica Mortgage, LLC is a state licensed Mortgage Broker, with its headquarters office located at 1 Primerica Parkway, Duluth, GA 30099-0001. Phone Number: 1-855-357-1054. Mortgage products are offered through a contractual agreement between Primerica Mortgage, LLC and a third-party lender.; This is not a commitment to lend or extend credit. All loans, credit, and collateral are subject to underwriting and approval by the lender. Terms, rates, data, programs, information, and conditions are subject to change without notice. Not all loan products are available in all states. Specific program restrictions may apply so please consult your Mortgage Loan Originator (MLO) for complete details. Your MLO may only originate mortgage loans on real property that is located in a state where both Primerica Mortgage, LLC and the MLO are licensed to transact mortgage business. While refinancing your existing loan may reduce your monthly payment, your total finance charges may be higher over the life of the loan. Primerica Mortgage, LLC is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. For additional disclosures and a complete list of states where residential mortgage loans are offered, please visit https://bit.ly/PriMortgage.
Virginia: Primerica Mortgage, LLC. Virginia Broker License # MC-7185, NMLS ID # 1723477 (https://nmlsconsumeraccess.org).
Advisory services offered through Primerica Advisors, which is the trade name under which PFS Investments Inc. conducts its investment advisory business.