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, 2023, Primerica paid our life-licensed sales force members an average of $7,118, reflected in local currency, unadjusted for exchange rates. Representatives typically pay an initial fee of $99 USD to provide for training and licensing and also may incur ongoing personal expenses to conduct business. Our representatives earn varying levels of income and the cash flow shown reflects an extraordinary level of success that is not typical of the sales force.

Clients of Primerica are clients of Primerica, Inc. and its affiliated entities.

Primerica and representatives of Primerica do not act as an intermediary between you and your creditors, and do not imply, promote or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by use of this tool. Neither Primerica nor its representatives are certified or registered financial planners or tax advisors and do not offer or provide services such as credit repair or improvement, budget planning, debt or credit counseling, debt management or settlement, or other similar services.

$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.

Waived IBA Fee for Life-licensed Agents: To qualify for this program, currently life-licensed agents must be new recruits. New recruits are those who have not been with Primerica for at least nine months. The IBA fee waiver also applies to recruits if their life license can be reinstated without rewriting the exam and aII required documents are provided to Primerica to reinstate their license. Currently life-licensed recruits may continue to receive renewal commissions but cannot market/solicit/service clients of non-Primerica products.

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.

Term insurance provides a death benefit only and its premiums increase after initial premium periods and at certain ages. Cash value insurance typically has a higher initial premium and includes an investment component. Cash value life insurance can be universal life, indexed universal life, whole life, etc., and may contain features in addition to death protection, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Cash value insurance usually has level premiums for the life of the policy.

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 LLC, 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, Saskatchewan, Manitoba, 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, SK and MB. 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 representatives 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 representatives 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, Pre-Paid Legal Services are offered by contractual referral agreement between Primerica Client Services Inc., PFSL Investments Canada Ltd., and PPL Legal Care of Canada Corporation. Pre-Paid Legal Services are available in Ontario, Alberta, British Columbia, Manitoba and Saskatchewan. PPL Legal Care of Canada Corporation 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., PPL Legal Care of Canada Corporation nor their officers, employees or associates directly or indirectly provide legal services, representation or advice. Services and benefit availability may vary by province. See specific plan details for your province for benefits, provisions, limitations, and exclusions. PPL Legal Care of Canada Corporation is not affiliated with Primerica. Clients should contact PPL Legal Care of Canada Corporation for questions regarding any legal services.

In the U.S., IDTheftDefense® ("IDTD") identity theft protection and restoration services are offered by contractual agreement between Primerica Client Services, Inc. and Pre-Paid Legal Services, Inc. ("PPLSI"). Neither Primerica Client Services, Inc., nor its officers, employees, or sales representatives directly or indirectly provide identity theft protection, restoration services or advice. All Licensed Private Investigators are licensed in the state of Oklahoma. An Identity Fraud Protection Plan ("Plan") is issued through a nationally recognized carrier. PPLSI/IDTD is not an insurance carrier. This covers certain identity fraud expenses and legal costs as a result of a covered identity fraud event. IDTheftDefense identity theft protection and restoration services or certain product features or services may not be available in all U.S. States. See a Plan for complete terms, coverage, conditions, limitations, and family members who are eligible under the Plan.

In Canada, IDTheftDefense™ identity theft protection and restoration services are offered by Pre-Paid Legal Services, Inc., through contractual referral agreement between Primerica Client Services Inc. and PFSL Investments Canada Ltd. (collectively "Primerica"), and PPL Legal Care of Canada Corporation dba PPLSI, a subsidiary of Pre-Paid Legal Services, Inc. IDTheftDefense™ services are available across Canada except in Quebec. Primerica Representatives are independent contractors of Primerica, are not agents of PPLSI, and can only make referrals to PPLSI. Neither Primerica nor their officers, employees or sales representatives directly or indirectly provide identity theft protection, restoration services or advice.

The products and services offered by the companies noted above may not be available in your province or territory. The products and services your Primerica Representative may be able to offer also may be limited. IDTheftDefense™ plans are available at individual or family rates. See an IDTheftDefense™ plan for complete terms, coverage, conditions, availability, and limitations. Please consult your local Primerica office or your Primerica Representative for a listing of products and services available. IDTheftDefense™ is a trademark of Pre-Paid Legal Services, Inc., registered in the U.S. and is a trademark in Canada.

In Canada, Primerica does not deal in mortgages or debt consolidation lending. Primerica representatives make simple referrals to 8Twelve Mortgage Corp. and Rocket Mortgage Canada ULC for mortgages and debt consolidation loans secured by residential real estate. The simple referrals made by the Representatives take place pursuant to agreements between Primerica Life Insurance Company of Canada, PFSL Investments Canada Ltd., and the aforementioned approved third party mortgage loan providers. Not all products/services are available in all provinces/territories. Clients should contact the approved third party mortgage loan providers for questions regarding mortgage products. Representatives are prohibited from holding themselves out as mortgage brokers, or soliciting and giving advice on mortgages for the purposes of Primerica's mortgage loan referral programs. A representative's ability to market products from the companies listed is subjected to provincial or territorial licencing and/or certification requirements. Please consult your local Primerica office or your Primerica Representative for further details regarding Primerica's mortgage loan referral programs.

Home automation and security services offered by Vivint, Inc. in the United States. 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. Call 877-571-6139 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. Representatives may make referrals solely in their capacity as Primerica representatives. Primerica representatives who work in healthcare may not, in their capacity or setting as a healthcare professional, refer patients, healthcare clients or any others.

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. e-TeleQuote does not offer every plan available in a client's area. Any information provided is limited to those plans offered in client's area, as applicable. Clients may contact Medicare.gov or 1-800-MEDICARE to get information on all options. 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.

The Financial Needs Analysis ("FNA") is designed to assist you in identifying your financial needs and goals so that you can make better informed decisions in managing your money. An FNA is developed based on information you provide, as summarized on data input pages, and on certain generally accepted assumptions and reasonable estimates. It is provided to you as a complimentary, no-obligation service by Primerica. The FNA is not a financial plan. The FNA should be construed as a guide for you to use in deciding how best to attain your financial goals. Representatives are compensated through commissions or referral fees on the sale of financial products offered by the financial product companies they represent. Representatives are not financial planners, investment advisors, financial consultants or other specialists who provide financial advice and whose compensation may be unrelated to sales.

The information contained herein is for information purposes only. The Household Budget Index™ (HBI™) is derived from data believed to be reliable, but we cannot warrant its accuracy or completeness. Such information is subject to change and is not intended to influence investment decisions nor constitute investment advice. PRIMERICA and the Primerica Logo are trademarks of Primerica, Inc., registered in the U.S. and Canada. Household Budget Index™, HBI™ and the HBI Logo are trademarks of Primerica, Inc. All rights are reserved.

Third party links posted to Primerica's social channels, or shared to its representatives' accounts, are provided for educational purposes only and should not be construed as a solicitation, investment advice, or a recommendation. Third party content may contain information that is of interest or of use to the reader only. It has not been independently reviewed by Primerica for completeness or accuracy. Primerica does not explicitly or implicitly endorse this content and it does not necessarily reflect the views of the Company.

Linked materials may lead to a website operated by an entity not affiliated with Primerica (a "Third-Party Site"). Primerica is not responsible or liable for any damage, loss or breach of personal information security caused by your use of the Third-Party Site. All concerns, issues or questions regarding the usability or functionality of the Third-Party Site should be directed directly to the Third-Party Site operators.

Retweets and Quote Tweets from Primerica's Twitter account are not endorsements.