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 5.5 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 2.6 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.
  • 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 $509 annually.2
  • Pre-Paid Legal

    The Primerica Legal Protection Program, offered through Pre-Paid Legal Services, Inc. dba LegalShield ("LegalShield"), 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 LegalShield, helps protect your identity, provides counseling and works to restore your identity should an identity theft event occur.

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.

What Can Primerica Do for Me?

Find out how your Primerica Representative can help you protect your family and get on track for your financial goals.



1 Numbers reflect the combined totals or daily average, as indicated above, as of, or for the year ended, December 31, 2020, 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. 2020 U.S. and Canadian face amount sales. Sources: SNL Financial and OFSLI Data. 2020 exchange rate: C$/US$: 0.74725. Investments: In the United States, securities are offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001; In Canada, mutual funds are offered by PFSL Investments Canada Ltd., mutual fund dealer, and segregated funds are offered by Primerica Life Insurance Company of Canada, Head Office: Mississauga, ON. Each company is responsible for its own financial obligations.

2 Average annual insurance savings of $509 are the results of a national survey of new Answer Financial customers reporting insurance savings in 2020.

3 See plan for your state for details.

4 Insurance Information Institute, www.iii.org, "Facts + Statistics: Identity Theft and Cybercrime," viewed June 4, 2020.