Primerica is the trade name of Primerica Financial Services, Inc. (United States) and of Primerica Financial Services Ltd. (Canada) and PFSL Investments Canada Ltd.
The Business Opportunity
The Primerica business opportunity involves the sale of term life insurance and other financial services products such as mutual funds, variable annuities and debt consolidation loans. Primerica representatives are independent contractors, not employees of Primerica or any of its affiliates.
Personal Income
Any cash flows or success stories stated are not intended to demonstrate the earnings or success levels of typical RVPs/representatives. Rather, they reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow or success level. Most RVPs/representatives do not achieve the cash flow or success levels illustrated. In the 12‑month period ending in December 2007, Primerica’s sales force consisted of approximately 100,000 life‑licensed representatives, to whom the Company paid a total of $682,000,000 in compensation, an average of $6,820 per licensed representative. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.
Independent Business Application Inquiries
For new members of the Primerica sales force who have inquiries concerning Independent Business Application (IBA) fees, please refer to the Basic Agreement pages in your IBA.
For additional IBA fee inquiries, send email to:
For inquiries regarding Primerica Online fees, send email to:
Recruiting Inquiries
For those individuals with inquiries pertaining only to recruiting contacts by a Primerica representative, send email to: us_marketingadvisory@primerica.com
Insurance
Life- licensed Primerica representatives are agents of certain affiliated Primerica Companies, which include:
- In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: New York, 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 segregated funds are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario.
Appropriately licensed Primerica representatives may also offer products or services of non-affiliated Primerica Companies, which include:
Primerica Secure, a personal lines insurance referral program in which representatives may refer individuals to Answer Financial Inc. which offers insurance products and services through its licensed affiliates. Not all insurance products and services are available in all states. Primerica, its representatives and the Secure Program™ do not represent any of the insurers in the program. Primerica, its affiliates and representatives offer other products and services. For more information, please see www.PrimericaSecure.com.
Primerica Legal Protection Program, a legal services contract from PrePaid Legal Services, Inc.
Long-term care insurance from Genworth Financial's Long Term Care Insurance division, which includes Genworth Life Insurance Company, and in New York, Genworth Life Insurance Company of New York.
The products and services offered by the companies noted above may not be available in your jurisdiction, state or province. The products and services your Primerica representative may be able to offer also may be limited. Available products may be applied for and purchased separately. Please consult your local Primerica office or your Primerica representative for a listing of products and services available.
Financial Needs Analysis
The Financial Needs Analysis (FNA) is designed to assist in identifying financial needs and goals to make better informed decisions in managing 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 as a complimentary, no-obligation service by Primerica. The Financial Needs Analysis is not a financial plan. The FNA should be construed as a guide to use in deciding how best to attain 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.Securities
- In the United States, securities are offered by PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001.
- In Canada, representatives may be sponsored for mutual funds by PFSL Investments Canada Ltd., Head Office: Mississauga, Ontario.
- Variable annuities are offered from MetLife Life and Annuity Company of Connecticut.
Continuity of Business
PFS Investments Inc. (“PFSI”) has developed a Continuity of Business Plan that addresses the possibility of a future emergency or significant business disruption. If such an event were to affect PFSI’s Duluth, Georgia headquarters, customers could continue to access their funds by contacting the following companies, depending upon the type of investments the customer owns.
- For customers with Legg Mason, Van Kampen, Invesco Aim, and Pioneer mutual fund investments Primerica Shareholder Services via telephone at (800) 544-5445; via the internet at www.portfolio.primerica.com or www.primerica.com; via regular mail to P.O. Box 9662, Providence, RI 02940-9662; via express mail to 100 Freight St., Commerce Park, Pawtucket, RI 02860-2348; or through their local PFSI representative.
- For customers with mutual fund investments in mutual fund companies other than Legg Mason, Van Kampen, Invesco Aim, and Pioneer Customers could continue to access their funds by communicating directly with the mutual fund company using the contact information found in transaction confirmations and customer statements, or through their local PFSI representative.
- For customers with MetLife variable annuity products
MetLife Life and Annuity Company of Connecticut via telephone at (888) 556- 5412; via internet at www.metlife.com/mlic; via mail at P.O. Box 990011, Hartford, CT 06199 for PrimElite I or PrimElite II account holders or P.O. Box 10426, Des Moines, IA 50306 for PrimElite III, PrimElite IV or Protected Equity Portfolio account holders; or through their local PFSI representative.
- For customers with Scholars Choice 529 Plans Scholars Choice via telephone at (888) 572-4652; via the internet at www.scholars-choice.com; via mail at P.O. Box 8566, Boston, MA 02266; or through their local PFSI representative.
- For customers with Higher Education 529 Plans through Van Kampen Van Kampen Investments at (800) 826-5267; via the Internet at www.vankampen.com; via mail at P.O. Box 8138, Boston, MA 02266; or through their local PFSI representative.
- For customers with Columbia Management 529 Plans Columbia Management via telephone at (800) 774-2108; via the internet at www.ny529advisor.com; via mail at New York's 529, College Savings Program, P.O. Box 10021-0036, New York, NY 10021-0036; or through their local PFSI representative.
Loans
- In the United States, loan products are originated through Primerica Financial Services Home Mortgages, Inc., Primerica Financial Services Home Mortgages Limited Partnership of Arizona, and Primerica Financial Services Home Mortgages Limited Partnership of Ohio, EQUAL HOUSING OPPORTUNITY.
- In Canada, representatives do not offer mortgage broker services, but may refer clients to CitiFinancial Canada, Inc. for debt consolidation loans.
$.M.A.R.T. Loan®
Arizona: Loans solicited by Limited Partners in Primerica Financial Services Home Mortgages Limited Partnership of Arizona (Primerica Financial Services Home Mortgages, Inc., General Partner. 6135 North 7th Street, Suite 201, Phoenix, AZ 85014. Mortgage Banker License No. BK 15594). Loans originated by Citicorp Trust Bank, fsb. California: Primerica Financial Services Home Mortgages, Inc. Loans arranged pursuant to a Department of Corporations, California Finance Lenders License. Colorado: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), License status: Exempt, 3100 Breckinridge Blvd., Duluth, GA 30099, (770) 381-1000. Connecticut: Primerica Financial Services Home Mortgages, Inc., MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Delaware: Primerica Financial Services Home Mortgages, Inc., (PFSHMI): A Delaware Licensed Mortgage Loan Broker. Florida: Licensed Florida Mortgage Broker/Representing: Primerica Financial Services Home Mortgages, Inc., Licensed Mortgage Brokerage Business. Georgia: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3100 Breckinridge Blvd., Duluth, GA 30099: A Georgia Residential Mortgage Licensee, License #6078. Illinois: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3100 Breckinridge Blvd., Duluth, GA 30099: Illinois Residential Mortgage Licensee. Citicorp Trust Bank, fsb, the lender, would provide the funds for these loans. Citicorp Trust Bank, fsb, not PFSHMI, is the entity which affects the availability of funds. Interest rates or charges for loans are in no way recommended, approved, set or established by the State of Illinois. Kansas: Kansas Licensed Mortgage Company. Primerica Financial Services Home Mortgages, Inc. 3100 Breckinridge Blvd., Duluth, GA 30099. License No. MC.0002382. Kentucky: Representing Primerica Financial Services Home Mortgages, Inc., 3100 Breckinridge Blvd, Duluth, Georgia 30099. EQUAL HOUSING OPPORTUNITY. Maine: Primerica Financial Services Home Mortgages, Inc., Loan Broker License #CSO07173. Massachusetts: Primerica Financial Services Home Mortgages, Inc., Massachusetts Mortgage Broker License Number MB 0056. Minnesota: Representing: Primerica Financial Services Home Mortgages, Inc., Minnesota Residential Mortgage Originator. Missouri: Primerica Financial Services Home Mortgages, Inc. (PFSHMI): A Residential Mortgage Licensee. Montana: Primerica Financial Services Home Mortgages, Inc., 3100 Breckinridge Blvd., Duluth, GA 30099, license number 000381. Nebraska: Primerica Financial Services Home Mortgages, Inc. (PFSHMI): Licensed as a Mortgage Banker. Nevada: Primerica Financial Services Home Mortgages, Inc., 9055 West Post Road, Las Vegas, NV 89148; 702-870-3200. New Hampshire: Licensed by the New Hampshire Banking Department. New Hampshire Mortgage Broker License Number 5367-MBR. New Jersey: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3100 Breckinridge Blvd., Duluth, GA 30099-0001, (770) 381-1000: Licensee, New Jersey Licensed Lenders Act, Licensed Mortgage Banker, Licensed by the New Jersey Department of Banking and Insurance (Certain Locations). PFSHMI does not make any mortgage loan commitments or fund any mortgage loans. PFSHMI arranges loans with 3rd party providers. (1st/2nd) Citicorp Trust Bank, fsb, the lender, would provide the funds for these FIRST OR SECONDARY MORTGAGE LOANS. New York: Representing Primerica Financial Services Home Mortgages, Inc. New York State Banking Department, 3rd Party Mortgages arranged, Registered Mortgage Broker. North Carolina: Loans solicited by Representatives of Primerica Financial Services Home Mortgages, Inc. Oregon: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), License Number: ML-131. Pennsylvania: PFSHMI - Licensed by the Pennsylvania Department of Banking as a Partially Exempt First Mortgage Broker. Licensed as a Secondary Mortgage Loan Broker. Rhode Island: PFSHMI: A Rhode Island loan broker licensee. Texas: Primerica Financial Services Home Mortgages, Inc., Financial Services Company #71355, 3100 Breckinridge Blvd., Duluth, Georgia 30099-0001, 770-381-1000. Virginia: Primerica Financial Services Home Mortgages, Inc., Licensed as a Mortgage Broker by the Virginia State Corporation Commission, License #MC-368. Washington: Washington Mortgage Broker Practices Act Licensee. This document is not intended as an offer to extend credit nor a commitment to lend. The loan interest rates, fees, and terms presented herein are for illustrative purposes only and may not be currently available. This document has been prepared to assist real estate professionals in illustrating some of the financing options available to consumers.
Lender and Primerica Financial Services Home Mortgages, Inc. are affiliated companies of Citigroup. Loans secured by residential real estate. EQUAL HOUSING OPPORTUNITY.G.O.O.D. Loan™
California: Primerica Financial Services Home Mortgages, Inc. Loans arranged pursuant to a Department of Corporations, California Finance Lenders License. Maine: Primerica Financial Services Home Mortgages, Inc., Loan Broker License #CSO07173. New Jersey: Primerica Financial Services Home Mortgages, Inc. Consumer Loan License #8800285, Broker Only. Rhode Island: Primerica Financial Services Home Mortgages, Inc.: A Rhode Island Loan Broker Licensee.Lenders, Citibank, N.A. and Citicorp Trust Bank, fsb are affiliates of Primerica Financial Services Home Mortgages, Inc. Loans are made by Citibank, N.A., except in California where loans are made by Citicorp Trust Bank, fsb, a California Finance Lender Licensee. Contact local Primerica representatives for availability.
Contact Us
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Independent Contractor Disclaimer
Primerica representatives are independent contractors and not employees of Primerica Financial Services Ltd. or any other Primerica Company. The opinions expressed by the independent contractors or other individuals in this recording are not necessarily the opinions of Primerica.
Cash Flow Disclaimer
Primerica has more than 100,000 Representatives. The cash flows stated are not intended to demonstrate earnings of typical RVPs/Representatives. Rather, the cash flows that have been citedreflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/Representatives do not achieve the level illustrated. Of course, actual gross cash flow is, among other factors, dependent upon actual organization size, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Commissions are subject to deferred compensation account withholding and applicable taxes. RVPs are responsible for their own business expenses and pay for all office expenses for their base shop representatives. The Company may from time to time modify supplement or terminate any compensation program in any manner. Further details are available from Primerica Financial Services, Inc.
Telephone Soliciting Policy Disclaimer
All Representatives must comply with Primerica’s “No Call” and in Canada “Telephone Solicitation” Policies when using the telephone to recruit or prospect.
Part-time Disclaimer
In Canada, Part-Time is not available in all jurisdictions. Where it is available, it is subject to certain restrictions.
$MART Disclaimer
In Canada, Primerica does not deal in mortgages. Representatives refer clients for $MART loans to Citicorp Home Mortgage, a division of CitiFinancial Canada Inc. Loans secured by residential real estate.
Jurisdiction Disclaimer
All Products not available in all jurisdictions
IBA Fee Disclaimer
In Canada, the IBA fee is $103.95 (includes GST) and the monthly Primerica Online fee is $28.00.
PPL
The Pre-Paid Legal Services program is offered through PPL Legal Care of Canada Corporation® (PPL). PPL is a company at arms-length from Primerica Financial Services Ltd. (PFS). PFS has no liability for the Pre-Paid Legal Services program. Pre-Paid Legal is only available in British Colombia, Alberta, Manitoba and Ontario.
Common Sense Funds
Commissions, trailing commissions, management fees and expenses all may be associated with fund investments. Mutual funds, please read the prospectus before investing. Segregated funds (Individual Variable Insurance Contracts), please read
the Information Folder before investing. Funds are not guaranteed, their values change frequently and past performance may not be repeated. A DESCRIPTION OF THE KEY FEATURES OF THE INDIVIDUAL VARIABLE INSURANCE CONTRACT IS
CONTAINED IN THE PRIMERICA COMMON SENSE FUND INFORMATION FOLDER. * SUBJECT TO ANY APPLICABLE DEATH AND MATURITY GUARANTEE, ANY PART OF THE PREMIUM OR THE AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE ACCORDING TO THE FLUCTUATIONS IN THE MARKET VALUE OF THE ASSETS OF THE SEGREGATED FUND.
Life Insurance
Life insurance is offered through Primerica Life Insurance Company of
Canada.
Mutual Funds
Primerica representatives offer mutual funds through PFSL Investments Canada Ltd., Mutual Fund Dealer.
Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Mutual funds are sold by prospectus only. Before investing you should obtain a copy of the current prospectus from the mutual fund. Mutual funds are not guaranteed, their values fluctuate and past performance may not be
repeated.
Miscellaneous
Assumes all licensing requirements (life, securities, debt certification, etc.) have been met. Assumes typical lapse rates. Cash flow represents gross income only. Commissions subject to DCA withholding and applicable taxes and representatives are responsible for their own business expenses. All commissions and bonus payments are subject to applicable agent agreements and Operating Guidelines.
Commission rates, rules and procedures and bonus programs are subject to change in any manner from time to time, including adjustments to renewal commissions on product sales previously made. The Company may from time to time modify, supplement or terminate any of the compensation in any manner. Additional details available from Primerica Financial Services.
General
This piece is meant as a general information item and does not constitute nor is meant to give debt, credit counselling or tax advice.