What Kind of a Company Is Primerica?

Primerica is a financial services company serving the middle-income market in North America. 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 approximately 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, segregated funds, utilizing both stand-alone funds and managed investment programs. We use tax-deferred and tax-free accounts and have retirement plans for business. Primerica has approximately 3 million client investment accounts with more than $112 billion in invested assets.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.

• Health Benefits

  With Primerica Enhance™ program, through strategic partnership with The Edge Benefits, we provide adequate protection to clients if they become injured or sick or are unable to work via disability insurance, critical illness, health and dental benefits, business overhead expense coverage, travel medical insurance and more.

• MORTGAGE Loans

  In strategic partnership with 8Twelve Mortgage, we offer clients an easy way to meet all clients' mortgage needs including Mortgage Review, Purchase Mortgage, Rate Re-Financing, Debt Consolidation, Renewals and more.

• Auto & Home

  Through Primerica Secure™ – an auto and homeowner's insurance referral program with Surex.com, – our clients get competitive quotes from top–rated insurers in 10 minutes or less. Surex clients report saving average of $759 or more annually.² Small business insurance options now available!

• Pre-Paid Legal

  The Primerica Legal Protection Program, offered through Pre-Paid Legal Services, Inc., connects clients with a qualified Provider Law Firm in their province who provides support and services for legal needs, including will preparation.3³

• Identity Theft

  Millions of people experience identity fraud each year.⁴ IDTheftDefense®, offered by Pre-Paid Legal Services, Inc., 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 favour of higher income clients. Freedom for Families was the goal because basic financial principles, which empower people to ask the right questions or make better decisions still aren't often taught in schools.