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Note: Primerica representatives may provide products and services only to
individuals in those jurisdictions where they are licensed or approved. Products
and services listed on this website are for informational purposes only and
should not be construed as a solicitation to sell or an offer of any Primerica's
products or services.

For detailed important disclosures of products and services offered in Canada,
please click here.

Business Opportunity:

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
all 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.

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Life Insurance:

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.

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Investments and Savings:

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.

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Auto and Home:

In the U.S., Primerica Secure™ is an insurance customer referral program in
which representatives may refer individuals or businesses to Answer Financial®
Inc. or its applicable affiliate, a licensed insurance agency, which offers
certain products and services. 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 nor its
affiliates represent Answer Financial® Inc. or its affiliates or any of the
insurers for which Answer Financial® Inc. or its affiliates sell or place
insurance. For more information, please see www.ReferSecure.com.

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. Not all insurance products and
services are available in all states. 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 British
Columbia, Saskatchewan and Manitoba. Appropriate Certification required. 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.

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Pre-Paid Legal Services:

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 through membership based participation. Services and benefit availability
may vary by state. See resident state plan for complete terms, coverage,
amounts, conditions 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 dba PPLSI, a subsidiary of Pre-Paid Legal
Services, Inc. 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.

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Identity Protection:

In the U.S., IDTheftDefense® ("IDTD") is offered by contractual agreement
between Primerica Client Services, Inc. and Pre-Paid Legal Services, Inc.
("PPLSI"). IDTD is a product of PPLSI and provides access to identity theft
protection and restoration services or advice. 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 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, ID Theft Defense℠ is offered by contractual referral agreement
between Primerica Client Services Inc. ("PCS"), PFSL Investments Canada Ltd.
("PFSL"), and PPL Legal Care of Canada Corporation dba PPLSI, a subsidiary of
Pre-Paid Legal Services, Inc. ID Theft Defense 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. PPLSI provides access to identity theft protection and restoration
services.

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. IDTD plans
are available at individual or family rates. See an IDTD 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.

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MORTGAGE LOANS:

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 licensing and/or
certification requirements. Please consult your local Primerica office or your
Primerica Representative for further details regarding Primerica's mortgage loan
referral programs.

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Vivint:

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.


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Health Benefits (CAN Only):

Primerica Enhance™ is a trademark of Primerica, Inc. References to Primerica
refer to Primerica Life Insurance Company of Canada. Primerica Life Insurance
Company of Canada is a wholly owned indirect subsidiary of Primerica, Inc.

Primerica and its affiliates assume no liability for the insurance products and
services offered by The Edge Benefits Inc. through the Primerica Enhance™
program.

The information provided in this website is for general information purposes
only. Please see the relevant The Edge Benefits Inc. Product Overview and
application for full details of all terms and conditions of the insurance
product being applied for.

Primerica's independent sales representatives promote and market insurance
administered by The Edge Benefits Inc. for the purposes of the Primerica
EnhanceTM program.  The insurance products administered by the Edge Benefits
Inc. are underwritten by various Canadian insurers unaffiliated with Primerica. 
The Edge Benefits Inc. is an administrator and a managing general agent of the
third party Canadian insurers with respect to the insurance products offered
through the Primerica EnhanceTM program.  Primerica and its affiliates are not
responsible for the accuracy, legality, or any other aspect of the insurance
products or services offered by The Edge Benefits Inc. through the Primerica
EnhanceTM program.

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Financial Needs Analysis:

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.

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Household Budget Index™:

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.

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Third Party Content Sharing:

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.

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