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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.

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
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.

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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 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.

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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. 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.

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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. See a
Plan for complete terms, coverage, conditions, limitations, and family members
who are eligible under the Plan.

In Canada, IDTheftDefense ("IDTD") is a product offered by PPL Legal Care of
Canada Corporation through contractual agreement with Primerica Client Services,
Inc. and PFSL Investments Canada Ltd. Neither Primerica Client Services, Inc.,
PFSL Investments Canada Ltd, nor their officers, employees or sales
representatives directly or indirectly provide identity theft protection and
restoration services. PPL Legal Care of Canada Corporation provides access to
identity theft protection and restoration services. IDTD plans are available at
individual or family rates. See an IDTD plan for complete terms, coverage,
conditions, availability, and limitations. IDTheftDefense is available
throughout Canada, except Quebec.

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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 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.

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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. Visit https://www.vivint.com/locations 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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Medicare Plans:

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.

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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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