WE BEGIN WITH PLAIN-SPOKEN EDUCATION
on important financial principles, provided by one of our many experienced representatives – whether or not a family buys something from us.
We Help Families Become Financially Secure.
Providing Middle-Income Families access to essential financial services
For more than 45 years, we've looked out for middle-income families. By helping them learn the principles of personal finance, reduce their consumer debt, plan for the unexpected, and gain access to appropriate financial products and services, we've helped millions of people protect their families and save for the future.
We protect families' financial futures
by offering affordable term life insurance.
We help families save
for emergencies, retirement, education, and other important goals through straightforward financial products.
Middle-Income families count on us to strengthen their financial futures
Our 130,000+ licensed and trained representatives are located in every state, Canada and Puerto Rico. They assess client needs, provide education and offer access to straightforward solutions like term life insurance, as well as mutual funds, annuities and other financial products from industry-leading companies.
Our Scale
Listed on the NYSE
and a component of the S&P Midcap 400 and the FORTUNE® 10008
$903 billion
Of term life insurance in force, full-year 20211
~$97 billion
Of client asset values in investment accounts, full-year 20211
Who We serve
$53,500
Average household income of our clients2
5.7 million+
Lives covered by term life insurance1
2.7 million+
Client investment accounts1
What Makes Us Special
$25
Among the lowest minimum investment thresholds in the industry3
$240,647
Average face amount of our clients' life insurance policies, full-year 20201
$6.1 million
Average in life insurance benefit claims paid every day, full-year 20211
part of the communities we serve
Our middle-income clients often face different situations than those faced by the clients of many other financial institutions. The majority of middle-income Americans would choose to work with a licensed professional over self-help online resources when making a major financial decision,4 so our representatives build face-to-face relationships with their clients to help them overcome challenges they see firsthand, like:
Living paycheck to paycheck
64% of full-time American workers are one missed paycheck away from hardship.5
Saving enough for retirement
Nearly a quarter of Americans have put no money aside for retirement.6
Credit card debt
Households with credit card debt carry a month-to-month estimated balance of $6,006.7
IN-DEPTH INSIGHTS INTO MIDDLE-INCOME FAMILIES AND THEIR FINANCES
Get a detailed look into how families feel about their financial outlook with our reports.
Meet some of the strategic partners who help us deliver greater financial security to families
1 Numbers reflect the combined totals or daily average, as indicated above, as of, or for the year ended, December 31, 2021, 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. 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: Suite 400, 6985 Financial Drive, Mississauga, ON L5N 0G3, Phone: 1-800-387-7876. Each company is responsible for its own financial obligations.
2 Primerica Financial Needs Analysis Clients as of December 31, 2021.
3 In any account if it's an investment of $25 or more established on a monthly basis
4 EBRI.org, Employee Benefi t Research Institute 2021 Retirement Confi dence Survey
5 CNBC.com, "As Inflation Heats Up, 64% of Americans Are Now Living Paycheck to Paycheck," March 8, 2022
6 Forbes.com, "It's Time to Rethink Retirement Security in the U.S.," January 14, 2022
7 NerdWallet.com, "2021 American Household Credit Card Debt Study," January 11, 2022