company-of-destiny

We’re on a Mission
Today’s economy has had a devastating effect on people’s financial futures. Main Street
families are under-insured, have too much debt and don’t believe they can save money
for the future. Their needs – and their dreams – have been neglected and overlooked.
They’ve never needed a champion more.
“Earn the income
of your dreams
with Primerica.”
Daniel & Karma Alonzo
Ontario, California

1 Not all products/services available in all states or provinces. A representative’s ability to market products from the companies listed is subject to state and federal
licensing and/or certification requirements. 2 Not available to residents of Washington, D.C. 3 In the United States, securities are offered by PFS Investments Inc. (PFSI),
1 Primerica Parkway, Duluth, Georgia 30099-OOOI.4 PFS Investments Inc. (PFSI) is an SEC Registered Investment Adviser doing business as Primerica Advisors. PFSI
is a member of FINRA and SIPC. Lockwood Advisors, Inc. (Lockwood) is an SEC Registered Investment Adviser and an affiliate of Pershing LLC, each subsidiaries of
The Bank of New York Mellon Corporation (BNY Mellon). Pershing LLC, member FINRA, NYSE, SIPC. SEC registration neither implies nor asserts the SEC or any state
securities authority has approved or endorsed PFSI or Lockwood or the contents of this disclosure. ln addition, SEC registration does not carry any official imprimatur
or indication PFSI or Lockwood have attained a particular level of skill or ability. Neither Lockwood or BNY Mellon is affiliated with Primerica. 5 In Canada, mutual funds
are offered by PFSL Investments Canada Ltd., mutual fund dealer, Segregated funds are offered by Primerica Life Insurance Company of Canada. See notes page for im-
portant company affiliations and other disclosures. 6 Neither PCS nor its representatives offer or provide services such as credit repair or improvement, debt or credit
counseling, debt settlement or other similar services. 7 Segregated funds are offered by Primerica Life Insurance Company of Canada. See notes page for important
company affiliations and other disclosures.
Primerica helps Main Street families change their financial lives so they can dream again. We focus on the middle
market while so many other companies focus on the wealthy. Our mission is to help families earn more income and
become properly protected, debt free and financially independent:
• We help Main Street families get the protection they need at a price they can afford.
• We don’t ignore everyday families in favor of high-net-worth clients. We help families invest for the future.
• We help Main Street families with their debt through common sense debt solutions.
• We give them an opportunity to build a business and transform their life.
Primerica teaches Main Street families fundamental financial principles that aren’t taught in school.
With the help of our incredible strategic partners, we offer real families real solutions.
®
PRIMERICA DEBTWATCHERS™1, 2
Offered by Primerica Client Services, Inc.
through contractual agreement with
Quotes from such companies as:
Safeco and Progressive
Primerica Life
Insurance Company
of Canada
Primerica Life
Insurance Company
DEBT SOLUTIONS1,6
Referrals by Primerica
Client Services, Inc. to
AUTO & HOME INSURANCE
REFERRAL PROGRAM
LONG TERM CARE
LEGAL PROTECTION
MUTUAL FUNDS1, 3, 5
ANNUITIES1, 3
401(K) PLANS1, 3
MANAGED ACCOUNTS1, 4
LIFE INSURANCE
Primerica Legal
Protection Program
PPL Legal Care of
Canada Corporation
SEGREGATED FUNDS7
Primerica Life Insurance
Company of Canada

We Are Primerica
For more than 37 years, Primerica has been a company dedicated to helping
Main Street families. From the very beginning, we have shown that there is a
way to do business and be successful and still remain true to core beliefs.
“As a Primerica representative,
you’ll help families get real
solutions to their financial
problems. You’ll feel great
about what you do.”
Frances Avrett
Lawrenceville, Georgia

We offer credibility, strength and longevity.
• In business since 1977
• Listed on the New York Stock Exchange (PRI)
• Member of Standard & Poor’s MidCap 400 Index
• Member of the Russell 2000 Index
• Largest independent financial services marketing organization in
North America
• Accredited member of the Better Business Bureau
• Primerica life insurance companies are rated A+ (Superior)
by A.M. Best
• American Council of Life Insurers (ACLI) member
We help families get the protection they need.
• More than 4 million lives insured through our life companies*
• Greater than $1 billion paid in death benefits in 2013
• Approximately $682 billion of life insurance in force
• An average of $3 million in benefit claims paid every day
We help families invest for their future.
• Greater than 2 million client investment accounts*
• Investment clients have more than $48 billion in asset values in their
PFSI (PFSL) investment accounts. (as of December 31, 2014)
(Primerica refers to Primerica, Inc. and its affiliated companies.)
*As of December 31, 2014
Awards
• Primerica Shareholder Services
has received the exclusive
Dalbar Service Award for
outstanding customer service
12 years in a row.
• A Gold Nova Award on
Innovation in Customer
Experience has also been
awarded to Primerica
Shareholder Services.
• Best’s Review recognized
Primerica as one of the
industry’s top 10 innovators for
our TermNow life insurance.
We Have Vision
Primerica’s new International Headquarters was created to serve our sales force. We’re the only one in the financial
services industry with a company this size that is 100% dedicated to helping our sales force build their businesses
and help Main Street families. While other companies are shrinking, Primerica is growing and thriving. The new
367,000-square-foot building houses 1,600 employees who are focused on providing a top-notch entrepreneurial
support system and helping our sales force take their success to a whole new level.

We Offer an Unlimited Opportunity
Primerica offers the ideal business opportunity. You have the freedom to build a
business how you choose, with no restrictions on your earnings potential. Whether you
want to earn a little extra money part-time,1
or start a business, Primerica could be just
the opportunity you’ve been looking for.
“Did you know that the
typical cost to start a
business is $117,000?2
”
Ivan & Sharon Earle
Columbia, South Carolina

You are a part-time District Leader3
Personal:
4 clients in one month (one per week)
4 life sales
2 IRA rollovers
1 Primerica DebtWatchers
1 A&H
1 PLPP
Total monthly cash flow $3,680
You are a part-time Regional Leader3
You are an RVP3
You are an SVP3
Personal:
4 clients in one month
(one per week)
4 life sales
2 IRA rollovers
1 A&H
1 PLPP
Equals: $4,978
Team Overrides:
2 District Leaders
6 life sales
2 IRA rollovers
2 A&H
2 PLPP
Equals: $1,886
Personal:
3 life sales
2 IRA rollovers
1 A&H
1 PLPP
Equals: $6,136
Team Overrides:
2 Regional Leaders
10 life sales
4 IRA rollovers
2 A&H
2 PLPP
Equals: $6,494
Bonus: $1,326
Personal:
3 life sales
2 IRA rollovers
1 A&H
1 PLPP
Equals: $6,136
Team Overrides:
3 RVPs + 2 Regional Leaders
50 clients combined
50 life sales
22 IRA rollovers
11 A&H
11 PLPP
Equals: $16,144
Base Bonus: $1,326
RVP & SVP Bonuses: $6,936
The Part-Time Answer
At Primerica, you can keep your full-
time job while starting your business
part-time.1
Maybe you’re looking for
extra income – or just want to see if
Primerica is the right opportunity for
you. Take a look at how starting part-
time can help you earn extra money
each month:
Build a Team
As you build your Primerica busi-
ness, you also have the opportunity
to build your team and earn over-
rides. Overrides offer the oppor-
tunity to earn additional income
based on the business your team,
or “downlines,” produce. Take a look
at how you can build your business
even further as a part-timer:1
Transition to Full-Time
Regional Vice President
As you continue to build a team and
expand your Primerica business, you
may decide to quit your regular job
and become a full-time Primerica
representative. When you advance
to the RVP level, you also have the
opportunity to earn bonuses:
Build a Business and
Develop RVPs
With Primerica, you have the
opportunity to own your own
business.4
As you continue to
advance, your opportunity to grow
is unlimited! See how much you can
earn as you build a business and
work toward ownership:

Primerica offers all this … and more!
With Primerica, you are in business
for yourself, but not by yourself!
“Primerica was built for
people who want to make
their dreams come true.”
Brett & Andrea Burks
Ft. Lauderdale, Florida
We’re Innovative
Primerica provides the ultimate success system to help representatives achieve
the success they’ve always dreamed of. From new technology to our unparalleled
recognition and events and so much more, our revolutionary ideas and advancements
allow reps to build their businesses whenever they want, no matter where they are.

Primerica Online —
There’s Nothing Else Like It!
When a new recruit submits their IBA and pays their $99
plus $25 a month for POL, they are gaining access to a truly
indispensable resource right from the start.* New recruits:
• Learn how to build a business in Primerica
• Get field trained
• Get prepped to get licensed
• Work on advancing to the next level
The New Primerica App
The all-new Primerica App is set to consolidate our proven
success system into one powerful tool that goes where you
go. We are taking the core components of our business and
integrating them into a powerful suite of tools that make
it the best of all worlds — marketing, communications and
technology — at your fingertips, 24/7, wherever you are.
Unbelievable Support
Primerica is committed to helping you build your business
with the support and resources you need every step of the way.
• No other company offers the kind of behind the scenes
support that we do.
• At Primerica, you’re in business for yourself, but not by
yourself.
• From training and development to outstanding
communications support, we provide you with the tools
you need to succeed!
Exciting Recognition and Events
Primerica believes in recognizing representatives’ commitment
and hard work.
• Primerica rewards its top producers with incentive trips to
world-class destinations like the Grand Wailea in Hawaii,
the Atlantis Resort in the Bahamas and the Broadmoor in
Colorado.
• It also has the most incredible recognition program in the
industry, life-changing company conventions and special
events and much more!
E X C L U S I V E L Y F O R P R I M E R I C A C L I E N T S
Money Talks Can
Protect Your Marriage
? Did you know?
? Did you know?
Make These Moves Top Money Lies
Ready for Retirement?Save More This Year
What Counts as An EmergencyMake Good Intentions Automatic
$
? Did you know?
? Did you know?
Do You Dollar-Cost Average?
*In Canada, fees are $103.95 for the IBA (includes applicable sales tax) plus $28
per month for POL.

We Showcase Success
Our representatives come from all walks of life. They’re coaches and teachers, former
students and college graduates, homemakers and mechanics. But they all have two
things in common: the desire to make a difference and the desire to dream.
The people you see pictured here started a Primerica business with dreams and they’ve changed their lives in the process. Primerica is a
place where, with hard work, anyone can make their dreams come true. With commitment and hard work, so can you.
Note: Primerica income figures are based upon rolling 12-month gross cash flow (including advances) as of January 2015. From January 1 through December 31, 2014, Primerica paid
a total of $593,056,197 in compensation to its sales force, at an average of $6,030 per life licensed representative. 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 a representative and their downlines. Having
said this, Primerica provides an opportunity for individuals who work hard to develop a business with unlimited income potential.
Mario & Franny Arrizon
Riverside, CA
Former Occupation: Student
Former Income: $0
Current Income: $743,440
Cheryl Bartlett
San Jose, CA
Former Occupation:
Program Director
Former Income: $36,000
Current Income: $1,013,298
Bob & Red Buisson
Gainesville, GA
Former Occupation:
Teacher/Coach
Jerry & Rhonda Byer
Troy, MI
Former Occupation:
Industrial Sales
Susan & Art Carreon
Riverside, CA
Former Occupation: Sales
Representative
Danny & Ada Chamorro
Burbank, CA
Former Occupation:
Registered Nurse
Rusty Crossland
Durango, CO
Former Occupation:
Basketball Coach
Dan & Kate DeFeo
West Bridgewater, MA
Former Occupation:
Student/Mechanic
Francisco & Alain Dillon
Hopelawn, NJ
Former Occupation:
Clinical Psychologist
Michael & Regina Evans
Chicago, IL
Former Occupation:
Contract Negotiator
Rich Falcone
Cranston, RI
Former Occupation:
Carpenter
David & Jax Farmer
Houston, TX
Former Occupation:
Cruise Director
Greg & Sharon Fitzpatrick
Margate, FL
Former Occupation:
Teacher/Coach
Nikole & Leo Galanes
Toronto, Ontario, Canada
Former Income: $0
Mike & Sonya Gatto
Langley, British Columbia,
Canada
Former Occupation:
Warehouseman
Giancarlo & Joy Gigone
St. Catherine’s, Ontario,
Canada
Former Occupation:
Teacher
Todd & Alisa Greer
Houston, TX
Former Occupation:
U.S. Air Force
Neal & Victoria Gurfein
Irwindale, CA
Former Occupation:
Warehouse Worker

Peggy & Eric Hightower
Lanham, MD
Former Occupation:
Registered Nurse
Jim & Mary Kocher III
Edison, NJ
Former Occupation:
Pastor
Hector & Jann La Marque
Ontario, CA
Former Occupation:
Jewelry Store Manager
Mike & Amy Landrum
Hattiesburg, MS
Former Occupation:
Professional Football Player
Jon & Patte Lavin
Conshohocken, PA
Former Occupation:
Student/Sales/Golfer
Chris & Joy Legaspi
Pasadena, CA
Former Occupation: Business
Owner
David & Sophia Leung
Sacramento, CA
Former Occupation:
Warehouse Worker
Glen & Xiomara Li
Edison, NJ
Former Occupation:
Light & Sound Technician
David & Vanessa Lipsit
San Antonio, TX
Former Occupation:
Football Player
Former Income: $0
Alex & Lisa Makanvand
Pasadena, CA
Former Occupation:
Engineer
Allan & Nicole Medrano
Whittier, CA
Former Occupation:
Paint Salesman
Jim Meyer
Jacksonville, FL
Former Occupation:
Pressman
Tony & Shelly Narain
Stratford, CT
Former Occupation:
Real Estate
Omar & Danielle Oropesa
Miami Lakes, FL
Former Occupation:
College Student
Former Income: $0
Keith & Danielle Otto
Englewood Cliffs, NJ
Former Occupation:
Plumber
Mark & Deborah Penny
Loveland, CO
Former Income: $0
Daniel & Sandra Pirillo
Toronto, Ontario, Canada
Former Occupation:
Student/General Labourer
Mike & Kirsten Pressler
Oakland, NJ
Former Occupation:
Sales Representative
Jose & Eileen Rivera Vega
Hato Rey, Puerto Rico
Former Occupation:
Student
Former Income: $0
Fred & Betty Rodrigues
Honolulu, HI
Former Occupation:
Police Sergeant
Chris & Sherri Royce
East Syracuse, NY
Former Occupation:
Fiber Optic Sales
Sam & Elaine Shepard
Atlanta, GA
Former Occupation:
Airline Baggage Handler
Gurpreet & Harjinder Singh
Glendale, NY
Former Occupation:
Systems Analyst
Rick & Michelle Susie
Henderson, NV
Former Occupation:
Retail Supervisor
Joseph & Martine Tansey
Jamesburg, NJ
Former Occupation:
College Student
Former Income: $0
Tyrone & Carolyn Taylor
Southfield, MI
Former Occupation:
Group Leader
Collis & Britney Temple III
Baton Rouge, LA
Former Occupation:
Student
Former Income: $0
Dick & Beth Walker
Tampa, FL
Former Occupation:
Banking/Insurance
Bill & Leslie Whittle
Baton Rouge, LA
Former Occupation:
Teacher/Coach
Mark & Sue Younger
Burbank, CA
Former Occupation:
Financial Services

Are You Next?
Have you ever dreamed of earning the kind of incomes that these leaders do? At Primerica, with hard work and
dedication, it’s possible! You can work as hard as you want and advance as quickly as you want to. At Primerica, you
can build your business as big as you want – your income potential is only as limited as your dreams.
A Track Record of Success … with Tremendous Momentum
Cumulative Number of Earners
Personal Income*
Since 1977 New Since 2000
Over $50,000 5,980 3,452
Over $100,000 2,913 1,797
Over $1 million 68 37
Over $2 million 17 6
Over $5 million 1 1
In 2014, Primerica paid more than half of a billion dollars to its sales force!
www.primerica.com
www.primericacanada.ca
These figures represent 12-month rolling cash flow levels, including advances, which have been achieved by Primerica representatives, past and present, at some point during their
affiliation with a Primerica Company, beginning in 1977. The representatives are not necessarily achieving those levels at this time. Further, the numbers reflected in the “Cumulative
Number of Earners” column are cumulative from level to level and, therefore, include all representatives who have ever achieved the stated cash flow figures. The cash flow
categories are not intended to demonstrate earnings of typical representatives. From January 1 through December 31, 2014, Primerica paid a total of $593,056,197 in compensation
to its sales force, at an average of $6,030 per life licensed representative. 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 a representative and their downlines. Having said this, Primerica provides an
opportunity for individuals who work hard to develop a business with unlimited income potential.
Your rights and obligations concerning your business are set forth in your various agent agreements with the Primerica Companies. Ownership of your Primerica business is available
if you fully qualify under the Ownership Program by meeting and remaining current with all eligibility requirements as set forth in the Ownership Program Document and various
policies and procedures of Primerica.
1 Part-time opportunity not available in all parts of Canada, and where available may be subject to certain restrictions. 2 Money, July 2012 3 No commissions are earned except upon
product sales. Premium reflected is Gross Bonusable Premium. Contract advancement is subject to being in good standing with each Primerica company. Examples assume
Primerica monthly premium for age 35, non-tobacco use for 35-year Custom Advantage policy (C535) of $300,000 and spouse age 33, non-tobacco use for 35-year Custom
Advantage policy (C5SR) of $300,000, both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company,
Executive Offices, Duluth, GA. Life Bonus is based on 69% QBI and 10% Bonus Rate (plus 17% Leadership Development Bonus to the Qualified SVP) assuming average premium
per policy of $1,478. IRA rollover of $20,000 + $300 PAC. 4 The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL for the
Ownership Program documents and policies, which control in all respects.
Notes: Not all products and services are available in all jurisdictions. Compensation levels noted for products and services may vary by jurisdiction.
See important earnings disclosure above.
© 2005-2015 Primerica / A8868 / 49257 / 1.15 / 00PFS264-81

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