Primerica, Inc.

Primerica, Inc. (NYSE: PRI) operates as a leading provider of financial products and services to middle-income households in the United States and Canada. The company's website is www.primerica.com.

The company serves middle-income consumers, defined as households with annual income between $30,000 and $130,000, representing approximately 52 percent of U.S. households. Primerica operates through three primary reportable segments: Term Life Insurance, Investment and Savings Products, and Corporate and Other Distributed Products. The Term Life Insurance segment generates recurring revenues from a large in-force block of policies, with approximately 80 to 90 percent of mortality risk reinsured to create a fee-based revenue model. The Investment and Savings Products segment provides entirely fee-based revenues through sales commissions and investment advisory fees on mutual funds, annuities, managed investments, and segregated fund products distributed on behalf of third-party manufacturers and managers.

As of December 31, 2025, Primerica maintained a network of 151,524 life insurance-licensed independent sales representatives operating through approximately 6,000 field offices in 3,200 locations. The company insured over 5.5 million lives and managed approximately 3.1 million client investment accounts. Independent sales representatives operate as independent contractors building their own businesses, with Regional Vice Presidents serving as sales leaders who establish and operate field offices.

The company's distribution model emphasizes accessibility and scalability through a warm-market approach where independent sales representatives typically serve friends, family members, and personal acquaintances. Primerica provides proprietary tools and technology, including its Financial Needs Analysis tool, Primerica Online portal, and mobile application, to support representatives in building their businesses and serving clients. The company was incorporated as a Delaware corporation in October 2009 and completed its initial public offering in April 2010 following a transfer of businesses from Citigroup, Inc. Primerica conducts U.S. operations through Primerica Financial Services, Primerica Life Insurance Company, and PFS Investments Inc., while Canadian operations are conducted through Primerica Life Insurance Company of Canada and related entities.