Your FAQs and Disclosures

What is the Primerica Business Opportunity?

Primerica representatives build their own independent financial services careers with Primerica, leveraging the company's training, marketing, sales tools, and business management systems. Representatives can focus on building their independent financial services businesses to earn extra income or pursue a financial services career. Primerica’s independent representatives obtain required state or provincial licenses to offer Primerica’s products and services. Once licensed, Primerica’s independent representatives earn commissions based on personal sales and override income on the sales of the team members they recruit, train, and supervise.

Primerica’s licensed representatives help families understand where they are on their financial journey and provide a financial "GPS" to help them prepare for a more secure future. A complimentary Financial Needs Analysis provides personalized information based on the client's needs and goals, which may include establishing an emergency fund, paying down debt, becoming properly protected with term life insurance, and investing for retirement or saving for college.

The costs associated with becoming an independent Primerica representative are relatively low and primarily offset the cost of obtaining a life insurance license including pre-licensing training, exams, and license appointment fees. These costs are generally much higher than Primerica’s initial business entry costs. New representatives complete an Independent Business Application (IBA) and pay a one-time fee of $99 in the U.S. or $103.95 (includes applicable taxes) in Canada, plus $25 per month ($28 in Canada) to access Primerica Online, the company’s business support system.

What do Primerica’s independent representatives do?

Primerica’s licensed representatives help families navigate their financial future by providing education and a financial "GPS" to prepare for a more secure future. The complimentary Financial Needs Analysis provides personalized feedback based on the client’s needs and goals, which could include establishing an emergency fund, paying down debt, becoming properly protected with term life insurance, and investing for retirement or saving for college.

Primerica’s representatives run their own independent financial services businesses while using the company’s training, marketing, sales tools, and business management systems. They expand their businesses by adding representatives to their teams to increase the number of clients their businesses are able to serve.

Does Primerica pay for training?

Primerica provides a host of optional training resources to its independent representatives, including weekly sales, business, and leadership training. The costs associated with obtaining a life insurance license—including pre-licensing training, study materials, exam costs, and state licensing fees—are included as part of the $99 fee to become a Primerica representative. These costs, if paid directly by the representative, would typically be much higher. Note that if a representative who has obtained their life insurance license meets specific qualification guidelines, they may also be eligible for reimbursement of certain investment pre-licensing and exam expenses.

How does Primerica pay their corporate employees?

Primerica has dedicated corporate employees who support the sales force of independent licensed representatives. More information about Primerica’s corporate careers can be obtained directly from the company.

What is working with Primerica like?

Primerica provides the opportunity for anyone to build their own financial services business as an independent contractor. Representatives earn income based on the sale or referral of financial products and services and can devote as many—or as few—hours to their business as they like. There are no quotas or territory restrictions on where or how big representatives may build their business and, once licensed in the states or provinces they operate in, representatives have the freedom to grow their business at their own pace.

The Primerica Business Opportunity for licensed, independent representatives offers individuals the chance to build a part-time business or a financial services career. Primerica representatives earn money through the sale or referral of the company’s products and services.

Primerica’s licensed representatives are supported by corporate employees headquartered in the U.S. and Canada. Primerica is committed to fostering an inclusive and supportive workplace culture for both representatives and staff.

Should I Join Primerica?

Primerica offers its representatives a total entrepreneurial system. You don’t have to come up with an idea, a system, or a product. When you become a Primerica representative, "you are in business for yourself, not by yourself" and you have access to an incredible support system that enables you to provide financial education and help families prepare for a more secure financial future.

How do I succeed with the Primerica Business Opportunity?

Primerica provides independent contractor representatives with the tools they need to succeed. Representatives have the flexibility to set their own schedule and define a career path on their own terms.

Important Disclosures

Independent Contractors: Primerica offers a business opportunity that involves the sale of term life insurance, securities, and various other financial service products. Primerica representatives are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and qualifying product referrals. Importantly, for many product lines, representatives must obtain required licenses before they may sell those products.
Term Life Insurance: Life-licensed Primerica representatives are agents of certain affiliated insurance companies. Product availability may vary by state or province.
Investments: In the U.S., securities are offered through properly licensed and registered entities. In Canada, certain investment products are offered by licensed affiliates. Representatives not licensed with these entities cannot sell or discuss securities or investment products.
Other Products: Additional products such as 529 college savings plans, annuities, and mutual funds may require separate licensing and disclosures.

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