Joining Primerica FAQsⁱ

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 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 that may include establishing an emergency fund, paying down debt, becoming properly protected with term life insurance and investing for retirement or saving for college^v.

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 Primerica 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.

For more information about the Primerica business opportunity, visit https://www.primericabusinessopportunity.com/

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 or information 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 investingiv for retirement or saving for college^v.

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 serveⁱⁱ.

Does Primerica pay for training?

Primerica provides a host of optional training resources to its independent representatives, including receiving 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 can also have their investment pre-licensing and exam expenses reimbursed.

How does Primerica pay their corporate employees?

Primerica has over 2,800 full-time employees. These employees support the sales force of more than 151,000 independent licensed representatives. More information about Primerica's corporate careers can be found here.

What is working with Primerica like?

Primerica provides the opportunity for anyone to build their own financial services business as an independent contractor^{ii, iii}. Representatives earn income based on the sale or referral of financial products and services and they 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 provinces they operate in, representatives have the freedom to build their business at a pace that works for them.

The Primerica Business Opportunity for licensed, independent representatives offers individuals the chance to build a part-time business or a financial services career with Primerica. Primerica representatives earn money through the sale or referral of Primerica’s products and services. Primerica had over 151,000 life insurance licensed, independent contractor representatives in its sales force at the end of December, 2024. The Primerica sales force does business in the United States and Canada.

Primerica's licensed representatives are supported by corporate employees headquartered in Duluth, GA, as well as a corporate headquarters in Canada. The U.S. corporate headquarters is an inclusive workplace that is often fondly referred to by its many longtime employees as a "family." Primerica has been recognized as a Top Workplace by the Atlanta Journal Constitution for several years running and earned a National Top Workplace Award for 2024^vi. The company has also been listed on Forbes' "Best Employers for Women"^vii and included in the Bloomberg Gender Equality Index^viii, which tracks public companies committed to supporting gender equality. The company has also been recognized on Forbes' list of "America's Best Employers for Diversity"^ix.

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 systemⁱⁱ that enables you to provide financial education and help families prepare for a more secure financial future.

To learn more about the Primerica Business Opportunity, please visit: https://www.primericabusinessopportunity.com/

How do I succeed with the Primerica Business Opportunity?

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