Company of Destiny

A Company of Destiny

We’re on a MissionToday’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 AlonzoOntario, California

®

Primerica DebtWatchers 2, 3

Offered by Primerica Client Services, Inc. contractual agreement with

Quotes from such companies as:Safeco and Progressive

Primerica Life Insurance Company of Canada

Primerica Life Insurance Company

Primerica Life Insurance Company of Canada

Debt Solutions1, 6

Referrals by Primerica Client Services, Inc. to

©2013 Primerica / 46154 / 4.13

Auto & Home InsuranceReferral Program

Long Term Care

Disability Benefits

Primerica LegalProtection Program

PPL Legal Care of CanadaCorporation

Legal Protection

Mutual Funds4, 6

Annuities1, 3

401(k) Plans1, 3

Managed Accounts1, 4Life Insurance

Segregated Funds7

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 important 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 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 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.

We Are PrimericaFor more than 36 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 AvrettLawrenceville, 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 4.3 million lives insured

• Greater than $1 billion paid in death benefits in 2012

• More than $675 billion of life insurance in force

• An average of $2.8 million in benefit claims paid every day

We help families invest for their future.• More than 2 million clients maintain investment accounts with us.

• Investment clients have more than $40 billion in asset values in their

PFSI (PFSL) investment accounts. (as of March 31, 2013)

(Primerica refers to Primerica, Inc. and its affiliated companies.)

Awards• Primerica Shareholder Services

has received the exclusive Dalbar

Service Award for outstanding

customer service 10 years

in a row.

• A Gold Nova Award on Innovation

in Customer Experience has also

been awarded to Primerica Share

holder Services.

• For the past 12 years, Investment

Executive named PFSL Invest

ments Canada Ltd. as Canada’s

number one mutual fund dealer

in their Dealer’s Report Card.

• Best’s Review recognized Primerica

as one of the industry’s top 10

innovators for our TermNow

life insurance.

• FindTheBest.com, with “unbiased,

data-driven comparisons,” ranks

Primerica’s life companies at the

top with a 100% rating.

We Have VisionPrimerica’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 are 100% dedicated to helping our sales force build their business-

es and help Main Street families. While other companies are shrinking, Primerica is growing and thriving. The new

367,000-square-foot building houses 1,700 employees who are focused on providing a top-notch entrepreneurial sup-

port system and helping our sales force take their success to a whole new level.

We Offer an Unlimited OpportunityPrimerica 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 EarleColumbia, South Carolina

You are a part-time District Leader3

Personal:4 clients in one month (one per week)4 life sales2 IRA rollovers1 Primerica DebtWatchers1 A&H1 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 sales2 IRA rollovers1 Primerica DebtWatchers1 A&H1 PLPP Equals: $4,978

Team Overrides:2 District Leaders6 clients in one month6 life sales2 IRA rollovers2 Primerica DebtWatchers2 A&H2 PLPPEquals: $1,886

Personal:3 clients in one month 3 life sales2 IRA rollovers1 Primerica DebtWatchers1 A&H1 PLPP Equals: $6,136

Team Overrides:2 Regional Leaders10 life sales4 IRA rollovers2 Primerica DebtWatchers2 A&H2 PLPPEquals: $6,494Bonus: $1,326

Personal:3 clients in one month 3 life sales2 IRA rollovers1 Primerica DebtWatchers1 A&H1 PLPP Equals: $6,136

Team Overrides:3 RVPs + 2 Regional Leaders50 clients combined50 life sales22 IRA rollovers11 Primerica DebtWatchers11 A&H11 PLPPEquals: $16,144Base Bonus: $1,326RVP & SVP Bonuses: $6,936




The Part-Time AnswerAt 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 TeamAs 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 PresidentAs 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 RVPs4

With Primerica, you have the opportunity to own your own business. 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 BurksFt. Lauderdale, Florida

We’re InnovativePrimerica 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.

Breakthrough Technology Through Primerica OnlinePrimerica uses its award-winning technology to simplify the business for its representatives. For example, our Tur-boApps software allows reps to complete quick quotes, sell life insurance, sign up new recruits in real time and …get paid the same day! Primerica Online (POL) is the ultimate business-building resource. You get a full site of resources to help you build a business including your own personal website, training tools, business tax deduction software, Morningstar financial analysis software … and more! Add all of the resources offered through POL and you find a value up to $6,130 per year!* What other com-pany provides that kind of support for only $25 a month?

* Retail value figures are approximate and may vary between jurisdictions and service partners.

Unbelievable SupportPrimerica 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 legal advisory and training and development to outstanding communications support, we provide you with the tools you need to succeed!

Exciting Recognition and EventsPrimerica rewards its top producers with incentive trips to world-class destinations like Hawaii, Boca Raton, Las Vegas and San Francisco. 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 CanProtect 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?

We Showcase SuccessOur 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 March 2013. The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12-month period ending in December 2012, Primerica paid a total of $509,227,049 in compensation to the sales force at an average of $5,513 per licensed representative. Average RVP earnings are typically higher. 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 you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.

Mario & Franny ArrizonRiverside, CA Former Occupation: StudentFormer Income: $0Current Income: $430,728

Cheryl BartlettSan Jose, CAFormer Occupation:Program DirectorFormer Income: $36,000Current Income: $769,158

Abram & Amy BootyShreveport, LA Former Occupation: CoachFormer Income: $40,000Current Income: $288,591

Bob & Red BuissonGainesville, GA Former Occupation: Teacher/CoachFormer Income: $9,600Current Income: $2,562,912

Jerry & Rhonda ByerTroy, MIFormer Occupation: Indus-trial SalesFormer Income: $80,000Current Income: $1,082,397

Susan & Art CarreonRiverside, CA Former Occupation: Sales Representative Former Income: $16,000Current Income: $498,381

Danny ChamorroBurbank, CAFormer Occupation: Regis-tered NurseFormer Income: $40,000Current Income: $468,236

Marc & Stacia CoxGarden Grove, CAFormer Occupation: Pharmaceutical SalesFormer Income: $40,000Current Income: $495,412

Rusty CrosslandDurango, COFormer Occupation: Basketball CoachFormer Income: $8,000Current Income: $1,507,344

Dan & Kate DeFeoWest Bridgewater, MAFormer Occupation:Student/MechanicFormer Income: $10,000Current Income: $573,132

Francisco & Alain DillonHopelawn, NJFormer Occupation:Clinical PsychologistFormer Income: $185,000Current Income: $1,115,968

Michael & Regina EvansChicago, ILFormer Occupation:Contract NegotiatorFormer Income: $24,000Current Income: $476,159

Rich FalconeCranston, RIFormer Occupation:CarpenterFormer Income: $25,000Current Income: $1,034,698

David & Jax FarmerHouston, TXFormer Occupation:Cruise DirectorFormer Income: $100,000Current Income: $256,724

Greg & Sharon FitzpatrickMargate, FLFormer Occupation:Teacher/CoachFormer Income: $13,000Current Income: $1,060,418

Mike & Sonya GattoLangley, British Columbia, CanadaFormer Occupation: WarehousemanFormer Income: $18,000Current Income: $302,700

Giancarlo & Joy GigoneSt. Catherine’s, Ontario, CanadaFormer Occupation:TeacherFormer Income: $32,000Current Income: $701,821

Bob & Rhonda GrahamCalgary, Alberta, CanadaFormer Occupation:MinerFormer Income: $40,000Current Income: $627,233

Neal & Victoria GurfeinIrwindale, CAFormer Occupation:Warehouse WorkerFormer Income: $24,000Current Income: $946,103

Jim & Mary Kocher IIIEdison, NJFormer Occupation:PastorFormer Income: $30,000Current Income: $1,000,000

Hector & Jann La MarqueOntario, CAFormer Occupation:Jewelry Store ManagerFormer Income: $50,000Current Income: $1,996,613

Mike & Amy LandrumHattiesburg, MSFormer Occupation: Professional Football PlayerFormer Income: $95,000Current Income: $704,602

Jon & Patte LavinConshohocken, PAFormer Occupation:Student/Sales/GolferFormer Income: $10,000Current Income: $661,413

Chris & Joy LegaspiPasadena, CA Former Occupation: Business Owner Former Income: $50,000Current Income: $323,063

David & Sophia LeungSacramento, CAFormer Occupation: Warehouse WorkerFormer Income: $40,000Current Income: $583,817

Alex & Lisa MakanvandPasadena, CAFormer Occupation:EngineerFormer Income: $75,000Current Income: $1,035,025

Allan & Nicole MedranoWhittier, CAFormer Occupation:Paint SalesmanFormer Income: $36,000Current Income: $312,820

Jim MeyerJacksonville, FLFormer Occupation: PressmanFormer Income: $18,000Current Income: $1,300,135

Craig & Gina MorganDallas, TXFormer Occupation: Comput-er SalesFormer Income: $20,000Current Income: $601,002

Tony & Shelly NarainStratford, CTFormer Occupation:Real EstateFormer Income: $90,000Current Income: $890,918

Omar & Danielle OropesaMiami Lakes, FLFormer Occupation:College StudentFormer Income: $0Current Income: $876,521

Keith & Danielle OttoEnglewood Cliffs, NJFormer Occupation:PlumberFormer Income: $60,000Current Income: $1,000,000

Mark & Deborah PennyLoveland, COFormer Occupation: StudentFormer Income: $0Current Income: $410,654

Daniel & Sandra PirilloToronto, Ontario, CanadaFormer Occupation:Student/General LabourerFormer Income: $12,000Current Income: $368,192

Mike & Kirsten PresslerOakland, NJFormer Occupation:Sales RepresentativeFormer Income: $18,000Current Income: $562,894

Jose & Eileen Rivera VegaHato Rey, Puerto RicoFormer Occupation:StudentFormer Income: $0Current Income: $415,062

Fred & Betty RodriguesHonolulu, HIFormer Occupation:Police SergeantFormer Income: $24,000Current Income: $516,024

Chris & Sherri RoyceEast Syracuse, NYFormer Occupation:Fiber Optic SalesFormer Income: $44,000Current Income: $407,800

Sam & Elaine ShepardAtlanta, GAFormer Occupation:Airline Baggage HandlerFormer Income: $22,000Current Income: $1,115,651

Gurpreet & Harjinder SinghGlendale, NYFormer Occupation:Systems AnalystFormer Income: $45,000Current Income: $515,246

Rick & Michelle SusieHenderson, NVFormer Occupation:Retail SupervisorFormer Income: $70,000Current Income: $1,836,123

Joseph & Martine TanseyJamesburg, NJFormer Occupation:College StudentFormer Income: $0Current Income: $665,396

Tyrone & Carolyn TaylorSouthfield, MIFormer Occupation:Group LeaderFormer Income: $26,000Current Income: $432,569

Collis & Britney Temple III Baton Rouge, LAFormer Occupation:StudentFormer Income: $0Current Income: $318,854

Dick & Beth WalkerTampa, FLFormer Occupation:Banking/InsuranceFormer Income: $75,000Current Income: $1,000,000

Joseph WardChicago, ILFormer Occupation:TeacherFormer Income: $25,000Current Income: $282,764

Bill & Leslie WhittleBaton Rouge, LAFormer Occupation:Teacher/CoachFormer Income: $15,000Current Income: $2,082,520

Mark & Sue YoungerBurbank, CAFormer Occupation: Financial ServicesFormer Income: $35,000Current Income: $1,170,997

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 assumePrimerica 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 (17% for 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. 5 Primerica reps can access deductr™ via Primerica Online. Log into POL and click the deductr link in the legend. Primerica does not provide tax advice, and does not warrant deductr’s performance in any way. For tax information and advice, consult a tax professional. deductr is not available in Canada. 6 The Partnership Empowerment Program (PEP) is a recognition program for Primerica partnerships. It is not a business or legal partnership. PEP cannot affect, combine or alter contractual compensation, hierarchial agreements or ownership issues.

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.

© 2005-2013 Primerica / A8868 / 46127 / 5.13 / 00PFS264-75

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.

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 5,653 3,117

Over $100,000 2,704 1,583

Over $1 million 64 33

Over $2 million 17 6

Over $5 million 1 1

In 2012, Primerica paid more than half of a billion dollars to its sales force!

www.primerica.comwww.primericacanada.ca

The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12-month period ending in December 2012, Primerica paid a total of $509,227,049 in compensation to the sales force at an average of $5,513 per licensed representative. Average RVP earnings are typically higher. 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 you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.

Documents

Company of Destiny