The Primerica Opportunity

2

Primerica

The best part-time business opportunity

or

The best full-time business opportunity

3

Primerica

You Decide.

Full-time

Part-time

or

4

Just the Facts

$0.02 $0.08$0.04 $0.16

$20.48

$2,621.44

$1,310.72

$10.24$5.12

$655.36

$20,971.52

$163.84

$1.28

$0.64

$5,242.88

$40.96

$0.32

$2.56

$327.68

$81.92

$10,485.76

$41,943.04 $83,886.08 $167,772.16

$335,544.32

$671,088.64

$1,342,177.28

$2,684,354.56

$5,368,709.12 $10,737,418.2

4

Sunday Monday Tuesday Wednesday

Thursday Friday Saturday

11 22 33 44 55 66 77

88 99 1010 1111 1212 1313 1414

1515 1616 1717 1818 1919 2020 2121

2222 2323 2424 2525 2626 2727 2828

2929 3030 3131

For illustrative purposes only. Not intended to demonstrate the growth potential of any specific investment.

What Do People Want?

When people talk about freedom, they’re really talking about…

Quality of Life5

What Is Quality of Life?

More … Time

6

More … Money

In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.

7

For Most People, These Things Are Just Wishes

Dream home

Would you want to make this a reality?

A second home at the lake, the beach, the mountains

Education for your children

Travel, entertainment, hobbies, events

Charitable contributions to your favorite cause

Building a legacy for your family

Toys – cars, boats

Which One Seems More Like Freedom?

Your Life Revolves Around Your Job

Your Business RevolvesAround Your Life

8

9

Quality of Life

What determines your quality of life?

How You MANAGE

Your MONEY

How You MAKE

Your MONEY

10

Control of TIME.Control of MONEY.

How Do Most People Make Their Money?

Self-EmployedOwns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson.

Control of TIME.Control of MONEY.

InvestorHas money working for them.Enjoys complete freedom and lives the dream.

The Cash Flow Quadrant, CASH FLOW Technologies, used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies Inc. For information purposes only. Not for any product solicitation.

EmployeeHas a job. Income based on position, not the person.

Business OwnerOwns a system. Has others working for him/her. Unlimited income potential via manufacturing, marketing, etc.

No Control of TIME.No Control of MONEY.

Limited control of TIME.Limited control of MONEY.

11

Working for Yourself Pays

Those who run their own business tend to build wealth faster than employees.

$49,000

$67,000

Median Income

$67,000

$336,000

Median Net Worth

Wage Earners

Self-Employed

— Money, July 2009

12

There Are Two Reasons People Don’t Start a Business:

2.Money

1.Ideas

Starting a Business

In Primerica, you are in business FOR yourself, but not BY yourself!

13

14

Listed on the New York Stock Exchange

(PRI)

Primerica

Primerica

Primerica was named one of the “Best [performing] IPOs in First Quarter of 2010.”

— Investopedia (a Forbes Digital Company), April 22, 2010

Among the initial investors:

Legg Mason Invesco Franklin Templeton An Oppenheimer Fund AGF Investments Inc.

15

Plus 200 other companies!

Among the Significant Holders of Primerica Stock: Warburg Pincus LLC

Private equity firm with offices in the United States, Europe, and Asia Private equity investor since 1966 Approximately $25 billion in assets under management

16

“At Warburg Pincus, we look for companies that we believe deliver high value products to the consumer. We believe Primerica is uniquely positioned to be the top financial services distributor in North America.”

Michael E. Martin, Partner, Warburg Pincus & Co. and Managing Director, Warburg Pincus LLC.

Among the Significant Holders of Primerica Stock: Baron Capital

Management

Founded by Ron Baron in 1982 Approximately $16 billion in assets under management Ron Baron is listed on the Forbes 400 (The 400 Richest

Americans) and has a net worth of $1.3 billion

17

“Baron Funds invests for the long term in what we believe are unique, well-financed businesses with open-ended growth opportunities and sustainable competitive advantages. We are most interested in businesses like Primerica that provide products with broad appeal to an underserved market.

“We like to say, ‘Baron Funds invests in people not just buildings.’ Primerica is a good example of a company that meets our investment criteria.”

Ron Baron, Chairman and Chief Executive Officer, Chief Investment Officer, Baron Capital Management, Portfolio Manager of Baron Growth Fund, Baron Partners Fund and Baron Retirement Income Fund

18

We Are the Largest Independent Financial Services Marketing Organization in North America

1 Size of life sales force (2009)2 Aflac U.S. licensed sales associates3 Estimated number of licensed sales professionals4 Number of agents as of December 31, 2008 per the company Web site; accessed January 10, 20105 Total number of sales representatives

6 Number of producing exclusive agents as of September 30, 20097 Global representatives8 Number of financial advisors9 Estimated number of financial advisors per the company Web site; accessed February 25, 201010 Total financial advisors11 Estimated number of financial advisors per fourth quarter 2009 report

Primerica1 Aflac2 Allstate3 State Farm4

MetLife5 Torchmark6

MSSB7 BAML8 Edward Jones9

Ameriprise10

Raymond James11

Insurance Agents

Brokers

Financial Advisors

5.312.012.515.018.1

7.512.6

17.6

32.0

75.3

100.0

Sale

s Fo

rce

(in t

housa

nds)

Primerica

New company with 33-year proven track record #1 rank of in-force term life premium

– 4.3 million lives insured 2 million investment clients

– $31 billion in assets under management Accredited member of the Better Business Bureau Doing business in one of the most highly regulated industries Rated A+

Primerica Life’s, National Benefit Life’s and Primerica Life Insurance Company of Canada’s financial strength is rated A+ (Superior) by A.M. Best, the oldest and most prominent rating agency in the industry.*

*A.M. Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, B++, B+, B, B-, C++, C+, C, C-, D, E, F. Primerica’s term life insurance is underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State, Primerica Life Insurance Company, Home Office: Duluth, GA, in all other U. S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada. Investments offered by: PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, GA, 30099, 770-381-1000.

Could all these people be wrong?

19

Primerica Legal

Protection Program

20

Life Insurance

Annuities

Debt Solutions

Legal ProtectionLong Term Care

Auto & Home InsuranceReferral Program

Mutual Funds

Quotes from such companies as:

Travelers Safeco

Progressive

Primerica DebtWatchers™Offered by Primerica Client Services, Inc. through contractual agreement with

The Power of Primerica

A Main Street company delivering to Main Street families

Common sense solutions

If it’s complicated, we don’t offer it

We teach people how

money works.21

22

Ask Yourself

Do you believe it’s POSSIBLE for people in this country to become properly protected, debt free and financially independent?

How do you think most people would FEEL if they woke up tomorrow morning properly protected, debt free and financially independent?

1 2 3 4 5 6 7 8 9 101 2 3 4 5 6 7 8 9 10

On a scale of 1-10, 10 being the highest, how would you rate most people’s DESIRE to be properly protected, debt free and financially independent?

23

Ask Yourself

If most people have… The DESIRE to be properly protected, debt free

and financially independent, and… Believe it’s POSSIBLE for people in this country to

become properly protected, debt free and financially independent, and…

Would FEEL UNBELIEVABLE if they were properly protected, debt free and financially independent…

Then why aren’t more families properly protected, debt free and financially independent?

How do most people manage their money?

They Don’t!

24

25

You’ll Earn A Fortune In Your Lifetime

What you will earn over a 40-year career:If you make:

If you AND your spouse each make:

$30,000 $1.2 Million

$40,000 $1.6 Million

$50,000 $2 Million

$30,000 $2.4 Million

$40,000 $3.2 Million

$50,000 $4 Million

26

It’s Not What You Make, It’s What You Keep.

To have $1 million at age 65, would you rather save:

$158/month from 25-65

25 65

$1,000,000

This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.

27


$1,000,000

25

$442/month from 35-65

35 65


This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.

28


$1,317/month from 45-65

35 6545

$1,000,000


25This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.

29


$4,882/month from 55-65

45 6555

$1,000,000



30


45 55 6560

$12,914/month from 60-65

$1,000,000



31


45 55

Too Lateat 65

60 65

$1,000,000

3525

Money Management Mistakes:

Not UnderstandingHow Money Works

32

33

Bypass the Middleman

Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return

Traditional Financial Institutions

CDs and savings accounts are generally FDIC insured up to $250,000. Cash value life insurance offers life insurance components in addition to the investment component.

34

$4,000

$2,000

The Rule of 72

This simple calculation gives you the approximate number of years it will take to double your investment.

Based on the Rule of 72, a one-time contribution of $2,000 doubles six more times at 12% than at 3%.The table serves as a demonstration of how the Rule of 72 works and is only an approximation of accumulations. It is not intended to represent any specific investment. The chart uses constant rates of return, unlike actual investments, which will fluctuate in value. It does not include fees or taxes, which would lower performance.

$2,000 $2,000

$4,000

$4,000

$8,000

$8,000

$16,000

$16,000

$32,000

$64,000

$128,000

$256,000

$512,000$32,000$8,000

0

6

12

18

24

30

36

42

48

Numberof Years 3% 6% 12%3

%12%

6%

35

How Does Primerica Help Families?

Household Income $60,000

Mom $30,00

0

Dad $30,00

0

36

BILLS MORTGAGE

DEBTINSURANCE

TAXES



Mom $30,00

0

Dad $30,00

0

Where does it all go?

SAVINGGIVING


Overpaying Taxes

37

38

BILLS MORTGAGE

DEBTINSURANCE

TAXES


SAVINGGIVING



Mom $30,00

0

Dad $30,00

0

TAXES

Taxes

Average 2009 tax refund = $2,960$2,960/12 months = $246/month

— USA Today, April 28, 2010

39

$246 Monthly Overpayment for 35 Years (Age 30-65)

If you make:

0% interest $103,320



12% interest $1,582,016

The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrative rates of return are nominal, compounded monthly.

40

Taxes

Your choice:

or IRS?

IRA


Debt

41

42

BILLS MORTGAGE

DEBTINSURANCE

TAXES


SAVINGGIVING



Mom $30,00

0

Dad $30,00

0

Debt Mortgage

Makes available $1,367 a month4

Refinanced $215,000 for 25 years at $1,353 per month3 at age 35

The Smart Solution

The above example is for illustrative purposes only. 1. The above monthly payment does not include taxes and insurance. 2. Based on the assumption that the present payment program continues on three open-end credit card accounts with balances of $7,570, $8,830, and $5,500 respectively, each with an APR of 18%, 16% and 14.9% respectively, and combined minimum monthly payments of $876 ($303 and $353 and $220 respectively) and one fixed installment car loan with a balance of $15,764, an APR of 6%, a monthly payment of $551, and an original term of 60 months. 3. The above monthly payment does not include taxes and insurance. The payment reflects an annual percentage rate of 5.86% and a note rate of 5.75%. The loan in this illustration includes points and applicable closing costs, which are financed from the loan proceeds. Your actual closing costs and APR may differ. 4. Assumes no additional debt is incurred.

Original Loan APR: 7.50%Original Term: 30 yearsOriginal Loan Amount:$184,955Market Value of Home:$269,000

1st Mortgage$175,000 at

$1,2931

(for 25 more

years)

Personal Debt$37,664 at $1,4272

Total monthly payments = $2,720

43

The Smart Solution

5. The hypothetical interest rate is for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrated rates of return are nominal, compounded monthly. 6. This example assumes the payment + 1/12 option is chosen.

$387,100 invested/home and all debt paid off in 15 years

Invest $934 a month at 10% for 15 years = $387,1005

Add $4336 a month toward payment of principal

Acceleration Additional principal payment of 1/12 of your regular P&I payment may result in reducing total time and cost of your mortgage debt. (Reduces a family’s housing debt faster, possibly saves thousands of dollars in interest and may increase borrower cash flow.)

The total, given a 10% return = $3.55 million5

Take the $387,100 lump sum and invest with the $2,720 now available each month until age 67

44

45

Be in the Know

Do you know your debt freedom date? Do you know your FICO®* score? When in your adult life did you feel you had control

of your credit score? Not your credit — the score? Has anyone tried to steal your identity?

How would you know?

No matter what your personal debt situation is, you can’t afford NOT to be in the know.

*FICO® is a registered trademark of Fair Isaac Corporation.Product not available for purchase by residents of Washington D.C.

A good credit score can determine a lot of things today — whether you will be approved for credit, what interest rate you get on a loan, the cost of homeowners and car insurance and much more.

46

$353

$551

$303

$1,293

$2,720

$551

$303

$1,293

$2,720

$303

$1,293

$2,720

$1,293

$2,720

The Debt Stacking Concept*

* The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card 1 is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to car loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant.

Retail Card

1

Credit Card

2

Car Loan

Credit Card

1

Mortgage

Total

$1,124

$1,427

$2,720

+ $220

+ $573

+ $1,124

+ $1,427

$220

$353

$551

$303

$1,293

$2,720

$573

47

The Debt Stacking Concept*

*This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.

Payoff Date May 2034

Without Debt Stacking

Interest Saved $0

With Debt Stacking

March 2019182 Months Sooner

$130,643

Interest Paid $214,433

Monthly Payments $2,720

$83,789

$2,720

Once debts are paid off at age 35, invest $2,720 each month until age 67 – the total, given a 10% return is $2.87 million.*


Buying the Wrong Type of Life Insurance

48

49

BILLS MORTGAGEDEBTINSURANCE TAXES


SAVINGGIVING



Mom $30,00

0

Dad $30,00

0

Insurance

Today1. Young children2. High debt3. House mortgage

Loss of income would be devastating

At Retirement1. Grown children2. Lower debt3. Mortgage paid

Retirement income needed

How Life Works

The Theory of Decreasing Responsibility

50



Mom $30,00

0

Dad $30,00

0



SAVINGGIVING51

52



Mom $30,00

0

Dad $30,00

0

Dad $30,00

0




SAVINGGIVING

53

Dad $30,00

0

Life Ins$300,0

00




Mom $30,00

0



SAVINGGIVING

Death Benefit Before Primerica

John $150,000Mary $150,000Children $0Total coverage $300,000Monthly Premium $298

Nearly THREE TIMES the coverage for $175 LESS per month!

Life Insurance: Cash Value vs. Buy Term and Invest the

Difference

Invest the Difference

Changed to Primerica’s Term

John $300,000Mary $300,000Children $25,000Total coverage $625,000Monthly Premium $123

Difference = $175/month!

$175 monthly savings invested at 10% for 35 years = $669,948 at age 651. Monthly premium is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and

female, age 33, standard risk. Cash value life insurance can be universal life, whole life, etc., and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. 2. Primerica monthly premium for age 35, non-tobacco use for 35 year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35 year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Home Office, Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 35 years at a 10% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments, which will fluctuate in value. This is hypothetical and does not represent an actual investment.

54


InsuredCause of Death

Death BenefitBefore

Primerica

Death Benefit After

PrimericaSurvived by

Male, age 41Motorcycle Accident

$150,000 $643,000Wife & 2 children, ages 6 & 12

Male, age 26Iraqi Sniper Fire

$0 $400,000 Expectant wife

Male, age 34Shot while on police duty

$37,000 $550,000Expectant wife1 child, age 3

Female, age 22

Vehicular Accident

$0 $250,000 Infant child

Female, age 34

Cancer $0 $295,000Husband & 2 children,ages 4 & 8

Male, age 32Vehicular Accident

$40,000 $200,000Wife & 3 children, ages 5,10 & 11

Female, age 50

Pneumonia $80,000 $400,000 Husband & son

We help Main Street families get the PROTECTION they need at a price they can AFFORD.

55


Overpaying For Other Types of

Insurance56

57

A Common Sense Approach to Auto/Home Insurance

Auto & Homeowner’s Insurance offered through Primerica Secure™, a referral service

Largest comparative quoting system with 20+ top national insurers

Get competitive rate quotes in 10 minutes or less Average savings is $478 per year for the average

family* (that’s $40/month) No referral license or test is required to earn

referral fees in 33 states (including the District of Columbia)

Get as much quality protection as possible for the least amount of premium.

*The average savings amount is based on a survey of insurance premium information provided by 567 purchasers of insurance from Answer Financial between January 1, 2009, and March 31, 2009.

58

Invest the $40 Difference

Rates of return used in the above illustration are hypothetical and do not represent the returns of an actual investment, which will fluctuate in value. The figures show a nominal rate of return compounded monthly and do not take into consideration taxes or other factors which would lower performance.

$139,799

$90,42012%

10%

8%

Rate of Return

$59,614

30 years

$25,000

$100,000

$50,000

$40

$75,000

$125,000

59

Most people don’t plan to fail, they fail to plan.

60

What’s Next?

Complete your FNA and begin your own personal program for proper protection, debt freedom & financial independence (if you haven’t already).

Set up a time in the next 24-48 hours to:

61

What You Would Make

ProductDistric

tRegiona

lRVP

Loan

Primerica DebtWatchers™

Life Insurance

Auto & Home

Investments

TotalHow many people do you want to help?

$645$50

$696$55

$198$1,644

$645$74

$975$60

$240$1,994

$1,290$110

$1,323$85

$351$3,159

These estimated earnings are based on the following assumptions: Life — Custom Advantage 35 policy for primary insured, totaling $300,000 (C535) at 35-year-old non-tobacco rates and spouse, totaling $300,000 (C535) at 33-year-old non-tobacco rates, plus a child rider at $25,000 each on two children. Loan — $215,000 $.M.A.R.T. Loan®. Investment — 12 monthly savings of $934 and $175 monthly saving from the life insurance example into a mutual fund. DebtWatchers — one completed sale. Auto & Home — one completed sale.


Four Things Every Business Needs

Any business (whether it’s a restaurant, retail, manufacturing,

etc.)

Location (building, supplies, equipment)

Licenses (certificates, etc.) Client Base (customers) People (you’ve got to build a team to

build a business)62

Businesses Are Built With People

You can know everything about the business you’re starting but to win you’ve got to have talented people

No one can do it alone (Bill Gates had Paul Allen, Steve Jobs had Steve Wozniak, Thomas Edison had three business partners!)

Surround yourself with great people You can have a great product or a great service BUT if

you don’t have a great team no one will know about it!

Think about the 3-10 people you know that you’d like to be in business with.

63

64

Broker $30,000$90,000

Traditional Brokerage Business

Broker

Agent$90,000

Agent$60,000

Override Income:

Agent$30,000

In the Traditional Brokerage Business,

who has the best Quality of Life?

You ARE NOT rewarded by helping

others get a better quality of life!

$180,000$90,000

65

Override Income

District Regional RVP

Total $1,644 $1,994$3,12

7

$350

How many reps do you want to override?

Build a team = Override

You help 1 family = $1,994x 2= $700$2,694


66

District Leader

You are a District Leader doing $2,500 in personal life premium per month.

You override downlines that produce $2,500 in premium.

Your personal life insurance business

$783 Your overrides on your team

$313 Income from other products

$395

Total monthly cash flow

$1,491

District Leader


Fast Start Bonus Potential (in your first two months) $1,000

67

Division Leader

You are a Division Leader doing $2,500 in personal life premium per month.

You override downlines that produce $5,000 in premium.


$939 Your overrides on your team

$626 Income from other products

$1,103


$2,668

Division Leader


Fast Start Bonus Potential (in your first four months) $2,000

68

Regional Leader

You are a Regional Leader doing $2,500 in personal life premium per

month. You override downlines that produce $7,500 in premium.


$1,096 Your overrides on your team

$1,409 Other income from securities, loans, auto

& homeowner’s insurance referrals, etc.

$2,144


$4,649

Regional Leader


69

Regional Vice President

You are an RVP doing $2,500 in personal life premium per month.

You override downlines that produce $7,500 in premium. Your personal life insurance business


$1,800 Total in bonuses1



$3,610


$8,494Total annual cash flow

$101,928

RVP


70

Regional Vice Presidentwith One Direct RVP

You are an RVP doing $2,500 in personal life premium per month.

You override downlines that produce $7,500 in base shop premium

and $10,000 at first generation. Your personal life insurance business





$5,316



$150,096

RVP


71

Senior Vice Presidentwith a $30,000 Base Shop and Three Direct RVPs

You are an SVP doing $2,500 in personal life premium per month.







$14,062



$503,724

SVP


72

National Sales Directorwith a $30,000 Base Shop and Six Direct RVPs

You are an NSD doing $2,500 in personal life premium per month.







$19,564



$782,568

NSD


73

Senior National Sales Directorwith a $30,000 Base Shop and 15 Downline RVPs

You are an SNSD doing $2,500 in personal life premium per month.


and $135,000 at first generation and $90,000 at second generation.






$24,464



$1,151,232

SNSD


74

Primerica Success Stories

Ivan & Sharon Earle

Former Occupation: Plant Worker

Joined Primerica:Age 23

Achieved RVP in just over 2 years

Primerica’s newest million-dollar earner

Current Income: $1,039,129*

*Cash flow as of 12-months ending May 2010In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.

Jim & Tammy Meyer

Former Occupation: Pressman

Joined Primerica:Age 18

Achieved RVP within six months

Current Income:$1,333,489*

George & UrsulaChavez

Former Occupation: Realtor

Joined Primerica:2007

Current Income:$123,482*

Collis & BritneyTemple

Former Occupation: Student/Athlete


Achieved RVP in one year at age 24


75

Primerica Success Stories

Brett & AndreaBurks

Former Occupation:Student


Achieved RVP in less than 2 years at age 23


*Cash flow as of 12-months ending May 2010In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.

Yvette & EddieHenderson

Former Occupation:Mechanical Engineer


Went RVP in less than 1½ years


Jeff & KelceyFieldstad

Former Occupation:Advertising


25 years old Current Income:

$461,000*

Frank Dillon &Alain Dillon

Former Occupation:Psychologist

Joined Primerica: 1995

Father & Son Team Achieved RVP: 1999

Achieved million-dollar earner status in less than 7 years (July 2003)

Current Income:$1,460,000*

76

Our Target Market

Our goal is to serve the middle market, and despite all of our tremendous achievements, we have barely scratched the surface of our market share.

The new Primerica is uniquely positioned to dominate the market.

“The ‘need’ in the middle income markets greatly exceeds the industry’s capacity to adequately serve these markets.”— The Wall Street Journal, February 17, 2005

1.52%

— ACLI Fact Book, 2009

77

The Primerica Business Opportunity

Low upfront costs No inventory Financially solid Products people need We do what’s right – not what’s being hyped

..

$99Plus

$25/month

78

Why People Don’t Join:

6. No ambition or desire to do or have more with your life.

4. Pride5. Fear

1. Time2. Money3. Confidence/Belief

Ego

79

What’s Next?

Submit your Independent Business Application

(IBA + $99 initial licensing fee, $25/mo. Business Building Support System).

The Question All WINNERS Ask!

80

What’s Next?

Sit down with your Field Trainer to complete your Fast Track Planner and begin a Game Plan to Build Your Business

Set up a time in the next 24-48 hours to:

81

Get Your Business and Your Income off to a Fast Start

See Your Field Trainer For Details!

Learn how to earn your FAST START BONUSES of

$500-$2,000

82

YOU Are In Control

Keep Your

JobAnd Build

Your Busines

sKeep Your

JobUntil You Build

Your

Business

83

It’s Decision Time

If you don’t make a change, won’t the NEXT five years be the same

as the LAST five years?

Is that what you really want?

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www.primerica.com

Important Notes1 Assumes 20% Base Shop Bonus, average estimated Fast Start Bonus for RVP . 2 Assumes 20% Base Shop Bonus, average estimated Fast Start Bonus for RVP and 20% RVP Team Builders Bonus. 3 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus and average estimated Fast Start Bonus for RVP. 4 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus, average estimated Fast Start Bonus for RVP and 5% NSD Bonus. 5 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus, average estimated Fast Start Bonus for RVP , 5% NSD Bonus and 2.5% SNSD Bonus; overriding 9 first generation bonusable RVPs and 6 second generation bonusable RVPs.

Additional NotesIn Canada, not all products and services are available in all jurisdictions. No commissions are earned except upon product sales. In Canada, compensation levels noted for products and services may vary by jurisdiction. Premium reflected is Gross Bonusable Premium. Contract advancement is subject to being in good standing with each Primerica Company. Examples assume sales of Custom Advantage 30-year policy, issue ages 26-45, and QBI of 70%. In addition, Builder’s Track Bonus rate assumptions are: Senior Representative - 16%, District Leader - 20% personal and 8.5% over Sr. Rep and Rep, Division Leader and Regional Leader – 8.5% over District, Sr. Rep and Rep, and all Regional Vice President categories (RVP, SVP, NSD, SNSD) - 15%. Base shop overrides for the District Leader assumes one Sr. Rep and one Rep generating $1,250 in premium each; for the Division Leader, assumes one District Leader generating $2,500 in premium and one Sr. Rep and one Rep generating $2,500 in premium each; for the Regional Leader, assumes one District Leader and two Senior Representatives generating $2,500 in premium each; for the RVP and the RVP with one Direct RVP categories, assumes one District Leader and two Division Leaders generating $2,500 in premium each; for the RVP with a $30,000 Base Shop and one Direct RVP, as well as the SVP, NSD, and SNSD categories, assumes three District Leaders, four Division Leaders and four Regional Leaders generating $2,500 in premium each. For below-RVP categories, non-life cash flow examples assume the client continues to pay for the respective products throughout the first year; for RVP and above categories, non-life cash flow examples are based on Company-wide experience for representatives at the stated sales force level. For slides 104-109: Eligibility to earn overrides on loans is subject to meeting state licensing requirements and requirements of Primerica Financial Services Home Mortgages, Inc.

Important Earnings Disclosure: The cash flows stated are hypothetical and 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 2009, Primerica’s sales force consisted of approximately 100,000 life‑licensed representatives, to whom the Company paid a total of $515,691,076 in compensation, an average of $5,156 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. The Company may from time to time modify, supplement or terminate any compensation program in any manner. Further details are available from Primerica.

Life Insurance: In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York; in the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia; and in Canada, term life insurance products and segregated funds are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. Primerica Secure: A personal lines insurance referral program in which representatives may refer individuals to Answer Financial Inc. which offers insurance products and services through its licensed affiliates. Primerica, its representatives and the Secure Program™ do not represent any of the insurers in the program. Primerica Legal Protection Program, a legal services contract from PrePaid Legal Services, Inc. Securities: In the United States, securities are offered by PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001. In Canada, representatives may be sponsored for mutual funds by PFSL Investments Canada Ltd., Head Office: Mississauga, Ontario. Loans: In the United States, loan products are originated through Primerica Financial Services Home Mortgages, Inc., Primerica Financial Services Home Mortgages Limited Partnership of Arizona, and Primerica Financial Services Home Mortgages Limited Partnership of Ohio, EQUAL HOUSING OPPORTUNITY. In Canada, representatives do not offer mortgage broker services, but may refer clients to AGF Trust Company for debt consolidation loans. Primerica DebtWatchers™: Primerica, representatives of Primerica, Equifax and Primerica DebtWatchers will not act as an intermediary between Primerica DebtWatchers customers and their creditors and do not imply, promise or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by the use of the Primerica DebtWatchers product. See http://my.primerica.com or www.primericacanada.ca for additional Important Disclosures. Lending: In the United States, loan products are offered by Primerica Financial Services Home Mortgages, Inc. through affiliated lenders. EQUAL HOUSING OPPORTUNITY. Please see www.primerica.com for Important Disclosures.

Primerica DebtWatchers™ is a trademark of Primerica, Inc. Products not available for purchase by residents of Washington D.C.

US/41480/9.10/v8.0/10PFS142

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The Primerica Opportunity