Joining Primerica FAQs

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 and/or federal financial licenses to offer Primerica's products and services. Once licensed, Primerica's independent representativesii 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 complementary 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 insuranceiii and investing for retirement or saving for collegeiv.

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.

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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 complementary Financial Needs Analysis they offer clients provides personalized feedback or information based on their 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 collegeiii.

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 2,000 full-time employees. These employees support the sales force of more than 130,000 independent licensed representatives. Primerica's representatives earn commissions based on qualified referral fees to Primerica's strategic partnersii.

What is working with Primerica like?

Primerica provides the opportunity for anyone to build their own financial services business as an independent contractorii. Representatives earn income based on the sale of Primerica solutions 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 states 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 businessv or a financial services career with Primerica. Primerica representatives earn money through the sale of Primerica's products. Primerica currently has more than 130,000 life licensed, independent contractor representatives in its sales force. The Primerica sales force does business in North America.

Primerica's licensed representatives are supported by corporate employees headquartered in Duluth, GA, as well as a corporate headquarters in Canada. The US corporate headquarters is an inclusive workplace that is often fondly referred to by its many longtime employees as a "family." Primerica's headquarters in Duluth, GA has been named a Top Workplace by the Atlanta Journal Constitution for several years running and earned a National Top Workplace Award for 2021vi. The headquarters has also been listed on Forbes' "Best Employers for Women"vii and included in the Bloomberg Gender Equality Indexviii, which tracks public companies committed to supporting gender equality. The headquarters 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.

To learn more about the Primerica Business Opportunity, please visit:

How do I succeed with the Primerica Business Opportunity?

Primerica believes "you're in business for yourself, but not by yourselfii." We provide 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.


iiIndependent 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 also qualifying product referrals. Importantly, for many product lines, Primerica representatives must obtain required licenses before the representatives may sell those products.

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  • Life-licensed Primerica representatives are agents of certain affiliated Primerica Companies. 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.
  • In Canada, term life insurance products and Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario.

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iv529 College Savings Plan:

  • Investors should carefully consider college savings plan investment goals, risks, charges and expenses before investing. To obtain a disclosure document, which contains this and other information, talk to your financial professional. You should read the disclosure document carefully before investing and consider whether your or the beneficiary’s home state offers any state tax or other benefits that are only available for investments in its qualified tuition program.

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vPart-Time Opportunity in Canada:

  • In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation.

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viTop Workplaces, Primerica, Inc., 2021,

viiRuth Umoh, Forbes, America's Best Employers For Women, July 28, 2020,

viiiBusiness Wire, Bloomberg, Primerica Included in 2021 Bloomberg Gender-Equality Index, January 27, 2021,

ixKristin Stoller, Forbes, America's Best Employers for Diversity, April 20, 2021

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