Primerica
Primerica is the trade name of Primerica Financial Services, Inc. (United States) and of Primerica Financial Services Ltd. (Canada) and PFSL Investments Canada Ltd.
Insurance, Securities & Other Financial Company Representation
Appropriately licensed Primerica representatives are agents of certain affiliated Primerica Companies.
The products and services offered by the companies noted above may not be available in your jurisdiction, state or province. The products and services your Primerica representative may be able to offer also may be limited. Please consult your local Primerica office or your Primerica representative for a listing of products and services available.
Subsidiary of Citigroup
Primerica and its affiliates are subsidiaries of Citigroup Inc. Each subsidiary of Citigroup, and not Citigroup itself, is responsible for its obligations to its customers. Insurance and securities offered through Primerica Companies are not deposits. There is no bank guarantee. They are not FDIC insured. Securities may lose value.
Continuity of Business
PFS Investments Inc. (“PFSI”) has developed a Continuity of Business Plan that addresses the possibility of a future emergency or significant business disruption. If such an event were to affect PFSI’s Duluth, Georgia headquarters, customers could continue to access their funds by contacting the following companies depending upon the type of investments the customer owns.
MetLife Life and Annuity Company of Connecticut via telephone at (888) 556- 5412; via internet at www.metlife.com/mlic; via mail at P.O. Box 990011, Hartford, CT 06199 for PrimElite I or PrimElite II account holders or P.O. Box 10426, Des Moines, IA 50306 for PrimElite III, PrimElite IV or Protected Equity Portfolio account holders; or through their local PFSI representative.
Financial Needs Analysis
The Financial Needs Analysis (FNA) is designed to assist you in identifying your financial needs and goals so that you can make better informed decisions in managing your money. An FNA is developed based on information you provide, as summarized on data input pages, and on certain generally accepted assumptions and reasonable estimates. It is provided to you as a complimentary, no-obligation service by Primerica Financial Services. The Financial Needs Analysis is not a financial plan. The FNA should be construed as a guide for you to use in deciding how best to attain your financial goals. Representatives are compensated through commissions or referral fees on the sale of financial products offered by the financial product companies they represent. Representatives are not financial planners, investment advisors, financial consultants or other specialists who provide financial advice and whose compensation may be unrelated to sales.
Term Life
Term life is underwritten by National Benefit Life Insurance Company (Home Office: New York, NY) in New York and Primerica Life Insurance Company (Home Office: Boston, MA) in all other states. Primerica Life Insurance Company is not authorized or licensed in New York State and does not solicit business in New York State.
H.O.M.E. Loan™
Arizona: Loans solicited by Limited Partners in Primerica Financial Services Home Mortgages Limited Partnership of Arizona (Primerica Financial Services Home Mortgages, Inc., General Partner. 6135 North 7th Street, Suite 201, Phoenix, AZ 80514. Mortgage Banker License No. BK 15594). Loans originated by CitiMortgage, Inc. California: Primerica Financial Services Home Mortgages, Inc. Loans arranged pursuant to a Department of Corporations, California Finance Lenders License. Colorado: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), License status: Exempt, 3120 Breckinridge Blvd., Duluth, GA 30099, (770) 381-1000. Connecticut: Primerica Financial Services Home Mortgages, Inc., BROKER ONLY, NOT A LENDER. Delaware: Primerica Financial Services Home Mortgages, Inc., (PFSHMI): A Delaware Licensed Mortgage Loan Broker. Florida: Licensed Florida Mortgage Broker/Representing: Primerica Financial Services Home Mortgages, Inc., Licensed Mortgage Brokerage Business. Georgia: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3120 Breckinridge Blvd., Duluth, GA 30099: A Georgia Residential Mortgage Licensee, License #6078. Illinois: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3120 Breckinridge Blvd., Duluth, GA 30099: Illinois Residential Mortgage Licensee. CitiMortgage, Inc., the lender, would provide the funds for these loans. CitiMortgage, Inc., not PFSHMI, is the entity which affects the availability of funds. Interest rates or charges for loans are in no way recommended, approved, set or established by the State of Illinois. Kansas: Kansas Licensed Mortgage Company. Primerica Financial Services Home Mortgages, Inc. 3120 Breckinridge Blvd., Duluth, GA 30099. License No. 96-209. Kentucky: Representing Primerica Financial Services Home Mortgages, Inc., 3120 Breckinridge Blvd, Duluth, Georgia 30099. EQUAL HOUSING OPPORTUNITY. Maine: Primerica Financial Services Home Mortgages, Inc., Loan Broker License #CSO07173. Massachusetts: Primerica Financial Services Home Mortgages, Inc., Massachusetts Mortgage Broker License Number MB 0056. Minnesota: Representing: Primerica Financial Services Home Mortgages, Inc., Minnesota Residential Mortgage Originator. Missouri: Primerica Financial Services Home Mortgages, Inc. (PFSHMI): A Residential Mortgage Licensee. Montana: Primerica Financial Services Home Mortgages, Inc., 3120 Breckinridge Blvd., Duluth, GA 30099, License Number 000381. Nebraska: Primerica Financial Services Home Mortgages, Inc. (PFSHMI): Licensed as a Mortgage Banker. Nevada: Primerica Financial Services Home Mortgages, Inc., 9055 West Post Road, Las Vegas, NV 89148; 702-870-3200. New Hampshire: Licensed by the New Hampshire Banking Department. New Hampshire Mortgage Broker License Number 5367-MBR. New Jersey: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3120 Breckinridge Blvd., Duluth, GA 30099-0001, (770) 381-1000: Licensee, New Jersey Licensed Lenders Act, Licensed Mortgage Banker, Licensed by the New Jersey Department of Banking and Insurance (Certain Locations). PFSHMI does not make any mortgage loan commitments or fund any mortgage loans. PFSHMI arranges loans with 3rd party providers. (1st/2nd): CitiMortgage, Inc. and Citibank, N.A., as applicable, the lenders, would provide the funds for these FIRST AND SECOND MORTGAGE LOANS. New York: Representing Primerica Financial Services Home Mortgages, Inc. – New York State Banking Department, 3rd Party Mortgages arranged, Registered Mortgage Broker. North Carolina: Loans solicited by Representatives of Primerica Financial Services Home Mortgages, Inc. Rhode Island: PFSHMI: A Rhode Island loan broker licensee. Texas: Primerica Financial Services Home Mortgages, Inc. Financial Services Company #71355, 3120 Breckinridge Blvd. Duluth, GA 30099-0001, 770-381-1000. Virginia: Primerica Financial Services Home Mortgages, Inc., Licensed as a Mortgage Broker by the Virginia State Corporation Commission, License #MB-1504. Washington: Washington Mortgage Broker Practices Act Licensee. This document is not intended as an offer to extend credit nor a commitment to lend. The loan interest rates, fees, and terms presented herein are for illustrative purposes only and may not be currently available. This document has been prepared to assist real estate professionals in illustrating some of the financing options available to consumers.
CitiMortgage, Inc. does business as Citicorp Mortgage in NM. CitiMortgage, Inc. is an equal housing lender. CitiMortgage is a service mark of Citicorp. First Collateral Services, Inc. is the lender in California, and is licensed by the Dept. of Corporations under the California Finance Lenders Law. Primerica Financial Services Home Mortgages, Inc., CitiMortgage, Inc., Citibank, N.A., and First Collateral Services, Inc. are all affiliated companies of Citigroup. Lenders are affiliates of Primerica Financial Services Home Mortgages, Inc. Loans secured by residential real estate. EQUAL HOUSING OPPORTUNITY.
$.M.A.R.T. Loan®
Arizona: Loans solicited by Limited Partners in Primerica Financial Services Home Mortgages Limited Partnership of Arizona (Primerica Financial Services Home Mortgages, Inc., General Partner 6135 North 7th Street, Suite 201, Phoenix, AZ 80514. Mortgage Banker License No. BK 15594). Loans originated by Citicorp Trust Bank, fsb. California: Primerica Financial Services Home Mortgages, Inc. Loans arranged pursuant to a Department of Corporations, California Finance Lenders License. Colorado: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), License status: Exempt, 3120 Breckinridge Blvd., Duluth, GA 30099, (770) 381-1000. Connecticut: Primerica Financial Services Home Mortgages, Inc., BROKER ONLY, NOT A LENDER. Delaware: Primerica Financial Services Home Mortgages, Inc., (PFSHMI): A Delaware Licensed Mortgage Loan Broker. Florida: Licensed Florida Mortgage Broker/Representing: Primerica Financial Services Home Mortgages, Inc., Licensed Mortgage Brokerage Business. Georgia: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3120 Breckinridge Blvd., Duluth, GA 30099: A Georgia Residential Mortgage Licensee, License #6078. Illinois: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3120 Breckinridge Blvd., Duluth, GA 30099: Illinois Residential Mortgage Licensee. Citicorp Trust Bank, fsb, the lender, would provide the funds for these loans. Citicorp Trust Bank, fsb, not PFSHMI, is the entity which affects the availability of funds. Interest rates or charges for loans are in no way recommended, approved, set or established by the State of Illinois. Kansas: Kansas Licensed Mortgage Company. Primerica Financial Services Home Mortgages, Inc. 3120 Breckinridge Blvd., Duluth, GA 30099. License No. 96-209. Kentucky: Representing Primerica Financial Services Home Mortgages, Inc., 3120 Breckinridge Blvd, Duluth, Georgia 30099. EQUAL HOUSING OPPORTUNITY. Maine: Primerica Financial Services Home Mortgages, Inc., Loan Broker License #CSO07173. Massachusetts: Primerica Financial Services Home Mortgages, Inc., Massachusetts Mortgage Broker License Number MB 0056. Minnesota: Representing: Primerica Financial Services Home Mortgages, Inc., Minnesota Residential Mortgage Originator. Missouri: Primerica Financial Services Home Mortgages, Inc. (PFSHMI): A Residential Mortgage Licensee. Montana: Primerica Financial Services Home Mortgages, Inc., 3120 Breckinridge Blvd., Duluth, GA 30099, License Number 000381. Nebraska: Primerica Financial Services Home Mortgages, Inc. (PFSHMI): Licensed as a Mortgage Banker. Nevada: Primerica Financial Services Home Mortgages, Inc., 9055 West Post Road, Las Vegas, NV 89148, 702-870-3200. New Hampshire: Licensed by the New Hampshire Banking Department. New Hampshire Mortgage Broker License Number 5367-MBR. New Jersey: Primerica Financial Services Home Mortgages, Inc. (PFSHMI), 3120 Breckinridge Blvd., Duluth, GA 30099-0001, (770) 381-1000: Licensee, New Jersey Licensed Lenders Act, Licensed Mortgage Banker, Licensed by the New Jersey Department of Banking and Insurance (Certain Locations). PFSHMI does not make any mortgage loan commitments or fund any mortgage loans. PFSHMI arranges loans with 3rd party providers. (1st/2nd) Citicorp Trust Bank, fsb, the lender, would provide the funds for these FIRST OR SECONDARY MORTGAGE LOANS. New York: Representing Primerica Financial Services Home Mortgages, Inc. – New York State Banking Department, 3rd Party Mortgages arranged, Registered Mortgage Broker. North Carolina: Loans solicited by Representatives of Primerica Financial Services Home Mortgages, Inc. Rhode Island: PFSHMI: A Rhode Island loan broker licensee. Texas: Primerica Financial Services Home Mortgages, Inc. Financial Services Company #71355, 3120 Breckinridge Blvd. Duluth, GA 30099-0001, 770-381-1000. Virginia: Primerica Financial Services Home Mortgages, Inc., Licensed as a Mortgage Broker by the Virginia State Corporation Commission, License #MB-1504. Washington: Washington Mortgage Broker Practices Act Licensee. This document is not intended as an offer to extend credit nor a commitment to lend. The loan interest rates, fees, and terms presented herein are for illustrative purposes only and may not be currently available. This document has been prepared to assist real estate professionals in illustrating some of the financing options available to consumers.
Lender and Primerica Financial Services Home Mortgages, Inc. are affiliated companies of Citigroup. Loans secured by residential real estate. EQUAL HOUSING OPPORTUNITY.
G.O.O.D. Loan™
California: Primerica Financial Services Home Mortgages, Inc. Loans arranged pursuant to a Department of Corporations, California Finance Lenders License. Maine: Primerica Financial Services Home Mortgages, Inc., Loan Broker License #CSO07173. New Jersey: Primerica Financial Services Home Mortgages, Inc. Consumer Loan License #8800285, Broker Only. Rhode Island: Primerica Financial Services Home Mortgages, Inc.: A Rhode Island Loan Broker Licensee.
Lenders, Citibank, N.A. and Citicorp Trust Bank, fsb are affiliates of Primerica Financial Services Home Mortgages, Inc. Loans are made by Citibank, N.A., except in California where loans are made by Citicorp Trust Bank, fsb, a California Finance Lender Licensee. Contact local Primerica representatives for availability.
The Business Opportunity
The Primerica business opportunity involves the sale of term life insurance and other financial services products such as mutual funds, variable annuities and debt consolidation loans. Primerica representatives are independent contractors, not employees of Primerica or its parent company Citigroup.
Personal Income
Any cash flows or success stories stated are not intended to demonstrate the earnings or success levels of typical RVPs/representatives. Rather, they reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow or success level. Most RVPs/representatives do not achieve the cash flow or success levels illustrated. In the 12‑month period ending in December 2007, Primerica’s sales force consisted of approximately 100,000 life‑licensed representatives, to whom the Company paid a total of $682,000,000 in compensation, an average of $6,820 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.
Press Room
The Primerica Newsroom includes unedited articles about Primerica written by third party news organizations. These organizations are not affiliated with Primerica or any Primerica Companies. The articles are included for information/educational purposes only.
Independent Business Application Inquiries
For new members of the Primerica sales force who have inquiries concerning Independent Business Application (IBA) fees, please refer to the Basic Agreement pages in your IBA.
For additional IBA fee inquiries send email to:
For inquiries regarding Primerica Online fees, send email to:
Recruiting Inquiries