A Main Street Company
Delivering to
Main Street Families
The Power of Primerica
Two of our Anchor Investors
First Day of Listing on the New York Stock Exchange
The Re-founding of Primerica
Ticker Symbol: PRI• More than 200 Institutional Investors in five countries
participated in more than 65 presentations about the
Primerica business model.
• 96% chose to invest in Primerica including 8 of the 10
largest mutual funds in North America
• 20 times more demand for shares than supply
View of PRI by Institutional Investors: • Unique distribution capabilities
• Predictable and proven business model
• First-class, credible management team
Warburg Pincus • Private equity firm with offices in the
United States, Europe and Asia
• Private equity investor since 1966
• Approximately $25 billion in assets under
management
“At Warburg Pincus, we look for
companies that we believe deliver high
value products to the consumer. We
believe Primerica is uniquely posi-
tioned to be the top financial services
distributor in North America.”
Michael E. Martin, Partner, Warburg Pincus & Co. and
Managing Director, Warburg Pincus LLC.
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
“Baron Funds invests for the long term in
what we believe are unique, well-financed
businesses with open-ended growth opportu-
nities and sustainable competitive advantag-
es. 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 build-
ings.’ 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.Each Primerica company is responsible for its own financial obligations.
We’re a Main Street Company for Main Street North America!
Survey says: “Mounting media distrust ... “Pew Research Center, September 2009
“Americans ... Distrust Wall Street.”www.dailykos.com, April 9, 2010
“Americans’ Distrust Rampant.”The Sun News, April 23, 2010
Our Market and Mission
The solution is YOU, pluggedinto a Main Street Company
you can trust! Primerica, Inc.
In the U. S. 3100 Breckinridge Blvd.Duluth, GA 30099
In Canada2000 Argentia RdMississauga, ON L5N 2R7
Our mission is to help families become properly protected, debt free and financially independent.
Insured Cause of Death Death Benefit Death Benefit Survived By Before Primerica After Primerica
Male, age 41 Motorcycle Accident $150,000 $643,000 Wife & 2 children, ages 6 & 12
Male, age 26 Iraqi Sniper Fire $0 $400,000 Expectant wife
Male, age 34 Shot while on $37,000 $550,000 Expectant wife police duty & 1 child, age 3
Female, age 22 Vehicular Accident $0 $250,000 Infant child
Female, age 34 Cancer $0 $295,000 Husband & 2 children, ages 4 & 8
Male, age 32 Vehicular Accident $40,000 $200,000 Wife & 3 children, ages 5, 10 & 11
Female, age 50 Pneumonia $80,000 $400,000 Husband & son
That’s why we sell term insurance 100% of the time:
What We Do
We help Main Street families get the protection they need at a price they can afford.
We help Main Street families invest for the future While many other financial professionals no longer take on clients with portfolios of less than $100,000, $200,000 or
$250,000, Primerica is committed to helping Main Street families invest for the future through mutual funds.1
Our minimum to invest: $250 lump sum or monthly bank draft of $25.2
Both are among the lowest thresholds in the industry!
1 www.investmentnews.com, viewed on May 20, 2010 2 In Canada, minimum lump sum is $500 for Concert and Common Sense Funds. 3 Dollar-cost averaging does not assure a profit or protect against a loss. Investors should consider their ability to continue investing in a declining market.
We teach families fundamental financial principles that
aren’t taught in school:
Dollar-cost averaging• 3
The Power of Compound Interest•
Bypass the middleman•
The Rule of 72•
And more!•
We help families eliminate their debt through common
sense debt solutions
We sell only fixed-rate, fixed-term loans.
No balloon loans•
No ARMS•
No interest-only mortgages•
We don’t sell complicated financial products. •
If you can’t understand it, we don’t offer it!
We don’t change products based on the trends!•
We don’t follow the fads.We lay a foundation.
Other companies Primerica’s companies
1970s Whole Life 100% term life insurance
1980s Universal Life 100% term life insurance
1990s Variable Universal Life 100% term life insurance
2000s Return of Premium/Whole Life 100% term life insurance
2000s ARMS, interest-only loans, balloon mortgages Fixed-rate, fixed-term loans
2000s Complicated derivative investments Professionally managed mutual funds
Families Helping Families
What would an extra
$ 500 $ 1,000 $ 2,000 $ 4,000a month mean for your family?*
Our Business Model:
RL Dan & Angela Ballard Canton, MI Full-time Occupation: Utility Company Clerk Average Monthly Part-time Primerica Income: $3,145* Dan & Angela earned $11,520 in December 2009!“My wife and I have been able to pay off our house and put hundreds of thousands of dollars in retirement accounts because of our Primerica income. I’m able to make as much money working 10 hours a week at Primerica as I can working 10 hours a day at my full-time job!” RL Eric & Dawn Arksey Maple Ridge, British Columbia Full-time Occupation: Photographer/Entrepreneur Average Monthly Part-time Primerica Income: $1,309* Eric & Dawn earned $2,308 in March 2010! “The biggest thing we’ve been able to do because of our Primerica part-time in-come is to replace Dawn’s income. Now, she can give our family the attention she wanted to. Plus, we have a nice savings buffer so when things like our son’s recent ski trip come up, we don’t have to stress about how to pay for them.”
RL Chris & Cat Melendy Middleboro, MA Full-time Occupation: Firefighter Average Monthly Part-time Primerica Income: $4,385* Chris & Cat earned $10,664 in January 2010! “Because of Primerica, we’ve been able to go on family vacations every year. We now have an emergency fund and are fully funding an IRA each year. Best of all, we can now pay cash for everything. Before Primerica, when we went on vacation, we’d have to save for a year before we left and then still end up putting the trip on our credit cards. Now, we don’t have to do that. It’s an amazing feel-ing! I wish we’d have found out about Primerica 10 years sooner!”
SRL Monique & Gary Carter West Bloomfield, MI Full-time Occupation: Real Estate Broker Average Monthly Part-time Primerica Income: $2,304* Monique & Gary earned $4,893 in April 2010! “A couple of years ago, when the market slowed down, I was working 90 hours a week but was still on the verge of losing my home, my business and my income. I saw the Primerica part-time opportunity as a chance to supplement my full-time income while helping other people like me get back on track financially. I love being a part of this company!”
Off to a Fast StartThese part-time representatives just started in the business and are already having success:
RL Navdeep Gill Brampton, Ontario Full-time Occupation:Department Store Supervisor Life Licensed: April 16, 2010 Navdeep earned $2,933 in her first licensed month in the business.* “I believe Primerica will help me become finan-cially stable. Because of Primerica, my husband and I now have the chance to live our dream life and provide a better future for our kids.” RL Jeffrey Herron Thorsby, AL Full-time Occupation: Youth Pastor Life Licensed: April 14, 2010 Jeffrey earned $3,098 in April, his first licensed month.*“I plan to use my Primerica income to take my family on vacation, start planning for our future and pay off our home. I love that this business allows me to meet the financial needs of families in my community, while earning a great income!”
DIV Kim & Jason Howell Kingsburg, CA Full-time Occupation: Bookkeeper Life Licensed: February 23, 2010 Kim & Jason earned a total of $5,930 from February through April!* “Jason’s been out of work for a few months, so our Primerica income is getting us back to a ‘comfortable’ level again. We’re starting to pay down some of our debt and to do some of the small home improvements we’ve been putting off because we couldn’t afford them. For the first time in a long time, I truly believe our life can be different than it has been!”
Step 1: Begin Part TimeEarn while you learn• 1
Professional opportunity• Only $99 to join (plus $25/month for Primerica Online support system)• 2
No kit or inventory to buy!•
What would an extra
a month mean for your family?* 1 In Canada, the part-time opportunity is not available in all jurisdictions. Where available, it is subject to cer-
tain restrictions. 2 In Canada, add applicable taxes.* Average part-time incomes are based on the average of the 12 months ending April 30, 2010. See Important Earnings Disclosure on back page.
OR
Your Job
Your Life Revolves Around Your Job
Your Life
Your Business Revolves Around Your Life
Step 2: Build Your Business as an RVP (Regional Vice President)
Which Would You Rather Have?•
Meet some full-time Primerica representatives:
SVP Todd & Alisa Greer Houston, TX Former Occupation: Medic Former Income: $30,000 Primerica Income: $392,048* Todd & Alisa left corporate America in 2001. Because of Primerica, by the time they were 30 years old, they’d socked away $500,000! “We have a great life because of Primerica. We’re able to be the ‘go to’ people for our family. Our kids go to the best schools, we’re able to help our family out financially and we live in a nice house. But, more than ‘things,’ our Primerica income has
allowed us to do what we’re most passionate about – helping people! We give thousands of dollars to different charities each year. Those charities are what make us work harder, so we’ll be able to do more.”
RVP Susan & Art Carreon Riverside, CA Former Occupation: Merchandiser Former Income: $16,000 Primerica Income: $255,072* Susan & Art earn an average of $21,256 each month! “Because of Primerica, I was able to retire my husband at age 40 from corporate America. He’s been with me full time in the business for nearly 10 years now. We were able to send our youngest daughter to college without incurring any debt. Now she and her two sisters are in the business with us. We love being able to grow our business as a family!”
RVP Ketan & Smita Parekh Akron, OH Former Occupation: Manufacturing Manager Former Income: $50,000 Primerica Income: $214,060* Ketan & Smita started the business part-time in 1993. Nine months later, Ketan fired his boss and went full time in Primerica. “We feel so blessed to be a part of this business. Primerica has truly given us freedom! My wife was able to quit her job, early on, and stay at home with our 12- and 8-year-old. When we found out we were expecting our third child 18 months
ago, our Primerica income enabled us to really enjoy the surprise. We never had a conversation about how we would afford another child. It’s such a great feeling to not worry about things like that. We’ve also been able to do other things like travel and purchase a home for my parents in India. It’s a great life!”
RVP Kari Thompson & Tabre McCafferty Pickering, Ontario Former Occupation: Homemaker/Student Former Income: $0 Primerica Income: $102,059* Kari & Tabre joined Primerica in 2000. Their business is a great example of how the Primerica system really works. “A few months ago, we were in Hawaii and I got hit by a strong wave while boogie-boarding. It broke my back and I was in bed recovering for several weeks. What’s so incredible about the Primerica system is I never had to worry about my income or
whether or not my business would still be OK while I was out. Even now, when I miss time in the office for doctor visits or for physical therapy, our team picks up the slack and keeps our business growing!”
RVP Miranda & Marco Boyce Las Vegas, NV Former Occupation: Restaurant Services Former Income: $25,000 Primerica Income: $178,276*
Miranda & Marco were living paycheck to paycheck before Primerica. Their life now is “incredible.” “Marco and I were both in the restaurant industry before Primerica. We were never taught financial concepts so we didn’t know any thing different than how to live paycheck to paycheck. Primerica inspired us to think differently. Being in this environment, becoming financially educated and earning a great income while helping others learn how money works has been an incredible jour-ney. Because of this company, we’ve been able to invest a great deal of money and build up our savings. We have a great quality of life!”
*See Important Earnings Disclosure on back page.
We Are an Innovative CompanyPrimerica representatives are in business FOR themselves but not by themselves. We develop cutting-edge and award-winning technology to simplify a rep’s business and give them more time to build.
TurboApps Allows Primerica reps to
process applications – paper free from a
handheld device!
Primerica Ring Interact with
clients and teammates through
video collaboration
Primerica Online A built-in
entrepreneurial support system
Builders Track System and Scoreboard
Online activity system allows new
recruits to get off to a fast start
Video Email Allows representatives to
send a variety of approved recruiting
videos via email
Client Account Manager* Powerful
client reporting tools and investment
research tools
Portfolio Solutions* Representatives
can create a professional sales
presentation in less than three
minutes with pre-loaded
Ibbotson Model Portfolios
We utilize technology to support and build people,not to replace people!
*For use by securities-licensed reps only.
Primerica 2010
Re-founded PRI as a “new” public company with a 33-year proven business model
Main Street families are more confused than ever.
Main Street families have more financial problems than ever.
Main Street families NEED Primerica more than ever.
The FutureToday: Primerica is the largest independent financial
services marketing organization in North America.
The Future: We’re exploring new ways and new products to help us help Main Street families.
Expected Results: Gigantic growth in distribution
“Primerica is poised for tremendous growth. Our goal is to dramatically increase the size of our distribution force and have tremendous growth in the number of $100,000 earners in our company. We are a truly unique company at a unique moment in our company’s growth. If you’re looking for something better in your life and desire financial freedom and a better quality of life for your family, I believe Primerica is the place for you!”
John AddisonCo-CEO, Primerica, Inc.
NOW is the time to join Primerica.
Freedom Lives HereTM
www.primerica.com
© 2010 Primerica / 41047 / A9134 / 7.10 / 10PFS243
Important Earnings Disclosure 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 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.
In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY; 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.
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.
In the United States, loan products are offered by Primerica Financial Services Home Mortgages, Inc., through affiliated lenders. Please see www.primerica.com for Important Disclosures. In Canada, Primerica does not deal in mortgages, Primerica Representatives refer clients to AGF Trust Company.