Primerica: The Total Package. Your One-Stop Financial Services supermarket with home delivery

Primerica: The Total Package Your One-Stop Financial Services supermarket with home delivery

You re Busy and Your Time Is Limited The Past Fifty years ago, we lived, worked and shopped in a more compartmentalized society. We went to the butcher to buy our meats, to the mechanic for our car maintenance, to the clothing store or tailor for our clothes. The day was filled with errands, and we moved at a slower pace. For most families, the husband worked outside of the home, and the wife stayed home. The Present Today we live in a busier, fast-paced society the age of mega-stores and one-stop shops. You can get your clothes, car service and groceries all in one place. We live in the age of the one-stop shopping experience. Often, both husband and wife work outside the home we re busier than ever. In the age of one-stop shopping, did you know you can do the same thing when it comes to your financial life? Primerica is a different kind of company for a different kind of family. We re a one-stop financial services supermarket with home delivery that serves Main Street families. We know you re busy and your time is limited. The rest of the financial services industry is behind the times they expect you to have multiple relationships to handle your insurance, investment and debt needs. What if there were a company that could help you with nearly every aspect of your financial life income protection, retirement, debt solutions and you didn t even have to leave your home? Primerica is that company.

Who Is Primerica? Primerica is the largest independent financial services marketing organization in North America. Listed on the New York Stock Exchange (PRI) Greater than 2 million client investment accounts * Over 4 million lives insured through our life companies * Do business in the U.S., Canada and Puerto Rico Our Mission Primerica helps families earn more income and become properly protected, debt free and financially independent. Our History Primerica is a Main Street company for Main Street families. Most financial services companies are more than 100 years old and were started on Wall Street. Not Primerica, we re different. We were founded in 1977 by a former high school coach. That educational, Main Street approach is still a cornerstone of our company today. We help families from all economic backgrounds learn how money works and how they can work towards a better financial future. At Primerica, no client is too big or too small. Who We Are We are a financial services company with a unique and efficient distribution model. Our distribution model allows us to deliver financial products that families actually need. We have been in business since 1977 with a proven track record. We have one of the largest securities sales forces in North America. We are a public company traded on the New York Stock Exchange under the symbol PRI. We are an accredited member of the Better Business Bureau. www.bbb.org/us We are highly regulated by outside agencies. * As of December 31, 2013 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, Executive Offices: Duluth, GA, in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada, Main Office: Mississauga, Ontario, in Canada.

How We Do What We Do Primerica teaches people how money works so they can make informed decisions about how to manage their finances. We provide a Financial Needs Analysis to give clients a snapshot of their financial situation. It s completely complimentary. Primerica offers a variety of products and services designed to help people get properly protected, get out of debt and become financially independent. Primerica Is Your ONE STOP Financial Services Supermarket with Home Delivery: Protecting families with: Life Insurance Auto & Home Insurance Referral Program Long Term Care Insurance Long Term Care Insurance Placement Program Legal Protection Helping people to get out of debt with: Free guidance on reducing expenses on things such as home phone, Internet, cable, etc. Primerica DebtWatchers Debt Resolution Helping people achieve financial freedom by investing in: Mutual Funds Annuities Managed Accounts And we use tax-deferred accounts: IRAs Traditional, Roth, SEP and SIMPLE College Savings Plans And we have retirement plans for businesses: 401(k) Plans and 403(b) Plans Payroll Deduction Plans Complimentary for Employers

Primerica s Credibility Look at the companies we do business with: Life Insurance Primerica Life Insurance Company Primerica Life Insurance Company of Canada Managed Accounts 1, 4 Annuities 1, 3 Debt Solutions 1, 6 Referrals by Primerica Client Services, Inc. to 401(k) Plans 1, 3 Mutual Funds 3, 5 Primerica DebtWatchers 1, 2 Offered by Primerica Client Services, Inc. through contractual agreement with Auto & Home Insurance Referral Program Quotes from such companies as: Safeco and Progressive Long Term Care Legal Protection Primerica Legal Protection Program 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 Prim erica Parkway, Duluth, Georgia 30099-0001. 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. In 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. 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.

Income Protection Life Insurance Life insurance is the cornerstone of our business. Since 1977, Primerica has offered term life insurance, giving families the coverage they need at a price they can afford. Nobody Understands What Families Need for Life Insurance Like Primerica Simple, affordable term life insurance Benefit- and feature-rich solutions Your own representative interested in you Up to 70% of face amount terminal illness benefit with waiver of premium with a maximum of $400,000 Industry leading renewal options Family banding Unique custom term solutions Increasing Benefit Rider An Industry Leader Since 1977 Primerica s life companies stand tall in the industry. Pay an average of $3 million in claims every day 95% of claims are paid within 14 days More than $675 billion of life insurance in force* Rated A+ (Superior) by A.M. Best. Only 15 percent of life companies meet this standard** * As of December 31, 2013 ** 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 Life Companies: Primerica Life Insurance Company Primerica Life Insurance Company of Canada National Benefit Life Insurance Company

Auto & Home Insurance Referral Program You can take the hassle out of protecting your assets with Primerica Secure and Answer Financial, Inc. Get competitive rate quotes in 10 minutes or less. Shop among top-rated insurance providers to help you find great coverage for your money. There is no obligation to buy just an opportunity to save money and get the coverage you deserve. Estimated 6-month Premium: * MetLife $359 21 st Century Insurance $596 Safeco Insurance $614 The Hartford $631 The ability to compare. The freedom to choose. All while saving up to $466 or more! Primerica s Auto & Home Partner: Answer Financial, Inc. compares top-rated companies to bring you the best rates. You could save hundreds of dollars simply by comparing rates from top companies. Long Term Care Insurance 7 out of 10 people will need long term care after age 65. As the cost of health care continues to rise, the costs associated with long term care are also increasing. The cost of long term care services could quickly wipe out assets that you have worked long and hard to accumulate. Long term care insurance covers a variety of services which help meet both the medical and non-medical need of people living with a chronic illness or disability who cannot care for themselves for long periods of time. Having long term care insurance helps people get the care they might need and saves them from having to spend down their assets to pay for care. Primerica s Long Term Care Partners: Two programs: Rep-licensed and appointed plans offered by Genworth Financial John Hancock One-of-a-kind referral program - Main Street LTCI Placement Program Legal Protection Primerica helps you protect your income and assets through the Financial Needs Analysis. The Primerica Legal Protection Program (PLPP) may help to protect you against those potentially devastating legal problems. PLPP gives you legal empowerment and the knowledge that a qualified Provider Law Firm is in your corner. Benefits: Legal consultation and legal assistance services Will benefits Directive to physician / living will Durable power of attorney Probate benefits Motor vehicle-related benefits Trial defense benefits And more! Take a look at the average annual costs for three types of long term care services: Home health aide: $44,479 Assisted living facility: $41,400 Nursing home (private room): $83,950 (Source: Genworth 2013 Cost of Care Survey) Also available: PLPP Business Owner Plan Primerica s PLPP Partner: Pre-Paid Legal Services are offered by Primerica Legal Protection Program * 6-month premiums are based on the automobile premium survey results posted on the California Department of Insurance website (www.insurance. ca.gov) for rates effective as of January 1, 2011, and for the following scenario: (1) coverage type = standard, (2) location = Paso Robles, (3) insured = single male, (4) years licensed = 16 to 40, (5) annual mileage = 7,600 10,000, (6) driving record = no violations or accidents, and (7) vehicle = Honda Accord. Each carrier represented has full financial responsibility for the products it offers. The hypothetical examples are in no way an official recommendation of a particular insurer nor are they an exclusive list of the carriers available through Answer Financial. Savings amount is based on survey responses from Primerica customers who declared saving money after purchasing insurance from Answer Financial. Savings amount represents the estimated savings statements provided by these customers during July 2012 to December 2012. Average reported savings were $466 per year.

Investments & Savings Mutual Funds Mutual funds are one of the most effective long-term savings vehicles. Mutual funds are a great way to become an owner, not a loaner. They give average families the advantage of investing in the economy with the opportunity to minimize risk with professional management and diversification.* There s no doubt that there is some risk after all, you re buying a little piece of the economy, and the economy is influenced by many factors. But, as you ve learned here, in exchange for that risk, you have the potential for a rate of return that few other investments offer. Primerica s Mutual Fund Partners: AllianceBernstein American Century Investments American Funds Invesco Fidelity Advisor Funds Franklin Templeton Investments Legg Mason MFS Investment Management OppenheimerFunds Pioneer Investments Putnam Investments Mutual funds are actively managed portfolios and incur advisory fees and internal management costs. The value of a fund fluctuates and, when redeemed, may be less than the original value. Read the mutual fund s prospectuses to determine how a fund may invest and to determine its current holdings. Investments in mutual funds involve risk and do not assure a profit. * Diversification does not assure a profit or protect against loss.

Managed Accounts A managed account is an investment program that offers an actively managed portfolio comprised of securities selected by investment professionals. Managed accounts may provide you with the peace of mind that comes with a professionally managed investment. Primerica Advisors Freedom Portfolios are designed to provide you with a single diversified portfolio of high quality mutual funds across multiple fund families. Securities are owned by an individual investor and managed by a professional money manager. A management team is authorized to make transactional decisions based on your goals and objectives. Managed accounts provide actively managed asset allocation strategy and an opportunity to own a customized portfolio administered by a professional money manager. Primerica s Managed Accounts Partner: Primerica has partnered with Lockwood Advisors, Inc., as the money manager for Primerica Advisors Freedom Portfolios. Lockwood is a leading provider of managed account solutions to financial institutions and financial advisors. Annuities Primerica offers two kinds of annuities products: variable annuities and fixed annuities. Variable annuities are long-term contracts between an individual and an insurance company. Variable annuities contain both investment and insurance features and are designed specifically for retirement. Fixed annuities are long-term contracts between an individual and an insurance company. Fixed annuities provide a fixed rate of return that is guaranteed by the issuing company. Primerica s Annuities Partners: Lincoln Financial Group MetLife Investors AXA Investments in annuities are not FDIC insured or bank-guaranteed and may lose value. Variable annuities are subject to market risk, including the possible loss of principal. Variable annuities are sold by prospectus only. 401(k), 403(b) and 457 (b) Plans Primerica s 401(k) plan and 403(b) plan offerings are individual and employer-sponsored retirement plans that grant employees the opportunity to contribute a portion of their salary on a tax-deferred basis into investment vehicles, such as mutual funds and annuities. Primerica s 401(k) Partners: Preferred plan providers: AXA Voya American Funds Fidelity Advisors Preferred third-party administrator (TPA): Ascensus Primerica s 403(b) Partners: Any of our approved mutual fund partners that have been approved as an investment option in a non- ERISA 403(b)7 plan K-12 schools, colleges, churches, hospitals, etc. Primerica s 457(b) Partner: AXA All investments are subject to risk, including the loss of principal. Complimentary Payroll Deduction Plans Primerica offers a complimentary service to employers where they can help employees set aside part of their net pay into emergency funds, IRAs or college savings plans. All investments are subject to risk, including the loss of principal. It is important to remember that there are risks inherent in any investment and that there is no assurance that any money manager, mutual fund, asset class, style or index will provide positive performance over time. Primerica Advisors Freedom Portfolios contain open-end mutual funds. Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund before investing. This and other important information can be found in the fund prospectus and or summary prospectus, which may be obtained through your financial advisor or by calling the fund or by visiting the fund s website. Please read each fund s prospectus carefully before investing. Lockwood is an SEC Registered Investment Adviser and an affiliate of Pershing LLC, each subsidiaries of The Bank of New York Mellon Corporation. Pershing LLC, member FINRA, NYSE, SIPC. Lockwood serves as the money manager with respect to Primerica Advisors Freedom Portfolios and is responsible for developing and providing asset allocation strategies and investment selections for each asset class from a selection of mutual fund families chosen by Primerica. Lockwood periodically reviews the asset allocation strategies and investment selections for adherence to the investment objective. Lockwood exercises limited discretion in order to implement certain model updates, which may include changes to the asset and style allocation and/or the replacement of investment vehicles. Lockwood, in its sole discretion, may rebalance a client account in such instances as are believed to be or determined by Lockwood to be in the client s best interests. Lockwood reviews each account s drift from the selected model on a regular basis and rebalances a client account as circumstances warrant.

Debt Solutions Debt Resolution By referring clients to Freedom Financial Network, LLC (FFN), Primerica is bringing more debt solutions to more Main Street families in need. FFN helps residents in certain states struggling with consumer debt. FFN s debt relief platform offers the following debt settlement and tax relief services and FFN refers consumers to credit counselors and bankruptcy attorneys where applicable. Debt settlement provides consumers with serious financial hardships an alternative to bankruptcy while tax relief services may be an option for consumers who have overwhelming IRS debts. Primerica s Debt Solutions Partners: Primerica DebtWatchers TM offered by Primerica Client Services, Inc. through contractual agreement with Equifax Consumer Services, LLC. Debt Settlement and Tax Relief offered through Freedom Financial Network, LLC or its affiliated companies. This brochure is a summary only and does not include all program terms, conditions, and exclusions. Please refer to www.freedomfinancialnetwork.com for additional important disclosures. Not available in all states. Primerica and representatives of Primerica do not directly or indirectly provide the Freedom Financial Network services described herein, do not act as an intermediary between Freedom Financial Network customers and their creditors, and do not imply, promote or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by use of the Freedom Financial Network services. Neither Primerica nor its representatives are certified or registered financial planners or tax advisors and do not offer or provide services such as credit repair or improvement, budget planning, debt or credit counseling, debt settlement or other similar services.

Primerica DebtWatchers Primerica DebtWatchers is an innovative product that is different from other products in the marketplace. It s an online tool that gives clients the information and the accountability they need to get on a path to debt freedom. Using information from the client s Equifax Credit Report, Primerica DebtWatchers software program empowers clients to create a customized plan that shows clients how to pay off debts in an efficient way. Primerica DebtWatchers also includes a host of other features, including $1 million in identity theft protection insurance (certain limitations and exclusions apply). Primerica, representatives of Primerica, Equifax Consumer Services, LLC, and Primerica DebtWatchers will not act as an intermediary between Primerica DebtWatchers customers and their creditors and not imply, promise or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by use of the Primerica DebtWatchers product. See myprimerica.com for additional Important Disclosures. Primerica DebtWatchers is a trademark of Primerica, Inc. References to Equifax refer to Equifax Consumer Services, LLC, a wholly owned subsidiary of Equifax, Inc. Identity theft insurance is underwritten by member companies of America International Group, Inc. The description herein is a summary only. Debt Stacking Retail Card 1 $220 +$220 Target Account Credit Card 2 $353 Credit Card 2 $573 +$573 Extra Debt Payment Amount As each debt is paid off, you apply the amount you were paying to that debt to the payment that you were making on the next target account. Car Loan $551 Car Loan $551 Car Loan $1,124 +$1,124 Credit Card 1 $303 Credit Card 1 $303 Credit Card 1 $303 Credit Card 1 $1,427 +$1,427 Mortgage $1,293 Mortgage $1,293 Mortgage $1,293 Mortgage $1,293 Mortgage $2,720 Total $2,720 Total $2,720 Total $2,720 Total $2,720 Total $2,720 Payoff Interest Saved Interest Paid Monthly Payments Without Debt Stacking 23 years $0 $214,442 $2,720 With Debt Stacking 9 years 14 years sooner $130,643 $83,799 $2,720 Once debts are paid off, invest $2,720 each month until age 67 the total, given a 9% return, is $2.4 million. * The examples are 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 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 the 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. * The hypothetical assumes a constant nominal 9% rate of return compounded monthly, unlike actual investments, which will fluctuate in value, and does not include taxes or fees, which would reduce returns. Investing begins once debts have been paid off (at age 44).

Primerica 90-Minute Challenge Monthly expenses can severely inflate the average family s budget. There are areas where many families are overspending, such as insurance, communications and media. We offer complimentary guidance on how you can potentially reduce monthly spending and expenses on things like cell phone, home phone, cable, Internet, etc. You could be surprised at how much your savings could add up when you find that hidden money and redirect it towards a better financial future! Wouldn t you feel comfortable doing business with a company of this magnitude? As the largest independent financial services marketing company in North America, we have all the resources our clients need to build the foundation for a solid financial future. We have partnered with some of the most respected companies in the financial services industry to bring you a true one-stop shopping experience when it comes to choosing the right financial products and services for your family. We meet with you in your home across the kitchen table to help you map out a path towards a better financial future. Don t stress yourself out by running all over town or spending hours on in the Internet trying to figure out the complex and sometimes confusing world of personal finances. Your Primerica representative makes it easy. We have a full menu of services that you can choose from a la carte we help you choose the right products and services for your personal situation. Securities offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, GA 30099-0001. Primerica and PFS Investments are affiliate companies. The ability of a Primerica representative to offer the products and services mentioned is dependent upon state and federal licensing requirements. 2014 Primerica / 48604 / 9.14 / A9265 / 14PFS104-9