1. Referrals/Earn Your Business/Expansion
For use in New York only.
© 2012 Primerica/43874/2.12/NY/11PFS648-2

2. The Financial Services Company
For the 21st Century
• Founded in 1977 with 85 people
• 6 million clients in the United States,
Canada and Puerto Rico
• Largest financial services marketing
organization in North America
• Listed on NYSE (PRI)
All of this without any national TV or radio advertising!

3. The Financial Services Company
For the 21st Century
1. Warburg Pincus,
Baron Fund & many
other companies
are investors in
Primerica.
2. Accredited member of
Better Business Bureau
3. Primerica’s life companies rated
A+ (Superior) by A.M. Best
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; and Primerica Life Insurance Company
of Canada, Home Office: Mississauga, Ontario, in Canada. Primerica’s life companies’ 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.

4. Ask Yourself Three Questions
As We Go Through The Presentation
1. Is there a need for what we do?
2. Are these financial concepts helpful for you?
3. If your family and friends implemented these
concepts, would they be better off?
Our Mission:
To help families become properly protected,
debt free and financially independent

5. The Headlines Tell The Story
Six in 10 workers say that they are living paycheck to paycheck.
CareerBuilder.com Survey, April 12, 2011
“Average credit card debt among households with balances on their cards:
$15,788.”
AARP Bulletin, July-August 2010
More than half of Americans have no emergency savings.
Time.com, August 11, 2011
Bankruptcies topped 1.5 million in 2010.
CNNMoney.com, January 3, 2011
68 million Americans have no life insurance.
LifeHealthPro.com, June 14, 2010
More than half of all workers have less than $25,000 in savings and
investments for retirement.
Employee Benefit Research Institute 2011 Retirement Confidence Survey
How real and serious are these problems?

6. People Don’t Plan to Fail,
They Fail to Plan
The Problem: The Solution:
Traditional financial institutions sell A Financial Needs Analysis.
you products. They don’t provide you A customized, confidential and
with a total solution. complimentary program that helps
you achieve your goals and dreams.
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It helps you find answers to
important questions.

7. Do You Know Your
Financial Independence Number?
If you want to be financially free, you need
an estimate of how much you will need to
accumulate — your personal Financial
Independence Number (FIN)! Knowing this
number is a critical first step.
You want to retire in 30
years, with $30,000 a year…
30 years from now, after
3% inflation… $73,000 spends
like $30,000 does today. Your FIN is $1,079,000
To get there, invest $473 per month for 30 years at 10% = $1,079,000
How important is it to know your Financial Independence Number?
This hypothetical example assumes 20 years of retirement income needed, at a 6% post-retirement rate of return and 3% inflation. Hypothetical investment
rates assume a nominal 10% rate of return, compounded monthly, and is not indicative of any specific investment. Any actual investment may be subject to
taxes and fees, which would lower performance. This example shows a constant rate of return, unlike actual investments, which may fluctuate in value. It is
unlikely an investment would grow 10% on a consistent basis, given current market conditions.

8. Bypass the Middleman —
Become an Owner, Not a Loaner
Traditional Financial Institutions
Banks, Credit Unions, Insurance Companies =
Historically Low Rates of Return
Do The Banks Want You To Know This?
CDs and savings accounts are generally FDIC insured up to $250,000. This limit expires December 31, 2013.
Cash value life insurance offers life insurance components in addition to the investment component.

9. The Rule of 72…
Sometimes called the Bankers Rule
Divide your interest rate into 72 to find the
approximate number of years it takes for money to double!
• How do you win a
Years 3% 6% 12% game if you don’t
know the rules?
0 $10,000 $10,000 $10,000
• Do banks or insurance
6 $20,000 companies have any
incentive to teach us
12 $20,000 $40,000 this rule?
18 $80,000 • Who would benefit
from learning this
24 $20,000 $40,000 $160,000 rule?
30 $320,000 • Shouldn’t we have
learned this rule in
36 $80,000 $640,000 school?
42 $1,280,000
48 $40,000 $160,000 $2,560,000
Without introducing us to family and friends, how would they learn the “Rule of 72?”
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.

10. The First Step to Financial Success is
Pay Yourself First
When you don’t, there’s a high cost of waiting.
$100 Monthly Savings @ 10% for 40 Years (Age 25-65)
25 $637,680
Wait 1 year 26 $576,090 (-$61,590)
($1,200)
Wait 5 years 30 $382,830 (-$254,850)
($6,000)
Wait 15 years 40 $133,790 (-$503,890)
($18,000)
Who are people hurting if they wait?
Rates of return are constant and nominal rates, compounded monthly. Contributions are assumed to be made at the beginning of the month. The chart
above is not indicative of any particular investment or savings vehicle where rates of return fluctuate. It does not take into consideration taxes or other
applicable deductions, which would lower results. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

11. What a Difference Term Can Make
Death Benefit Before Primerica Changed to Primerica’s Term
John $150,000 $300,000
Mary $150,000 $300,000
Children $0 $25,000
Total Coverage $300,000 $625,000
Which program would you want?
Policy form numbers: term insurance for primary insured (age 35, non-tobacco use)
totaling $300,000 (NC530), for spouse (age 33, non-tobacco use), totaling $300,000

12. The Theory of Decreasing Responsibility
How Life
Works
Today
1. Young children At Retirement
2. High debt 1. Grown children
3. House mortgage 2. Lower debt
3. Mortgage paid
Loss of income would
be devastating Retirement income
needed
What life insurance company do you know of that teaches people
how to eliminate the need for life insurance?

13. Solution: Build Your Financial House
Other Goals and Dreams
College Savings
Retirement
Debt Elimination
On a scale of 1-10,
Budget - Emergency Fund - Will* 10 being the highest,
how would you rate your
Protect Your Income / Term Life desire to become properly
“A good rule of thumb is that you need between
protected, debt free and
eight to ten times your annual salary in life financially independent?
insurance coverage.”
— The Wall Street Journal, April 12, 2006
* Primerica Legal Protection program. Exclusions and limitations may apply. See plan for details.
Primerica representatives do not provide legal, tax or estate planning advice.

14. Solution: Debt Stacking
Age 35
As each debt is paid off, you
Retail Card 1 $220
$220 + $220 apply the amount you were
paying to that debt to the
payment that you were making
Credit Card 2 $353 $573
$353 + $573 on the next target account.
Car Loan $551 $551 $1,124 + $1,124
$551
Credit Card 1 $303 $303 $303 $1,427 + $1,427
$303
Mortgage $1,293 $1,293 $1,293 $1,293 $2,720
$1,293
Total $2,720 $2,720 $2,720 $2,720 $2,720
23 years to pay off debt and $214,442 in interest paid
Paid off in 8 years, Age 43 ( 15 years sooner) Interest saved $130,643
(Age 44) Once debts are paid off, invest $2,720 each month at 10%
@ Retirement … Age 67 = $2.8 million
Do Financial Companies Want You To Know This?
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 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 ca r 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. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions. The 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.
Investing begins once debts have been paid off (at age 44). It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

15. Are You Giving the Government
a Tax-Free Loan?
Average 2010 tax refund = $3,129
$3,129/12 months = $260/month*
$260 Monthly Overpayment for 35 years (Age 35-70)
If you make:
0% interest $109,200
3% interest $192,807
6% interest $370,425
12% interest $1,672,049
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. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or
taxes which would lower results. *CNNMoney.com, March 4, 2011

16. What the Experts Say
“Cash value life insurance is one of the worst financial products available.”
DaveRamsey.com, “The Truth About Life Insurance,” October 25, 2010
“I strongly believe that term is the best insurance for the vast majority of
people, and it literally costs a fraction of other forms of life insurance.”
The Road to Wealth: A Comprehensive Guide to Your Money, Suze Orman
“For most families, term life insurance is the simplest and cheapest way to go…”
InsuranceNewsnet.com, “All Life Insurance Is Not The Same,” December 3, 2010
“Term insurance is popular because almost everyone can afford plenty of it.”
Kiplinger.com, “How Much Life Insurance Do You Need?,” August 15, 2010
For most people, term life still offers the best combination of coverage and cost.”
WSJ.com, “Honestly, What’s the Best Policy,” May 28, 2011
“Term insurance is pure protection, like fire insurance or auto insurance.
Its sole function is to support your family if you die. You can buy large amounts
of coverage for most amounts of money — and big policies are what your spouse
and children need.”
Making the Most of Your Money Now, Jane Bryant Quinn

17. The “Time Value” of Money
Investor A Investor B
Age Annual End of Year Age Annual End of Year
Payment Accumulation Payment Accumulation
Individual A:
Started 22 $5,000 $5,520 22 0 0
When is contributing 23 5,000 11,630 23 0 0
24 5,000 18,370 24 0 0
At Age 22 25 5,000 25,810 25 0 0
26 0 0
$35,000
26 5,000 34,040
Individual A: 27 5,000 43,130 27 0 0
Stopped 28 5,000 53,170 28 0 0 Individual B:
contributing 29 0 58,730 29 $5,000 $5,520 Started
more than
30 0 64,880 30 5,000 11,630 contributing
At Age 28 31 0 71,680 31 5,000 18,370
32 0 79,180 32 5,000 25,810 At Age 29
33 0 87,480
$170,000?
33 5,000 34,040
34 0 96,640 34 5,000 43,130
35 0 106,760 35 5,000 53,170
36 0 117,930 36 5,000 64,260
37 0 130,280 37 5,000 76,510
38 0 143,930 38 5,000 90,050
The hypothetical 10% nominal rate of 39 0 159,000 39 5,000 105,000
return, compounded monthly, and tax- 40 0 175,650 40 5,000 121,520
deferred accumulation shown for both IRA 41 0 194,040 41 5,000 139,760
42 0 214,360 42 5,000 159,920
accounts are not guaranteed or intended to 43 0 236,800 43 5,000 182,190
demonstrate the performance of any actual 44 0 261,600 44 5,000 206,790
investment. Unlike actual investments, the 45 0 288,990 45 5,000 233,970
accounts show a constant rate of return 46 0 319,250 46 5,000 264,000
without any fees or charges. Any tax- 47 0 352,680 47 5,000 297,160
deductible contributions are taxed and tax- 48 0 389,610 48 5,000 333,800
deferred growth may be taxed upon 49 0 430,410 49 5,000 374,280
withdrawal. Withdrawals prior to age 59 50 0 475,480 50 5,000 419,000
51 0 525,270 51 5,000 468,390
1/2 may be subject to a 10% penalty tax. 52 0 580,270 52 5,000 522,960
Assumes payments are made at the 53 0 641,040 53 5,000 583,250
beginning of each year. Investing entails 54 0 708,160 54 5,000 649,850
risk, including loss of principal. Shares, 55 0 782,310 55 5,000 723,420
when redeemed, may be worth more or 56 0 864,230 56 5,000 804,690
less than their original value. It is unlikely 57 0 954,730 57 5,000 894,480
58 0 1,054,700 58 5,000 993,660
Individual B:
an investment would grow 10% on a Stopped
consistent basis, given current market 59 0 1,165,140 59 5,000 1,103,240
conditions.
60 0 1,287,150 60 5,000 1,224,280 contributing
61 0 1,421,930 61 5,000 1,358,010 At Age 62
Total 62 0 1,570,820 62 5,000 1,505,730
Contributions
$35,000 $170,000 Total
Contributions
$1,570,820 $1,505,730
Total Accumulation
At Age 62

18. Auto & Home, Ways to $ave Money
Primerica Secure:
Largest Comparative Quoting System
20+ Top National Insurers
Quotes from companies such as: Travelers, Safeco, Progressive,
Hartford, 21st Century, esurance
Before Primerica After Primerica
Auto & Home: Auto & Home:
John & Mary were paying Saved: $65 per month on
$243 per month for auto & their auto & home insurance…
home insurance. $65 mo @ 10% for 20 years =
$49,000 (college fund)
The more you save, the more to invest…
The average client saves as much as $478 annually on their auto insurance through Primerica Secure. This savings amount is based on a survey of insurance
premium information provided by 567 purchasers of insurance from Answer Financial based on their responses to the survey and their estimated savings
statements during 1/1/2009 and 3/31/2009. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions. Rates of
return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower results.

19. Legal Protection
Make Your Wishes Known
It’s important to have a will. If you don’t have a will and you die:
• Strangers could be the ones to decide who will raise your children.1
• The courts will determine how your money and your belongings will be distributed.
• A larger percentage of your money may go to paying taxes.
Did you know that 57% of adult Americans don’t have a will?2
Other Important Legal Benefits:
• Legal Consultation and Legal Assistance Services
• Durable Power of Attorney
• Directive of Physician/Living Will
• Motor Vehicle-Related benefits
• Probate Benefits
• Plus more…
1. Kiplinger’s, January 2012
2. dailyfinance.com April 4, 2011

20. We Are a One-Stop Financial Supermarket
With Home Delivery!
Life Insurance Managed Accounts1,4
Annuities1,3
Debt Solutions1,2
Primerica
DebtWatchers™
Offered by Primerica Client
Services, Inc. through
contractual agreement with
®
401(k) Plans1,3
Auto & Home Insurance
Referral Program
Mutual Funds3,5
Quotes from such companies as:
Travelers
Safeco
Progressive
Long Term Care Legal Protection
See endnotes pages for
important disclosure.

21. Four Ways to Earn Income
The Cash Flow Quadrant*
Employee Business
Has a job. Owns a system.
Income based on position, Has others working for him/her.
not the person. Unlimited income potential via
manufacturing, marketing, etc.
Self-Employed Investor
Owns a job. Has money working
Dentist, doctor, lawyer, hair stylist, for him/her.
real estate agent, salesperson. Enjoys complete freedom
and lives the dream.
Which two ways to earn income appeal to you most?
*The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission.
The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies, Inc. For informational purposes only.

22. The Five Reasons People Get Involved
• They don’t like their current job and are looking for a
career change & better income potential.
• They love what they do… but earning extra part-time
income each month would make a positive difference.
• They want to get a financial education so they can
learn how to win the money game.
• They love helping people and making a difference.
• They dream of having their own business.
Can you see how most people would be
interested in at least one of these areas?

23. Referrals/Earn Your Business/Expansion
For use in New York only.
© 2012 Primerica/43874/2.12/NY/11PFS648-2

24. Who we are:
• The largest independent financial services marketing organization
in North America
• Listed on the New York Stock Exchange (PRI)
• In business since 1977
• More than 6 million clients
All of this without any national TV or radio advertising!

25. Today’s Financial Challenges:
“Average credit card debt among households with balances on their cards: $15,788.”
AARP Bulletin, July-August 2010
U.S. foreclosure actions have shattered all records… and will do so again this year.
Reuters.com, January 14, 2010
68 million Americans have no life insurance.
LifeHealthPro.com, June 14, 2010
43% of American workers say they have less than $10,000 in savings.
Money.com, March 9, 2010
45% of workers feel “not too confident” or “not at all confident” that they will have
enough money to live comfortably through retirement.
Employee Benefit Research Institute 2011 Retirement Confidence Survey
Nearly eight in 10 (77 percent) workers report that they live paycheck to paycheck to
make ends meet.
Career Builder Survey, 2010
The typical American household made less money last year than the typical household
made a full decade ago.
“A Decade With No Income Gains,” The New York Times, September 10, 2009
How real and serious are these problems?
We have the solutions!

26. 100 People After Working From Age 25 - Age 65
5%
4% 1%
100 people at age 65:
54% dependent
36%
36% working
5% deceased
4% OK ($1 million) 54%
1% wealthy ($5 million)
Source: SmartMoney, 2001
Why do 95% fail when it comes to their finances?
1. No financial education
2. No financial game plan
3. No financial coach

27. Our Mission
To help families become properly protected,
debt free and financially independent
Solution:
Primerica provides
a complimentary FNA
(Financial Needs Analysis)
A Financial GPS

28. Bob And Susan Smith (Ages 35 And 33) With Two Children
Before Primerica With Primerica
Debt1: Debt1:
Bob and Susan had $165,000 1st mortgage They enrolled in Primerica DebtWatchers™, and created a Fast Pay
loan balance; payoff in 24 years and had Plan to eliminate all credit card debt, save four years of mortgage
a total balance of $13,000 on three credit loan payments and over $56,000 in total interest.
cards; payoff in 58 years. (with $0 extra payment)
Debt free? Debt free at age 55
Life Insurance2: Term Life Insurance3:
$150,000 coverage on Bob $300,000 coverage on Bob,
$150,000 coverage on Susan $300,000 coverage on Susan and
No protection on the children. $25,000 on each of the children.
Total monthly cost: $298* Total monthly cost: $123
Saved: $175 per month
PLPP: PLPP4:
Bob & Susan had NO WILL. Bob & Susan SET UP A WILL and got access to a respected,
full-service law firm ($25 per month)
Auto & Home: Auto & Home:
Bob & Susan were paying $243 per month Now they pay $178 per month
for auto & home insurance. Saved: $65 per month on their auto and home insurance
Retirement: Retirement3:
Bob & Susan had $20,000 in an IRA at the bank Rolled over $20,000 IRA into mutual funds.
earning 3%, with $100 per month contributions. Monthly contributions increased to $300.
Accumulated savings at age 65 = $107,000 Accumulated savings at 10% at age 65 = $1,080,000
Extra invested: $200 per month
A or B
On a scale of 1-10, 10 being the highest, how would you rate your desire to
become properly protected, debt free and financially independent?
See important assumptions and disclaimers on notes page.

29. District Leader: Part-Time
If you showed the A and B example to 10 families,
how many out of 10 would switch from A to B?
Personal:
5 clients in one month
5 life sales
3 IRA rollovers
1 Primerica DebtWatchers™
2 A&H
2 PLPP
Total cash for the month: $4,868
And even if you did almost half of that,
you could still earn $2,628!
If you could potentially earn $20,000 to $40,000 a year
part-time without jeopardizing your job, would that interest you?
The income example of $2,628 assumes 3 life sales, 1 IRA rollover, 1 Primerica DebtWatchers™, 1 A&H and 1 PLPP, in amounts and for products specified
in A & B example on prior slide. In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to its sales
force at an average of $5,296 per licensed representative.

30. The Real Estate Model
Agent Broker
Limited Income Potential Unlimited Income Potential
No Security More Security
No Time Freedom Time Freedom
6% Broker Fee A Broker with 5 agents
$100,000 House = Broker Earning $3,000/month
$6,000 Fee 50% Override: Earns $15,000/month
$3,000
Agent Agent Agent Agent Agent
50% 50% 50% 50% 50% Commission
$3,000 $3,000 $3,000 $3,000 $3,000
Which would you rather be — an agent or a broker?

31. Regional Leader: Part-Time
Personal:
5 clients in one month
5 life sales
3 IRA rollovers
1 Primerica DebtWatchers™
2 A&H
2 PLPP
Override:
Equals: $6,545 2 District Leaders
6 clients in one month
6 life sales
3 IRA rollovers
3 Primerica DebtWatchers™
3 A&H
2 PLPP
Equals: $1,973
Total cash for the month: $8,518
Once you reach $50,000 to $80,000 a year in income,
would you consider making a career change?
In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928
in compensation to its sales force at an average of $5,296 per licensed representative.

32. Regional Vice President
Personal:
5 clients in one month
5 life sales
3 IRA rollovers
1 Primerica DebtWatchers™
2 A&H
2 PLPP
Override:
Equals: $9,065 6-8 District Leaders
25 clients in one month
25 life sales
10 IRA rollovers
6 Primerica DebtWatchers™
6 A&H
6 PLPP
$18,989
Equals:
Bonus: $8,913
Total cash for the month: $36,967
In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928
in compensation to its sales force at an average of $5,296 per licensed representative.

33. Track Record of Success With Momentum
Cumulative Number of Earners
Personal Income Since 1977 New Since 2000
Over $50,000 5,392 2,854
Over $100,000 2,562 1,440
Over $1 million 63 32
Over $2 million 17 6
Over $5 million 1 1
What would interest you more?
Starting your own part-time business, a complimentary financial game plan
OR BOTH?
These figures represent 12-month rolling cash flow levels, including advances, which have been achieved by Primerica representatives, past and present, at some point
during their affiliation with a Primerica Company, beginning in 1977. The representatives are not necessarily achieving those levels at this time. Further, the numbers
reflected in the “Cumulative Number of Earners” column are cumulative from level to level and, therefore, include all representatives who have ever achieved the
stated cash flow figures. The cash flow categories are not intended to demonstrate earnings of typical representatives. In the 12-month period ending in December
2010, Primerica paid a total of $503,115,928 in compensation to its sales force at an average of $5,296 per licensed representative. Most representatives do not reach
the levels illustrated. 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.

34. Getting Started
1. Fill out your Independent Business Application (IBA) — $99
Value includes:
State license fee
Exam fee
Fingerprint/background check
PFSU pre-licensing
Total: worth approximately — $400
Total fees vary for each state
2. $25/month for Primerica Online — Online Business Support System
Value includes:
Cell phone discount $100-$250/year
Your own website and business reports $600
Access to live and on-demand video training $400
Qualify to have securities license paid for $500
Morningstar financial analysis software* $4,000/year
Total: worth approximately — $6,000
*Must be securities licensed
3. Get off to a fast start! Qualify for a bonus up to $1,000 when you get
trained, licensed and producing. (See company brochure for details.)
4. Keys to success
• Submit your IBA with $99
• Show up to all training meetings
• Attend pre-licensing and get insurance licensed
• Go on 10-15 Field Training Observations in your first 30 days
• Complete a Financial Needs Analysis to get your family’s financial game plan started
What would keep you from getting started?

35. Endnotes
We Are a One-Stop Financial Supermarket With Home Delivery!
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), 3120 Breckinridge Blvd., 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. See notes page for important company affiliations and other disclosures.
Bob And Susan Smith (Ages 35 And 33) With Two Children
1. Bob and Susan are hypothetical clients. Based on the assumption that the consumer makes minimum monthly payments, the APR for the
mortgage is 6.0% and the APR on each of the three credit cards is 19.8%. First mortgage loan is fixed term, fixed rate, fully amortizing loan.
Assumes no additional debt is incurred. 2. 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 or variable life, 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. 3. 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, Executive Offices, 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 30 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. 4. $25.00 per month.
Representatives of Primerica are independent contractors and are paid commissions on sale of products. Life Bonus is based on 67% QBI and
30% Bonus Rate, assuming average premium per policy of $1,478.

36. Endnotes
Primerica DebtWatchers™ is a trademark of Primerica, Inc. 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 use of the Primerica
DebtWatchers™ product. References to Equifax refer to Equifax Consumer Services LLC, a wholly owned subsidiary of Equifax Inc. See
www.my.primerica.com for additional Important Disclosures.
Primerica representatives market term life insurance underwritten by the following companies in these respective jurisdictions: 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 US jurisdictions; Primerica Life Insurance Company of Canada, in Canada.
Securities offered by PFS Investments Inc.
The average client saves as much as $478 annually on their auto insurance through Primerica Secure. This savings amount is based on a
survey of insurance premium information provided by 567 purchasers of insurance from Answer Financial based on their responses to the
survey and their estimated savings statements during 1/1/2009 and 3/31/2009.
Primerica Secure is a personal lines insurance referral program in which representatives may refer individuals to Answer Financial Inc., a
company that offers insurance products and services through its licensed affiliates. Not all insurance products and services are available in
all states. Primerica, its representatives and the Secure Program™ do not represent any of the insurers in the program. Primerica, its
affiliates and representatives offer other products and services. For more information, please see www.PrimericaSecure.com.
For use in New York only.
© 2012 Primerica/43874/2.12/NY/11PFS648-2