Why choose Primerica for life insurance?

There are plenty of great reasons to partner with Primerica¹ when choosing a life insurance provider. Here are a few:

1. Primerica has been protecting families since 1977.
   Nobody understands families like Primerica.  We know the challenges you face as you work hard every day to provide for your loved ones.  Our philosophy is grounded in a practical approach and an affordable product that has always been, and continues to be, the right choice for middle market families.
2. Primerica has superior financial strength in the industry.
   Primerica and its affiliates are rated A+ by A.M. Best,² an independent ratings firm that studies the financial strength and claims paying ability of insurance companies.  What does this “superior” rating mean for our policyholders?  It means that we deliver on our promise to provide financial security!
3. Primerica's U.S. term life companies belong to the Insurance Marketplace Standards Association (IMSA).
   Membership in IMSA means that company upholds the highest ethical standards in the conduct of our business.  Members of IMSA must undergo a thorough review and assessment process to receive IMSA accreditation. 
4. We make house calls in the Information Age.
   The arrival of the Internet has created a new era of commerce.  But life insurance is still a very difficult product to buy if you don’t have all the facts. Research indicates that 52% of families do not understand how life insurance works adequately enough to determine how much they should buy.³  That’s why Primerica representatives meet with you at the kitchen table and teach you about your options.  Why not contact your Primerica representative today for an appointment? 

1 Primerica Financial Services (Primerica), its subsidiaries and their representatives market term life insurance underwritten by their affiliated companies in these respective jurisdictions: National Benefit Life Insurance Company, Home Office: New York, NY, in New York; Primerica Life Insurance Company in all other U. S. jurisdictions; Primerica Life Insurance Company of Canada in Canada.

2 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

Four Facts About
Life Insurance

Purpose. “Life insurance” should really be called “death insurance,” because its purpose is to protect the family against the premature death of the breadwinner(s).

What you’re paying for. You’re paying for a substitute for income. Have you ever calculated how much you’ll earn in your lifetime? It was a fortune wasn’t it? The potential risk of losing that earning power is what makes life insurance a necessity!

Who needs it? Mainly people who have others depending on them for income support. If you have a non-earning spouse and/or children, or some other significant financial obligation, you need life insurance. Your spouse may also need coverage, even if he or she doesn’t work, if child care or other expenses would result from the spouse’s death. If you’re single, or have significant cash resources, you probably don’t need it.

Pure death protection. Term insurance offers pure death protection. Life insurance us not a permanent need that every family has — many financial experts see it as a way to simply “buy time” until you accumulate savings, not as a permanent fixture in your financial program.