Referrals / Earn Your Business / Expansion

Referrals / Earn Your Business / Expansion

The The Largest Largest Independent Independent Financial Financial Services Services Marketing Marketing Company Company in in North North America America with with 126,000 126,000 Licensed Licensed Representatives Representatives Listed Listed on on the the New New York York Stock Stock Exchange Exchange (PRI) (PRI) In In Business Business Since Since 1977 1977 More More Than Than 55 Million Million Lives Lives Insured Insured and and 22 Million Million Investment Investment Clients Clients As of December 31, 2017 Primerica representatives market term life insurance underwritten by National Benefit Life Insurance Company (Home Office: Long Island City, NY) in New York and Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other U.S. jurisdictions. In the U.S., securities are offered through PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001. PFS Investments Inc. is a member of FINRA and SIPC. 2

All of this without any national TV or radio advertising! 3 Forbes: America’s 50 Most Trustworthy Financial Companies ranking compiled by MSCI ESG Research. Numerical score based on “Aggressive Accounting and Governance Risk” (AGR), which is determined by factors including high-risk events, revenue and expense recognition methods, SEC action and bankruptcy risks. A.M. Best: 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.

Not all products and services are available in all states, territories, or the District of Columbia. A representative's ability to offer products from the companies listed is subject to state and 4 federal licensing and certification requirements. Please refer to the Important End Notes for additional details about the contractual arrangements and company affiliations detailed above.

Our Mission Statement To create MORE financially independent families than any other company. 5

Why Are People Having So Many Financial Challenges? Most People Today Don’t Get a Financial Education Have a Financial Game Plan Have a Financial Coach This results in serious challenges for Main Street families. 6

Financial Challenges 78% of full-time workers live paycheck to paycheck. CNNMoney.com, “How to Save for Retirement On a Tight Budget,” October 13, 2017 More than half of Americans have less than 1,000 in savings. CNBC.com, “Here’s How Much Money Americans Have in Their Savings Accounts,” September 13, 2017 U.S. households with debt carry an average credit card balance of 15,654. NBCNews.com, “Americans Have More Credit Cards – and More Debt, Says CFPB,” December 28, 2017 Nearly half (48%) of U.S. households don’t have enough life insurance. USAToday.com, “Impending Death of the Life Insurance Medical Exam,” August 6, 2017 More than half of all workers have less than 25,000 in savings and investments for retirement. Employee Benefit Research Institute 2015 Retirement Confidence Survey 7

People Don’t Plan to Fail, They Fail to Plan The Solution: A Financial Needs Analysis (FNA). A customized, confidential and complimentary program that helps you achieve your goals and dreams. A Financial GPS: It helps you find answers to important questions. 9

HERE’S A REAL LIFE EXAMPLE: 3,500 MONTHLY INCOME 3,500 MONTHLY MONTHLY INCOME INCOME REPLACMENT Income Protection Mortgage Cars Insurance Credit Cards Utilities Groceries Child Care Entertainment Etc 7,000 MONTHLY BILLS What ifif they had replace that IfIf this happens, what this lose? What they had aa plan plan towill replace that income? income? this happens, whatto will this family family lose? 12

Life Insurance: There Are Two Options Cash Value Life Insurance Buy Term and Invest the Difference Whole Life, Universal Life, Variable Life 30-year Level Term 250,000 250,000 22 100,000 100,000 145 @ 9% 76,880 . 225 John age 35 Mary age 35 Monthly Premium . . SAVINGS E SAM 5 265,457 . . 80 . Cash Value at age 65 John age 35 Mary age 35 Which program would you want? Monthly Premium Investment at age 65 Monthly premium and accumulated cash value for cash value policies is an average of whole life policies from three major North American life insurance companies for male and female, both age 35 and standard risk. Cash value life insurance can be universal life, whole life, etc., and may contain features in addition to death protection, such as dividends, interest or cash value available for a loan or upon surrender of the policy. Cash value insurance usually has level premiums for the life of the policy. Term insurance provides a death benefit and its premiums increase after initial premium periods and at certain ages. Primerica monthly premium for 30-year Custom Advantage Policy: primary (17CJ0(30)) and spouse rider (17CK0(30)), both age 35, non-tobacco use, underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, GA. The accumulation figure reflects continued investment at the same rate over 30 years at a 9% nominal rate of return compounded monthly and does not take into consideration taxes, fees 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. 13 Not for use in New York.

How Primerica Helps Families: John and Mary, Each Age 351 A - Before FNA Life Insurance/Income Protection B - After FNA 2 100,000 coverage on John 100,000 coverage on Mary Cash Value Policy: 225/mo.* 76,880 cash value at age 65 A - Before FNA Life Insurance/Income Protection2 250,000 coverage on John 250,000 coverage on Mary 30-year level term life insurance: 80/mo. 225 - 80 145/month savings to INVEST B - After FNA Retirement Plan3 Retirement Plan3 John & Mary had 20,000 in an IRA at their bank earning 1.5% with 105 per month contributions. Accumulated savings at age 65 79,118 Rolled over 20,000 IRA into mutual funds. Monthly contributions increased to 250 ( 105 145 savings from cash value life insurance) 6% rate of return: 372,800 at age 65 9% rate of return: 755,700 at age 65 If you showed the A and B example to 10 families, how many of the 10 would switch from A to B? 1. This is a hypothetical family that is used to illustrate our products and is not intended to reflect any real family. 2. Primerica Custom Advantage policy (non-tobacco use): primary (17CJ0(30)) and spouse rider (17CK0(30)). 3. Hypothetical nominal rates of return, compounded monthly and tax deferred accumulation for IRA is not guaranteed or intended to demonstrate the performance of an actual investment. See End Notes for additional assumptions and other details. * Monthly premium and accumulated cash value for cash value policies is an average of whole life policies from three major North American life insurance companies for male and female, both age 35 and standard risk. Cash value life insurance can be universal life, whole life, etc., and may contain features in addition to death protection, such as dividends, interest, or cash value available for a loan or upon surrender of the 19 policy. Cash value insurance usually has a level premium for the life of the policy. Term insurance provides a death benefit and its premiums increase after initial premium periods and at certain ages.

Four Ways to Earn Income CASH FLOW QUADRANT* EMPLOYEE BUSINESS Has a job. Income based on position, not the person. Owns a system. Has others working for him/her. SELF-EMPLOYED INVESTOR Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. Has money working for him/her. Enjoys freedom and has the opportunity to achieve their dreams. Unlimited income potential via manufacturing, marketing, etc. stopsWhere them are most making people? the to transition? WhichWhat two ways to earnfrom income appeal you the most? 17 *The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. The Cash Flow Quadrant is a trademark of CASH FLOW Technologies, Inc. For informational purposes only.

DISTRICT LEADER PART-TIME GET LIFE LICENSED SCENARIO 1 Help John and Mary with their life insurance needs. 442 TOTAL CASH The income example of 442 assumes 1 sale of the life product specified in the “John & Mary” example (Slide 19). Cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. Assumes product remains in force for 12 months. Cash flow includes amounts that are received over 12 months. See End Notes for additional assumptions and other details for this potential compensation. 20 From January 1 through December 31, 2017, Primerica paid cash flow to its North American sales force at an average of 6,030, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.

DISTRICT LEADER PART-TIME GET LIFE LICENSED SCENARIO 2 Help two families like John and Mary with their life insurance needs. 884 TOTAL CASH The income example of 884 assumes 2 sales of the life product specified in the “John & Mary” example (Slide 19). Cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. Assumes all products remain in force for 12 months. Cash flow includes amounts that are received over 12 months. See End Notes for additional assumptions and other details for this potential compensation. 21 From January 1 through December 31, 2017, Primerica paid cash flow to its North American sales force at an average of 6,030, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange

DISTRICT LEADER PART-TIME GET LIFE LICENSED SCENARIO 3 Help three families like John and Mary with their life insurance needs. 1,326 TOTAL CASH The income example of 1,326 assumes 3 sales of the life product specified in the “John & Mary” example (Slide 19). Cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. Assumes all products remain in force for 12 months. Cash flow includes amounts that are received over 12 months. See End Notes for additional assumptions and other details for this potential compensation. 22 From January 1 through December 31, 2017, Primerica paid cash flow to its North American sales force at an average of 6,030, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.

The Brokerage/Real Estate Model AGENT BROKER Limited Income Potential No Security No Time 6% Broker Fee 100,000 House 6,000 Fee AGENT 50% Commission 3,000 AGENT 50% Commission 3,000 Unlimited Income Potential More Security Time Freedom 15,000 in BROKER Commission 50% Override 3,000 Override Income AGENT 50% Commission 3,000 AGENT 50% Commission 3,000 AGENT COMMISSION 50% Commission 3,000 Which would you rather be? 21 Primerica’s business model is not intended to be depicted like a real estate broker model. Rather, this slide is intended to distinguish both models and is being shown for illustrative purposes only. Primerica Representatives are independent contractors and are not employees of Primerica.

The Real Estate Model, What’s the Problem? BROKER BROKER AGENT AGENT AGENT Once an agent leaves to become a broker, the original broker no longer makes money off their business. The former agent also becomes the broker’s competition. 22 Primerica’s business model is not intended to be depicted like a real estate broker model. Rather, this slide is intended to distinguish both models and is being shown for illustrative purposes only.

The Solution? Primerica’s RVP Model Regional Vice President (RVP) District Leader District Leader Regional Vice President (RVP) Regional District Leader At Primerica, you can produce an unlimited number of RVPs. You receive a recurring income stream off the business they produce. 23 Primerica’s business model is not intended to be depicted like a real estate broker model. Rather, this slide is intended to distinguish both models and is being shown for illustrative purposes only.

REGIONAL LEADER PART-TIME SCENARIO 1 Override Part-Time Leaders Personal 2 life clients and 1 investment client like John and Mary 4 life clients and 2 investment clients like John and Mary 2,515 4,288 TOTAL CASH FROM MONTH’S SALES 1,773 OR 51,456 IN A YEAR Annual cash flow assumes the same level of activity over a 12-month period. The hypothetical income examples assume the sale of the products specified in the “John & Mary” example (Slide 19). Life commissions cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. All cash flow assumes all products remain in force for 12 months and that amounts are received over 12 months from sale activity. See End Notes for additional assumptions and other details for this potential compensation. 27 From January 1 through December 31, 2017, Primerica paid cash flow to its North American sales force at an average of 6,030, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.

REGIONAL VICE PRESIDENT FULL-TIME SCENARIO 2 Personal 2 life clients and 2 investment clients like John and Mary Override Regional Leaders 10 life clients and 5 investment clients like John and Mary 3,085 8,319 TOTAL CASH FROM MONTH’S SALES 4,432 OR 802 BASE BONUS 99,828 IN A YEAR Annual cash flow assumes the same level of sales over a 12-month period. The hypothetical income examples assume the sale of the products specified in the “John & Mary” example (Slide 19). Life Bonus is based on 69% QBI and 10% Base Shop Bonus Rate, assuming average premium per policy of 969. Life commissions cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. All cash flow assumes all products remain in force for 12 months and that amounts are received over 12 months from sale activity. See End Notes for additional assumptions and other details for this potential compensation. 28 From January 1 through December 31, 2017, Primerica paid cash flow to its North American sales force at an average of 6,030, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.

We Are Incented to Promote RVPs RVP 100,000 in a year RVP 100,000 in a year SVP 300,000 in a year RVP 100,000 in a year Building Distribution Earn income from your base shop and all of your RVPs. Qualify for Ownership. Develop and promote as many RVPs as you want. Annual cash flow assumes the same level of sales over a 12-month period and all products remain in force for 12 months. Cash flow in a year includes amounts that are received over 12 months from sales activity. Hypothetical cash flow above assumes the SVP, his or her base shop Regional Leaders and each RVP team makes a certain number of sales of the life product and the investment specified in the “John & Mary” example (Slide 19). Life commissions cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. See End Notes for details and assumptions for this potential compensation. The Ownership Program is subject to terms and conditions; see End Notes for important details. From January 1 through December 31, 2017, Primerica paid cash flow to its North American sales force at an average of 6,030, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates. 29

Independent Business Application (IBA) 99 ONE TIME Application Value Includes: State Application Exam Fee Processing Fees Appointment Fee Fingerprint Typical Cost to Become Life Licensed: 399* *Costs vary by state. Average licensing costs are 193. Average costs for prelicensing education are 206 for life only and 248 for life and health. The Ultimate Business Support System 25 MONTH Technology Support Package Value Includes: Cell phone discount: up to 25%/yr. Your own website and business reports: 50/mo. Live and on-demand video training: 55/mo. Total Value: 105 /month Additional Potential Value Includes: Exam Fee: 450 Exam Prep Course: 150 to 200 Securities License Total: Approximately 600* Morningstar financial analysis software: 625/mo.** *Reimbursement of securities licensing costs is subject to meeting program requirements, including a full-service POL subscription and pre-study and licensing requirements. Not all licensing fees are covered. Please refer to the Securities Licensing tab on POL for additional information. **Must be securities licensed. 4

In Summary Here’s what makes us different. 1. The Part-Time Opportunity 2. The Low Cost of Going into Business for Yourself 3. A Warm Market Referral System 4. The Opportunity to Become a Regional Vice President 5. Developing a Team of RVPs and Qualifying for Ownership 31 Ownership refers to the conditional right of an eligible RVP to transfer his or her code number to another eligible RVP, subject to the consent of Primerica and subject to terms, conditions and regulatory requirements. The Ownership Program Document and policies located on POL control in all respects.

The Next Steps If we offered you an opportunity to work with us on a part-time basis, can you think of any logical reason why you wouldn’t want to get started? 1. Submit Your Independent Business Application ( 124) 2. Start the Licensing process 3. Get Trained — Sprint to District How quickly would you like to start earning money? 32

END NOTES Hypothetical scenarios are not applicable and are not to be used in New York or Canada. A representative’s ability to market products is subject to state and federal licensing requirements. Primerica representatives market term life insurance by Primerica Life Insurance Company (Executive Offices: Duluth, GA) and, in New York, by National Benefit Life Insurance Company, Home Office: Long Island City, New York. Securities offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org]. Representatives are independent contractors and are not employees of Primerica. Representatives are paid commissions only on the sale of products and are not paid for recruiting. Primerica representatives are not financial or estate planners or tax advisors. Ownership refers to the conditional right of an eligible RVP to transfer his or her code number to another eligible RVP, subject to the consent of Primerica and subject to terms, conditions and regulatory requirements. The Ownership Program Document and policies located on Primerica Online (POL) control in all respects. From January 1 through December 31, 2017, Primerica paid cash flow to its North American sales force at an average of 6,030, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates. 33

END NOTES INCOME EXAMPLES: Each hypothetical income example assumes compensation for products in the amounts specified below. Each income example for life sales below assumes the sale of a life product consisting of 30-year level term life insurance, using Primerica Custom Advantage 30 policy (Non-tobacco use) primary (17CJO(30)) and spouse rider (17CKO(30)), both age 35, with 250,000 coverage each. Life cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. Assumes average premium per policy of 969. The income examples for investment product sales assume a 20,000 rollover into an IRA, plus additional investments of 250/mo. per client for 12 months. Annual cash flow assumes the same level of activity over the 12-month period and all products remain in force for 12 months. The cash flow from the 12 months of sales is received beyond the 12 months, as cash flow from each month of sales is received over a 12-month period from the month of sale. For the District Leader Scenario 1, income example of 442 assumes 1 personal life sale. For the District Leader Scenario 2, income example of 884 assumes 2 personal life sales. For the District Leader Scenario 3, income example of 1,326 assumes 3 personal life sales. For the Regional Leader Scenario 1, income example of 972 assumes 619 in personal compensation from 1 life sale, and 353 in overrides from life insurance from a team of two District Leaders making a total of 2 life sales. For the Regional Leader Scenario 2, income example of 3,130 assumes 2,247 in personal compensation from 3 life sales and 1 investment sales, and 884 in overrides from life insurance from a team of five District Leaders making a total of 5 life sales. For the Regional Vice President Scenario 1, annual income example of 51,456 assumes 2,515 in personal compensation from 2 life sales and 1 investment sale each month and 1,773 in overrides from 4 life clients and 2 investment clients each month from a team of Regional Leaders. For the Regional Vice President Scenario 2, annual income example of 99,828 assumes 3,085 in personal compensation from 2 life sales and 2 investment sales each month and 4,432 in overrides from 10 life clients and 5 investment clients each month from a team of Regional Leaders, plus an RVP Base Bonus of 802. Life bonus is based on 69% QBI and 10% RVP Base Shop bonus rate. 34 For the Senior Vice President “We are incented to promote RVPs” scenario, annual income example of 302,280 in a year assumes each month for 12 months: 3,085 in personal compensation from 2 life sales and 2 investment sales, plus 8,853 in overrides from 22 life sales and 6 investment sales from a team of Regional Leaders, plus 5,950 in overrides from 36 life sales and 21 investment sales from a team of 3 RVPs, plus an RVP Base Bonus of 3,210 and RVP SVP Leadership Bonuses of 4,092. Life bonuses based on 69% QBI, 20% RVP Base Shop Bonus rates 10% RVP and 7% SVP Leadership bonus rates.

END NOTES STRATEGIC PARTNER COMPANIES: Auto and Home Insurance: In the U.S., offered through Primerica SecureTM, a personal lines insurance referral program in which representatives may refer individuals to Answer Financial Inc., which offers insurance products and services through its licensed affiliates. Primerica, its representatives and the Primerica Secure program do not represent any of the insurers in the program. Legal Protection: In the U.S., ID Theft Defense is offered by contractual agreement between Primerica Client Services, Inc. and Prepaid Legal Services, Inc. d/b/a Legal Shield (“LegalShield”). ID Theft Defense is a product of LegalShield, and provides access to identity theft protection and restoration services through an exclusive relationship with Kroll, Inc. In the U.S., Primerica Legal Protection Program legal protection services are offered by LegalShield or applicable subsidiary, through contractual agreement between Primerica Client Services, Inc. and LegalShield. Neither Primerica nor its representatives offer legal services, representation or advice. LegalShield provides access to legal services offered by a network of provider law firms to LegalShield members through membership-based participation. Neither LegalShield nor its officers, employees or sales associates directly or indirectly provide legal services, representation or advice. Services and benefit availability may vary by state. Life Insurance: Primerica representatives market term life insurance underwritten by National Benefit Life Insurance Company (Home Office: Long Island City, NY) in New York and Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other U.S. jurisdictions. Long Term Care: In the U.S., representatives may offer long term care insurance from Genworth Financial by contractual agreement among Primerica Financial Services, Inc., Genworth Life Insurance Company and Genworth Life Insurance Company of New York. A referral program in which representatives may refer individuals to LTCI Partners, LLC provides long term care insurance from these Genworth companies and other companies unaffiliated with Primerica. Managed Investments: PFS Investments Inc. is an SEC Registered Investment Adviser doing business as Primerica Advisors. For additional information about managed investments, please ask your Primerica representative for a copy of the Form ADV Part 2A wrap fee program brochure for each of the Freedom Portfolios and the Lifetime Investment Platform. Mutual Funds, Variable Annuities and 401(k) Plans: In the U.S., securities are offered through PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001. PFS Investments Inc. is a member of FINRA and SIPC. Vivint: Home automation services (including home security) are offered through a referral arrangement by contractual agreement among Primerica Client Services, Inc. Primerica Client Services Inc., PFSL Investments Canada Ltd., Vivint, Inc. and Vivint Canada, Inc. Primerica is the trademark of Primerica, Inc. All other trademarks and service marks are the property of their respective owners. All rights reserved. Not to be used in New York. 35 2018 Primerica / 55740 / 12.18 / 614388