Since its founding in 1977, Primerica and its affiliates have focused on helping middle-class families grow wealth by offering affordable term life insurance and educating them on how to save and invest the difference. With more than 117,000 sales agents across the U.S. and Canada, the company still believes that family income protection through term life insurance and future planning are two of the most important financial needs for almost every family. Source3 https://insurancebyheroes.com/primerica-life-insurance-review-2025-analysis/

The company offers a simple product lineup with just two term life insurance products, TermLife and TermNow. The TermNow policy does not require a medical exam, while the Custom Advantage Term policy has higher coverage maximums and a more rigorous underwriting process. Primerica also offers a suite of add-on riders that can be added to a policy, including an increasing benefit rider that increases the death benefit by 10% for 10 years and a terminal illness waiver of premium rider that waives your premiums if you are diagnosed with a life-threatening disease or condition and have less than six months to live.

Understanding Mutual of Omaha Pricing

Despite the relatively small size of its client base, Primerica is a publicly traded company that trades on the New York Stock Exchange and has an A+ rating from the Better Business Bureau. It also has a long history of solid financial performance and has been recognized by various industry organizations, including J.D. Power and the National Association of Insurance Commissioners’ Consumer Complaint Index Report, which showed that Primerica had lower than average number of complaints in 2021.