PRIMERICA PRODUCT & SERVICE DISCLOSURES - U.S. ONLYInsuranceLife-licensed Primerica representatives are agents of the Primerica insurance companies:
If you provide a check with which to fund your account, please make it payable to Primerica Shareholder Services, Inc. Your representative will promptly forward it to Primerica Shareholder Services, Inc. where it will be deposited to fund your account.
Non-Platform Funds (Mutual Funds other than American Century, Amundi Pioneer, Invesco, Legg Mason, and Franklin Templeton):
If you provide a check with which to fund your account, please make it payable to the Fund Company in which the money is being invested. Your representative will promptly forward the check and the investment application to PFS Investments Inc. ("PFSI") in Duluth, GA. After approval and acceptance of the transaction at the PFSI home office, your check will be promptly forwarded the Fund Company where it will be deposited to fund your account.
Variable Annuities:
If you provide a check with which to fund your account, please make it payable to the insurance company issuing the variable annuity. For all annuities other than those issued by Brighthouse Financial, your representative will promptly forward the check and the investment application to PFS Investments Inc. ("PFSI") in Duluth, GA. After approval and acceptance of the transaction at the PFSI home office, your check will be promptly forwarded the insurance company where it will be deposited to fund your account. For Brighthouse annuities, your representative will promptly forward your check and application to Brighthouse, Inc. where it will be deposited to fund your account after approval is received from the PFSI home office.
Protecting Against Financial ExploitationFinancial exploitation involves the illegal or improper use of a person's funds by another individual. Examples of financial exploitation include improper use of power of attorney, coercion, or fraudulent transfer of assets. Elderly or vulnerable persons (of any age) may be especially susceptible to financial exploitation due to cognitive decline, physical disability or health problems, which can impair their capacity to recognize financial exploitation and scams. If you suspect financial exploitation with respect to your investment account please call PFS Investments Inc. at 1-800-243-8901 to report your concerns. You may also choose to designate a secondary individual for us to contact if we have reasonable concern about your well-being. To establish a secondary contact for your investment account, please contact your PFS Investments Inc. representative. For more information on how to protect against financial exploitation, visit the website http://www.finra.org/investors/highlights/protecting-seniors-financial-exploitation.
Contact UsClick here to obtain contact information for areas or departments that you would like to contact. We appreciate the opportunity to assist you and look forward to hearing from you.
OTHER PRODUCTSAppropriately licensed Primerica representatives may also offer products or services of other non-affiliated companies, which include:
Primerica Secure™: A personal lines insurance referral program in which representatives may refer individuals to Answer Financial® Inc., which offers insurance products and services of personal lines insurance companies through its licensed affiliates. Not all insurance products and services are available in all states. Neither Primerica, its representatives nor the Secure Program™ represent any of the insurers in the Answer Financial program. For more information, please see www.PrimericaSecure.com.
Primerica Legal Protection Program: A legal services program offered by Pre-Paid Legal Services, Inc. d/b/a LegalShield or its applicable subsidiary, through contractual agreement between Primerica Client Services, Inc. and LegalShield. Neither Primerica Client Services, Inc.,nor its officers, employees or sales representatives directly or indirectly provide 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. See a plan contract for specific state of residence for complete terms, coverage, amounts, conditions and exclusions.
ID Theft Defense℠: A product of Prepaid Legal Services, Inc. d/b/a LegalShield ("LegalShield") that provides access to identity theft protection and restoration services, through contractual agreement between Primerica Client Services, Inc. and LegalShield. Neither LegalShield nor its officers, employees, or sales associates directly or indirectly provide identity theft protection, restoration services, or advice. Primerica Client Services, Inc. and its officers, employees or sales representatives do not directly or indirectly provide identity theft protection, restoration services, or advice. ID Theft Defense℠ or certain product features may not be available in all U.S. States. See specific plan details for terms, coverage, conditions, and exclusions.
Long Term Care Insurance: Offered through Genworth Financial's Long Term Care Insurance division, which includes Genworth Life Insurance Company, and in New York, 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 and other companies. Product availability may vary by state.
Vivint: Home automation and security services offered by Vivint, Inc. in the United States and Canada. Under a referral program, representatives may refer individuals to Vivint.
The products and services offered by the companies noted above may not be available in your jurisdiction or state. The products and services your Primerica representative may be able to offer also may be limited. Available products may be applied for and purchased separately. Please consult your local Primerica office or your Primerica representative for a listing of products and services available.
Financial Needs AnalysisThe Financial Needs Analysis (FNA) is designed to assist in identifying financial needs and goals to make better informed decisions. An FNA is developed based on information you provide, as summarized on data input pages, and on certain generally accepted assumptions and reasonable estimates. It is provided as a complimentary, no-obligation service by Primerica. The Financial Needs Analysis is not a financial plan. The FNA should be construed as a guide to use in deciding how best to attain financial goals. Representatives are compensated through commissions or referral fees on the sale of financial service products offered by or through Primerica and its affiliated companies or through advisory fees associated with investment advisory accounts. Representatives are not financial planners, financial consultants or similar specialists who provide financial planning services and whose compensation may be unrelated to sales.
- In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York.
- In the U.S. (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia.
- In the U.S., securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org].
- PFS Investments Inc. conducts its advisory business under the name Primerica Advisors.
- For customers with American Century, Legg Mason, Invesco, Amundi Pioneer, and Franklin Templeton mutual fund investments, contact Primerica Shareholder Services via telephone at (800) 544-5445; via the internet at www.portfolio.primerica.com or www.primerica.com; via regular mail to P.O. Box 9662, Providence, RI 02940-9662; via express mail to 4400 Computer Drive, Westborough, MA 01581; or through your PFSI representative.
- For customers with American Funds Mutual Funds, 529 Plans or 401(k) Plans for South/East (AL, AR, CT, DE, FL, GA, KS, LA, MA, MD, ME, MO, MS, NC, NH, NJ, NM, NY, OK, PA, RI, SC, TN, TX, VA, VT and WV), contact via telephone at (800) 421-4225; via the internet at americanfunds.com/, via mail at P.O. Box 2280, Norfolk, VA 23501, for North/West (AK, AZ, CA, CO, HI, IA, ID, IL, IN, KY, MI, MN, MT, ND, NE, NV, OH, OR, SD, UT, WA, WI, WY and all locations outside the United States), via telephone at (800) 421-0180, via internet at americanfunds.com/, via mail at P.O. Box 6007, Indianapolis, IN 46206; or through your PFSI representative.
- For customers with mutual fund investments in mutual fund companies other than American Century, Legg Mason, Invesco, Amundi Pioneer, Franklin Templeton or American Funds, you can continue to access your funds by communicating directly with the mutual fund company using the contact information found in transaction confirmations and customer statements, or through your PFSI representative.
- For customers with investments in the Lifetime Investment Platform™, contact TD Ameritrade at (800) 431-3500; via internet at https://www.advisorclient.com; via mail at 200 S 108th Ave, Omaha, NE 68154-2631 or through your Primerica Advisors representative.
- For customers with Brighthouse Financial annuity products, contact via telephone at (800) 638-5433; via Internet at https://www.brighthousefinancial.com/; via mail at P.O. Box 10426, Des Moines, IA 50306 for; or through your PFSI representative.
- For customers with Lincoln Financial annuity products, contact via telephone at (888) 868-2583 for variable annuities and (888) 916-4900 for fixed index annuities; via mail at Lincoln Financial Group, Attn: Annuity Operations, P.O. Box 2348, Ft. Wayne, IN 46801-2348; or through your PFSI representative.
- For customers with AXA Equitable annuity products, contact via the internet at https://us.axa.com/home.html; for Retirement Cornerstone via telephone at (800) 789-7771 or via mail at Retirement Service Solutions, P.O. Box 1547, Secaucus, NJ 07096-1547; for Structured Capital Strategies via telephone at (877) 899-3743 or via mail at Retirement Service Solutions, P.O. Box 1547, Secaucus, NJ 07096-1547; for Retirement Gateway 401(k) & 457(b) products via telephone at (800) 528-0204 or via mail at AXA Equitable Retirement Services, P.O. Box 8095, Boston, MA 02266-8095; for EQUI-VEST 403(b) plans via telephone at (800) 628-6673 or mail at EQUI-VEST Processing Office, P.O. Box 4956, Syracuse, New York 13221; or through your PFSI representative.
- For customers with AIG annuity products, via the internet at www.aig.com; or via mail at AIG, Attn: Annuity Service Center, 2710 Media Center Drive, Bldg #6, Suite 120, Los Angeles, CA 90065-1750; or via telephone at (877) 867-3783; or through your PFSI representative.
- For customers with Scholars Choice 529 Plans, contact via telephone at (888) 572-4652; via mail at Scholars Choice College Savings Program, P.O. Box 9680, Providence, RI 02940-9680; via the internet at www.scholars-choice.com/accountaccess; or through your PFSI representative.
- For customers with Franklin Templeton 529 Plans, contact via telephone at (866) 362-1597; via mail at Franklin Templeton 529 Plan, P.O. Box 33090, St. Petersburg, FL 33733-8090; via the internet at https://www.franklintempleton.com/529; or through your PFSI representative.
- For customers with Fidelity 529 Plans, contact via telephone at (800) 544-1914; via the internet at www.fidelity.com/529-plans/overview, via mail at P.O. Box 770001, Cincinnati, OH 45277; or through your PFSI representative.
- For customers with Oppenheimer 529 Plans for Bright Start, contact via telephone at (877) 432-7444; via the internet at www.brightstartadvisor.com/OFI529, via mail at P.O. Box 5288, Denver, CO 80217, for Scholar's Edge, via telephone at (866) 529-7283, via the internet at www.scholarsedge529.com/OFI529, via mail at P.O. Box 173691, Denver, CO 80217; or through your PFSI representative.
- For customers with CUNA Mutual 401(k) Plans, contact via telephone at (800) 999-8786; via the internet at https://www.cunamutual.com; via mail at 5910 Mineral Point Road Madison, WI 53705; or through your local PFSI representative.
- For customers with Voya 401(k) Plans, contact via telephone at (855) 663-8692; via mail at 230 Park Avenue, New York, NY 10169; via the internet at https://www.voya.com/contact-us; or through your PFSI representative.
- For customers with Fidelity Advisors 401(k) Plans, contact via telephone at (800) 835-5095; via mail at Fidelity Investments, P.O. Box 770001, Cincinnati, OH 45277-0002; via the internet at https://401k.fidelity.com; or through your PFSI representative.
If you provide a check with which to fund your account, please make it payable to Primerica Shareholder Services, Inc. Your representative will promptly forward it to Primerica Shareholder Services, Inc. where it will be deposited to fund your account.
Non-Platform Funds (Mutual Funds other than American Century, Amundi Pioneer, Invesco, Legg Mason, and Franklin Templeton):
If you provide a check with which to fund your account, please make it payable to the Fund Company in which the money is being invested. Your representative will promptly forward the check and the investment application to PFS Investments Inc. ("PFSI") in Duluth, GA. After approval and acceptance of the transaction at the PFSI home office, your check will be promptly forwarded the Fund Company where it will be deposited to fund your account.
Variable Annuities:
If you provide a check with which to fund your account, please make it payable to the insurance company issuing the variable annuity. For all annuities other than those issued by Brighthouse Financial, your representative will promptly forward the check and the investment application to PFS Investments Inc. ("PFSI") in Duluth, GA. After approval and acceptance of the transaction at the PFSI home office, your check will be promptly forwarded the insurance company where it will be deposited to fund your account. For Brighthouse annuities, your representative will promptly forward your check and application to Brighthouse, Inc. where it will be deposited to fund your account after approval is received from the PFSI home office.
Protecting Against Financial ExploitationFinancial exploitation involves the illegal or improper use of a person's funds by another individual. Examples of financial exploitation include improper use of power of attorney, coercion, or fraudulent transfer of assets. Elderly or vulnerable persons (of any age) may be especially susceptible to financial exploitation due to cognitive decline, physical disability or health problems, which can impair their capacity to recognize financial exploitation and scams. If you suspect financial exploitation with respect to your investment account please call PFS Investments Inc. at 1-800-243-8901 to report your concerns. You may also choose to designate a secondary individual for us to contact if we have reasonable concern about your well-being. To establish a secondary contact for your investment account, please contact your PFS Investments Inc. representative. For more information on how to protect against financial exploitation, visit the website http://www.finra.org/investors/highlights/protecting-seniors-financial-exploitation.
Contact UsClick here to obtain contact information for areas or departments that you would like to contact. We appreciate the opportunity to assist you and look forward to hearing from you.
OTHER PRODUCTSAppropriately licensed Primerica representatives may also offer products or services of other non-affiliated companies, which include:
Primerica Secure™: A personal lines insurance referral program in which representatives may refer individuals to Answer Financial® Inc., which offers insurance products and services of personal lines insurance companies through its licensed affiliates. Not all insurance products and services are available in all states. Neither Primerica, its representatives nor the Secure Program™ represent any of the insurers in the Answer Financial program. For more information, please see www.PrimericaSecure.com.
Primerica Legal Protection Program: A legal services program offered by Pre-Paid Legal Services, Inc. d/b/a LegalShield or its applicable subsidiary, through contractual agreement between Primerica Client Services, Inc. and LegalShield. Neither Primerica Client Services, Inc.,nor its officers, employees or sales representatives directly or indirectly provide 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. See a plan contract for specific state of residence for complete terms, coverage, amounts, conditions and exclusions.
ID Theft Defense℠: A product of Prepaid Legal Services, Inc. d/b/a LegalShield ("LegalShield") that provides access to identity theft protection and restoration services, through contractual agreement between Primerica Client Services, Inc. and LegalShield. Neither LegalShield nor its officers, employees, or sales associates directly or indirectly provide identity theft protection, restoration services, or advice. Primerica Client Services, Inc. and its officers, employees or sales representatives do not directly or indirectly provide identity theft protection, restoration services, or advice. ID Theft Defense℠ or certain product features may not be available in all U.S. States. See specific plan details for terms, coverage, conditions, and exclusions.
Long Term Care Insurance: Offered through Genworth Financial's Long Term Care Insurance division, which includes Genworth Life Insurance Company, and in New York, 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 and other companies. Product availability may vary by state.
Vivint: Home automation and security services offered by Vivint, Inc. in the United States and Canada. Under a referral program, representatives may refer individuals to Vivint.
The products and services offered by the companies noted above may not be available in your jurisdiction or state. The products and services your Primerica representative may be able to offer also may be limited. Available products may be applied for and purchased separately. Please consult your local Primerica office or your Primerica representative for a listing of products and services available.
Financial Needs AnalysisThe Financial Needs Analysis (FNA) is designed to assist in identifying financial needs and goals to make better informed decisions. An FNA is developed based on information you provide, as summarized on data input pages, and on certain generally accepted assumptions and reasonable estimates. It is provided as a complimentary, no-obligation service by Primerica. The Financial Needs Analysis is not a financial plan. The FNA should be construed as a guide to use in deciding how best to attain financial goals. Representatives are compensated through commissions or referral fees on the sale of financial service products offered by or through Primerica and its affiliated companies or through advisory fees associated with investment advisory accounts. Representatives are not financial planners, financial consultants or similar specialists who provide financial planning services and whose compensation may be unrelated to sales.