Primerica’s Custom Advantage and TermNow policies offer a benefit that is uncommon among most life insurance coverage. It’s called the Freedom Accumulation Benefit (Freedom Advantage Benefit in Canada) and it allows policyholders to save an amount up to $5,000 (in most states) with Primerica that can be used to automatically pay premium should a policyholder ever miss a premium payment. The balance also accrues a variable interest rate.

FAB is an easy way to save money and ensure that your coverage stays current. It’s a fact — not all insurance coverage is created equal. Primerica’s life companies strive to bring you quality coverage at super affordable prices … with extras.

Custom Advantage/TermNow policy series/FAB form number NC5RV/NBF11AA0/NBF11AG0 underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York state; C5/PLF11AA0/PLF11AG0 underwritten by Primerica Life Insurance Company, Executive Offices; Duluth, GA in all other US jurisdictions; ZC5/ZLF11AA0/ ZLF11 AG0 underwritten by Primerica Life Insurance Company of Canada, Head Office, Mississauga, Ontario.

It seemed only natural to Kelly Ridley IV, of Smyrna, GA, to find a career as a Primerica entrepreneur. After all, he grew up with Primerica million-dollar earners Kip and Carole Ridley as parents!* “All I ever wanted to do was to be in business with my family,” says Kelly. “I knew I was going to join Primerica at a young age because I grew up around such positive and influential people who each have incredible Primerica businesses.”

He continues, “When I was in the third grade, I remember my dad came to my school to teach my class about the Rule of 72. I used to help him out by getting ‘referrals’ from my classmates who thought their parents might be interested in what Primerica does. I have so many fond memories as a kid of going to Primerica trainings and conventions and of traveling the world with them. I couldn’t see myself doing anything but Primerica!”

One of the great things about Primerica’s business structure is that it’s uniquely suited for families, couples and even friends to work together toward one goal. And the great part is, each business builder grows their own team, helps families in their community and builds their own business within the same organization. Everyone wins! “Primerica is an incredible place to build a family business,” enthuses Kelly.

He adds, “Being in business with my parents and with Paul and Kim Sherk, my brother-in-law and sister, provides so many great advantages to me. It’s an amazing feeling to be able to work together toward common goals and to build a multi-generational family legacy of helping others.”

Find out how you can create your own family business by becoming a Primerica entrepreneur!

*The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12‑month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 per licensed representative. 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.
**Ownership is available only upon meeting all qualification and eligibility requirements, and remaining in compliance with all terms and conditions, as set forth in the Ownership Program Document and various operating policies and procedures issued by Primerica from time to time.

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The Federal Trade Commission received more than a million consumer complaints last year, and identity theft topped the list for the 11^th year in a row.¹ The FTC reported more than 250,000 complaints about identity theft in 2010, representing 19% of the total complaints received.

Identity theft scams are becoming more prevalent online. About 45% of consumers reporting fraud said the transaction was initiated by email and 11% claimed it was through a website.²

Here are four tips to help you protect against identity theft:

Check your accounts regularly. Kiplinger’s suggests spending a few minutes online every day looking at your bank and credit card accounts.⁴ Make sure you can recognize every transaction. By making this a habit, you can detect suspicious activity before it’s too late.

Watch your phone! If your phone gets lost or is stolen, someone could have access to more than just your email. According to AdaptiveMobile, security attacks on smart phones were at an all-time high in 2010.³ Keeping your phone locked is a start, but it won’t prevent tech-savvy thieves from breaking in. Make sure you log out of any bank apps or sites where your financial information is stored as soon as you’re finished. Many smart phones also offer remote wipe-out services that will automatically erase any information on your phone if you claim it as lost or stolen.

Don’t be fooled by an email. Many scams start with an email. You’re probably aware of scams that claim to award money or transfer wealth from a foreign country, but identity thieves are getting smarter. It’s becoming more and more common to get an email from a legitimate company asking you to log in to their website. Clicking the link takes you to a malicious copycat site that can steal your login credentials. If you ever doubt an email, call the company or open a new browser and go directly to the website.⁵

Be smart on social networks. Be careful about what you post on social networking websites because this is one of the main sources of information for many identity thieves. If your name, phone number, address and date of birth can all be found on Facebook, you’re giving identity thieves a head start! Check your privacy settings on any website to ensure your personal information isn’t open to the public.

If you’re looking for more protection, ask your Primerica representative how the identity theft coverage included with Primerica Debtwatchers™ can help you safeguard your credit. See https://my.primerica.com for additional Important Disclosures.

1. Money.CNN.com, viewed December 7, 2011
2. Money.CNN.com, viewed December 7, 2011
3. Kiplinger.com, viewed December 8, 2011
4. Money.CNN.com, viewed December 7, 2011
5. Finance.yahoo.com, viewed December 7, 2011

Times are tough, but you don’t have to let your debt mark you forever. If you’re among the 79% of undergrads who have credit cards, you’re part of a group carrying record-high credit balances. The average balance grew to $3,173 and 21% have balances of between $3,000 to $7,000. And this isn’t even including the more than $25,000 amassed in student debt!¹ Is this really the way you pictured starting your life?

Proud and in Debt
According to researchers at Ohio State University, young adults feel empowered by their credit card and education debts. Seriously?! You feel empowered? “The more credit card and college loan debt 18- to 27-year-olds had, the more they felt like they were in control of their lives. Ironically, this is the generation that is expected to deal with an increasingly growing 14 trillion dollar national debt.”²

Don’t let your debt scar you. Get out now and stay out of debt. That’s the only way to really get ahead and make the most of all of your hard-earned cash. Here are some tips to help you avoid digging yourself into debt:

• Add it up. It might make you a little queasy, but you’re better off knowing where you stand. Get all of your bills together and do the math.
• Less cards = more control. Did you know that half of college undergrads had 4 or more credit cards?³ It’s time to get rid of that card you opened for a free T-shirt on the first day of class and keep it manageable. Have you heard of debt stacking? It’s a great way to gear down your debt. Take a look:

• Check your credit. Did you know you can get your credit report for free once a year? Visit AnnualCreditReport.com (877-322-8228). You might have a “don’t ask, don’t tell” policy on your debt balance but your credit score is the number one thing banks, creditors — and future employers — look at, so you’d better know what’s up.
• Develop a budget. Ugh. The B-word. Budgets are boring, right? Maybe, but for some, this can be a major wake-up call. If you seem to run short at the end of the month and can’t figure out where the money goes, this is a great way to discover less than stellar trends in your spending habits.
• Learn from your mistakes. “Nearly one in five 18- to 24-year-olds is in ‘debt hardship,’”⁴ so even if you’re in over your head right now, you can make a couple of strategic changes and get back in the black. As soon as you learn from your mistakes, you can start taking a step in the right direction … and that’s money in that bank!

1. CreditCards.com, viewed on October 11, 2011, Money.MSN.com, November 8, 2011
2. LifeInc.Today.com, June 9, 2011
3. CreditCards.com, viewed on October 11, 2011
4. Ibid

* The examples are 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 car 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.

Before you travel, follow these tips to protect yourself from identity thieves.

1. Let your credit card company know when you’re traveling (especially if leaving the country). Fraud departments have become more vigilant about monitoring unusual activity.
2. If you get a call or email about suspicious activity on your card, don’t give out personal information or call the number on the message (an oft-used trick by identity thieves). Instead, call the customer service number on the back of your card.
3. Suspend your mail delivery until you return. Your mail can be a treasure chest of information for identity thieves.
4. Remove credit cards you won’t be using and other personal information from your wallet, and copy any important documents (driver’s licenses, passport, health insurance card, etc.) so you’ll have them in case your wallet is stolen.

-Kiplinger’s, June 2011

Years ago, when Paul Sherk, of Smyrna, GA, was dating his soon-to-be wife, Kimberly, he was introduced to the business opportunity that had enabled her parents to become million-dollar earners.* That business was Primerica – and Paul says it sparked his interest. “When I heard the financial concepts that Primerica teaches, they just made sense and I could see a HUGE need for everyone to learn this information so they could then achieve financial independence,” recalls Paul.

He continues, “I was young and didn’t have any experience, but Kim’s parents, Kip and Carole Ridley, showed me exactly what I needed to do to reach my goals. I saw how they had attained unbelievable success here, yet were so humble and gracious about their achievements. I saw how they had made a positive impact on thousands of families – but what impressed me the most was that everyone I met in Primerica treated me like family.”

After that warm reception – and the idea of becoming financially free by helping others to do the same, Paul was sold. “I had never heard of a company that treated people like Primerica does and I wanted to be a part of that,” he reflects. “Today, Kim and I work with her parents and her brother, Kelly Ridley, building a business together that we will pass down to future generations.”**

Find out how you can create your own family business by becoming a Primerica entrepreneur!

*The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12‑month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 per licensed representative. 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.
**Ownership is available only upon meeting all qualification and eligibility requirements, and remaining in compliance with all terms and conditions, as set forth in the Ownership Program Document and various operating policies and procedures issued by Primerica from time to time.

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A.M. Best, one of the oldest and most respected rating agencies, provides ratings of insurance companies based on their financial strength and claims-paying abilities. Primerica’s life companies — Primerica Life Insurance Company, National Benefit Life (our New York state affiliate) and Primerica Life Insurance Company of Canada are all rated A+ by A.M. Best. Only 15 percent of life insurance companies can make this claim.

Wouldn’t you feel comfortable doing business with a company of this strength? Why go anywhere else?

As of December 22, 2011, A.M. Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, B++, B, B-, C++, C, C-, D, E, F.

Primerica Life Insurance Company, Executive Offices: Duluth, Georgia; National Benefit Life Insurance Company, Home Office: Long Island City, New York; Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario.

Among the extras that Primerica’s life companies’ clients receive when they begin their coverage is the Terminal Illness Benefit. It can be invaluable to families by supplying part of the death benefit while the insured is still living. Primerica representative, Sylvie Theoret, of Laval, Quebec, is a prime example of how Primerica reps help families get the coverage they need – including the Terminal Illness Benefit.

Some years ago, Sylvie met a couple with two young daughters. The family had a problem that is all too common. Each parent had only a $50,000 whole life insurance policy. When Sylvie completed an FNA for the couple, she found they were seriously underinsured.

“I replaced the whole life policies with $385,000 of term life insurance on the husband and $265,000 on the wife for just about what they were paying for their existing policies,” remembers Sylvie.

Only seven years later, the husband developed terminal cancer. He was 52 years old. “He called me to let me know the news and asked about the Terminal Illness Benefit (TIB),” says Sylvie. “I arranged for him to receive a check for 40 percent of his face amount.”*

With the TIB funds, the family was able to enjoy the time they had left together. Both family and friends joined them for a trip to the Caribbean islands.

“After her husband’s death,” says Sylvie, “the wife was able to take a year off from work and have some quality time with her daughters. She now works only three days a week. That wouldn’t have happened with $50,000 of coverage. But, it was also Primerica’s Terminal Illness Benefit that gave them time to enjoy and cherish a husband, a father, a son and a friend while he was still with us.”

*The current Terminal Illness Benefit pays 70 percent if the insured also has Waiver of Premium. In New York, form number NBF11AF0 underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY; in all other U.S. jurisdictions, form number LF11AA0 underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, GA; in Canada, form number ZLF11AA0, underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario.

Cash value life insurance can be universal life, whole life, etc. 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. Term insurance provides a death benefit only and its premiums increase at certain ages.

DALBAR recently released the 2011 winners of its annual Mutual Fund Service Award and – for the ninth year running – Primerica Shareholder Services earns the coveted trophy!

This DALBAR award is all about service, and Primerica Shareholder Services was honored for its superior customer service in the industry in 2011. The Service Award, only given to financial services companies who go above industry minimums to provide the highest level of service to their clients, is proof of how Primerica works hard to put families first – every client, every transaction, every time.

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Primerica’s proud to have great leaders from all walks of life. One of the company’s founders, Bobby Buisson, hasn’t been an inspiration only to Primerica. He made a lasting impression on best-selling author Pat Conroy many years ago when they battled each other on the college basketball court. In Conroy’s bestseller My Losing Season, he tells the story of how his competition with Buisson made him a better player … and a better person. Read excerpts from My Losing Season, including personal stories about Buisson, on his high school alma mater’s website.

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