The Opportunity

Build a Future, Part Time*

At Primerica, you don’t have to be full-time to potentially earn full-time income.*  Here, your success isn’t determined by the number of hours you put in at the office, it’s about what you DO with whatever time you choose to put into building your business.  When you focus on making a difference in others’ lives, you can earn a great income a few hours per week, while maintaining the relative security of your full-time employment.

As a Primerica representative, what will I be doing for clients?

Primerica is all about people! Our business was founded on the principles of helping middle-income families to become better educated about their finances and we offer competitive, personalized solutions for families' complete financial health.

As a Primerica business-builder, you'll be able to help people in your community to:

  1. Learn basic financial concepts that aren't taught in school! We use our unique Financial Needs Analysis (FNA) to identify problem areas in a client's financial picture and to help them achieve their financial goals.
  2. Complete their applications for financial products/programs offered through Primerica such as life insurance, debt solutions, investments, pre-paid legal protection, long term care insurance and auto & homeowner's insurance.
Get on the path to achieving their long-term financial goals through continued communication.

Can I include my family in this business?

Of course! Primerica is the perfect place for the whole family to get involved. Some of our reps work together as licensed leaders, building separate businesses within the same family organization. Some invite family members to help out in the office or to provide other types of business support. Just as each family is unique, so is each family unit within Primerica! Whatever system works for you and your family, you are welcome to make the Primerica business opportunity work for you and the people you care most about.

How do I build a network of clients to serve?

The most successful entrepreneurs in Primerica have found that working through referrals from friends and family is the best way to grow a business. Think about all the people you speak to on any given day:

1. Relatives
2. Neighbors
3. Co-workers
4. Church members
5. Store clerks
6. Parents of your children's classmates

The list goes on and on. How many people do you know who might benefit from a discussion about personal finance? How many people do your friends know?

Where does Primerica do business?

Headquartered in Duluth, Georgia, Primerica and its affiliates make up one of the industry's largest financial services organizations, with offices all across the United States, Canada and Puerto Rico. Check your local phonebook or do a search online. There's likely a Primerica office nearby that's ready to help you!

Who joins Primerica?

Ordinary people from all backgrounds and all walks of life join Primerica. We're proud to offer a business opportunity that anyone can use as a path toward a better life. Read about the Success Stories of some of Primerica's most successful Latino leaders, and you'll learn how ordinary schoolteachers, field workers, students and others changed their financial destiny.

What do I get for my investment?

Primerica offers an ideal entrepreneurial opportunity without all the risks and costs usually associated with starting a business of your own.

  • Education
    You receive comprehensive training through the Primerica Education Center and access to some of the industry's best prelicensing education resources, all to help you pass your life insurance licensing exam and start producing.
  • Communication
    You can get access to Primerica Online, the company's internet portal for news, licensing education, business management data and multimedia content. You can also sign up for access to GoSolo, Primerica's voice communication network, to stay connected with your team.
  • Support
    From tech support to legal compliance and education, there are more than 1,800 home office employees working toward YOUR success!

Do I need financial experience?

In Primerica, your ambition to succeed and your passion for helping families are more important than your work experience. While you don't need a financial background or a degree, you will need to earn the required licenses to sell our financial products. With an entire department in Primerica dedicated to helping you learn the financial services business, it has never been easier to become licensed. From your first day inside Primerica, you will receive comprehensive training and instruction from your colleagues. Primerica has also built an extensive library of print, video, audio and online training resources, with some educational material available in Spanish.

Does Primerica advertise anywhere?

Primerica does not do any large-scale advertising because we couldn't possibly communicate what our business does for families and entrepreneurs in a 30-second commercial on TV or a magazine ad. Primerica is in the people business. And our experience has revealed that the best way to promote our business is through face-to-face conversations, one family at a time.

While this Web site provides lots of great information about Primerica, you can learn even more about Primerica by speaking with one of our representatives or by attending an Opportunity Meeting at an office near you.

Describe a typical workday in Primerica.

As a representative in Primerica, a typical business day would involve: scheduling appointments, attending training meetings in a local Primerica office, making follow-up calls with potential clients and new teammates, filling out paperwork for your business activities and visiting clients at their homes to make presentations about Primerica's financial solutions.

How much money can I earn?

Your earnings are based entirely on your effort. The more time and energy you put into the business, the more money you can make.
Do I need to leave my full-time job?

The great advantage of Primerica is that you can do the business on your own schedule. Nearly all Primerica representatives begin part-time while they learn the business and work to become licensed. You have the freedom to work at your own pace because you set your own hours. And when you're ready to work full-time, you may be eligible to enroll in an affordable new health care program exclusively for Primerica reps.

Are there opportunities for advancement in Primerica?

Of course! Primerica places emphasis on rewarding the leaders in this company who commit to building a business. When you meet specific qualifications, you can become eligible to advance to higher levels of leadership … and earn more compensation. Just ask the Primerica representative who referred you to this Web site for more details.

Is this opportunity for real?

Definitely!  Primerica’s part-time and full-time field force was paid a total of $509,227,049 in compensation between January 1 and December 31, 2012, for an average of $5,513 per licensed representative.  We also worked with thousands of families every day to help them put their finances back on track, with approximately $675 billion of life insurance in force.  Our investment clients have more than $42 billion in asset values in their PFSI Investment accounts (as of September 2013)!

Besides earning potential, what else can this opportunity do for me?

First and foremost, the Primerica Opportunity can teach you how money works! Very few families understand the basic concepts of managing money. Even fewer know how to put those concepts into practice. This opportunity represents an incredible chance to make a difference in the lives of your friends and neighbors. You could be the person to help them reorganize their finances, pursue their dreams and literally change their lives forever! What an incredible feeling it is to make an impact on your community.

*In Canada, the part-time opportunity is not available in all jurisdictions and, where it is available, is subject to certain restrictions.

**As of June 2013.,from January 1 through December 31, 2012, Primerica paid a total of $509,227,049 in compensation to its sales force, at an average of $5,513 per life licensed representative. 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 a representative and their downlines. Having said this, Primerica provides an opportunity for individuals who work hard to develop a business with unlimited income potential.

The Part-Time Opportunity*
At Primerica, you can not only earn a great income, but you can also feel great about what you do.  You’ll be making a real, tangible difference in the lives of the people you help – and that’s worth getting excited about!  These leaders are doing it, so can you!

13PFS509


Hilvania DeJesus
Cherry Hill, NJ
Full-time Occupation: Mortgage Solicitor
Average Part-time Income: $4,216**

Jesse Andujar & Milangel Raposo"When I was first introduced to the financial concepts that Primerica teaches, I was surprised to learn that despite working in the financial industry myself, I had no life insurance and no savings.  I realized then that I needed to make a change.  I became a client first and then took advantage of the Opportunity to better my family’s situation.  Because of the Primerica Opportunity, I have been able to save thousands of dollars in the eight months I've been here – part-time!"*


Jesse Andujar & Milangel Raposo
Lodi, NJ
Full-time Occupation: Drywall Finisher
Average Monthly Income: $1,818**

Jesse Andujar & Milangel Raposo“I had dreams of becoming a Major League baseball player like my dad, when an injury ended my career. Primerica gave my family a second chance at living the life they deserve – the kind of life we wanted to give our three kids. The best part, for us, is seeing the impact we are having on the people we serve through the services Primerica offers and through introducing them to the same business Opportunity that has changed our lives. Over the last few months, I’ve earned more part-time with Primerica than I did in my full-time job!”


DIV Celina Carlos
Hamilton, ON
Full-Time Occupation: Dental Assistant / Dental Administration
Average Monthly Income: $285**

DIV Celina Carlos“I love that I get paid for making a difference! I get so emotional when I help a family. And because I have the freedom and flexibility to build my business on my own schedule, I have complete control over how much I earn, how high I climb and even where I do business, since there aren't any territory restrictions. Ultimately, every success I have here is entirely up to me!"


Lixa Dias
Jamesburg, NJ
Full-Time Occupation: Housecleaner
Average Monthly Part-Time Income: $1,509**

Lixa Dias“I emigrated from Portugal in 1985 at the age of 17.  As a housecleaner, I was never required to learn English, but when I found out about Primerica's part-time opportunity, I had a reason to learn the language – I had to pass the life licensing test!

“It wasn't easy, but I was determined.  I took lots of classes to become bilingual.  When I found out I'd passed the licensing exam, I was so excited, I fell down!  I just love being a part of Primerica.  If you are considering joining the business, don't give up.  Everything is possible, as long as you put your mind to it."


Rolando Fernandez
Coto Laurel, PR
Full-time Occupation: Engineer
Average Monthly Part-Time Income: $417**

Rolando Fernandez“We had a lot of credit card debt when we first heard about Primerica last year.  Our biggest goal was to eliminate that debt but we weren't going to do that any time soon on my full-time income alone.  When my brother-in-law introduced us to Primerica's business opportunity, it sounded like the perfect fit for us.

“We liked that I could stay in my full-time job and have the chance to earn some part-time income to pay down our debts.  Here, we work our own schedule and the rewards are directly attached to the time we devote to our business.  We are so proud that eight months after we started Primerica part-time, we have now paid off all our $17,000 in credit card debt, opened an investment account to fund our daughter's education and cut an incredible 15 years off our original pay-off date for our mortgage!"


*In Canada, the part-time opportunity is not available in all jurisdictions and, where it is available, is subject to certain restrictions.