Primerica is a financial services company that serves middle-income households in the United States and Canada, primarily through an independent contractor sales force of licensed representatives. The company distributes term life insurance (its core product), investment products including mutual funds and annuities, and complementary services such as mortgage loans and legal services. Primerica generates revenue through first-year and renewal commissions on insurance policies, sales commissions and asset-based fees on investments, and referral fees on other products, leveraging a low-cost distribution model built on part-time representatives with flexible entry terms and hierarchical compensation that incentivizes field office leadership and team building.