Affordable Primerica insurance combines financial education, affordable options, and personalized service to deliver an overall solid product. The company offers both term life policies that provide peace of mind for a limited period of time, as well as permanent options that build cash value over the long-term. Additionally, the company provides a complimentary “financial needs analysis” to help customers determine how much coverage they need.

Primerica sells its products through a multilevel marketing system, whereby independent representatives earn a commission on sales to customers as well as on the recruitment of new agents. This type of selling structure is not uncommon for many life insurance providers, and may cause some consumers to feel uncomfortable with the approach.

However, the company’s strong focus on education and affordable options may make it an ideal option for those looking to purchase life insurance coverage. In addition, the company has earned a good reputation for customer service and financial stability, drawing relatively few consumer complaints.

NerdWallet’s research team rated Primerica three stars out of five for its comprehensive range of insurance products and affordable premiums. The company’s products include term life, universal life, and annuities, as well as a variety of mutual funds and managed investments.

The company also offers mortgage solutions, auto and home insurance referrals, pre-paid legal services, and identity theft protection through partnerships with other providers. Primerica’s diversified offerings help individuals plan for their financial future and achieve their goals. Primerica is listed on the NASDAQ Global Select Market under the stock symbol PRI. The company paid more than $1.8 billion in life insurance benefits to policyholders through its subsidiaries in 2024.