Primerica, Inc. is a multi-level marketing[4][5][6][7] company that provides insurance, investment and financial services to middle-income families in the United States and Canada.

[28] In December 1997, Primerica announced it was going to begin offering pre-paid legal services through Pre-Paid Legal Services, Inc., at the time a subsidiary of Travelers Group, Inc.[29] In 1998, the US Securities and Exchange Commission (SEC) censured and fined PFS Investments Inc., the securities arm for Primerica, for failure to properly supervise a group of registered representatives in Dearborn, Michigan.

The SEC found that PFS Investments Inc. had failed to have in place effective policies and procedures to follow up adequately on three complaints received about the Dearborn registered representatives, "selling away" activities.

By the date of the ruling, PFS Investments reported it had complied with the final recommendations made by the independent consultant.

[31] Citigroup attempted to sell Primerica in 2008,[32] having received several bids from life insurance companies and private equity firms interested in buying.

[35] JC Flowers & Co. LLC and Protective Life Corp began to purchase the company but the deal was canceled for undisclosed reasons.

[12][13] Primerica uses a multi-level marketing strategy, with eleven tiers of representatives and recruiters selling financial products and services for commission.

[46][8] In 2010, Primerica was reported to have over 100,000 representatives selling the company's financial products, with individual earnings averaging $5,156 per year.

[4] Some people working for Primerica and similar multi-level marketing organizations reported that they ended up losing money, due to the fees they had to pay.

[7] In 2012, Primerica was the target of multiple lawsuits alleging that the company's representatives sought to profit by earning commissions after convincing Florida firefighters, teachers, and other public workers to divest from safe government-secured retirement investments to high-risk retirement products offered by Primerica.