Important Disclosures

Background on Company, Products and Services

What is Primerica?
Primerica is the trade name of Primerica, Inc., an organization that markets financial services through various affiliated companies in Canada, including PFSL Fund Management Ltd., PFSL Investments Canada Ltd., mutual fund dealer, Primerica Life Insurance Company of Canada, and Primerica Client Services Inc., as well as affiliated companies in the U.S. (collectively the “Primerica Companies”).

Parent Company
The Primerica Companies are subsidiaries of Primerica, Inc. which is a public company listed on the New York Stock Exchange. Primerica, Inc. is a leading distributor of financial products to middle income households in North America, assisting clients in meeting their needs for term life insurance, mutual funds, segregated funds and other financial products distributed on behalf of third parties. Primerica, Inc. offers financial products through its subsidiaries. Each subsidiary of Primerica, Inc., and not Primerica, Inc. itself, is responsible for its obligations to its customers.

Product Offerings: Insurance, Mutual Funds & Other Financial Products and Services


Term Life Insurance and Segregated Fund products
Term life insurance products and Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. Commissions, trailing commissions, management fees and expenses all may be associated with segregated fund investments. Please read the Information Folder before investing. Segregated funds are not guaranteed, and investments are made at the risk of the investor (subject to any applicable death or maturity guarantee, as outlined in the Information Folder). Their values fluctuate and past performance may not be repeated.


Mutual Fund products
To sell mutual funds, Primerica Representatives must be sponsored by PFSL Investments Canada Ltd., mutual fund dealer, Head Office: Mississauga, Ontario. Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Mutual funds are sold by prospectus only. Please read the current prospectus before investing. Mutual funds are not guaranteed, their values fluctuate and past performance may not be repeated.

Debt Consolidation
Primerica Representatives refer clients to B2B Bank for debt consolidation loans under the B2B Bank SMART Loan referral program. Clients should contact B2B Bank for questions regarding debt consolidation. Primerica does not deal in mortgages. Representatives are prohibited from holding themselves out as mortgage brokers, or soliciting and giving advice on mortgages for the purposes of the B2B Bank SMART Loan referral program.

Debt Solutions
DebtWatchersTM is offered by contractual agreement between Primerica Client Services Inc., Primerica Life Insurance Company of Canada, PFSL Investments Canada Ltd. (collectively "Primerica"), and Equifax Consumer Services LLC, a wholly owned subsidiary of Equifax Inc. References to Equifax within the DebtWatchersTM product refer to Equifax Consumer Services LLC. Primerica's Representatives make referrals of clients to Equifax for the purposes of the DebtWatchersTM program. The DebtWatchersTM program includes the Equifax Credit WatchTM product and Primerica's Fast Pay Plan Calculator (which allows consumers to create their Fast Pay Plan). Equifax Credit WatchTM is provided by Equifax, and neither Primerica nor its independent sales representatives are involved in providing the Equifax Credit WatchTM product, including the credit report and credit score. Primerica is not responsible for the accuracy, legality, or any other aspect of Equifax Credit WatchTM and Primerica assumes no liability for Equifax Credit WatchTM. The Fast Pay Plan Calculator is provided solely by Primerica and is not a part of Equifax Credit WatchTM. Equifax is not responsible for the accuracy, legality, or any other aspect of the Fast Pay Plan Calculator or any resulting Fast Pay Plan, and Equifax assumes no liability for the Fast Pay Plan Calculator or any resulting Fast Pay Plan.

Identity Theft Insurance is underwritten by subsidiaries or affiliates of Chartis Insurance Company of Canada at 145 Wellington Street West, Toronto, Ontario, M5J 1H4. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and provincial regulations.

Primerica, representatives of Primerica, Equifax and DebtWatchersTM will not act as an intermediary between DebtWatchersTM customers and their creditors and do not imply, promise or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by use of the DebtWatchersTM product.

DebtWatchersTM is only available in British Columbia, Ontario and Quebec. DebtWatchersTM is a trademark of Primerica, Inc.

Disability & Living Benefits
Primerica EnhanceTM is a trademark of Primerica, Inc. References to Primerica refer to Primerica Life Insurance Company of Canada. Primerica Life Insurance Company of Canada is a wholly owned subsidiary of Primerica, Inc.

Primerica and its affiliates assume no liability for the insurance products and services offered by The Edge Benefits Inc. through the Primerica EnhanceTM program.

The information provided in this website is for general information purposes only. Please see the relevant The Edge Benefits Inc. Product Overview and application for full details of all terms and conditions of the insurance product being applied for.

Pre-Paid Legal Services
The Pre-Paid Legal Services program is provided by PPL Legal Care of Canada Corporation, a subsidiary of Pre-Paid Legal Service®, Inc. PPL Legal Care of Canada Corporation and Pre-Paid Legal Service®, Inc. are not affiliated with the Primerica Companies. Clients should contact PPL Legal Care of Canada Corporation for questions regarding any legal services. The PPLS program is only available in British Columbia, Alberta, Manitoba and Ontario.

The products and services offered by the companies noted above may not be available in your province or territory. The products and services your Primerica Representative may be able to offer also may be limited. Please consult your local Primerica office or your Primerica Representative for a listing of products and services available.

Financial Needs Analysis
The Financial Needs Analysis (“FNA”) is designed to assist you in identifying your financial needs and goals so that you can make better informed decisions in managing your money. An FNA is developed based on information you provide, as summarized on data input pages, and on certain generally accepted assumptions and reasonable estimates. It is provided to you as a complimentary, no-obligation service by Primerica. The FNA is not a financial plan.

The FNA should be construed as a guide for you to use in deciding how best to attain your financial goals. Representatives are compensated through commissions or referral fees on the sale of financial products offered by the financial product companies they represent. Representatives are not financial planners, investment advisors, financial consultants or other specialists who provide financial advice and whose compensation may be unrelated to sales.

Continuity of Business
Primerica Life Insurance Company of Canada (“PLICC”) and PFSL Investments Canada Ltd., mutual fund dealer, (“PFSL”) have developed a Continuity of Business Plan that addresses the possibility of a future emergency or significant business disruption. If such an event were to affect PLICC or PFSL's headquarters, customers could continue to access their funds by contacting the following companies, depending upon the type of investments the customer owns.

Customers with Primerica Concert Series mutual funds can continue to access their funds via telephone at (800) 510-7375, via email at concert@AGF.com, via the internet at www.agf.com, or through their local Primerica representative.

Customers with Primerica Common Sense Funds segregated funds can continue to access their funds via telephone at (800) 463-9997, via the internet at www.agf.com, or through their local Primerica representative.

Customers with third party mutual funds can continue to access their funds by contacting the respective mutual fund company via the contact information provided on their trade confirmations, annual account statements, or through their local Primerica representative.

Press Room
The Primerica Newsroom includes unedited articles about Primerica written by third party news organizations. These organizations are not affiliated with Primerica or any Primerica Companies. The articles are included for information purposes only.

Independent Contractor Representative Information

The Business Opportunity
The Primerica business opportunity involves the sale of term life insurance and mutual funds, as well as offering other financial services products and services such as debt consolidation loan referrals. Primerica Representatives are individuals who have signed an Independent Business Application (“IBA”) and who have been approved to become a member of Primerica's sales force. Primerica Representatives are independent contractors, and are not employees of Primerica Companies, or its parent company Primerica, Inc.

Personal Income
Any cash flows or success stories stated are not intended to demonstrate the earnings or success levels of typical representatives or RVPs. Rather, they reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow or success level. Most Representatives and RVPs do not achieve the cash flow or success levels illustrated. From January 1 through December 31, 2015, Primerica paid cash flow to its North American sales force at an average of $6,119 per life licensed representative. Average cash flow includes commissions paid on all lines of business, and reflects combined U. S. and Canadian dollars remaining in the local currency earned by the representative. Exchange rates fluctuate daily and could impact the average.

Any cash flows stated represent gross income only. All commissions are subject to Deferred Commission Account withholding and applicable taxes, and Represent-atives are responsible for their own business expenses. All commissions and bonus payments are subject to applicable Primerica agent agreements and Operating Guidelines. Commission rates, rules and procedures and bonus programs are subject to change in any manner from time to time, including adjustments to renewal commissions on product sales previously made. Primerica may from time to time modify, supplement or terminate any of the compensation in any manner. Additional details are available from Primerica.

Part-time Business Opportunity
In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation.

IBA Fee
The IBA fee is $103.95 and the monthly Primerica Online fee is $28.00 (including applicable taxes).

IBA Issues
New members of the Primerica sales force who have inquiries concerning an Independent Business Application (“IBA”) fee refund should refer to the Basic Agreement contained in the IBA. For additional IBA inquiries, send email to: canada_agencysupport@primerica.com.

Recruiting Inquiries -- Individuals with inquiries pertaining only to recruiting contacts by a Primerica Representative should send an email to: canada_marketing@primerica.com.

Additional Terms
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

No Warranties
THE ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS OF THE INFORMATION ON THIS SITE CANNOT BE GUARANTEED. To the fullest extent permitted by law, the information given in connection with the information and material here is provided "as is" and “as available” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement of third party rights, or freedom from computer virus. There are inherent risks in the use of any software or information found on the Internet, and you acknowledge that you understand these risks before making use of this site.

Link Policy
You are granted a limited, non-exclusive right to create a hypertext link to this site; provided the link does not portray the Primerica Companies or any of their respective products and services, in a false, misleading, derogatory or otherwise defamatory manner. This limited right may be revoked at any time. Without Primerica's express written consent, you may not use, frame or utilize framing techniques to enclose any Primerica trademark, logo or other proprietary information, including the images found at this site or the content of any text or the layout/design of any page or form contained on a page. Except as noted above, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright or proprietary right of Primerica or any third party.

This site may contain links to websites controlled or offered by third parties (non-affiliates of Primerica). Primerica hereby disclaims liability for any information, materials, products or services posted or offered at any of the third party sites. By providing a link to a third-party website, Primerica does not endorse or recommend any products or services offered or information contained at that website, nor is Primerica liable for any failure of products or services offered or advertised at those sites. The third party may have a privacy policy different from that of Primerica and the third party website may provide less security than the Primerica site.

Submissions to Primerica
All information submitted to Primerica via this site shall be deemed and remain the property of Primerica and Primerica shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Primerica through this site. Primerica shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Primerica entity having the direct customer relationship or as otherwise specifically agreed or required by law.

Copyright and Trademark Rights
Copyright © Primerica, Inc. 2016. All Rights Reserved. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and their arrangement, is owned by Primerica unless otherwise indicated.

The Financial Needs Analysis and Investor Profile Questionnaire software applications ("Applications") are copyrighted material under the laws of Canada and international treaty provisions. These Applications, regardless of the form or media in which the original or copies may exist are the sole and exclusive property of Primerica. These Applications, including the source and object codes, logic and structure, constitute valuable trade secrets of Primerica. Primerica may, in its sole discretion, change, terminate, suspend, or discontinue any aspect of the Applications, including, but not limited to, Content, features, or hours of availability.

Trademarks
The trademarks, service marks, logos, trade dress, URLs and domain names ("marks") appearing on this site are the property of the Primerica Companies or other third parties who have given Primerica license to use the marks. You may not use, copy, download or display any of the marks. Any unauthorized use of any mark is strictly prohibited. All rights in the marks are reserved by Primerica, Primerica, Inc., and their affiliated companies. Other products and company names mentioned in the site may be the trademarks of their respective owners.

Primerica®, Primerica Ring, the Primerica ring design, Primerica EnhanceTM, Custom AdvantageTM, ConcertTM, the ConcertTM Logo, Common Sense FundsTM, SMART LoanTM and DebtWatchersTM are trademarks and service marks of the Primerica Companies, and are used in the United States and Canada. The Primerica Companies also claim rights in certain other trademarks and service marks contained in these web pages.

LIMITATION OF LIABILITY: IN NO EVENT WILL PRIMERICA BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF PRIMERICA, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Accessibility

Primerica is committed to excellence in serving all clients including people with disabilities in accordance with the Accessibility for Ontarians with Disabilities Act, 2005 (the “AODA”). 

The purpose of the AODA is to develop, implement, and enforce standards to achieve accessibility for persons with disabilities in the following areas:  goods, services, facilities, information and communication, employment, transportation, buildings, structures and premises.

Accessible Customer Service
Customer Service Policy Statement for Providing Products and Services to People with Disabilities

 DOWNLOAD PDF

Primerica's Customer Service Policy Statement for Providing Products and Services to People with Disabilities demonstrates its commitment to sound governance, accountability and service excellence.  As part of this commitment, Primerica will use reasonable efforts to ensure that our policies, practices and procedures are consistent with the following principles:

  1. Products and services will be provided in a manner that respects the dignity and independence of persons with disabilities.
  2. The provision of our products and services to persons with disabilities and others will be integrated unless an alternate measure is necessary, whether temporarily or on a permanent basis, to enable a person with disabilities to obtain, use or benefit from our products and services.
  3. Persons with disabilities will be given an opportunity equal to that given to others to obtain, use and benefit from the products and services.

Training
Primerica will train all Primerica representatives and Head Office employees and will ensure that any third parties who act on our behalf are aware of our procedures.  For more details on our training program, please refer to the Customer Service Policy Statement for Providing Products and Services to People with Disabilities.

Notice of Service Disruptions
Primerica will notify clients and visitors in the event of a planned or unexpected disruption in the facilities or services usually used by people with disabilities.  This notice will include information about the reason for the disruption, its anticipated duration, and a description of alternative facilities or services, if available.  Depending on the circumstances, the notice will be placed on Primerica Canada's public website and/or at or near the affected Primerica related facility or service.

In the event of an unexpected disruption, Primerica shall provide notice as soon as is reasonably possible.

Feedback
Primerica welcomes public input and comments on the provision of our products or services to persons with disabilities.  Feedback helps identify areas where changes need to be considered and ways in which we can improve the delivery of Primerica products and services.

Feedback may be provided by telephone, in person, in writing, by e-mail or by filling out the Primerica Service Feedback form. We will consider the feedback provided and respond as soon as possible if requested.

Please direct feedback to:

Primerica Canada Head Office
Attention: Regulatory Compliance
2000 Argentia Road, Plaza 5, Suite 300, Mississauga, Ontario L5N 2R7
Email: canada_compliance@primerica.com
Phone: (905) 812-2900
Fax: (905) 813-5314
For TTY/Teletypewriter users: (855)-774-8899

For further information, please refer to Primerica's Customer Service Policy Statement for Providing Products and Services to People with Disabilities.

Primerica’s Accessibility Policy & Multi-Year Accessibility Plan (the “Accessibility Plan”)

Introduction and Statement of Commitment

The Integrated Accessibility Standards Regulations (Ontario Regulation 191/11) (“IASR”) under the Accessibility for Ontarians with Disabilities Act, 2005 require that effective January 1, 2014, Primerica must establish, implement, maintain and document accessibility policies and a multi-year accessibility plan which outlines Primerica’s strategy to prevent and remove barriers for persons with disabilities and to meet its requirements under the IASR. Primerica has combined its accessibility policies and it multi-year accessibility plan into one document. Please see the Accessibility Plan.

Download PDF

Under the IASR, the following accessibility strategies set out the requirements that are applicable to Primerica:

  • workplace emergency response information;
  • training;
  • information and communication;
  • employment; and
  • built environment - design of public spaces standards

The Accessibility Plan outlines Primerica’s strategy to prevent and remove barriers to address the current and future requirements of the IASR.
In accordance with the requirements set out in the IASR, Primerica will:

  • post the Accessibility Plan on its website (http://www.primericacanada.ca/);
  • provide the Accessibility Plan in an accessible format, upon request; and
  • review and update the Accessibility Plan at least once every five years.

Other Primerica Resources