Orlando Jerome Hardman
Primerica Financial Representative

Disclosures

¹Primerica Representatives are independent contractors. Representatives are not licensed to sell all products in all states/provinces. Representatives may provide products and services only to individuals in those jurisdictions where they are licensed or approved. For more information, see Primerica's Important Disclosures.

Term life insurance provides a death benefit and its premiums increase after initial premium periods at certain ages. Term life insurance products and Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Suite 400 6985 Financial Drive, Mississauga, ON, L5N 0G3, Phone: 905-812-2900. Not all products are available in all provinces. Securities offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, GA 30099-0001; 770-381-1000, in the U.S., and PFSL Investments Canada Ltd., Mutual Fund Dealer, 6985 Financial Drive, Suite 400, Mississauga, ON, L5N 0G3, 905-812-2900 in Canada.

Investor's Business Daily #1 Most Trusted Life Insurance Company: Survey results are presented solely with respect to Primerica’s U.S. term life insurance business. Term life insurance underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY in New York State; Primerica Life Insurance Company, Executive Offices: Duluth, GA in all other U.S. jurisdictions; and Primerica Life Insurance Company of Canada (Head Office: 6985 Financial Drive, Suite 400, Mississauga, ON, L5N 0G3, Phone: 905-812-2900) in Canada.

AM Best: The following Primerica life insurance companies have been rated A+ (Superior) by AM Best, as of November 15, 2023: Primerica Life Insurance Company, Primerica Life Insurance Company of Canada, and National Benefit Life Insurance Company. AM Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, B++, B+, B, B-, C++, C+, C, C-, D, E, F. For the latest Best’s Credit Rating, access www.ambest.com.

Forbes 2022 America’s Best Insurance Companies: Forbes. com, “Forbes 2022 America’s Best Insurance Companies”, October 24, 2022

Primerica Secure™: A personal lines insurance referral program in which representatives may refer individuals to Answer Financial Inc., which offers insurance products and services of personal lines insurance companies through its licensed affiliates. Not all insurance products and services are available in all states. Neither Primerica, the sales representatives nor the Secure Program™ represent any of the insurers in the Answer Financial program. For more information, please see www.PrimericaSecure.com.

Home automation and security services offered by Vivint, Inc. in the United States. Under a referral program, representatives may refer individuals to Vivint. The products and services offered by the companies noted above may not be available in your jurisdiction or state. The products and services your Primerica representative may be able to offer also may be limited. Available products may be applied for and purchased separately. Please consult your local Primerica office or your Primerica representative for a listing of products and services available.

IDTheftDefense℠ is offered by contractual agreement between Primerica Client Services, Inc. and Prepaid Legal Services, Inc. d/b/a LegalShield ("LegalShield"). ID Theft Defense is a product of LegalShield and provides access to identity theft protection and restoration services. Neither Legal Shield nor its officers, employees, or sales associates directly or indirectly provide identity theft protection, restoration services, or advice. Primerica Client Services, Inc. and its officers, employees and sales representatives do not directly or indirectly provide identity theft protection, restoration services, or advice. ID Theft Defense or certain product features or services may not be available in all U.S. States. See specific plan details for terms, coverage, conditions, and exclusions.

In the U.S., securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org]. PFS Investments Inc. conducts its advisory business under the name Primerica Advisors.

Primerica Legal Protection Program: A legal services program offered by Pre-Paid Legal Services, Inc. (“PPLSI”) or its applicable subsidiary, through contractual agreement between Primerica Client Services, Inc. and PPLSI. Neither Primerica Client Services, Inc., nor its officers, employees or sales representatives directly or indirectly provide legal services, representation or advice. PPLSI provides access to legal services offered by a network of provider law firms through membership-based participation. Neither PPLSI nor its officers, employees or sales associates directly or indirectly provide legal services, representation or advice. Services and benefit availability may vary by state. See a plan contract for specific state of residence for complete terms, coverage, amounts, conditions and exclusions.

U.S. Mortgage Disclosures:
Primerica Mortgage, LLC, NMLS #1723477 (https://nmlsconsumeraccess.org). EQUAL HOUSING OPPORTUNITY. Primerica Mortgage, LLC is a state licensed Mortgage Broker, with its headquarters office located at 1 Primerica Parkway, Duluth, GA 30099-0001. Phone Number: 1-855-357-1054. Mortgage products are offered through a contractual agreement between Primerica Mortgage, LLC and a third-party lender.; This is not a commitment to lend or extend credit. All loans, credit, and collateral are subject to underwriting and approval by the lender. Terms, rates, data, programs, information, and conditions are subject to change without notice. Not all loan products are available in all states. Specific program restrictions may apply so please consult your Mortgage Loan Originator (MLO) for complete details. Your MLO may only originate mortgage loans on real property that is located in a state where both Primerica Mortgage, LLC and the MLO are licensed to transact mortgage business. While refinancing your existing loan may reduce your monthly payment, your total finance charges may be higher over the life of the loan. Primerica Mortgage, LLC is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. For additional disclosures and a complete list of states where residential mortgage loans are offered, please visit https://bit.ly/PriMortgage.

Alabama: Primerica Mortgage, LLC. Alabama Mortgage Brokers License # 22841.

Florida: Primerica Mortgage, LLC. Florida Mortgage Broker License # MBR2580.

Georgia: Primerica Mortgage, LLC. Georgia Mortgage Broker/Processor License/Registration # 1723477.

Texas: Primerica Mortgage, LLC. Texas Department of Savings and Mortgage Lending Mortgage Company License, NMLS #1723477. 1 Primerica Parkway, Duluth, GA 30099 0001. Texas Location: 14340 Torrey Chase Blvd, Ste 153, Houston, Texas 77014.
Per Texas Administrative Code 7 TAC §80.200(b): CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Life-licensed Primerica representatives are agents of certain affiliated Primerica Companies.In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York. In the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia. In Canada: Term life insurance products and Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. Not all products are available in all states or provinces. Securities offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, GA 30099-0001; 770-381-1000, in the U.S., and PFSL Investments Canada Ltd., Mutual Fund Dealer, 6985 Financial Drive, Suite 400, Mississauga, ON, L5N 0G3, 905-812-2900 in Canada.