Find a Primerica Representative in Kitchener, ON

Disclosures

Primerica 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 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.

• In Canada, Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada. Mutual Funds are offered by PFSL Investments Canada Ltd., mutual fund dealer. Representatives not licensed with these entities cannot sell to you, or discuss with you, any securities or investment products. Canadian Head Office Address: 6985 Financial Drive, Suite 400, Mississauga, Ontario L5N 0G3. Commissions, trailing commissions, management fees and expenses all may be associated with mutual funds and segregated funds. Please read the prospectus or information folder before investing. Mutual funds are not guaranteed. For segregated funds, subject to the guaranteed maturity value and the guaranteed death benefit, the amounts you receive under your contract are not guaranteed. Mutual fund and segregated fund values change frequently, and past performance may not be repeated. Head Office: 6985 Financial Drive, Suite 400, Mississauga, ON L5N 0G3 | 905-812-2900.

• Primerica Secure™ is available only in Alberta, Ontario, and British Columbia. Auto & Home insurance are available in AB and ON. Property & Home insurance are available in BC. Auto & Home insurance is offered through a referral arrangement by contractual agreement between SurexDirect.com (SurexDirect.com Ltd. and SurexDirect.com (Ontario) Ltd.) and Primerica (Primerica Life Insurance Company of Canada and PFSL Investments Canada Ltd.). Auto & Home insurance is not directly offered by Primerica. Primerica representatives make Auto & Home insurance referrals to SurexDirect.com and shall not act in connection with, or recommend or provide advice about, any general insurance product offers or discounts. Primerica representatives receive referral fees paid by SurexDirect.com, which in no way affects insurance quotes or premiums paid by the customer. Primerica and its affiliates are not affiliated with SurexDirect.com.
• In Canada, Primerica representatives make simple referrals of clients to B2B Bank and 8Twelve Mortgage Corp. for debt consolidation loans secured by residential real estate.

Primerica Representatives make simple referrals of clients to approved third party mortgage loan providers under Primerica's mortgage loan referral programs. The simple referrals made by the Representatives take place pursuant to agreements between Primerica Life Insurance Company of Canada, PFSL Investments Canada Ltd., and approved third party mortgage loan providers. Clients should contact the approved third party mortgage loan providers for questions regarding mortgage products. 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 Primerica's mortgage loan referral programs. Please consult your local Primerica office or your Primerica Representative for further details regarding Primerica's mortgage loan referral programs.

⁶⁼Pre-Paid Legal Services (PPLS)(Canada):
• Pre-Paid Legal is available in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario. Primerica representatives are independent contractors and make referrals of clients to PPL Legal Care of Canada Corporation (d/b/a LegalShield ("LegalShield")) through contractual agreement with Primerica Client Services Inc. and PFSL Investments Canada Ltd. ID Theft Defense℠ (IDTD) services are available throughout Canada except Quebec. LegalShield provides access to identity theft protection and restoration services. See an IDTD services plan for complete terms, coverage, conditions, and limitations.
⁷Identity Theft Protection (Theft Defense^SM ):
• ID Theft Defense^SM Primerica Representatives are independent contractors and make referrals of clients to PPL Legal Care of Canada Corporation (d/b/a LegalShield ("LegalShield")) through contractual agreement with Primerica Client Services Inc. and PFSL Investments Canada Ltd. ID Theft Defense℠ (IDTD) services are available throughout Canada except Quebec. LegalShield provides access to identity theft protection and restoration services. See an IDTD services plan for complete terms, coverage, conditions, and limitations.
⁸Third largest issuer of term life insurance in the U.S.:
• Combined total of Primerica's life insurance companies: Primerica Life Insurance Company (Executive Offices: Duluth, GA), National Benefit Life Insurance Company (Home Office: Long Island City, NY), and Primerica Life Insurance Company of Canada (Head Office: 6985 Financial Drive, Suite 400, Mississauga, ON, L5N 0G3, Phone: 905-812-2900). 2022 U.S. and Canadian face amount sales are reported by SNL Financial and OSFI Data. 2022 exchange rate: C$/US$: 0.7692923.
⁹Investor's Business Daily #1 Most Trusted Life Insurance Company:
• Primerica was recognized as the #1 Most Trusted Life Insurance Company by Investor’s Business Daily, as of August 26, 2022. This award recognizes the relationships our licensed representatives build with their clients in addition to the quality, customer service, and innovation offered.
• 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.
¹⁰Investor's Business Daily #3 Most Trusted Financial 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. From Investor’s Business Daily, “#3 Most Trusted Financial Company by Investor’s Business Daily,” as of August 26, 2022.
¹¹Insurance:
• 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.

¹²Investments and Securities:
• In the U.S., securities offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001, a broker-dealer and investment adviser registered with the Securities & Exchange Commission (SEC), a member of the Financial Regulatory Authority (FINRA) [www.finra.org] and a member of the Securities Investors Protection Corporation (SIPC) [www.sipc.com]. PFSI's advisory business is conducted under the name Primerica Advisors. Fixed indexed annuities are offered by Primerica Financial Services, LLC (PFS). PFSI, PFS and Primerica Inc. are affiliated companies.
• Morgage Disclosures Section