In what’s been heralded as the largest Relay event in the world, the Gwinnett County Relay for Life event was held the first weekend in May, and it stayed true to its reputation. Each year, Primerica is a big part of this monumental event, raising money and donating printing services. This year Karen Fine, executive vice president of Human Resources, was excited to present a check for $30,000 to the Relay organizers – part of the company’s corporate sponsorship through the Primerica Foundation and separate from the more than $34,000 the Home Office employees have raised during various on-campus events.

Fine says, “It’s such a humbling experience to be able to hand over that check. Primerica is dedicated to helping the American Cancer Society, and the families they represent, to celebrate more birthdays. That’s why we’ve put forth so much effort to support ACS for so many years now – this year as the Presenting Sponsor.”

While the Relay for Life was created to help raise funds for the American Cancer Society, awareness has become a huge part of the event. Teams of people camp out at the Gwinnett County fairgrounds and take turns walking or running around the track in honor of survivors, in memory of those lost to cancer and in support of those who are battling the disease. Because cancer never sleeps, Relays are overnight events lasting up to 24 hours.

The 2012 Relay event is over, but the fundraising continues. If you want to help the American Cancer Society to raise money for research and awareness campaigns, please visit www.relayforlife.org.

Our public website, Primerica.com, just got a makeover! Upgraded with all-new videos and content, the revamped Primerica.com shows how we help Main Street families transform their financial futures. Take a look at the new videos, financial concepts and information about our products and solutions. Our new website gets to the core of what we do and why we do it. Primerica: changing the financial future for Main Street, one family at a time.

Primerica recently sponsored the National Journal Financial Policy Summit, a major policy forum in Washington, DC. Primerica Co-CEO John Addison gave the opening and closing remarks for the event.

Host Jim Tankersley, National Journal Economics Correspondent, moderated “Are the Joneses Keeping Up?” – a panel discussion on the topic of policy prescriptions designed to lead to greater economic security for middle-income families. Honored panelists included U.S. Senator Saxby Chambliss (R-GA) and U.S. Senator Richard Blumenthal (D-CT) and others who addressed and proposed solutions to some of the problems facing average American families.

Addison remarked, “The topic of helping middle-income families toward greater financial security is a natural fit for Primerica because, since our inception in 1977, we have had a singular focus on helping Main Street families become properly protected, debt free and financially independent. I’ve been with the company for more than 30 years and strongly believe that no other financial services company is as familiar with the financial needs, worries and, yes, the dreams and ambitions of average families. Since emerging as an independent company from our IPO two years ago, it is important that we ensure our voice is heard on key issues that are important and relevant to our business, our representatives and our clients.”

While women have made great strides in the workplace, a new study* shows that 92% still want greater flexibility.

• A full 65% of women say it’s more important to have more time in their lives than to make more money at their jobs.
• 92% of women say flexibility is a key part of finding the right career. “Women are finished living to work; now we want to work to live.”
• 43% say they are less ambitious than they were 10 years ago, and 73% say they would not apply for their boss’s job.

But money is important too. And the costs of living and raising a family just keep going up. Primerica offers women the opportunity to start a business, the potential to make more money, and the ability to create a flexible schedule. Are you looking for greater flexibility in your life? Primerica could be a great fit for you.

At Primerica, women entrepreneurs enjoy a great support system as they build a business that works around their lives. Every two years the Women in Primerica program holds a meeting to encourage women’s success. This year’s conference will be held September 21-23 at the beautiful Beau Rivage Resort and Hotel in Biloxi, Mississippi! Women will get the “inside” scoop on how Primerica’s most successful women have made it happen – and how they can, too!

*More Magazine, November 2011

Is insurance still a boys’ club? Frances Avrett, a Primerica veteran and leader of the Women in Primerica initiative, thinks the tides have changed. Read what she has to say in the March 2012 issue of LifeHealthPro.

Lynne Cook of Warner Robins, GA was a Primerica client for 10 years before she decided to try helping families part-time as Primerica representative. “We had already put the Primerica principles in action and had no debt except for our house,” she recalls. “I just wanted to earn an extra $1,500 a month and be with my kids.” After three years of part-time income, she took the leap to full-time. “I earned $68,000 my first year and more than $100,000 my second year, and have never looked back.” Lynne now earns $179,464* a year and has the freedom and flexibility to be there for her family when they need her. “I just grow my business as I go through normal, day-to-day life,” Lynne explains. “Like at karate meets and school events, you’re surrounded by other parents who are trying to figure out how to pay the bills.” For Lynne, small changes added up to a whole-life transformation. If you’d like to learn more about how you can start your own business part-time helping families, ask your Primerica representative about the part-time opportunity.

*Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of February 2012. The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12‑month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to the sales force at an average of $5,544 per licensed representative. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.

Have you been fighting the recession by cutting back on your savings? Earn more money to stay on track!

It’s a sobering reality for many: In order to make ends meet, many people are skipping saving for the future. One-in-three workers (33%) say they don’t participate in any long-term retirement savings plans like 401(k)s or Individual Retirement Accounts (IRAs), and 30% aren’t saving anything month-to-month.*

If you fall into any of these groups, consider another alternative: Earning more money to save for the future. Taking on even a few hours of extra work a month can make a real difference! Many people just like you found a great way to earn extra money for savings by helping families with their finances. You don’t need any special education or skills – just a desire to help people achieve financial freedom. Your Primerica representative can help you get started for very low up-front costs. For example, Lixa Dias, a housecleaner from Jamesburg, NJ, has saved $53,000** for her children’s college education by working part-time as a Primerica representative since she started in 2008!

If you’re among the many people who are skipping saving in order to make ends meet, remember, neglecting your savings can have serious long-term consequences for your financial health! Earning even a few hundred dollars a month as a Primerica representative could really make a big difference to your financial future (see chart below).

*Careerbuilder.com, viewed May 10, 2011
**Note: Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of March 2011. The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels illustrated. In the 12‑month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to the sales force at an average of $5,544 per licensed representative. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.

You can’t skip your car insurance bill, but you can take measures to lower the price tag.

1. Drive less. Have you cut down on your driving significantly? If so, you might be eligible for a low-mileage discount. If you don’t report it, your auto insurance company won’t know to cut your rates.
2. Raise your deductible. While you’ll have to pay more out of pocket should you have an accident, the price reduction in your insurance bill may make up for it. For example, increasing your deductible from $200 to $500 on collision coverage could reduce your cost by 30%.*
3. Shop around. Thanks to industry competition, there’s never been a better time to find a lower rate for auto insurance by shopping around. Too busy to check? Some services – like Primerica Secure – will do the shopping for you. The average client saves as much as $461 annually on their auto insurance!**

*YahooFinance, November 22, 2011
**Savings amount is based on a survey of people who purchased insurance from Answer Financial and responded to the survey with their estimated savings statements during October 2010 to December 2010.

The newspaper in Durango, Colorado, asked the same question. As one of Primerica’s original seven founders, Rusty can appreciate the importance of recorded history. His love for history compelled him to start a collection that rivals any historian’s. In a recent article, The Durango Herald writers take a walk through time as they walk through Rusty’s new office in his new hometown. Check out the collection for yourself!

In its second run at providing clean water and other relief to citizens of earthquake-ravaged Haiti, the organizers of the 2012 Primerica African American Leadership Council National Conference rallied the meeting’s more than 5,000 registered attendees to donate $20,000 to the this important cause.

Through its Lights on Haiti campaign, the organization accepted donations in exchange for a neon-colored flashlight to acknowledge those who are helping to keep a spotlight on an area that is still in desperate need of help. Because of contributions from the 2011 conference, Saint Pierre School in Mirebalais now has a water filtration system. The 1,050 student enrolled there can now drink clean water. Now, Children at Caprofors School, also in Mirebalais, will enjoy clean, safe water, as well.

The charitable efforts during the AALC National Conference are just a part of the weekend. Primerica representatives descended on Atlanta to participate in motivational workshops and performance recognition, too. As usual, representatives were inspired to register for the 2013 conference. Nearly 6,000 tickets have already been sold! For information on the Primerica African American Leadership Council, email AALC@primerica.com.