Primerica, Inc. (Primerica) is a distributor of financial products to middle income households in the United States and Canada. The Company assists its clients in meeting their needs for term life insurance, which the Company underwrites, and mutual funds, annuities and other financial products, which the Company distributes primarily on behalf of third parties. The Company operates in three segments: Term Life Insurance and Investment and Savings Products and Other Distributed Products. As of December 31, 2012, the Company insured more than 4.3 million lives and approximately 1.9 million clients maintained investment accounts with the Company. The Company�s primary subsidiaries include Primerica Financial Services, Inc. (PFS),Primerica Life Insurance Company (Primerica Life) and PFS Investments Inc. (PFS Investments).