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Primerica Is Building a Faster Digital Sales Machine—And Term Life Is the Launchpad!

Primerica Inc.’s third quarter results for 2025 reflect a mixed performance across its business segments, highlighting the resilience and adaptability of its core business model while also showcasing challenges in specific areas. Adjusted net operating income reached $206 million, signifying a 7% increase from the previous year, with diluted adjusted operating earnings per share rising by 11% to $6.33. This robust growth underscores Primerica’s effective capital allocation strategies, returning $163 million to shareholders through share repurchases and dividends. The company continues to face challenges in its Term Life segment, where new policy issuance dropped by 15% year-over-year, attributed largely to cost-of-living pressures impacting middle-income families, the primary market for Primerica. The decrease in life sales productivity per representative was notable, with the company issuing around 79,379 new policies during the quarter.