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Primerica: Expanding Its 150,000-Strong Sales Network to Fuel the Next Phase of Growth!

Primerica delivered strong financial results in 2025, marked by record adjusted operating revenues of $3.3 billion (up 8%), adjusted net operating income of $751 million (up 10%), and diluted adjusted operating income per share growth of 16% to $22.92. The company demonstrated robust cash flow generation and capital deployment discipline, returning 79% of net operating income to shareholders via dividends and share repurchases, contributing to a 200 basis point ROAE improvement to 33.1%. These outcomes reflect the resilience and balance of Primerica’s diversified business model, incorporating fee-based investment and savings products (ISP) alongside its Term Life insurance segment. The ISP segment showed particularly strong momentum, with full-year sales up 24% to $14.9 billion and client assets increasing 15% to $129 billion. This growth was driven by demographic tailwinds, including clients nearing retirement increasingly seeking annuity and managed account solutions, as well as elevated sales force engagement and product diversification.