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Primerica Financial Services (PFS) is a referral marketer[3] of financial services through a large sales force of full-time & part-time representatives. Headquartered in unincorporated Gwinnett County, Georgia,[4] the company is currently segregated from Citi as part of Citi Holdings, having announced its intention to completely divest away from its parent through an IPO to occur in 2010.[5] It is the largest financial services marketing organization in North America with more than 100,000 licensed independent representatives, 26,000 of whom are FINRA securities licensed through Primerica's securities broker-dealer affiliate PFS Investments, Inc. in the US, and through PFSL Investments Canada Ltd. in Canada.[6] The company provides financial products and services through its affiliates that include term life insurance, mutual funds, variable annuities, segregated funds, loans, long-term care insurance, pre-paid legal services, credit monitoring and debt management plans, to over 6.3 million clients through a network marketing formatted sales model.[6] In August 2007 Primerica and Answer Financial introduced Primerica Secure, an auto and homeowner's insurance referral program to quotes from dozens of insurance carriers. In September 2009, Primerica and Equifax teamed up to offer DebtWatchers,[7] a credit monitoring and debt management tool for clients as another way to fight debt.

Primerica conducts business principally in the United States. Primerica first expanded internationally in 1986 when it began operating in Canada, where agents sell life insurance and segregated funds from the Primerica Life Insurance Company of Canada, and securities from PFSL Investments Canada Ltd. Canadian agents also refer clients to CitiCorp Home Mortgage for their $.M.A.R.T. Loan product.[8] In 2000 the company expanded overseas to Spain, commencing operations as CitiSoluciones[9], which later became known as PriEuropa.