Primerica Life Insurance Review 2026

Primerica is a multi-level marketing company (MLM) but is financially stable and draws relatively few consumer complaints. However, the company’s website falls short when it comes to policy details, and its sales tactics may turn off some consumers.

Primerica earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

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Where Primerica stands out

Primerica has plenty of ways to customize coverage with a range of terms, riders and policy face amounts starting at $15,000. Additionally, there are ways to convert your policy when the term ends either by continuing or decreasing your coverage. Primerica also offers a complimentary “financial needs analysis” to help its customers figure out how much life insurance to buy.

Where Primerica falls short

Be aware that Primerica uses a multilevel marketing structure for sales, which can be a sticking point for some people. Its agents are not employees, but rather independent contractors. For context, most other companies sell their products through full-time agents who make a career in life insurance sales. Primerica also has limited policy information on its website and you can’t get a quote online.

Term life insurance. Primerica sells term life insurance nationwide, though you’ll need to contact a representative to apply for or buy a policy. In most states, you can choose a policy lasting 10, 15, 20, 25, 30 or 35 years. Primerica issues policies worth as little as $15,000, with an unlimited maximum coverage amount for qualifying applicants.

The insurer offers a range of add-ons, like a waiver of premium rider that pauses your premiums if you become disabled and can't work. The accelerated death benefit rider typically allows you to access up to 40% or $250,000 of the death benefit (whichever is lower) if you’re diagnosed with a terminal illness. If you also have a disability waiver of premium rider, you may be able to access up to 70% or $400,000 of your policy’s payout while you’re alive.

Primerica offers several choices for customers who are approaching the end of their initial policy term and want to extend their coverage. You can choose any of the following options without taking a medical exam:

• Continuation of existing coverage. Premiums will go up every five years until you turn 70, then continue to rise each year until age 95.

• Annual renewable term coverage. With this option, you’ll keep the same coverage amount but pay a higher premium each year.

• Decreasing term coverage. Your premium will stay the same but your death benefit will go down over time.

• “Custom Exchange” coverage. Provides level coverage for 10 years, then decreases coverage up to age 100. 

» MORE: Compare life insurance quotes

A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Over three years, Primerica has drawn fewer than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.

Primerica ranked No. 13 out of 22 companies for customer satisfaction in J.D. Power's 2025 U.S. Individual Life Insurance Study.[1]

What it’s like to apply for a policy with Primerica

There’s no way to apply for a policy online with Primerica. Instead, the website encourages you to reach out to a representative near you to discuss your options. You can filter down to the neighborhood in some states, and get phone and email details for agents in the area.

How Primerica’s customer experience stacks up

Primerica’s site may be a little confusing to navigate for people seeking life insurance. The top of the homepage emphasizes a “financial education guide,” and you need to scroll down a bit to get a link to the company’s term life insurance page. You can also find a link to this page in the top navigation bar under “Solutions,” which may not be the most intuitive term for insurance shoppers.

Screenshot captured by our editorial team on October 23, 2025.

The term life page outlines the basics of life insurance policies but relatively few specifics about Primerica’s products. For example, there’s no information about which riders might be available or how much your premiums might be. However, there are multiple buttons inviting you to contact a representative, who would be able to provide more details.

When we tried calling Primerica directly to get details about its policies, we weren’t able to get a human on the phone because we didn’t have a policy number. The customer service line is designed for people who are already Primerica policyholders. If you’re a prospective customer looking for information, you’ll need to call a local representative.

The MyPrimerica mobile app is available for Apple and Android devices. You can use it to manage your life insurance policy, including making payments and changing beneficiaries. You can also view your policy documents and get contact information for your Primerica representative.

What it’s like to apply for a policy with Primerica

There’s no way to apply for a policy online with Primerica. Instead, the website encourages you to reach out to a representative near you to discuss your options. You can filter down to the neighborhood in some states, and get phone and email details for agents in the area.

• What Reddit users say about Primerica

  Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like life insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.

  Reddit threads about Primerica life insurance are generally negative, with several users commenting on the company’s aggressive sales tactics. There were also several complaints about the fairly low commission rate involved in selling life insurance policies for Primerica.

Primerica sells additional financial products and services through its partners, such as auto insurance and homeowners insurance.

The company also offers investment accounts like annuities and education savings plans, as well as legal and identity theft services provided by third parties.

Primerica can be reached by:

• Phone: Call 800-257-4725 for policy information, changes or cancellations. To file a claim, call 888-893-9858 on weekdays from 8 a.m. to 5 p.m. ET.

• Email: For general policy inquiries, send a message to plic@primerica.com. For claims, email us_lifeclaims@primerica.com.

• Live chat: Not available.