Primerica, Inc. is a publicly traded company based in Duluth, Georgia, that sells term life through its own network of licensed representatives. Known for selling term life only, usually larger coverage amounts for families, through part-time representatives who often also sell investments. Life Insurance Policy Desk is not Primerica. We are an independent brokerage that helps policyholders of any carrier, and the review costs nothing.
Your policy may be issued under a related name such as Primerica Life Insurance Company or National Benefit Life Insurance Company (New York). The help on this page applies to those policies too.
Looking for Primerica customer service or a phone number?
Many people who search for Primerica customer service or a Primerica life insurance phone number want one of two things: a straight answer about a policy, or coverage like it. Life Insurance Policy Desk is not Primerica and cannot see or change your account with the company. For a free, independent review of the policy, or to compare Primerica with other carriers, call a licensed agent at (888) 000-0000.
Why people with Primerica policies call us
- A premium notice that is higher than expected
- Updating a beneficiary after a marriage, divorce, birth or death
- Finding an old policy, or confirming one is still in force
- Questions about cash value, loans, dividends or surrender
- A missed payment, billing problem or lapse notice
- Deciding whether to keep, change or replace the policy
Specific to Primerica policies
- Term policies with no cash value and no option to convert to permanent coverage
- Premiums that rise sharply when the level term period ends
- Riders covering a spouse or children under one policy
- Layered coverage where parts of the policy end at different times
Policyholders are mostly families with children who bought a term policy from a friend or acquaintance who was a representative, and they call about renewal premiums, increasing coverage and whether to replace the policy.
What to have ready before you call
- Your policy number, from a premium notice, annual statement or the policy document
- The insured person's full name and date of birth
- The most recent statement or premium notice, if you have one
No paperwork? That is common with older policies. The insured's name, date of birth and last known address are usually enough to start a search with Primerica, and our guide to finding a lost life insurance policy covers the other places to look.
Thinking about canceling your Primerica policy? Read this first
Canceling is usually permanent, and replacing coverage later means new underwriting at an older age. Depending on your policy, one of these options may keep some protection in place:
- Lowering the face amount to bring the premium down
- Checking whether the policy can convert to permanent coverage without a new medical exam
- Shopping a replacement and putting it in force before the old policy ends
- Asking about reinstatement if the policy lapsed recently
Before you change anything, find out what the policy is worth today, what you would give up, and what replacing it would cost. A licensed agent can lay those numbers out side by side.
How a free independent policy review works
- Call. Tell us what you own and what you want to find out. Ten minutes is usually enough to start.
- Review. We go through the policy with you: coverage amount, premium, cash value, riders, beneficiaries, and how it fits your situation now.
- Options. You get a plain-English summary and your choices, which may simply be to keep the policy as it is. No obligation.
Frequently asked questions about Primerica policies
How do I find out whether my Primerica policy is still in force?
Start with your most recent premium notice or annual statement; an active policy keeps generating them. If you have nothing on paper, Primerica can usually locate a policy from the insured's full name, date of birth and address. We can also help you confirm the policy's status and what it is worth today.
Can I convert my Primerica term policy to whole life?
No. Primerica sells term insurance only, so its policies do not include a conversion option to permanent coverage. If you want lifelong coverage or cash value, you would need a new policy from another insurer, which means new underwriting at your current age and health. A licensed agent can compare that cost with keeping the term policy.
How do I change the beneficiary on my Primerica policy?
The policy owner requests a beneficiary change form from Primerica, completes it with the new beneficiary's full legal name, relationship and date of birth, signs it and returns it. If a beneficiary was named as irrevocable, that person must consent. Keep a copy and ask Primerica for written confirmation that the change was recorded.
Does my Primerica term policy have any cash value?
No. Term life insurance pays a death benefit if the insured dies during the term and does not build cash value, so there is nothing to borrow against or cash out. If you want coverage with cash value, check whether your Primerica policy includes a conversion option, which lets you move to permanent coverage without a new medical exam.
Why did my Primerica premium go up?
Common reasons include a term policy reaching the end of its level period or moving into a new age band, a universal life policy whose cost of insurance has risen, a rider added to the policy, or a change in payment frequency. Your premium notice should show which applies. A policy review can confirm the cause and whether a lower-cost option exists.
Can you take a payment or fix a billing problem on my Primerica policy?
No. We are independent and cannot access your Primerica account or take payments on its behalf. We can explain what the notice means, how the grace period works, what happens if the policy lapses and how reinstatement usually works, so you can sort the billing issue out with Primerica directly and with less stress.
Should I cancel my Primerica policy?
Only after you know what you would give up. Canceling is usually permanent, replacement coverage costs more at an older age, and permanent policies may have cash value or guarantees you cannot get back. Compare the current policy, the alternatives above and a replacement quote before deciding. A free review puts those numbers side by side.