- Page 1 and 2: Freedom Lives Here 2010 Annual Repo
- Page 3 and 4: A Main Street Company for Main Stre
- Page 5 and 6: North America’s vastmiddle-income
- Page 7 and 8: More than 50 percent of U.S. househ
- Page 9 and 10: We are PrimericaPrimerica is a Main
- Page 11 and 12: Primerica helps familiescreate a fi
- Page 13: René Turner wasalways told growing
- Page 19 and 20: UNITED STATESSECURITIES AND EXCHANG
- Page 21 and 22: CAUTIONARY STATEMENT CONCERNING FOR
- Page 23 and 24: PART IITEM 1.BUSINESSOverviewPrimer
- Page 25 and 26: them reduce and ultimately pay off
- Page 27 and 28: With the support of our home office
- Page 29 and 30: ecognized with the sales representa
- Page 31 and 32: force. We also profile successful s
- Page 33 and 34: • bonuses and other compensation,
- Page 35 and 36: originators (and in some states as
- Page 37 and 38: We organize and manage our business
- Page 39 and 40: premiums that are less per person p
- Page 41 and 42: insurance policies that we underwri
- Page 43 and 44: assistance, has developed a series
- Page 45 and 46: SEC, FINRA and with respect to 529
- Page 47 and 48: they sell insurance policies. Our C
- Page 49 and 50: preceding 12 months, exceed this st
- Page 51 and 52: interest rate risk and business ris
- Page 53 and 54: operational support to its subsidia
- Page 55 and 56: Privacy of Consumer Information. U.
- Page 57 and 58: media. This negative commentary can
- Page 59 and 60: with such laws and regulations, inc
- Page 61 and 62: and disrupt the economy. Although w
- Page 63 and 64: Our financial strength and credit r
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There are certain risks and uncerta
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26). The update revises the definit
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conduct standards prescribed by FIN
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licensing requirements have caused,
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Terrorist Financing Act and its acc
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educing dividends or other amounts
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housed at our Duluth and Roswell, G
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• for dates as of or periods endi
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to and subject to the limitations o
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Field Audit Department from 1993 to
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Securities Authorized for Issuanceu
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ITEM 6.SELECTED FINANCIAL DATA.The
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pursuant to which we issued to a wh
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ecruiting boost we experienced in t
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• Mortality. We use historical ex
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• sales of a higher proportion of
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on quality rating, average life and
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Deferred Policy Acquisition Costs(D
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life insurance processing responsib
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einsurance agreements impacted the
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Notes to the Pro Forma Statement of
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Term Life Insurance Segment ProForm
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Investments and Savings ProductsSeg
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We believe that the pro forma resul
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ecognized in 2008. Excluding the ef
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amortize the higher DAC balance res
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Corporate and Other DistributedProd
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The composition of our invested ass
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LIQUIDITY AND CAPITALRESOURCESDivid
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surplus notes, hybrid securities or
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ITEM 7A. QUANTITATIVE ANDQUALITATIV
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AssetsPRIMERICA, INC. AND SUBSIDIAR
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PRIMERICA, INC. AND SUBSIDIARIESCon
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PRIMERICA, INC. AND SUBSIDIARIESCon
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which we are able to reinvest at ou
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with reinsured policies. Ceded poli
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indemnify and hold the Company harm
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New Accounting PrinciplesScope Exce
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immediately contributed back to us
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The Investment and Savings Products
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(4) InvestmentsOn March 31, 2010, w
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The following tables summarize, for
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The net effect on stockholders’ e
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The amortized cost and fair value o
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The roll-forward of credit-related
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having similar tenors (e.g., sector
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(5) Financial InstrumentsThe carryi
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Due from reinsurers includes ceded
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(8) Intangible Assets and GoodwillT
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(11) Note PayableIn April 2010, we
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Income tax expense (benefit) attrib
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above, plus an additional 7,098 com
- Page 169 and 170:
Non-Employee Share-BasedTransaction
- Page 171 and 172:
We had arrangements with Citi in re
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Contingent LiabilitiesThe Company i
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ITEM 9. CHANGES IN ANDDISAGREEMENTS
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Members of Our Board of DirectorsTh
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finance, and risk and asset managem
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PART IVITEM 15. EXHIBITS AND FINANC
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10.4 Long-Term Services Agreement d
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10.29 Employment Agreement, dated a
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Schedule ISummary of Investments
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Schedule IICondensed Financial Info
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Schedule IICondensed Financial Info
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101% of the outstanding principal a
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GrossamountSchedule IVReinsurancePR
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Annual MeetingThe annual meeting of