Investor Presentaiton

Investment & Savings Products (ISP) Pre-tax Earnings Dynamics ISP Revenue Mix $941.8 million in 2021 Asset-Based Revenues ☐ Diversified Earnings Mix Sales-based fees and commissions - received at point of sale, net of commissions paid to the field Asset-based - fees and commissions on client asset values, net of commissions paid to the field and administration and advisory fees paid to third-party providers Account-based – record-keeping and custodial fees, net of recordkeeping fees paid to third-party providers ☐ Low Capital Requirements with Largely 32 32 Unrestricted Cash Flows 47% 43% 10% Sales-Based Revenues Account-Based & Other, Net Revenues ISP Sales & Asset Values ($ in billions) $97.3 $81.5 $70.5 $61.2 $57.7 $11.7 $7.8 $7.5 $7.0 $6.2 2017 2018 2019 2020 2021 Fiscal Year Sales Ending Client Asset Values PRIMERICA

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