For internal use only. Not to be used with, or distributed to, the public 1 Helping Create Financially Independent Families Diversified Financial Services Distribution Company Providing financial education to middle- income households Have been protecting families for nearly 50 years Investor Presentation 2025 Helping clients invest and save for the future Financial product offerings for every stage of life For internal use only. Not to be used with, or distributed to, the public 2 2025 Adjusted Operating R ...

This story was originally published on Banking Dive. To receive daily news and insights, subscribe to our free daily Banking Dive newsletter. Thirteen state attorneys general sued OneMain Financial on Monday, alleging the installment lender misled subprime customers into adding credit insurance products and other high-interest offerings to their loans without the borrowers knowing the cost impact. That violates state and federal laws on illegal, fraudulent, deceptive, unfair and abusive conduct and false ...

Core Viewpoint - Primerica, Inc. is identified as one of the 11 cheap growth stocks to consider for investment opportunities [1] Financial Performance - In February, Primerica reported fourth-quarter EPS of $6.13, exceeding the consensus estimate of $5.68, and revenue of $853.7 million, surpassing the consensus of $839.65 million [3] - CEO Glenn Williams highlighted that the company's 2025 results demonstrate a "complementary balance" in its business model, with the Term Life segment providing stability and the Investment and Savings Products segment driving growth [3] Analyst Ratings - On March 3, 2026, Morgan Stanley analyst Bob Huang lowered the price target for Primerica to $285 from $292 while maintaining an Equal Weight rating [2][7] - The adjustment in price target is part of a broader update on price targets across the Insurance – Life/Annuity sector in North America [2] Business Segments - Primerica offers financial products and services to middle-income households in the U.S. and Canada, including Term Life Insurance, Investment and Savings Products, Senior Health, and Corporate and Other Distributed Products [4]

Fourth Quarter 2025 Earnings Call February 25, 2026 © Ethos Life | Confidential Important Notice and Disclaimers Forward-Looking Statements This presentation and accompanying oral presentation includes express and implied forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995, that are based on Ethos Technologies Inc.'s ("Ethos" or the "Company") management's beliefs and assumptions and on information currently available to management. All statements other tha ...

Core Insights - Research indicates that working with a financial advisor can enhance net returns by approximately 3% over time, potentially leading to significant growth in retirement portfolios [1][4][5] - Many Americans are falling short in their retirement savings, highlighting the importance of seeking professional financial advice to maximize contributions [2][3] Retirement Preparedness - The average retirement account balance for Americans is $333,940, which is significantly below the $1.26 million that many believe is necessary for a comfortable retirement [3][4] - Only 40% of baby boomers aged 61 to 65 are projected to retire successfully, meaning over half may struggle to maintain their standard of living [5] Financial Strategies - Delaying retirement and Social Security can provide financial advantages, allowing investments to grow and delaying withdrawals [10][11] - Micro-investing apps like Acorns can help individuals start saving for retirement by rounding up everyday purchases and investing the spare change [12][13][14] Diversification and Wealth Preservation - Diversifying retirement savings through options like gold IRAs can protect against inflation and economic downturns [15][16][18] - Priority Gold offers services for converting existing IRAs into gold IRAs, including free rollovers and storage [17] Family Financial Security - Life insurance is a crucial component of retirement planning, providing financial security for loved ones after death [19][20][21] - Ethos offers term life insurance options that can be obtained quickly and without medical exams, ensuring families are not burdened with unexpected costs [22][23]

Financial Data and Key Metrics Changes - Primerica reported a record year in 2025 with a 10% increase in adjusted net operating income to $751 million and a 16% increase in diluted adjusted operating income per share to $22.92 [5][14] - The company achieved a 16% increase in fourth quarter adjusted net operating income and a 22% increase in diluted adjusted operating income per share [4] - Record adjusted operating revenues reached $3.3 billion, up 8% year-over-year, and record net operating income was $761 million, up 10% [14] Business Line Data and Key Metrics Changes - Term life insurance sales faced challenges with a 10% decline in new policies issued for the full year compared to record levels in 2024, while estimated annualized issued term life premiums declined 7% [7][10] - Investment and savings product (ISP) sales grew significantly, with fourth quarter sales of $4.1 billion, up 24% year-over-year, and total annual sales of $14.9 billion, also up 24% [9][10] - Client asset values increased by 15% to $129 billion, supported by strong annual net inflows of $1.7 billion [11] Market Data and Key Metrics Changes - The U.S. market saw nearly 3,500 licensed representatives close over $500 million in mortgage loans, a 26% increase from 2024 [12] - Canadian clients experienced over 18% growth in mortgage volume year-over-year [12] Company Strategy and Development Direction - The company aims to grow its sales force by approximately 1% in 2026, focusing on improving recruiting and licensing efforts [5][6] - Primerica is investing in technology and training to enhance sales processes and improve productivity among representatives [40][80] - The company plans to maintain a conservative outlook for policy growth in 2026, projecting a 2%-3% increase in term life sales [9][18] Management's Comments on Operating Environment and Future Outlook - Management noted that cost of living pressures are beginning to ease, which may improve purchasing power for middle-income families [30][45] - The company anticipates a gradual normalization of persistency rates as economic conditions stabilize [17] - Management expressed optimism about the ISP segment's growth potential, driven by favorable demographic trends and increasing demand for retirement solutions [10][15] Other Important Information - Primerica returned approximately 79% of net operating income to shareholders through share repurchases and dividends, indicating a disciplined approach to capital deployment [22][23] - The company maintains a strong financial position with $521 million in cash and invested assets [22] Q&A Session Summary Question: What is driving the term sales outlook of 2%-3% growth for 2026? - Management indicated that improving purchasing power for middle-income families and easing economic uncertainties are expected to drive sales momentum [28][30] Question: Why are term life and ISP showing diverging trends? - Management explained that different segments of the middle-income market react differently to economic conditions, with ISP benefiting from money in motion towards retirement accounts [32][33] Question: What is the potential impact of AI on the business model? - Management views AI as an opportunity to improve efficiencies and reshape workflows, enhancing the sales process without threatening the relationship-based model [39][42] Question: What distractions are being observed in the middle market? - Management noted that tight budgets and economic uncertainties have been distractions, but there are signs of improvement as cost pressures ease [44][45] Question: What is the outlook for term life margin? - Management expects the term life operating margin to be around 21% for the year, with stable benefit and claims ratios [18][67]

Earnings Results Quarter Ended December 31, 2025 For internal use only. Not to be used with, or distributed to, the public 1 Forward–Looking Statements This presentation may contain forward-looking statements. Information on factors that could cause results to differ materially from those projected in this presentation is available in our Form 10-K for the year ended December 31, 2024, as may have been modified by subsequent Forms 10-Q. These documents are available in the Investor Relations section of our ...

I’m currently 40, and my existing 20-year term policy for $250,000 will expire at age 53. I also have about $100,000 in coverage through my employer, which I would lose if I switched jobs. My partner is disabled, unable to work, and we have no children or other dependents. My insurance agent gave me a quote for an additional 30-year, $250,000 term life policy but it costs 2.5 times my current premium. How do I determine how much life insurance I need? -Randy You seem to be putting this in the right conte ...

Automobile Insurance - Suze Orman highlights the risk of dropping comprehensive coverage for older cars to save on premiums, warning that those reliant on their cars for daily commutes may face significant financial loss in case of disasters without insurance payouts [1] Homeowner's Insurance - Orman advises against homeowner's insurance policies that pay out based on cash value, recommending instead policies that cover replacement value to ensure adequate compensation [2] Life Insurance - Orman strongly favors Term Life insurance over Whole Life due to its higher payouts for lower premiums, suggesting that the premium savings should be invested or added to emergency savings [3][4] Credit Cards - Orman encourages the use of credit cards but emphasizes the importance of managing high-interest rates, suggesting strategies like negotiating lower rates and balance transfers to alleviate debt [8] Emergency Savings - A fundamental principle in Orman's advice is maintaining an Emergency Savings account equivalent to one's annual salary, with a focus on building this fund in manageable increments [15][19] Estate Planning - Orman discusses the importance of planning for funeral expenses and health care proxies, emphasizing the need for clear documentation to avoid ambiguity in wishes [11][12]

Core Insights - Primerica, Inc. will host its largest senior leadership gathering in history on January 7-8, 2025, with over 1,000 top field leaders participating [1] Financial Performance - In 2025, Primerica issued nearly $112 billion in term life insurance, increasing total coverage in force to a record $968 billion [2] - The company paid over $1.8 billion in death claims, providing essential support to families [2] - Clients invested nearly $15 billion towards their future, pushing assets under management to a record $128 billion [2] - Families accessed more than $665 million in mortgages to manage debt or purchase homes [2] Distribution Expansion - Over 360,000 new representatives were recruited in 2025, resulting in over 48,500 new life-licensed representatives [2] - The company ended the year with over 2,400 newly securities-licensed representatives, bringing the total to over 25,600 [2] Company Overview - Primerica, Inc. is headquartered in Duluth, GA, and serves middle-income households in North America [4] - The company insured over 5.5 million lives and had approximately 3.0 million client investment accounts as of December 31, 2024 [4] - Primerica was the 3 issuer of term life insurance coverage in the U.S. and Canada in 2024 [4] - The company's stock is included in the S&P MidCap 400 and the Russell 1000 indices, traded under the symbol "PRI" [4]