Primerica, Inc.

The following replaces the heading in our 2024 Annual Report that states “Risks Related to Legislative and Regulatory Changes” and that first risk factor contained under that heading. All other risk factors contained in our 2024 Annual Report are incorporated herein by reference.

Risks Related to Legislative and Regulatory Changes and Government Policy Uncertainty

We are subject to various federal, state and provincial laws and regulations in the United States and Canada, as well as executive branch actions, orders and policies, judicial rulings and decisions by public officials, any of which may require us to alter our business practices and could materially adversely affect our business, financial condition and results of operations.

Our business is subject to many laws, regulations and government policies that could relate to, among other things, consumer protection, fair credit reporting, financial privacy, consumer fraud, anti-money laundering, worker classification standards, worker eligibility, corporate taxation, artificial intelligence or algorithmic underwriting, and transactions with certain countries. These laws and regulations often are subject to the political climate.

Changes in any of these laws, regulations or government policies may require additional compliance procedures or other business adjustments, which could have a material adverse effect on our business, financial condition, and results of operations.