Full-Time

Senior Legal Counsel

Posted on 8/23/2025

Primerica

Primerica

10,001+ employees

MLM-based distributor of insurance and investments

Compensation Overview

$110k - $115k/yr

Duluth, GA, USA

Hybrid

Hybrid role; on-site in Duluth, GA, with remote work several days per week.

Category
Legal & Compliance (1)
Requirements
  • Juris Doctorate Degree in Law (Must be a graduate of a recognized Law School and a member in good standing with a relevant law society / bar.) and current member in good standing of any state bar
  • 2-5 years of proven experience as a Legal Counsel in business environment
  • Excellent knowledge and understanding of corporate law and procedures
  • Demonstrated ability to create legal defensive or proactive strategies
  • High degree of professional ethics and integrity
  • Sound judgement and ability to analyze situations and information
  • Outstanding communication skills. Self-starter.
  • Understanding and familiarity with laws and regulations applicable to the construct and delivery of financial services products and services.Principles of fair treatment of customers and privacy
  • FINRA Series SIE, 6, 26 and 63 licenses are required OR must obtain within 120 days of hire
Responsibilities
  • The Senior Legal Counsel will have independent responsibilities to review advertising materials for compliance with applicable laws and brand requirements; provide legal advice on content; and advise on disclosure requirements and guidelines, with potential focus on digital and internet communications, including websites, email and social media posts
  • The Senior Legal Counsel will facilitate compliance with broker-dealer and investment advisor marketing materials, and also related field requests for advertising, speaking engagements, and Cash/Non-Cash compensation, to ensure compliance with related regulations including Financial Industry Regulatory Authority (FINRA), Securities and Exchange Commission (SEC), and State Securities and Insurance laws
  • Being current and up to date on all relevant areas of law is crucial to the provision of accurate advice to the business units.Learning and sharing this information with the business units allows the company to be current and plan for future direction and success.The ability to follow, review and comprehend legislation and regulation is a fundamental requirement of the position. The Senior Legal Counsel will have to be a self starter and creative in using available tools and resources to stay current and well informed so as to add high value to the company and management to plan for the future and avoid business disruption.The sharing of this knowledge will also be done with other members of the Legal Department to ensure high knowledge and consistency across the team.
  • Ensuring the company and all business units know and understand their requirements not only with laws and regulations but also with internal policies and procedures.Guiding and explaining these requirements to the business units is a high value function of the Legal Department.
  • Understanding the nuances of the company's business and operations is a continuing responsibility given the dynamic nature of our business and the regulatory environment.Ongoing research and evaluation of legal risks is crucial to ensure the proper advice and guidance is provided to the business.Guidance and advice must be communicated in plain easy to understand language.

Primerica provides financial services through a network of independent representatives who sell term life insurance, mutual funds, annuities, and other financial products to mainly middle-income households in North America. The product system works by representatives earning commissions on their own sales and a percentage of the sales made by people they recruit into their downline, creating a multi-level marketing structure that spreads the company’s sales force with relatively low overhead. The company differentiates itself by leveraging a large, commission-based, recruitment-driven network to reach a broad customer base, rather than relying on traditional salaried agents or large physical branches. Primerica's goal is to offer affordable financial solutions and protection to middle-income families while growing its distribution network to scale its sales force and revenue.

Company Size

10,001+

Company Stage

IPO

Headquarters

Duluth, Minnesota

Founded

1977

Simplify Jobs

Simplify's Take

What believers are saying

  • Baby Boomers and Gen X retirement demand drives ISP segment double-digit growth trajectory.
  • 2026 guidance projects 5-7% investment product sales growth amid easing cost pressures.
  • TD Cowen raised price target to $326, citing positive life insurance sector outlook.

What critics are saying

  • Term life insurance sales declined 10% in 2025, core revenue stream under pressure.
  • Osaic lawsuit alleges systematic advisor poaching with $50M damages sought in November 2025.
  • FTC regulatory crackdown on MLM structures forces restructuring and exposes company to fines.

What makes Primerica unique

  • 140,000+ licensed representatives provide scalable distribution network for term life and investments.
  • Investment and Savings Products segment achieved record $14.9B sales, up 24% in 2025.
  • 33.1% return on adjusted equity with 79% net income returned to shareholders.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Health Savings Account/Flexible Spending Account

Unlimited Paid Time Off

Paid Vacation

Paid Sick Leave

401(k) Retirement Plan

401(k) Company Match

Professional Development Budget

Tuition Reimbursement

Company News

Yahoo Finance
Mar 5th, 2026
Morgan Stanley cuts Primerica price target to $285, maintains equal weight amid industry valuation concerns

Morgan Stanley analyst Bob Huang has lowered the price target on Primerica to $285 from $292, whilst maintaining an Equal Weight rating. The adjustment reflects updated price targets across Morgan Stanley's Insurance – Life/Annuity North America coverage, with concerns about potential valuation pressure facing the broader industry. In February, Primerica reported fourth-quarter earnings per share of $6.13, beating consensus estimates of $5.68, with revenue of $853.7 million versus expectations of $839.65 million. Chief Executive Officer Glenn Williams highlighted the complementary balance of the company's business model, with its Term Life segment providing stability whilst Investment and Savings Products increasingly drive growth. Primerica provides financial products and services to middle-income households in the United States and Canada.

Yahoo Finance
Feb 12th, 2026
Primerica posts record $751M net income despite 10% drop in life insurance policy sales

Primerica has reported record full-year 2025 results with adjusted operating revenues of $3.3 billion, up 8%, and net operating income of $751 million, up 10%. The financial services company's return on adjusted equity increased 200 basis points to 33.1%. Term life insurance sales faced headwinds from cost-of-living pressures, with new policies issued declining 10% year-over-year. However, investment and savings product sales reached record levels of $14.9 billion, up 24% annually. Client asset values grew 15% to $129 billion. The company returned approximately 79% of net operating income to shareholders through share repurchases and dividends. For 2026, Primerica expects conservative term life policy growth of 2% to 3% and investment product sales growth of 5% to 7%, citing easing cost pressures and favourable demographic trends.

Yahoo Finance
Feb 4th, 2026
TD Cowen raises Primerica price target to $326 on life insurance sector outlook

TD Cowen has raised its price target for Primerica to $326 from $322 while maintaining a Buy rating, as part of its fourth-quarter life insurance sector preview. Primerica reported mixed results in the third quarter, with adjusted net operating income rising 7% to $206 million and diluted adjusted operating EPS increasing 11% to $6.33. The Investment and Savings Product segment drove growth, achieving record sales of $3.7 billion, up 28% year-over-year, whilst client asset values reached $127 billion. However, the Term Life segment struggled, with new policies issued declining 15% due to cost-of-living pressures and economic uncertainty affecting client decisions. The company provides financial products and services to middle-income households in the US and Canada.

Yahoo Finance
Jan 25th, 2026
Primerica shares down 4.2% in a week as analysts peg fair value 17% above current $255 price

Primerica (PRI) has declined 1.7% over the past day and 4.2% over the past week, drawing renewed investor attention. The company reported annual revenue of $3.34 billion and net income of $719.46 million. The stock has posted a one-year total shareholder return of negative 10.85%, whilst five-year returns stand at 96.24%, suggesting recent momentum has cooled despite longer-term gains. Analysts peg fair value at $297.83 per share, compared with the recent close of $254.74. Strong demographic drivers, particularly Baby Boomers and Gen X approaching retirement, are fuelling demand for retirement planning products and annuities, supporting double-digit sales growth in Primerica's ISP segment. However, elevated lapse rates from cost-of-living pressures and representative productivity challenges could threaten the upside narrative.

MarketBeat
Mar 17th, 2025
Amundi Invests $7.87 Million in Primerica, Inc. (NYSE:PRI)

Amundi invests $7.87 million in Primerica, Inc. (NYSE:PRI).

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