A subsidiary of Citigroup, Primerica is in the business of changing lives. Its mission is to help families become debt-free and financially independent. The company teaches people how money works so they can make informed decisions about how to manage their finances. Primerica uses a variety of resources, including its Financial Needs Analysis, a variety of educational brochures and its Web site. Each source explains the fundamental rules of money in simple terms. Its representatives meet with families in their own homes to educate them on how money works, completely free of charge. Among its many nationwide locations is its office in Clinton, Md.