Primerica Financial Services is a global financial enterprise with more than 100,000 licensed independent representatives. The company was established in 1977 to help families eliminate debt and save money for the future. It encourages clients to purchase affordable term life insurance and additionally invest in mutual funds, variable annuities, retirement savings vehicles and programs to fund education expenses. Primerica Financial Services offers debt consolidation loans, mortgages, long-term care insurance and prepaid legal services. The company serves in excess of 6 million clients in the United States, Canada, Puerto Rico and Spain. It is a subsidiary of Citigroup, one of the leading global financial services organizations that also operates such businesses as Citibank and CitiFinancial. Primerica Financial Services is headquartered in Duluth, Ga., and maintains one of its additional locations in Portland, Ore.