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Welcome to evanwile.com, operated by Evan Wile, located at
91 Masters Ave SE, Calgary AB, T3M 2B1.
By using the website located at https://evanwile.com, or related mobile website (collectively, the "Websites"), you agree to be bound by these Terms of Service (this "Terms of Service" or "Agreement").
This Agreement is subject to change by Evan Wile at any time, effective upon posting on the relevant website. Your continued use of the Websites and the Service following Evan Wile posting of revised terms of any section of the Agreement will constitute your express and binding acceptance of and consent to the revised Agreement.
PLEASE READ THIS AGREEMENT CAREFULLY.
Electronic Agreement. This Agreement is an electronic contract that sets out the legally binding terms of your use of the Websites and the Service. This Agreement may be modified by Evan Wile from time to time, such modifications to be effective upon posting by Evan Wile on the Websites. By accessing and/or using the Websites you accept this Agreement and agree to the terms, conditions and notices contained or referenced herein.
Access and Retention. In order to access and retain this electronic Agreement, you must have access to the Internet, either directly or through devices that access web-based content and pay any service fees associated with such access. In addition, you must use all equipment necessary to make such a connection to the World Wide Web, including a computer and modem or other access devices. Please print a copy of this document for your records. To retain an electronic copy of this Agreement, you may save it into any word processing program.
Commercial Use of Service. If you are using the Service and/or accessing the Websites on behalf of a company, entity, or organization (collectively, a "Subscribing Entity"), you represent and warrant that:
You are an authorized representative of the Subscribing Entity, and that you have the authority to bind the Subscribing Entity to this Terms of Service;
You have read and understand this Terms of Service; and
You agree to this Terms of Service on behalf of the Subscribing Entity.
Content. Proprietary Rights. Evan Wile retains all proprietary rights in the Websites and the Service. The Websites contains the copyrighted material, trademarks, and other proprietary information of evanwile.com, and its licensors. Except where we have given you express written permission, you may not copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information. All content on evanwile.com is proprietary. Except where otherwise specified in this Agreement, all Content is copyrighted material of Evan Wile. Distribution of Content to others is strictly prohibited.
We may provide links to third party websites, and some of the content appearing on evanwile.com may be supplied by third parties. Evan Wile has no responsibility for these third party websites nor for their content, which is subject to and governed by the Terms of Service and/or privacy policies, if any, of the applicable third party content providers.
Restrictions on Use of Materials. You acknowledge that evanwile.com contains images, text, and other content (collectively, "Intellectual Property") that is protected by copyrights, patents, trademarks, trade secrets and/or other proprietary rights, and that these rights are valid and protected in all forms, media and technologies existing now or hereafter developed. All Intellectual Property is copyrighted under the United States or Canada copyright laws, and Evan Wile owns a copyright in the selection, coordination, arrangement and enhancement of such Intellectual Property. All trademarks appearing on this Websites are trademarks of their respective owners. You may not modify, publish, transmit, distribute, perform, participate in the transfer or sale, create derivative works of, or in any way exploit, any of the Intellectual Property, in whole or in part. When Intellectual Property is downloaded to your computer, you do not obtain any ownership interest in such Intellectual Property. Modification of the Intellectual Property or use of the Intellectual Property for any other purpose, including, but not limited to, use of any Intellectual Property in printed form or on any other website or networked computer environment is strictly prohibited unless you receive our prior written consent.
Copyright Policy. Evan Wile prohibits the submission or posting of any information that infringes or violates the copyright rights and/or other intellectual property rights (including rights of privacy and publicity) of any person or entity.
Entire Agreement. This Agreement contains the entire agreement between you and evanwile.com regarding the use of the Websites and/or the Service.
Headings. The section headings contained in this Agreement are for reference purposes only and shall not in any way affect the meaning or interpretation of this Agreement.
Please contact us with any questions regarding this agreement.
I HAVE READ THIS AGREEMENT AND AGREE TO ALL OF THE PROVISIONS CONTAINED ABOVE.
PRIMERICA GENERAL & RECRUITING DISCLOSURES – U.S. AND CANADA
Primerica, Inc. is a public company listed on the New York Stock Exchange (PRI). Primerica, Inc. is a leading distributor of financial service products to middle income households in North America, assisting clients in meeting their needs for term life insurance, mutual funds, annuities, segregated funds (in Canada) and other financial service products. Most of these products are distributed on behalf of third-party companies.
Primerica, Inc. conducts its core business activities through companies in the United States and Canada that are subsidiaries of Primerica, Inc. (the subsidiaries together with Primerica, Inc., collectively referred to as “Primerica”). Primerica markets its financial service products in the United States and Canada through its independent contractor representatives. Each subsidiary of Primerica, Inc., and not Primerica, Inc., is responsible for its own obligations to its customers.
The Business Opportunity
Primerica offers a business opportunity that involves the sale of term life insurance, securities, and various other financial service products. Primerica representatives are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and also qualifying product referrals. Importantly, for many product lines, Primerica representatives must obtain required licenses before the representatives may sell those products.
From January 1 through December 31, 2019, Primerica paid cash flow to its North American sales force at an average of $6,249, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.
Independent Business Application Fees & Inquiries
New representatives affiliating with Primerica must complete the Independent Business Application (IBA) and pay a one-time fee of $99 in the U.S. or $103.95 (includes applicable taxes) in Canada.
New representatives of the Primerica sales force who have questions concerning the IBA fees should refer to their IBA. For additional IBA fee questions, send email to:
U.S. inquiries email:email@example.com
Canada inquiries email:firstname.lastname@example.org
Primerica Online Fees & Inquiries
Primerica Online (POL) is an intranet website that provides representatives with access to tools and resources to help them grow their businesses. A Full-Service subscription to POL is required to access its full range of information and functionality. Initially, Full Service POL costs $25 per month for representatives in the U.S. and $28 per month for representatives in Canada. POL can be accessed without charge to access more limited information, e.g., compensation and compliance information.
For questions regarding POL fees, send email to:
U.S. inquiries email:email@example.com
Canada inquiries email:firstname.lastname@example.org
For those individuals with questions pertaining only to recruiting by Primerica representatives, send email to:
U.S. inquiries email:email@example.com
Canada inquiries email:firstname.lastname@example.org
“Ownership” refers to the conditional right of an eligible Regional Vice President (RVP) to transfer his or her business to another eligible RVP, subject to the consent of Primerica and subject to terms, conditions and regulatory requirements. The Ownership Program Document and policies located on POL control in all respects.
The Partnership Empowerment Program (PEP) is a recognition program for supportive partnering among Primerica representatives. It does not signify a business or legal partnership. PEP cannot affect, combine or alter contractual compensation, hierarchical agreements or Ownership issues.
The Primerica Newsroom includes unedited articles about Primerica written by third-party news organizations. These organizations are not affiliated with Primerica. The articles are included for information purposes only.
PRIMERICA PRODUCT & SERVICE DISCLOSURES – CANADA ONLY
Term Life Insurance and Segregated Fund Products: Term life insurance products and Common Sense Funds™ segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. Commissions, trailing commissions, management fees and expenses all may be associated with segregated fund investments. Please read the Information Folder before investing. Segregated funds are not guaranteed, and investments are made at the risk of the investor (subject to any applicable death or maturity guarantee, as outlined in the Information Folder). Their values fluctuate and past performance may not be repeated.
Mutual Fund Products: To sell mutual funds, Primerica Representatives must be sponsored by PFSL Investments Canada Ltd., mutual fund dealer, Head Office: Mississauga, Ontario. Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Mutual funds are sold by prospectus only. Please read the current prospectus before investing. Mutual funds are not guaranteed, their values fluctuate and past performance may not be repeated.
OTHER PRODUCTS & SERVICES
Primerica Representatives refer clients to B2B Bank for debt consolidation loans under the B2B Bank SMART Loan Referral program. Clients should contact B2B Bank for questions regarding debt consolidation. Primerica does not deal in mortgages. Representatives are prohibited from holding themselves out as mortgage brokers, or soliciting and giving advice on mortgages for the purposes of the B2B Bank SMART Loan Referral program.
Identity Theft Insurance is underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183, USA. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and provincial regulations.
Pre-Paid Legal Services
The Pre-Paid Legal Services program is provided by PPL Legal Care of Canada Corporation, a subsidiary of Pre-Paid Legal Service, Inc. PPL Legal Care of Canada Corporation and Pre-Paid Legal Service, Inc. are not affiliated with Primerica. Clients should contact PPL Legal Care of Canada Corporation for questions regarding any legal services. The PPLS program is only available in British Columbia, Alberta, Manitoba and Ontario.
Insurance and investments offered through Primerica are not deposits. There is no bank guarantee. They are not insured by the Canada Deposit Insurance Corporation. The products and services offered by the companies noted above may not be available in your province or territory. The products and services your Primerica Representative may be able to offer also may be limited. Please consult your local Primerica office or your Primerica Representative for a listing of products and services available.
Home automation and security services offered by Vivint, Inc. in the United States and Canada. Under a referral program, representatives may refer individuals to Vivint. Vivint products are only available in certain Canadian provinces.
Financial Needs Analysis
The Financial Needs Analysis (“FNA”) is designed to assist you in identifying your financial needs and goals so that you can make better informed decisions in managing your money. An FNA is developed based on information you provide, as summarized on data input pages, and on certain generally accepted assumptions and reasonable estimates. It is provided to you as a complimentary, no-obligation service by Primerica. The FNA is not a financial plan. The FNA should be construed as a guide for you to use in deciding how best to attain your financial goals. Representatives are compensated through commissions or referral fees on the sale of financial products offered by the financial product companies they represent. Representatives are not financial planners, investment advisors, financial consultants or other specialists who provide financial advice and whose compensation may be unrelated to sales.
Continuity of Business
Primerica Life Insurance Company of Canada (“PLICC”) and PFSL Investments Canada Ltd., mutual fund dealer (“PFSL”) have developed a Continuity of Business Plan that addresses the possibility of a future emergency or significant business disruption. If such an event were to affect PLICC or PFSL’s headquarters, customers could continue to access their funds by contacting the following companies, depending upon the type of investments the customer owns.
Customers with Primerica Concert Series mutual funds can continue to access their funds via telephone at (800) 510-7375, via email at concert@AGF.com, via the internet at www.agf.com, or through their local Primerica representative.
Customers with Primerica Common Sense Funds segregated funds can continue to access their funds via telephone at (800) 463-9997, via the internet at www.agf.com, or through their local Primerica representative.
Customer with third party mutual funds can continue to access their funds by contacting the respective mutual fund company via the contact information provided on their trade confirmations, annual account statements, or through their local Primerica representative.
PRIMERICA GENERAL & RECRUITING DISCLOSURES – CANADA ONLY
Part-Time Business Opportunity
In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation and province.