Nikole Galanes

Toronto, ON
Former Student

Nikole Galanes grew up knowing her parents' dream for her career lay in the medical or legal field. But at age 19, Nikole knew she had something much bigger to offer the world.

"I wanted an extraordinary life, full of adventure. I also wanted financial security. Primerica has helped me achieve both. Here, you're recognized for your success, you advance based on your achievements, your own efforts – not your gender, and you get to do it all while having a direct positive impact on the lives of others."

Primerica offers a business opportunity that involves the sale of term life insurance 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, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale.

From January 1 through December 31, 2024, Primerica paid our life-licensed sales force members an average of $7,757, reflected in local currency, unadjusted for exchange rates. Representatives typically pay an initial fee of $99 USD ($103.95 CAD in Canada, inclusive of taxes) to provide for training and licensing and also may incur ongoing personal expenses to conduct business. Our representatives earn varying levels of income and the cash flow shown reflects an extraordinary level of success that is not typical of the sales force.