Company: PRI
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0000950170-25-029882
Chunk: 487

Company: Primerica, Inc.
Filing Date: 2025-02-28
Form: 10-K
Item: Item 1A
Chunk 487
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, and the effects of interest rate fluctuations on, our invested asset portfolio and other assets that are subject to changes in credit quality and interest rates could materially adversely affect our business.

•Valuation of our investments and the determination of expected credit losses when the fair value of our available-for-sale invested assets is below amortized cost are both based on estimates that may prove to be incorrect, which could adversely affect our financial condition and results of operations.

•Changes in accounting standards can be difficult to predict and could adversely impact how we record and report our financial condition and results of operations. 

•The inability of our subsidiaries to pay dividends or make distributions or other payments to us in sufficient amounts would impede our ability to meet our obligations and return capital to our stockholders.

Risks Related to Legislative and Regulatory Changes

•We are subject to various federal, state and provincial laws and regulations in the U.S. and Canada, changes in which may require us to alter our business practices and could materially adversely affect our business.  

•The current legislative and regulatory climate with regard to financial services could adversely affect our business.

•The current regulatory climate with regard to climate change may adversely affect our business.

General Risk Factors

•Litigation and regulatory investigations and actions may result in financial losses and harm our reputation.

•A significant change in the competitive environment in which we operate could negatively affect our ability to maintain or increase our market share and profitability.

•Our continued success requires a high-performing and stable team of employees across all levels, and the loss of key employees could negatively affect our financial condition and impair our ability to implement our business strategy.

•We regularly undertake business initiatives to enhance our technology, products, and services. The efficiency and success of these initiatives may vary significantly and may cause unanticipated costs, errors, or disruptions which could have a material adverse effect on our business.

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•We may not be able to effectively execute our corporate strategy, which could have a material adverse effect on our business.

•We may be materially adversely affected by currency fluctuations in the United States dollar versus the Canadian dollar. 

•The market price of our common stock may fluctuate.

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PART I