A bill to amend title 44, United States Code, to modernize the Federal Register, and for other purposes.

Federal Register Modernization Act

This bill revises provisions regarding the Federal Register or the Code of Federal Regulations, including to replace requirements that the documents be printed with requirements that the documents be published.

The bill provides that in a continuity of operations event in which the Government Publishing Office (GPO) does not fulfill its publication requirements, the Office of the Federal Register may establish a website to publish the Federal Register until such time that GPO resumes publication.

Primerica, Inc.

"us" or the "Parent Company") is a leading provider of financial products to middle-income households in the United States and Canada with 130,736 licensed sales representatives as of December 31, 2018. This network of independent contractor sales representatives ("sales representatives" or "sales force") assists our clients in meeting their needs for term life insurance, which we underwrite, and mutual funds, annuities, managed investments and other financial products, which we distribute primarily on behalf of third parties. Licensed sales representatives primarily use our proprietary financial needs analysis tool ("FNA") and an educational approach to demonstrate how our product offerings can assist clients to provide financial protection for their families, save for their retirement and other needs, and manage their debt. Typically, our clients are the friends, family members and personal acquaintances of sales representatives. We provide an entrepreneurial business opportunity for individuals to distribute financial products. Low entry fees as well as the ability to select their own schedules and time commitments allow sales representatives to supplement their income by starting their own independent businesses without leaving their current jobs. Our unique compensation structure, technology, sales support and back-office processing are designed to enable sales representatives to successfully grow their independent businesses.  We believe there is significant opportunity to meet the increasing array of financial services needs of our clients. We intend to leverage the sales force to meet such client needs, which will drive long-term value for all of our stakeholders. • Broadening and strengthening our protection product portfolio; •  Providing offerings that enhance our Investment and Savings Products ("ISP") business; and •  Developing digital capabilities to deepen our client relationships.  Primerica Life Insurance Company ("Primerica Life"), our principal life insurance underwriting company; and •  ("PFS Investments"), our investment and savings products company, broker-dealer and registered investment advisor.  Primerica Life is domiciled in Tennessee, and its wholly owned subsidiary, National Benefit Life Insurance Company ("NBLIC"), is a New York-domiciled life insurance underwriting company.  Primerica Life Insurance Company of Canada ("Primerica Life Canada"), our Canadian life insurance underwriting company; •  ("PFSL Investments Canada"), our Canadian licensed mutual fund dealer; and •  ("PFSL Fund Management"), our Canadian investment funds manager.  Our clients are generally middle-income consumers, which we define as households with $30,000 to $100,000 of annual income. According to the 2017 U.S. Census Bureau Current Population Survey, the latest period for which data is available, almost 50% of U.S. households fall in this range. Many have inadequate or no life insurance coverage. Individual life insurance sales in the United States declined from 12.5 million policy sales in 1975 to 9.8 million policy sales in 2017, the latest period for which data is available, according to the Life Insurance Marketing and Research Association International, Inc. ("LIMRA"), a worldwide association of insurance and financial services companies. We believe that term life insurance, which we have provided to middle-income clients for many years, is generally the best option for them to meet their life insurance needs.  Many need help saving for retirement and other personal goals.