Climate Change Data

Environmental Metrics

ESG Focus Areas

• Financial independence for middle-income families
• Employee well-being
• Community development
• Environmental sustainability
• Governance and compliance

Environmental Achievements

• Implemented an enhanced single-stream recycling program, reducing carbon emissions from waste collection.
• Reduced paper consumption through digital applications (TermNow) and electronic applications.
• Relocated headquarters to a LEED-certified building with energy-efficient features.
• Installed an Electric Vehicle Charging Unit to promote low-emission vehicles.

Social Achievements

• Named a “Top Workplace” by the Atlanta Journal-Constitution for four consecutive years (2014-2017).
• Launched a recruiting initiative to attract and retain former members of the U.S. armed forces.
• Provided comprehensive employee benefits package, including an award-winning 401(k) plan.
• Supported various community programs through The Primerica Foundation, employee volunteerism, and corporate contributions.
• Received numerous awards and recognition from non-profit organizations for employee volunteerism.

Governance Achievements

• Recognized by Forbes magazine as one of “America’s 50 Most Trustworthy Financial Companies” in 2015.
• Implemented a robust Code of Conduct for employees, directors, and officers.
• Established a sophisticated information technology platform with strong information security and privacy controls.
• Adopted a new Incident Response Plan in 2016.

Climate Goals & Targets

Environmental Challenges

• Reducing environmental impact as a financial services company with limited traditional manufacturing facilities.
• Attracting and retaining diverse talent.

Mitigation Strategies

• Implemented various initiatives to reduce paper consumption, improve recycling, and promote sustainable commuting.
• Launched a recruiting initiative for veterans.
• Developed diversity and inclusion programs, including strategic market groups.

Supply Chain Management

Responsible Procurement

• Welcomes diverse suppliers from underserved communities, minority groups, and military veterans

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• TermNow (electronic life insurance application)

Awards & Recognition

• Gwinnett County Clean and Beautiful Award (3-time winner)
• Georgia Commute Options “Best Overall Large Employer” (2016)
• American Cancer Society awards

Environmental Metrics

ESG Focus Areas

• Financial literacy
• Employee well-being
• Environmental sustainability
• Community engagement
• Governance

Environmental Achievements

• Reduced paper usage by around 5 million pieces through TermNow and eliminated paper medical records saving over 30 million pieces of paper.
• Implemented a single-stream recycling program, reducing an additional 18 tons of paper in 2018.
• Moved to LEED-certified headquarters in 2013 and LEED EB Gold Certified Canadian headquarters in 2018.
• Installed an Electric Vehicle Charging Unit to promote low-emission vehicles.

Social Achievements

• 91% employee retention rate in 2017.
• Named a “Top Workplace” by the Atlanta Journal-Constitution in 2014, 2015, 2016, 2017, and 2018.
• Provided various employee benefits including college tuition reimbursement, health and wellness classes, and flex-time options.
• Launched a recruiting initiative to attract and retain former members of the U.S. armed forces.
• The Primerica Foundation made more than $5 million in grants since its founding in 2011.
• Annual Employee Choice Vote providing grants to non-profit organizations.

Governance Achievements

• Adopted a new Equal Employment Opportunity and Anti-Harassment Policy in 2018.
• Stockholder engagement program to discuss important topics including Board diversity and ESG matters.
• Recognized by Forbes magazine as one of “America’s 50 Most Trustworthy Financial Companies” in 2015.
• Robust corporate governance policies and procedures in place reflecting commitment to high standards of business conduct.

Climate Goals & Targets

Environmental Challenges

• Reducing environmental footprint as a financial services company with no manufacturing facilities.
• Maintaining data security and privacy in an increasingly digital world.

Mitigation Strategies

• Strategic decisions to drive improvements in environmental sustainability, including recycling initiatives and energy-efficient buildings.
• Sophisticated information technology platform, annual compliance training, internal and external security assessments, and incident response plan.

Supply Chain Management

Responsible Procurement

• Welcomes diverse suppliers from underserved communities, minority groups, and military veterans.

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• TermNow (electronic life insurance application)

Awards & Recognition

• Three-time Award Winner from Gwinnett County (GA) Clean and Beautiful
• Named a “Top Workplace” by the Atlanta Journal-Constitution (2014-2018)
• Forbes magazine’s “America’s 50 Most Trustworthy Financial Companies” (2015)
• Georgia Commute Options’ “Best Overall Large Employer” (2016)
• National Team of Excellence from American Cancer Society (2017 & 2018)

Environmental Metrics

ESG Focus Areas

• Social Impact
• Corporate Culture
• Human Capital
• Corporate Governance
• Sustainability
• Diversity, Equality, Inclusion, and Belonging (DEIB)
• Employee Engagement
• Environmental Responsibility

Environmental Achievements

• Electronic document delivery to clients
• Energy efficiency at corporate headquarters
• Robust recycling initiatives
• Promotion of transportation alternatives and flexible working options

Social Achievements

• Serving middle-income households in the US and Canada for over 45 years
• Diverse independent sales force reflecting the communities they serve
• Named by The Atlanta Journal-Constitution as a regional Top Workplace for the eleventh consecutive year (2024)
• Nationally recognized on the Top Workplaces USA list (2024)
• Named one of America’s Best Midsize Employers by Forbes (2024)
• Named one of America’s Greatest Workplaces by Newsweek (June 2023)
• Named to Forbes’ list of America’s Best Employers for Women (2019-2023)
• Named to the Bloomberg Gender Equality Index (2020-2023)
• Named one of America’s Greatest Workplaces for Diversity by Newsweek (2024)
• Named one of America’s Greatest Workplaces for Women by Newsweek (2024)
• Launched Intrinsic Inclusion learning experience for inclusive workplace
• Established diversity goal for leaders at Assistant Vice President level and above
• Enhanced leadership training programs with focus on personal growth
• Created and supported Employee Resource Groups (ERGs)
• Introduced Management Fundamentals curriculum
• Added a floating holiday for employees
• Increased focus on cultural education

Governance Achievements

• Strong governance practices
• Commitment to corporate ethics
• Performance-aligned compensation programs
• Board oversight of overall culture
• Ethical tone at the top
• Annual Board and Committee self-assessments
• Significant gender, racial, and ethnic diversity on the Board
• Compliance with Investor Stewardship Group (ISG) principles
• Proxy access
• Annual election of directors
• Majority voting for directors in uncontested elections
• Annual stockholder engagement
• Stock ownership guidelines for directors and senior executives
• Pay-for-performance philosophy
• Stand-alone Compensation Recovery Policy and broad clawback provisions
• Policies prohibiting hedging, pledging, and short sales
• Strong ethics program
• Publication of an annual Corporate Sustainability Report
• Board Diversity Policy
• Board oversight of the Enterprise Risk Management Process

Climate Goals & Targets

Environmental Challenges

• Market challenges in 2023 due to economic downturn and high inflation
• Mixed distribution results in fiscal 2023 (decreased ISP sales)
• Potential impact of climate change on products sold

Mitigation Strategies

• Leveraging the independent sales force to meet client needs
• Analyzing the potential impact of climate change on products and incorporating relevant environmental information into governance and risk management practices
• Developing alternative sourcing strategies (implied)

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: SASB, TCFD

Awards & Recognition

• America’s Best Employers for Women (Forbes, 2019-2023)
• Bloomberg Gender Equality Index (2020-2023)
• Top Workplaces USA (2021-2024)
• Newsweek America’s Greatest Workplaces for Diversity (2024)
• Newsweek America’s Greatest Workplaces for Women (2024)
• Newsweek America’s Greatest Workplaces (2023)
• Forbes Best Midsize Employers (2024)