Primerica Minimum Investment (2026): What It Takes to Open an Account

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Updated September 18, 2026. Quick answer: $25,000 for PFS Investments Inc. (Primerica Advisors) Lifetime Investment Program. Primerica’s own Form ADV Part 2A brochure states this figure directly, though the firm can waive or reduce it at its own discretion. At that minimum, Primerica’s own published fee schedule works out to $435 a year.

The minimum, in the firm’s own words

“Participation in the Program requires a minimum investment of $25,000.00. Certain Models have higher minimums.”

On waivability: “Primerica reserves the right to accept or maintain accounts that do not meet the minimum investment requirements.”

Minimum investment and what it would cost

$25,000 falls in Primerica’s lowest whole-balance breakpoint bracket ($250,000 or less, at a combined 1.74%): $25,000 x 1.74% = $435.

Primerica’s own fee schedule at other balances

What a larger account would cost

The minimum is only the entry point. On a $500,000 account, Primerica’s own published fee schedule runs $8,550 a year; see the full dollar breakdown from Primerica’s own fee disclosure across several account sizes.

Already a client and thinking about the minimum a different way, like whether you could get a better deal elsewhere? See what it costs to leave Primerica, or read the general mechanics of switching financial advisors.

Sources

• PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1 (March 30, 2026): https://www.primerica.com/public/pdf/PFSI-PriAdvForADVWraFeeProBro.pdf
• SEC Investment Adviser Public Disclosure, PFS Investments Inc. (Primerica Advisors) (CRD #10111): https://adviserinfo.sec.gov/firm/summary/10111
• PFS Investments Inc. (Primerica Advisors), SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/10111/PDF/10111.pdf

Methodology. This page was built September 18, 2026, quoting directly from Primerica’s own current Form ADV Part 2A / wrap-fee brochure, with the source linked above. The annual-fee-at-the-minimum figure applies that same brochure’s own published fee schedule to the disclosed minimum dollar amount; any distinction we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading the firm’s own Form ADV Part 2A. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.