Established in 1977 as a small insurance firm in 1977, Primerica Financial Services is a global enterprise with more than 6 million clients in the United States, Puerto Rico, Canada and Spain. It is a financial services marketing organization with over 100,000 licensed independent representatives. The company provides mutual funds, variable annuities and loans, as well as long-term care insurance and prepaid legal services. It has a staff of nearly 2,000 employees. The company is affiliated with the Better Business Bureau and the American Council of Life Insurers. Primerica Financial Services and its affiliate companies are subsidiaries of Citigroup, which is one of the leading global financial service firms with more than 200 million customer accounts in over 100 countries. In addition to Primerica Financial Services, Citigroup operates Citibank, CitiFinancial, Smith Barney and Banamex.