National Survey: Middle-Income Families Settling Into a New Reality With Ongoing Cost of Living Pressure

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38% describe their relationship status with finances as ‘it’s complicated’ DULUTH, Ga., January 29, 2026 --( BUSINESS WIRE )--Middle-income families’ outlook on the U.S. economy and their personal finances is beginning to stabilize after years of sharp swings, according to the latest Primerica U.S. Middle Income Financial Security Monitor™ (FSM™ ) survey The results show that lingering cost pressures and economic volatility leave households financially strained and cautious. The latest data suggests middle-income consumer sentiment has leveled off, and families are adjusting to a prolonged period of higher prices rather than anticipating near-term relief. In fact, about half (49%) say their main financial goal for the year is simply keeping up with rising costs. "After years of economic volatility, middle-income families appear to be settling into a new reality. They’re no longer waiting for the economy to turn and instead are learning how to navigate the higher cost of living," said Glenn J. Williams, CEO of Primerica . "Many families want help reaching their financial goals but sell themselves short due to misconceptions that financial guidance costs too much or is only meant for those with more money. These assumptions can hold families back, even though sound advice can be especially valuable during periods of sustained economic pressure." Additional key findings from Primerica’s Q4 2025 U.S. Middle-Income Financial Security Monitor™ (FSM™): Primerica Financial Security Monitor™ (FSM™) Topline Trends Data About Primerica’s Middle-Income Financial Security Monitor™ (FSM™) Since September 2020, the Primerica Financial Security Monitor™ survey has polled middle-income households quarterly to gain a clear picture of their financial situation, and it coincides with the release of the monthly HBI™ metric four times annually. Polling was conducted online from Dec. 1-4, 2025. Using Dynamic Online Sampling, Change Research polled 858 adults nationwide with incomes between $30,000 and $130,000. Post-stratification weights were made on gender, age, race, education and Census region to reflect the population of these adults based on the five-year averages in the 2021 American Community Survey, published by the U.S. Census. The margin of error is 3.6%. For more information visit Primerica.com/public/financial-security-monitor.html . About Primerica, Inc. Primerica, Inc., headquartered in Duluth, GA, is a leading provider of financial products and services to middle-income households in North America. Independent licensed representatives educate Primerica clients about how to better prepare for a more secure financial future by assessing their needs and providing appropriate solutions through term life insurance, which we underwrite, and mutual funds, annuities and other financial products, which we distribute primarily on behalf of third parties. We insured over 5.5 million lives and had approximately 3.0 million client investment accounts on December 31, 2024. Primerica, through its insurance company subsidiaries, was the #3 issuer of Term Life insurance coverage in the United States and Canada in 2024. Primerica stock is included in the S&P MidCap 400 and the Russell 1000 stock indices and is traded on The New York Stock Exchange under the symbol "PRI". For more information, visit www.primerica.com . View source version on businesswire.com: https://www.businesswire.com/news/home/20260128600115/en/ Contacts Media Contact Gana Ahn 678-431-9266 Email: [email protected] Investor Contact Nicole Russell 470-564-6663 Email: [email protected]

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