Subject: File No. S7-06-04
From: Glen H Johnsen

February 23, 2004

The new cost analysis forms are fantastic. A more detailed cost breakdown is definitely advisable. There are so many sales associates selling without adequate fund disclosures because they themselves are lacking knowledge.
I have passed the SEC 6 exam and attended brief seminars on transacting Primerica fund business. I was very disappointed in the lack of training us on proper disclosures
Needless to say, I no longer am in Primerica.

Glen H Johnsen