Primerica Financial Services, a wholly owne subsidiary of Citigroup, is headquartered in Duluth, Georgia. It is the largest financial services organization in North America with more than 100,000 licensed independent representatives, 26,000 of whom are FINRA securities licensed through PFS Investments, Inc., Primerica's securities broker-dealer affiliate. The company provides financial products and services through its affiliates that include term life insurance, mutual funds, variable annuities, loans, long-term care insurance and pre-paid legal services, to over 6 million clients. Its mortgage lender Citicorp Trust Bank, fsb is one of a few major mortgage providers to offer Simple Daily Interest mortages through its $.M.A.R.T Loans, which reduce the cost of a mortgage for people who regularly pre-pay or pay bi-weekly by recalculating interest based on the remaining balance everytime a payment is made. In August 2007 Primerica and Answer Financial introduced Primerica Secure, an auto and homeowner's insurance referral program to get today's most competitive quotes in the market among dozens of insurance carriers. Primerica conducts business principally in the US and Canada. In 2000 the company expanded overseas to begin operating in Spain as CitiSoluciones. It is a former component of the Dow Jones Industrial Average, having been replaced in 1991 by J.P. Morgan.