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Primerica Canada Reviews

Lets See How They Stack Up to the Competition


Disclaimer: We have no affiliation with Primerica Canada, its representatives nor do we sell any Primerica products. This brief and detailed article is intended to provide you with information to help guide your purchasing decision.  If  you are looking to contact Primerica Canada directly, call them at (905) 812-2900.



James Heidebrecht Ivari Reviews 2020

Primerica Canada is a legitimate "A+" rated company that sells term life insurance. It so happens their life insurance rates are some of the highest in Canada. Primerica is also responsible for coining the phrase, Buy Term and Invest the Difference.


James Heidebrecht - Founder of Policy Architects

Are you looking at all the Primerica Canada Reviews to see if this company meets your life insurance needs?

This is a relatively well-known company but are they a fit for you?

If you’ve been reading my blog, you’ll know we have the most comprehensive series of reviews on life insurance companies in Canada. Check out our top 8 list for 2020!

Remember not all insurers are created equal. Always consult an independent agent to make sure you sign on with the one that is right for your circumstances. 

Your health, age and family background all impact the premiums you pay. The thing is each insurer has a niche where they excel.

So how does Primerica stack up to the competition? Let’s take a look right now!

Primerica Canada Reviews

What Is Primerica?

Founded in 1986, Primerica Inc. is an American insurance and financial services company. Their main headquarters is located in Gwinnett County, Georgia…

….and their main office in Canada is located in Mississauga, Ontario.

Primerica operates as a multilevel marketing company (MLM) and the main product they sell is term life insurance. In fact, they were the first to promote the philosophy of buy term and invest the difference.

You have to give them their due, when Primerica first arrived in Canada a few decades ago, they were a welcome shake-up to a stagnant insurance industry. Their focus on selling term when most companies were pushing whole life on consumers forced the market to change for the better. 

Term insurance allows people to purchase very affordable temporary coverage to protect themselves during periods of vulnerability. This approach also frees money to be invested in more profitable vehicles.

As of 2017, Primerica life insurance company reported having 120,000 independent representatives in the US and Canada.

PFSL Investments Canada Ltd. is the broker-dealer affiliate here in Canada. In 2015 Primerica was listed by Forbes as one of “Americas 50 Most Trustworthy Financial Companies.

Primerica Canada Reviews

Primerica Financial Rating

So what is a financial rating and why does it matter to you?

A financial rating is a score an independent credit assessment organization gives a life insurance company.

For example, they assess Primerica Canada’s financial strength and ability to meet its obligations when it comes to paying out life claims and benefits.

Life insurance is a long term commitment. What looks incredible one year can be on shaky ground the next. The best way to assure your investment is safe is to do a little legwork to see if the company is being responsible. 

Don’t get me wrong there are protections put in place for people who are attached to a company that is going belly up.

BUT it’s better not to have to deal with the hassle if you don’t have to.

A+

When it comes to financial stability. You have no worries when it comes to Primerica, they have a financial strength rating of A+ from A.M. Best! Whoo wheee that's a score for Primerica.

Primerica Canada question

That's awesome! Where do I sign up? 

Primerica Canada Answer

Settle down my friend. We  just scratched the surface. There are so many other considerations. While this is a good start we have many other things to discuss. 

Primerica Canada Reviews

Is Primerica a Legitimate Company? What Do Consumers Think?

To clear up any confusion or doubt, Primerica Canada is 100% legitimate.

If you currently have a Primerica life insurance policy, you can sleep well knowing that if something happens, it will pay out a benefit to your family guaranteed!

Another factor you should look into is how people view the life insurance company you’re considering.

I will, however, add a caveat here. Bad news travels fast, you know what I mean? Sadly people rarely promote things that are going well – but when they have a complaint you hear about it far and wide.

This is even more true when it comes to life insurance.

Policyholders EXPECT that their claims are going to go off without a hitch. I don’t think a lot of people really think about giving a shout out to the agent that helped get them with the most incredible policy ever!

…and if you add the stress of death even fewer people think about sending in that 5-star review.

NOT true when it comes to claims and hiccups.

So while this is an important thing to consider. You need to mitigate just how seriously you take these reviews because a lot of the top life insurance companies get dinged.

Things to be on the lookout for are relevance. What sort of insurance claim are they talking about and does it apply to? Another area to keep an eye out for is continuity.

Insureye Independent Life Insurance Reviews for Primerica Life Insurance Canada

This isn’t great. 2.3 stars out of 5. But don’t forget what I said above. Reviewers are fickle. So let’s take a closer look at what’s going on here.

HMMMMM! There are a lot of dissatisfied customers out there.

Yes, I saw the occasional good review but for the most part, people seem unhappy with Primerica Canada. Everything from the cost of premiums to customer service.

While I hesitate to give too much credence to these reviews, they shouldn’t be dismissed entirely. 

Primerica Insureye Review

Primerica Canada Reviews - Are Employees Happy? 

Primerica Life Insurance Glass Door Reviews

Wow now, this is terrific! It seems like people who work at Primerica Canada are very happy. They try to convey a culture that’s caring and it makes a difference for their employees.

From the reviews, it looks like community and service are emphasized and people who work there are compelled to share their positive experiences.

Score for Primerica! 4.6 stars out of 5 at Glass Door. 

Indeed doesn’t fall far afield of these numbers at 4.2 stars out of 5! Another score for Primerica. It looks like they are doing something right as employers and this does give you some insight into how they do business. 

Primerica Questions

So what do I care if the employees at Primerica love working there?   

Primerica Answer

Company performance and the way the employees feel is connected. I say this is a positive aspect of the culture promoted at Primerica Canada. 

Primerica Canada Reviews

Primerica Life Insurance Products 

I really enjoy this part of my reviews. This is when I get the chance to look at everything that’s out there.

Hey, it’s easy to get myopic and these reviews make me take time out to see what’s new!

Life insurance is a complicated business. There are a ton of companies and some very different approaches.

Every life insurance company has a niche that they like to claim as their own. This is an important point for an agent to thoroughly understand to get the best possible rates for their clients. 

Products also change from company to company. If you think they all offer the same thing…

…think again!

Some insurers specialize ONLY in life insurance while others offer a whole host of other products. Each and every insurer’s offering is different when it comes to coverage, riders, etc.

Primerica Canada Reviews Products

Primerica Term Insurance

primerica Canada Reviews financial services

Primerica offers term life insurance. Their product page, unfortunately, doesn’t provide a lot of information. It’s more of a marketing pitch. 

You can easily access figures such as the payout percentages and the average time it takes to process a claim…

…but information regarding Primerica’s actual products is nowhere to be found. 

While I love term life insurance, I like to see a little bit more information about the policies. 

Primerica TermNow

TermNow is Primerica’s No Medical offering which means no physical or health exam is required as part of the application process.

Of course, like any other simplified issue product, this means your policy is more expensive than one that is medically underwritten. 

Primerica Custom Advantage

Custom Advantage is Primerica’s fully underwritten term life insurance product. You can apply for coverage amounts from $50,000 up to a $1 million or more. A life insurance medical exam is required and as such, the application process is longer.

NOTE* Primerica Canada does NOT have a permanent conversion option with their term insurance products. You can read more about it here.

Looking For A Term Life Insurance Quote?

Does Primerica Have Whole Life Insurance?

Primerica does NOT offer any form of permanent life insurance, including whole life or Universal Life.

They rely solely on the concept that term works for most people most of the time. Primerica was the first company to support the statement “buy term and invest the difference”.

While we agree with the basic premise of this quote, there are circumstances that require a different approach. 

Why is this a problem?

All other major carriers in Canada who sell term insurance offer what we call in the insurance business, a conversion option.

This allows you to exchange your term coverage for permanent coverage and it’s VERY, VERY important. Especially if you should become uninsurable during your term.

If you get sick, or god forbid, develop a life-threatening illness, the conversion option is the BEST way to guarantee your insurability moving forward!

Also, if you’re someone who has an estate, permanent life insurance is one of the tools you WILL need to protect your assets from the taxman!

Primerica Canada Reviews

Primerica Financial Services 

There are insurers like Foresters that specialize ONLY in life insurance products.

I actually quite like this approach as I feel they have a niche and are experts in it.

Primerica Canada is one of those insurers that extends its market into other products including financial services. So let’s take a look to see what they offer right now!

Primerica Financial Needs Analysis

primerica canada reviews needs analysis

As part of its services, Primerica financial advisors offer a complimentary Financial Needs Analysis (FNA).

Primerica uses this service to market its products. They give you a detailed analysis of your current financial situation and suggest a strategy to help you attain future financial stability, which I am sure includes using their products.

Primerica Investments

Primerica Life Insurance

Primerica prides itself on helping people who don’t have endless funds to invest.

Unfortunately, a lot of companies won’t work with you unless you have $100,000 or more in the bank.

Primerica’s investment products are as follows:

  • Mutual Funds:  As you may know, mutual funds offer you an opportunity to invest with others in a fund. For as little as $25.00 – $50.00 per month you can join a program run by PFSL Investments Canada Ltd.
  • Segregated Funds: This is similar to a mutual fund. This investment tool allows you to invest in stock and bond holdings through the fund. Primerica’s segregated funds have a 75% capital guarantee, creditor protection, and transferability.  Their Common Sense family of funds includes: Asset Builder Funds III – VII & Strategic Retirement Income Fund.

Primerica Debt Consolidation

primerica life insurance canada

Debt is an issue that faces us all! It’s spinning out of control in Canada.

Primerica pinpointed a need and offers services to help you get out of debt and into a better financial situation. 

The solution they provide is a consolidation loan.

You have one payment at a lower interest rate that allows you to chip away at the money you owe faster. I’m not familiar with all of the ins and outs of these loans, so I will leave this to someone who does to comment on the viability of these services. 

The debt to income ratio of Canadians hit a record high of 178.5 percent in the fourth quarter last year as mortgage holders continued to take on non-mortgage debt.

 

The ratio increased as average monthly required payments rose 4.5 percent compared with a year earlier, while disposable income rose only 2.5 percent, the agency said. 

 

CMHC says Canadians’ debt levels hit record highs at end of last year, CTV 

Disability Insurance: Primerica Enhance

Disability insurance is something everyone should consider.

Especially if you work for yourself or lack company benefits. People are living longer, but that doesn’t mean you won’t be disabled or get sick and recover at some point in your life.

This coverage fills in the holes left by unfortunate events. The tab on the Primerica site for Disability is a little confusing as this insurance gives you the following coverage:

  • Guaranteed Issue Critical Illness
  • Medical Benefits
  • Travel Emergency Medical Coverage
  • Business Overhead Expense Coverage
  • Roadside Accident & Sickness Benefit
  • Dental Benefits
  • Fracture Accident Coverage

This is really nice! It appears they’ve thought of everything that could potentially fall through the cracks. 

Prepaid Legal Services 

Legal advice is very costly.

We all know that questions surface all the time when it comes to contracts and disagreements. What if I told you that Primerica Canada offers a service to cover those needs?

For $25.00 per month you’re given access to legal advice for the following matters: 

  • Legal Consultation and Legal Assistance Services
  • Will Preparation
  • Living Will
  • Power of Attorney (Property and Personal Care)
  • Estate Settlement Legal Advice
  • Documents and Contracts Reviewed
  • Small Claims Court
  • Consumer Protection Assistance
  • All Other Legal Work
Primerica Canada Reviews

How Do Primerica Agents Get Paid?

Life Insurance is a Commission Based Business 

It sure is. You don’t make a sale, you don’t get paid. This is true for every life insurance agent whether they’re independent or tied to one specific company.

Consumers should be aware, every life insurance product has a commission built into the price, regardless of whether you buy it directly through a bank or a captive broker. You’re paying this commission in spite of whether you receive any good advice or not!

It’s always a good idea to deal with independent life insurance agents. If you know you’re paying a fee, you might as well get some unbiased advice for your money. Similarly, if you’re shopping for a mortgage the same holds true: get the council of an independent mortgage broker.

Primerica Advisors are NOT going to direct you to any products other than Primerica.

This doesn’t mean Primerica advisors are not professional or do not work in the best interest of their clients. I’m sure they do, however, they are limited to only Primerica offerings. What happens if you have a health problem or condition that another carrier might view more favourably? 

Will your Primerica advisor bring this to your attention?

Primerica Canada Reviews

Primerica Term Life Insurance Rates

So let's take a look at the cost of Primerica's term life insurance. I think at the end of the day this is the information that is most consumers are interested in. How does Primerica compares to the competition? Spoiler Alert...They're Expensive!

Primerica Life Insurance Canada, 20 Year Term, Standard, Non-Smoker Rates

Policy Architects
Age$500,000$1,000,000
30 Year Old Male$36.58$65.08
30 Year Old Female$36.58$65.08
35 Year Old Male$44.65$81.23
35 Year Old Female$44.65$81.23
40 Year Old Male$63.18$118.28
40 Year Old Female$63.18$118.28
45 Year Old Male$101.18$194.28
45 Year Old Female$101.18$194.28 
50 Year Old Male$167.20$326.33
50 Year Old Female$167.20$326.33
55 Year Old Male$277.40$546.73
55 Year Old Female$277.40$546.73
60 Year Old Male$513.00$1,017.493

*Quotes above are for Primerica Canada’s custom advantage 20 year term, monthly, Standard Health Class, non-smoker. Your rates may differ depending on your unique circumstances. June 2020.

Primerica Penalizes Women!

Did you notice anything weird about the Primerica Life Insurance Rates above?

If you look closely, you’ll see that their rates are the same for men AND women! Primerica Canada is truly gender neutral when it comes to underwriting… Kudos to Primerica, they support women’s equality!

…or maybe NOT.

Most life insurance companies cut women some slack when it comes to rates because statistically, they live longer than men. In fact, across the board, women should expect to pay 30% less for their life insurance than their male counterparts.

Primerica does NOT do this, they simply charge women the same rates as men. In other words, if you’re a woman, you pay 30% MORE with Primerica Canada for your term insurance then with most other carriers!

Hey, I’m all for equal rights but if you’re a woman, do you really want to pay the same rates as a man?

Since women have a longer lifespan, they will more likely outlive their policies’ terms. In many cases, men are the primary income earners for the household, which means that they typically purchase bigger policies than women do. Often, a man needs to purchase a policy to provide for his family in case he dies and the family loses its main source of income.

Why is Life Insurance Cheaper for Women, Financial Web

Looking For A Term Life Insurance Quote?

Primerica Canada Reviews

Comparing Primerica Canada To Other Companies

Primerica's Gender Neutral Underwriting: Doesn't Pay Off for Women

My Primerica

Primerica Rates

Ok, let’s take Debbie. She is 45 years old, a nonsmoker and in ok shape.

Based on this info, it’s likely she will get a standard rating. She needs $500K in coverage for 20 years to make sure her family can replace her income if she passes away suddenly.

Debbie heard about Primerica Life Insurance Canada and wants to get some quotes.

She contacts a Primerica advisor who says she can get a 20-year term policy for $101.18 per month. 

My Primerica

Empire Life Rates

Debbie decides to do some comparison shopping herself and runs some instant life quotes on one of the many online platforms that now exist. 

She discovers that one of the carriers that come in at the lowest cost is Empire Life. Debbie sees she will pay $54.45 per month for a $500,000 20-year term policy with them.

Whoo wheee!

Remember she is going to pay these premiums over 20 years so let’s take a look at the overall difference: 

$11,215.20
MORE OVER THE TERM!!!!!!

OUCH! I am just going to leave this here, as I think the number speaks for itself.  Just think of the things you could do with this sort of cash. This is EXACTLY the reason to compare Primerica quotes with quotes from other life insurance companies. 

So let's take a look at another scenario....

Age & Primerica Life Insurance Canada Rates

As I mentioned before your rates are tied to your age. The older you are the more risk an insurer takes on to protect you. So it makes sense that they pass that risk on to you. That being said, there are insurers that are more lenient than others when it comes to age. Let’s see how Primerica stacks up. 

Primerica Life insurance rates

30 Year Old Non-Smoking Male:
Primerica vs. BMO 

Thom is a 30-year-old male, non-smoker in good shape. With BMO, he manages to get standard rates and wants to lock in those rates for a 30-year term. 

He has a very young family and this protection will take him through the most vulnerable periods. He earns approximately $80,000 per year and is opting for $1 million in coverage. With BMO, $1,000,000 of 30 year term will cost him $84.60 per month. 

A family friend suggests he check out  Primerica rates as well to make sure he’s getting the best deal. Besides, Primerica has an AM Best Financial Strength rating of A+. 

It turns out Primerica Canada is offering the same coverage for $107.83 per month. Thom does the math to see how much he will save over 30 years by going with BMO:

$8.362.80
MORE OVER THE TERM!!

Well the cost of term life insurance between these two companies is quite noticeable! But what if the client is older with average health? 

Primerica term life insurance

50 Year Old Non-Smoking Male in Standard Health
Primerica Canada vs RBC Rates 

Brian is a 50-year-old male, non-smoker who is in standard health.

He just started a business and wants to make sure that his partners and employees are protected if he dies unexpectedly.

Brian thinks $500K of coverage for 20 years will do it.

One of his friends has a Primerica policy and they are very satisfied with their service so he reaches out to a Primerica agent to check some rates. The premiums cost about $167.20.

With a little research, he sees that RBC offers premiums for about $127.44 per month for the same policy. If he signs up for Primerica our client pays: 

$9,542.40 
MORE OVER THE TERM!!

My take away?  The numbers speak for themselves. In spite of the fact Primerica agents are good people trying to take care of their clients and families, you can probably do much better than their life insurance offering. 

Primerica Canada Reviews

What Happens When Your Primerica Term Coverage Ends? 

This is a terrific question, my friends because the goal is for you to live past the end of your term.

Life insurance is one of those products you pray you won’t have to use. The thing is, you need to remember life insurance is a business so underwriters bet on you living, that’s how the companies make money otherwise they’d be out of business.

So what happens when your coverage ends? 

If you’re healthy, nothing happens. If you require protection moving forward, you simply re-apply for some new term or permanent coverage (with another carrier) to take care of whatever your need happens to be. 

I love term life insurance because it provides TEMPORARY coverage for periods of vulnerability. So if you are 35 years old and get a 30-year term, chances are you won’t have the same need for coverage when you’re 65.

BUT what if that’s not the case? Life happens and now you still have a mortgage, debt and dependents.

Most life Insurance companies in Canada have a term conversion feature that allows your policy to roll into a permanent policy WITHOUT a medical exam. This permanent plan locks in level rates for the rest of your life! This is a perk for people who see a decline in their health but still need protection.  

If you go with a Primerica policy you’re out of luck! Especially if you have developed some medical issues which make you uninsurable at the end of your term.

Primerica does NOT have a permanent life insurance product to exchange your term coverage for. Bear this in mind when you sign on the dotted line.

Primerica DOES have an option to renew your term up to age 95 but after age 55, their rates increase at 5-year and then 1-year intervals. This is not the same or as locking in guaranteed rates that will never increase for the rest of your life. 

There is no reason you shouldn’t have a term life insurance policy without this conversion option. Even though you may never need to convert the policy,  it’s nice to know it’s there in the event of a worst-case scenario. 


Looking For Term Life Insurance Quotes Online?

Primerica Canada Reviews

Primerica Canada "Pros"

Great Financial Rating 

Primerica Canada has an A+ rating which means they're a very financially stable company. If you have protection through them rest assured you're covered. They are very well regarded. 

Employee Satisfaction 

It appears that Primerica treats the people who work for them well. Glass Door gave them a glowing review and I do think this is a factor when it comes to choosing a company. 

Strong, Community Based Culture

Primerica is interested in helping "main street" people to access to financial products such as debt consolidation, mutual funds, segregated funds and financial needs analysis. 

Primerica Canada Reviews

Primerica Canada "Cons"

Primerica ONLY sells term insurance

Term is the only life insurance product they have. If you are looking for anything permanent you need to find another company which brings me to....

Primerica's Term Insurance is Very Expensive 

I don't find Primerica Canada to be a competitive company for life insurance. They are never the most affordable in the bunch. In fact, run an instant life insurance quote on any insurance platform and compare it to your Primerica rates. You'll notice there are more affordable options with companies that have the same financial ratings.

No Conversion Option with Primerica Term Insurance

If your health has changed for the worse and you still have a need for guaranteed level protection after your term expires, you are out of luck! 

All major life insurance companies in Canada and the US provide a term conversion option you can execute up to the age  75 depending on the carrier. You can exchange all or a portion of your term insurance for guaranteed permanent coverage without providing any medical evidence. 

Do consumers execute this option frequently? No. Then why is this so important?

Let's say your term insurance is about to renew at extremely high rates and you've developed a health condition along the way which prevents you from qualifying for affordable replacement coverage.

The conversion option means you can exchange all or a portion of your term for a permanent product and lock in level rates for the rest of your life. The best part? You are able to do this without undergoing any medical tests or underwriting and your monthly premiums will never increase, guaranteed!

Primerica does NOT have this option. They do have a term to 95 policy which provides guaranteed coverage up to age 95. This does not, however, mean the rates are level up to age 95.

After age 55 if you have a Primerica Term to 95 plan,  your monthly cost increases every 5 years until you're 70. Believe it or not, after age 70 your monthly costs will rise again each and every year up to the age of 95. Can you imagine how much you'll pay over the life of your policy?! 


Women Pay MORE for Primerica term insurance!

If you're a woman, go to another insurer! Primerica Canada's gender neutral approach doesn't benefit you at all. 

Their rates are higher for women across the board ESPECIALLY as you age.

Primerica Doesn't Like High Risk Applicants

If you have any preexisting health conditions and are concerned about your insurability, Primerica should not be your first choice as a carrier.

If you've read my high risk life insurance article, you'll know you're healthier than you think. It may be possible to find affordable coverage even if you are worried. Unfortunately, NOT with Primerica!

Primerica has Captive Brokers

Primerica agents ONLY sell Primerica policies. Again, this doesn't mean you won't get great service from your Primerica advisor, it just means they can only offer you Primerica products.

Primerica Canada Reviews

Is Primerica  Canada The Best Company For YOU!?

If you are perusing Primerica Life Insurance reviews, then this is the article for you. We have a lot of information about this company!

To be quite honest, Primerica does not sell substandard term insurance policies. If you base your choice solely on their financial strength, it seems like a good option.  

The challenge is, however, their policies offer the same benefits as other companies at a much higher cost. 

Primerica Reviews Policy Architects

Get Quotes From Primerica And Other Life Insurance Companies Before You Decide

Don’t get me wrong, Primerica Canada is a reputable and financially secure company so they can’t be faulted there. If you have a Primerica term insurance policy, rest assured, if something happens, it will be paid out guaranteed.

BUT if you’re looking for the best possible rates from one of the top life insurance companies in Canada,  you should make sure to get quotes from Primerica and other carriers before making a decision.

 

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2 comments

Jennifer Krause July 1, 2020 at 3:38 pm

I am looking for life insurance in Canada. But the biggest issue I have is what is the payout rate. I have seen whole life go bad, CIBC dragged paying out for months and months but “losing” papers repeatedly. Claims get denied for post underwriting and complicated questions you didn’t know you asked wrong. And I have Primerica did payout in 10 days while other plan took months and months of hell and fighting. I don’t mind paying a bit more if I actually get the money. I have seen claims just be dragged through the mud after a loss. So I was wondering if you could cover the best plans that are pre-underwritten and that actually pay out in within weeks or reasonable time frame. Thank you.

Reply
admin July 13, 2020 at 8:57 pm

Hi Jennifer,
Thanks for reaching out. The best plans and the only plans we recommend are ones where the underwriting is done upfront. Generally speaking, with most insurance products purchased through banks (ie. CIBC), this is not the case. They do what we call “post-claim underwriting”. This is especially true with mortgage life insurance that is purchased through the financial institution where you have your mortgage. This is problematic because the application questions are vague and this substantially increases the potential for claim denials. If you check out this post, it explains exactly why consumers should avoid buying these type of insurance plans from the banks: https://www.policyarchitects.com/mortgage-life-insurance-vs-life-insurance/. There’s also a link in this post to a well known CBC story about mortgage life insurance. Well worth the read.
Primerica, like most major carriers in Canada, does their underwriting upfront. This would include straight-forward detailed health questions and possibly a life insurance medical involving vitals and blood & urine testing. That’s likely why their claim was paid out in a timely manner. The life insurance industry in Canada is highly regulated and anyone of the top 15 or 20 companies pays out a very high percentage of legitimate claims (I’m guessing 98% or higher). How quickly they get paid out depends on a number of factors including when the insured passed away and how quickly the proper documents, etc are submitted to the carrier.
I’m happy to provide you with additional information and a quote if you’d like. Please check your inbox for a message from me.
All the best, – James

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