Primerica

Career Agent of 22 Years,  Kentucky

  Posted at 4:47pm on Tuesday, August 26th, 2008

Primerica is a Company with LEGAL Legitimate Insurance Products and MANY PREDATORY SALES PEOPLE from the top down to the entry level. This group of people PREY on anyone that has a heartbeat and an ability to pay a premium. Insurance Premium $$ ='s Commissions They are only interested in a recruit/client/agent in order to gobble up a persons insurance dollars and personal finance assets that they can hit for their own commission/paycheck and any one else the poor sap knows that also has a heartbeat and a checkbook balance. They bring anyone and everyone they can on board their "so called awesome career opportunity" to get a foot into the door of the new recruit's center of influence. They could care less if an agent is successful or not. This
Company Primerica/A L Williams is the black sheep of the Insurance Industry! They give us all a bad
name. Primera makes it cheap to attempt to get licensed as and Insurance Agent because they pay most if not all of the expenses. I said CH... read more »

Winston,  Location unknown

  Posted at 8:43pm on Thursday, August 21st, 2008

Who here has heard of the Bible? Just the same, people put down a good opportunity because they are not willing to put in the time it takes to Be saved. Winners are Chasers. If your rather roll over then go ahead just don't take anybody with you.
Same thing with the bible. If you don't meet the requirements then you know the alternative. I am happy with the company, and the Bible. If you are not willing to make a good change in your life what ever it may be. Then don't give a negative report about something you know nothing about. Don't be a "chicken Little" every time a good Opportunity comes your way.

Maria Carlson,  Upland Office

  Posted at 11:58pm on Wednesday, August 20th, 2008

Take a look at the average rating at the top, it speaks for itself.
Amen

Tattoo,  Colorado

  Posted at 2:00am on Tuesday, August 19th, 2008

I have, in the last few weeks, decided to give Primerica a try, both as a client and a rep. For those of you that are skeptical about pyramids, mlm, etc, so am I. So why, you might ask, have I ventured into this opportunity? I have been researching and planning a possible career change for about 6 months. At the very least, Primerica gives me the opportunity to have a shot at succeeding without risking a lot of start up money. And so far, I have been capable of discussing what Primerica can do for people, without having to resort to pushy sales tactics, to help a couple of families make educated decisions about their finances. I understand the concepts we present, and yes, I expect to have a steep learning curve to learn a new job/position/skill. Not unlike anything else new I have ever tried. In my opinion, if someone doesn't fully understand how something works, they should get involved and see where it leads, with eyes wide open. If this doesn't work out for me, no hard fee... read more »

Lea,  Unknown

  Posted at 8:26pm on Monday, August 18th, 2008

I have a "friend" selling Primerica, and he has no other training other than a couple of nights a week for a few months, and all the while has gotten into such a fuss with his own family to the point they are no longer speaking, and he keeps trying to push this on us as well. He wants us to consolidate through Primerica. I have exceptional credit, and we have told him "No thank you", but does he hush about it? No, instead he never shuts up. Primerica has taught him nothing except to be a pusher, and an ignorant one at that. It is a foolish thing, but he was sucked in and actually believes himself now to be doing a good thing. I have talked to a couple of banking institutions that I have trusted completely and who have helped my credit reach a platinum standard, and they both tell me consolidating hurts your "credit" or I guess stature in getting business through other financial institutions. So, I guess if I wanted to have only one options, that being Primerica only, rather than... read more »

Amanda,  Massachusetts

  Posted at 2:07pm on Thursday, August 14th, 2008

$30- CORI check
$69- licensure (you get this back if you quit)
$25/month (opt) to pay for FNA computer software if you want it on your personal computer
Then, Primerica chips in about $3,500 to get you licensed. this is a great opportunity for those who want a career in financial services simply because they pay for you to get the mortgage license, and they pay for you to gake the test to get life and health insurance licensure (I know I don't have a few grand sitting around). so for those of you who are sadly mistaken, thinking that Primerica takes your money at the recruitment meeting and puts it in their pocket- you couldn't be more wrong. For those who last long enough to get licensed but still quit, Primerica has spent way more on them than the person has made. Do you understand that? They pay, on your behalf, nearly $4,000 so YOU can get licensed and start making some dough. You must get licensed because you cannot legally touch anyone's money until you become licensed. ... read more »

RS,  NEW JERSEY

Posted at 2:09am on Wednesday, August 13th, 2008

Isn't it true when you open up a life insurance policy working for Primerica that you don't get an annual commission after the first year while the policy is open? You dont get a trailer commission or a overide after the first year as long as the policy stays in tact???

I work for a company that you do get a yearly, trailer, and overide commission every year that policy is open.

Donna,  Ontario

  Posted at 6:33pm on Tuesday, August 12th, 2008

I'm very impressed to see how well this company is growing. we are growing and growing excessively everyday. For those who turned down this opportunity, its your lost. 5-10 years from now, driving down the road seeing many of our branches set up in place, you will kick yourself in the butt thinking "I could of owned one of those branch making minimum $100K a year w/freedom...." good luck to all who are working for a better tomorrow with PRIMERICA!

vicki,  Location unknown

  Posted at 12:24am on Sunday, August 10th, 2008

So many people on this site are talking about paying to join Primerica THE FACT IS YOU DONT HAVE TO PAY ANYTHING TO BE A PART OF PRIMERICA. The $99.00 that you do pay goes to the state to pay for school. You see to work in the financial service industry you have to have a license. Yes Primerica is regulated by the GOVERNMENT. And for those who think Primerica is a Pyramid, Do you really think CITI who last year was worth 2.4 TRILLION dollars would back a PYRAMID? Come on just think about it. Another thing when you want to check a company out, don't read junk that people write on the internet, or your broke Uncle Fred, get some real sources. Primerica truly does offer great oportunities. Check it out for yourself, and you make the decision. Dont let someone else decide your future.

Pratibha,  NY

  Posted at 4:55pm on Saturday, August 9th, 2008

Primerica is doing Great Job!!!!
If you want to change your life and wants to be somebody special then come here otherwise stay whereever you are because no one can change your life unless you want too and for that you need some one to guide you.

Hannah,  TX

  Posted at 7:30pm on Friday, August 1st, 2008

My experience with primerica was HORRIBLE. My friend invited me to one of the meetings and i was told to come back for another meeting. At the second meeting, they "explained" to me what they do and asked me to pay $99 for "background check and license". I paid for it not knowing what i was getting myself into. At the 3rd meeting, they told me to go home and register for an online account which cost $25 a month. They "explained" some more and asked me to recruit 3 people to get promoted. I knew right then that it was a pyramid scheme! I told them i wanted to quit and they were ok with it. Two months later, i checked my bank account and the online thing (which i didnt even register for) charged me $50. I lost a total of $149! Don't get yourself in a situation like me and watch out for these people!!

Anonymous,  Location unknown

Posted at 7:53pm on Wednesday, July 23rd, 2008

I lOVE THE COMPANY. IT HAS ENA

DougLas M.,  CT

  Posted at 11:19pm on Thursday, July 17th, 2008

I just started Primerica because of my friend. He made $1500 from his family refinancing. I know my family will not participate and many people are reluctant to join. So I figure having the license will be a benefit to me right???? I paid the $99 but I'm (hopefully w/no tricks) not paying the $25 monthly fee for Primerica's service/assistance. Wish me Luck!!!

Mary,  Pa

  Posted at 4:03am on Tuesday, July 8th, 2008

I did the business and went into debt......I don't blame anyone but myself because I was warned about the business and I ignored the warnings. See, the business is not for everyone. Actually it is for very few.....The prospect and recruiting business is a skill most people do not have and do not want to achieve because it is very hard to change your personality. If you are the kind of person that is good with change( which is very rare) then the business may be good for them. So just be careful and do your math and it may be what you are looking for or not. Good luck!!!!

Shayne,  Houston, TX

  Posted at 11:14pm on Friday, June 27th, 2008

For one, I happen to be interviewing for this particular company tomorrow morning and have heard a balance of many different things. First off I have heard that it is a good financial decision and the people there are nice and corteous. On the other hand I have hear the most negative and immature comments such as: "They must have gotten their degrees from hobos", or "It's all just a big rip off and when Jesus comes they're all going to Hell". For the most part I must add, I have worked at many different customer service jobs, the latest being Sharper Image, and we, as I must represent all retail workers everywhere, are sick to death of your immaturity. If you don't like it, don't go there, and if you wish to write a review of the place, don't make things up, or over exagerate them, or for dear Lord's sake, don't make a paragraph full of cuss words. Also, to Mr. Jay from Richmond, VA, I really do believe that you need to be re-educated in all forms of human etiquette because when confro... read more »

Primerican,  Massachusetts

  Posted at 11:59am on Sunday, June 22nd, 2008

To Primerica Business Owners:

Yes, it is frustrating dealing with people who can't believe in the American Dream. I understand your pain...I had given up on ever being wealthy and helping others at the same time. So I was helping others in social work and struggling from check to check. Not anymore.
BUT!
You represent a wonderful organization that offers a solid and comprehensive plan to middle America. Don't ruin Primerica's reputation by writing hate and anger to people at these sites.
Maintain the confident professionalism that built this company from eight people to over one hundred thousand. I was at a meeting with one of the founders (Virginia) yesterday and she was the epitome of class and professionalism. We know what we do. That should provide more than enough strength to ignore the frightened people who can't change. If you would not want to recruit one of them on your team, why waste your precious time yelling at them here? Keep your head up and know that your h... read more »

Cory,  ut

Posted at 11:46am on Saturday, June 21st, 2008

I have a concern only because I have been burnt in a pyramid scheme, Why is this company structured similar to a pyramid scheme it makes it difficult to trust or even believe? What this company has to offer sound to good to believe and well it sounds like it might be! I do not know if this company is good or not but if people are calling it a sham, well Why are they? I have tried getting family involved in something or talked of how certain companies could help them and every time there seems to be a lot of tension. Primerica says that getting you family involved will help you succeed. I say that if you pester you family and stress them to far there will be ill feelings that are exchanged. Those of Primerica I ask you prove to me that you are helping and not screwing me or other people over. I do have another question for every one that would like to answer me why in Primerica do I make money off of people that I train if they sell something? (if I had made it into the compan... read more »

Rich Widow,  East Coast

Posted at 7:46pm on Monday, June 16th, 2008

There are 2 things to take into consideration...
if you have control of your money, you can make a proper assessment as to whether the programs offered apply to you, you can also go throuogh e-trade, etc. and conduct business yourself. It all depends on how financially savvy you are. Primerica, it seems assist those who are limited in their knowledge. Those who work for that company or any company, must apply themselves in order to succeed and advance. There are faulty people in most organizations. Ultimately, it is the consumer who must make a good WELL-INFORMED decision. Let's not forget all those who are forclosing because of poor judgement or misinformation...

Jay,  Richmond, VA

  Posted at 11:57pm on Tuesday, June 10th, 2008

I think it is interesting that everyone gets so upset when their "company" (cult) gets a negative response. Usually when someone gets so defensive it is because they are doing something wrong! When your conscience is clear then you usually don't have to worry about what other people say... but when there is something wrong, then that is when we get defensive... and in this case, extremely defensive. Why would you feel the need to cuss and call people names if everything is on the up and up? I have been to meetings, and to me it seems like a lot of hype. Sure, you are helping people with their finances, but at what cost? It may work for someone who wants to get rich and make $27K a month on someone else's money, but it wasn't for me. Not into the hype. Good luck to those of you who are successful at it.

Janet M.,  San Diego, CA

  Posted at 11:32am on Thursday, June 5th, 2008

Satan, Hell - you sure are one! your brain is smaller than a piece of dirt and so is everyone else who is dishing this company. IGNORANT, STUPID and POOR!!! forever! work at a job and see where you'll go 5 years from now. Lets not even talk about the opportunity, lets just talk about what we do for our clients. We educate them and help them get out of debt. HOW???? you will never find out if your brain is not willing to open. If there is a will, there is a way. If there is a problem, there is a solution. Ask yourself, do you know how banks make money and why you're a broke ass all the time??? living pay chq to pay chq? dumb dumb dumb ignorant fools! prejudging something so valuable!

Satan,  Hell

  Posted at 8:16am on Thursday, June 5th, 2008

Damn. You people sound like a bunch of insane religious cult members defending your leader's dignity. Sure makes people want to join. NOT!

Brittany,  Maryland

  Posted at 4:36pm on Wednesday, June 4th, 2008

For those of you whom think that Primerica is a joke,scam, or pyramid scheme you are simply living in ignorance. I recently started working for Primerica and it is an amazing company that opens a lot of doors for everyone. Why wouldn't a person want to work for a company that not only allows them to educate people on their financial situations, but also educate themselves on their own finances. Most people don't realize that other financial institutions aren't always reading or explaining all the little fine print details which is how most people end up paying three, four times the amount of money then what they borrow. Those people that think Primerica is just a pyramid scheme have absolutely no idea what they're talking about. Yes, it does take a lot of time, paitience and hard work to build a good business but it also takes a good team to build a good business. You are only as strong as your weakest member, and if everyone just gave this business a chance we, together can help sprea... read more »

Lady,  Texas

  Posted at 8:38pm on Monday, June 2nd, 2008

Why do you want to listen to people who say it didn't work....maybe it didn't work because they quit too soon.

taha,  bergenfield. nj

  Posted at 11:06pm on Wednesday, May 28th, 2008

i just want to tell some people out here that are hating on primerica how DUMB you guys sound when you are criticizing the company. Its soo funny how you guys are SO DUMBBBB omggg, telling people to "BE AWARE!!" close minded bitches

Benjamin,  Canada

  Posted at 8:56am on Tuesday, May 27th, 2008

Primerica is an oppurtunity that allows those interested to work hard, build a real business, and create residual wealth. Becoming rich and/ or successful IS NOT EASY! So many people look at this like it should fix their problems. Their is a process where you as a person must grow and change and you must challenge yourself to be something better than you are now. If you dislike working for someone else or more importantly having someone else determine what you are worth than this might be for you. By the way I know several people who built their business and then were able to sit back and relax. One couple in particular built their business with Primerica, retired 7 years ago, and their income is still growing. Try that with your regular 9-5 or your typical small business.

Smeagle/Gollum,  Mordor, Middle-Earth

  Posted at 3:58pm on Saturday, May 24th, 2008

ALL you people are losers, LAZY, and stupid.
Primerica, whether you're in favor of or not, is for great people!
The company strives on using other people just like any other company. I went to one of their "secret meetings" and I had a fucken blast. They were quick to want to recruit and take money from me.
They didn't hesitate on charging my damn credit card also. I felt like a damn one-legged prostitute who uses noodles and ketchup for a poor excused Italian dish.
I strongly recommend joining Primerica. "Only the strong survive," as Darwin said. NO other company has ever been so successful. Siskel and Roeper rate it 2 thumbs up!
Newsweek and Time say, "Now there's a scam.''
You won't be dissapointed! " Freeeedom like Wallace!
Primerica, take it, it's yours!

Mary,  Wisconsin

  Posted at 4:38pm on Friday, May 23rd, 2008

I am a new rep in Primerica.
Yes, the company is not like any other. I am slow to start. Even if I never do another thing in Primerica the knowledge I gained about my own personal finances is priceless.

Quit complaining. IF you joined, decided it was not for you, ask for your money back. (within 1-2 months). Small investment, if you do not get licensed and follow thru, you got what you paid for.

And all jobs are pyramids. Even Health care.

Mandy,  Seattle, WA

  Posted at 6:40pm on Tuesday, May 20th, 2008

Those of you who are saying bad things about the company are just fools. You don't know what you don't know and you know what you think you know. While you guys are writing these comments, many many Primericans are making money including myself. And for those who are reading these bad comments and right away prejudging this golden chance, you guys are fools too. You either work like a dog w/Primerica for 3-5 years and have a passive income forever OR work at your job and get treated like a dog for 40 years with nothing to show at the end. I'm there... I can taste the sweetness. Don't believe in these comments, believe in yourself.

Isaac,  Location unknown

Posted at 8:51am on Thursday, May 15th, 2008

Every J.O.B is a pyramid, and Primerica works if you work. We have a well trained team and we communicate with each other, we don't just "recruit" people and throw them in there and tell them to start "selling", not at least in my team. We train, we help families, we make money. We have what it takes to give families financial freedom.

AL,  Dallas

  Posted at 9:54am on Wednesday, May 14th, 2008

I just recently had a primerica rep come to my house and i am seriously thinking about trying this out. I have been doing some research and have found way more bad things about primerica than good things, but at the same time i know that in any business it is more likely for a customer or client to remember the bad experiences and tell other people about the bad things than the good ones. I have also heard the expression that it takes ten good things to do for a customer to erase one bad. I also went back and thought about all the times i have been the customer anywhere i go (which is pretty much every day) and realized that the only things that stick out are bad experiences, but it dosent mean that those are bad businesses.
I do realize that if i want to make any money in this business i have to put in a lot of time to learn the products inside and out so that i do not misinform any clients. By the way you have to do that in any job where you deal directly with customers. As far as p... read more »

Marguerite,  Pa

  Posted at 12:20am on Sunday, May 11th, 2008

Matthew, you are the only Primerica Rep on this forum that makes sense. I do agree with what you are saying. There are many Primerica reps that mislead people but there are many Primerica reps that don't. There are ones that do explain what the business is about up front. If you want to do the business then pay your $199 take your test and the money does get reimburst to you later when you qulify. Well, I did Primerica and i did not like the business but I learned a lot and went on to get a job that paid a lot of money because of the exoerience with Primerica. I do not bash the business but it is not for everyone and you can be sucessful in Primerica and without. Good luck to everone with your decision.

Rep Matthew,  Texas

  Posted at 12:27pm on Wednesday, May 7th, 2008

I am definitley in support of this opportunity. I do understand that it is not for everyone. I do know that there are reps out there not approaching people the correct way. You don't just get a phone book and start calling. You don't just put out flyers and expect people to call you back. For those who badger people and call others losers and lazy are wrong(some cases may differ depending on the person). There are plenty of people who make a comfortable living where they are able to enjoy life with their family.

On the other hand Primerica is just offering good products and if you choose, a great opportunity for you to WORK HARD and have fun building your business. People need to understand when they submit payments for training, it's exactly that. FOR TRAINING. You have to pass exams to be licensed BY THE STATE! It is also reimbursed (without "qualifications") And to be successful you need not just a General License (Life), but Property and Casualty (Personal Lines), you n... read more »

Pam,  New York

  Posted at 7:34pm on Wednesday, April 23rd, 2008

This is for Pete.....You can get a part time job anywhere. You will not make any money for awhile at primerica and when you are there for a few months they will get on your case if you are not building a team and makeing your quotas. So your best bet is to get a part time job if your are looking for extra income. If you want to build your own business then Primerica is the opportunity for you.

Pete,  IL

  Posted at 2:15pm on Monday, April 21st, 2008

I am 23 and just starting with Primerica. My main interest in this business was primarily to help people, but I finally decided to do it because of the part time opportunity. I work another job that brings me good income and wasn't planning on quitting... which means I don't necessarily NEED the Primerica job. With all that I have read about this company, that it takes work and recruitment to make it, all I am really wondering is if it is worth it as a part time job? If I don't plan on moving up in the company and working my butt off or need the income, might it still be feasible to me?

Used,  Bridgeport, Ct

  Posted at 2:01pm on Monday, April 21st, 2008

I had changed my mind about taking the class after I wrote them a check. I was told to send a letter stating I did not wan to participate (one day later I wrote this letter) Three days later I was told it will not be processed don't worry about it. a month later, I had insufficient funds fee charged to my account. They had cashed the check. They told me they would return my $99.00 along with any fees or charges I had incurred due to their error. Two months later I got my $99.oo back. It's now 5 months later and I am still waiting on the rest of my refund. Just getting the initial $99.00 back was the worst experience. I wouldn't even look in their direction. It's all about the money for them and nothing else.

John,  Silver Spring, MD

  Posted at 11:03am on Friday, April 18th, 2008

I've been in Primerica now for over a year. I agree with a lot of what is being said on both sides of the fence here. I have a sizable team, make decent money with it, and overall am very happy. People who say its a pyramid should really do their homework about corporate America in general. You can make decent money in Primerica as a personal producer, if you want to work like a dog the rest of your life, and some people do.

Recruiting is a skill, and its not easily taught to most people. I will say that the people I know in the business who are pretty successful don't recruit just anyone. They make sure the person has a decent warm market to talk to, and bend over backwards to field train their new recruits. They don't overtap their market, they wait until the recruit is licensed to write the majority of their business.

To me this business is about helping people, both reps and clients. Your expectations going in have to be realistic. I am very clear with my recruits, "... read more »

Shawn,  Phoenix

  Posted at 10:36pm on Thursday, April 17th, 2008

Some people in these posts seem to think failing at this Primerica venture and being lazy go hand in hand. Then there some that take it a step further and say the "lazy" people that fail at this but yet still dream of owning their business will fail at any venture because they are still "lazy". Let me put it in my point of view. Selling insurance is BORING. Failing at something this BORING doesnt mean failure at owning a record store or a sporting goods store or any other business they choose to start. Whats good for the goose isnt always good for the gander.

Sam,  New York

  Posted at 7:13am on Wednesday, April 16th, 2008

You never get to lay back an enjoy your money....You say that you work your butt off for 5 or 6 years and you reep the bennifits, well for one thing I know more people that do not make it then people who do. And the people that do can not then lay back and do nothing once their buisiness is built. I've seen it many times..... I saw a business from 500 hundred thousand go down to 200 hundred thousand in less then 2 years and still dropping. Beacuse of that same reason, they think they can relax once it is built. You have to work you butt off for the rest of your life in primerica to keep your business going. And thats ok but don't say that you can lay back and do nothing. It is like that is any business....I think Primerica wants to think they are different. We all have jobs that we work our butt off and we can't relax once we are making 100 or 200 hundred thousand dollars. We still have to make our quota's and work even harder. So hopfully I helped some people out there to understand t... read more »

Shawn,  Connecticut

  Posted at 5:01pm on Tuesday, April 15th, 2008

What really makes a pyramid? Every job we take upon ourselves is a pyramid. McDonalds, Burgerking, Etc, Etc. You have employees that flip burgers, then you have the managers. Then you have the store owners. Does the store owner work? No, He or she is sitting at the top of the pyramid watching everyone work for them making money. While they sit back and sip their frosty cold ones.

Every job you ever work is built this way.

and yes, you have to put in hard work in order to succede. If you just sit back, how can you accomplish anything?

Not every program is suitable for the person. So don't sit here doggin people on their choices. Yes we make bad ones, and good ones. But it is you who can make the difference in your own life.

Yes Primerica has helped my family in more ways than one. Their rates are also very Decent compared to other A+ insurance companys.

One last thing to point out. if you have a 401k through merrill lynch, Fidelity, etc. How is Primerica ... read more »

MR,  LC, Louisiana

Posted at 10:18pm on Monday, April 14th, 2008

I'm reading a lot of opinions on what Primerica does or doesn't do for the Reps. For me it's not really about that. I make enough money on my job to be content. But one thing I've noticed is that most of my friends don't really have a good understanding of how to manage their money...or how they should manage their money. Primerica AT LEAST educates people about money.

Any successful business should be able to target a need. This is a relationship based business. You don't sell a thing to anyone until you know what their need is. Personally I'd rather walk away from a deal with no money and a person who can trust me than with a pocket full and a sworn enemy five years later. As far as I can see with my "upline," there is honesty, character, and a genuine desire to help people. As long as I can show those qualities in this business, I'm ok with that.

R.D,  Washington

Posted at 4:17pm on Friday, April 11th, 2008

Yes Primerica is a pyramid but thats how you make money after 3-6 years of hard work and just lay back and enjoy!!! U tell me where you can work that will give you a chance to built a pyramid of your own?? You think your company will? If you're working at a company, you are the lowest of their pyramid with out being given a chance to built your own pyramid. Primerica gives you an opportunity to built your own business without risking hundreds of thousands of dollars. YOu got the company to back you up. So of course not every business succeed usually bc of poor mangement. Same as Primerica, if you're licensed and not making money, it's bc you're lack of work or your business requiremtns are not meeting the company's expectations.

N.S.B,  Canada

  Posted at 3:51pm on Friday, April 11th, 2008

I used to work in a warehouse for 6 years. I know I was never going to make it over $50,000 a year if I don't have whatever the degree that the boss has. I gave Primerica a try. I've been in it for 15 years making over $250,000. I could retire if I wanted to but I still want to play the field bc I feel its very necessary to give others the same dream come true feeling. My friends are still working in the same warehouse making a little more but with inflation rate each year, they are still struggling with money every month. I worked a little harder for 5 years and it paid off. They work hard for 15 years and got nothing and will continue to work till the day they die. Primerica is my pride & definitly a dream come true! Stick with it till the end and you won't even realize where the money is coming from. The system works only if you put your heart in it. Whoever said Primerica is scam needs their head slapped bc where is the proof????? We would of been shut down long time ago if one fam... read more »

Y.T,  Miami, FL

  Posted at 12:18pm on Tuesday, April 1st, 2008

I think Primerica is awesome! It gives you the opportunity to take over your life and your time. Of course, it takes hard work to become successful but as far as I'm concern that's how life is; if you want to be successful in life you have to work you butt off!

The difference between Primerica and other jobs is that in Primerica you work your butt off the first few years to build you team but it pays off while in other jobs you work you butt off for years and years, maybe even your entire life and you still may not have the life you always wanted. We all have dreams and Primerica offers people the opportunity to reach their dreams! With Primerica you can have a business of your own and make as much money as you want, plus you get the freedom you won't get anywhere else.

I read a comment saying that people don't know that they have to get licensed in order to make money and start your Primerica business. That's a lie because I have seen the business presentation about 5-6 times ... read more »

PINGAL SHINLU,  NJ

  Posted at 1:48pm on Monday, March 31st, 2008

primerica it is a pyramid. just like mona vie, mary kay, all that stuff.

P. King,  Location unknown

  Posted at 9:24pm on Thursday, March 13th, 2008

James....I agree with some of the things you say but recruiting is a skill most people don't have. You have to posess a certain personality and work your butt off. Recruiting is an everyday job...... You need a least 5 to 10 names at the end of each day, and then you have to call them and sell them the opportunity to come down to a meeting. Well, I did it for many, many years and hired many, many people. But on thing, most people quit and you are then back to square one. Good luck with Primerica....It seems that you like it but it isn't for everyone.

James,  California

  Posted at 6:36pm on Thursday, March 13th, 2008

This is so funny to me. I happen to be a primerica rep and i'll tell you the truth.

1. If you only care about how much of an override your upline makes from your work, you'll never make any money, because that's all you care about. So the best advice I can give you is to worry about yourself and your own family's needs then you will do what you have to do to be successful. But only when you decide that you and your family deserve it. The key is to learn how to be independent.

2. You can look on the internet about companies like amway and see way more negative things about their company from credible sources, so with that being said Primerica is doing things right and they are not out to screw people.

3. Recruiting is not a bad thing. Yes some people have had bad experiences and for that I cannot apologize enough for those people, but It's not my fault that some people choose not to study their craft and be a professional. Obviously these people came into the business with the... read more »

Lynn,  Pa

  Posted at 4:08pm on Tuesday, March 11th, 2008

Oh my God.....I use to say the same things when I was with Primerica....Colleges recruit, the army recruits why not Primerica. That is what they teach you in the weekly meetings. And talking about companies making a profit off you.....Primerica makes a profit off you too. Look at your upline....So please do your math and get you head out of the clouds. Your grasping at straws to make a point that no one wants to hear. Please research before you get involved. Primerica has a large drop out rate. The ones that make it are far and few between and in about a year or so most of the people on this site defending Primerica are going to say the same things " stay away and BEWARE"!!!!.

BP,  Louisiana

  Posted at 11:05pm on Saturday, March 8th, 2008

Show me any company thats growing and Ill show you a company that is recruiting. Colleges recruit for sports, the army recruits to get stronger, hell colleges even recruit to sell you the american dream which is go to school, get a good education and get out and get a good job. Well on a job its cool if you like to be an expense for the company which mind you the companies are in business to make a profit and keep expenses low, do the math Primerica for Life

Josh Andrews,  Connecticut

  Posted at 2:17am on Saturday, March 8th, 2008

This is what they do. They will get you to get your friends and family to let them in the house and try to sell to them. They do this because even if you don't work out...it more business for them. If you do work out, its all recommendations. Your selling life insurance basically. I left a great television company to make hundreds of thousands like they say you will. since then left primerica and went back to the television company and happier then ever. They sell you a dream. if you have time to dream give it a shot. i needed money and i wanted to depend on myself to make it. with primerica you need others to buy what your selling to make one red penny. good luck....i'm done

Keven,  Pa

  Posted at 6:30am on Thursday, February 28th, 2008

Its so funny to read the last response.....They always say that your lazy if you decide to quit Primerica. And also when you talk about the business the main focus is not about helping the american family out of debt, its about recruiting your but off and if you don't do that then you don't grow your business and you don't make money. Hiring people is a difficult job, because selling the dream with the business is not what most people want especially when you don't get a salary and is an all commission opportunity. People have families to support and it takes a while to get your first check. So calling people lazy if they quit makes some Primericans feel better about their choice to stay. But they will soon find out when they get into debt and dont get a pay check for a month or so that they will be making a choice to quit and then someone from Primerica will call them lazy too. See, I have been there and done that so I know where this person is coming from and I feel sorry for him....... read more »

Rick,  Toledo

  Posted at 1:05pm on Wednesday, February 27th, 2008

I am just like everyone else when it comes to " wanting The American Dream". I am a Primerica rep and love it because I know what we can really do for families. Like it has been said "Primerica is not for everyone." It is not because EVERYONE of those people who tried and failed are lazy. Being a business owner is just not their knich. Their are those who can fight through with blood, sweat, and tears no matter what comes at them they can get through and then their are those who have a limit and can't go any further. It is just their personalities. I don't bash anyone who has givin it THEIR ALL and tried to build a business and couldn't. I am sorry it didn't work out. To those who don't REALLY KNOW how the business works and has not tried to understand the company and done the research...I feel sorry for you. Until you get into the "guts" of the company and FOR SURE know what we try to do for families all over; you are just wasting your breath. Even if it doesn't work for me... read more »

Steve K,  Pa

  Posted at 6:34am on Thursday, February 21st, 2008

I agree with Sally and I understand what R.A is talking about.....Sally isnt saying that Primerica is a bad business, all she is saying is that it isnt for most people and she is giving some information to people before they get involved with the business. And R.A. is just defending Primerica because it some how works for him. I do get both their points and see both sides....

I do know a least 3 people that got involved and they didnt know that it was a commission opportunty and that you had to recuit people into the business to really make money. The people that hired them didnt explain to them the logistics first. Well, I am glad the information is here for both sides for people to make their own choice to join or not. There may be someone that likes the business and succeeds and they may like sales and recuiting and its something they may be able to do. There are people that are like that and that is why Primerica has some people that make it to the top and make a lot of money. T... read more »

R.A.,  FLA

Posted at 9:47am on Wednesday, February 20th, 2008

Sally, first of all, not everyone feels like you do about Primerica. If you would read all the entries, you would see that there are many positive things said about Primerica. And as for the snide remark about making it to RVP, it has nothing to do with honor, but it has everything to do with lifestyle I can provide for my family and friends as well as have the peace of mind that I did it without screwing over my Clients, who, by the way, have become my friends if they were not already.

How many other agents from competing firms can honestly say that?

God luck in Corporate America. Now THAT'S a real Honor!

Sally,  Location unknown

  Posted at 5:56am on Wednesday, February 20th, 2008

R.A....I am not going to have to defend myself because we can go on forever. I wish you luck in your business and maybe we will see you on this page feeling the same way we all feel or you may of made it to RVP. Wow!! What an honor.

R.A,  FLA

Posted at 11:00pm on Tuesday, February 19th, 2008

Sally, I have been with this Primerica for a couple of years, and yes, there are times I get frustrated. But tell me, who does not? Name me a J.O.B. that you have been at that does not frustrate you?

By the way, (and I am not sure where you are getting your numbers, but I will play) I was merely mentioning that the 15 people you said would join the business and then most quit, those are the ones who are lazy! They never get licensed, they never put the effort to learn the business, they quit going to training and they expect to get paid right when they join?? Then after they realize that they need a license in order to get paid, they quit and go out and spread bogus information about how Primerica Scammed them when in the end, it was those individuals that scammed themselves because they don't want to put the work necessary to be successful and then want to put blame on everyone else but the man/woman in the mirror.

The one thing I really love about Primerica is that it will ma... read more »

Sally,  n/a

  Posted at 8:30pm on Tuesday, February 19th, 2008

This is for R.A....Obviously you have not been in the business long enough. You will see in about a couple of years how this business wears on you. And when I said about that it has nothing to do about being lazy, I mean the people that work hard that recuit people in the business that quit before they begin. It is a visious circle and is hard to keep up with. Those people ar not lazy.... You know the odds.....You hire 50 people, 20 like the business, 15 join, 8 will try the business for a couple of weeks and 4 will stay for awhile and maybe 2 will work the business( and thats maybe)!!Take you blind fold off and see the business for what it is. You are probably not a high earner which very little are. So I hope you get some knowledge from this...Good luck!!

R.A.,  FLA

  Posted at 3:51pm on Tuesday, February 19th, 2008

Sally, this business is not for everyone, just like not everyone can be a U.S. Marine.

You say that it’s not about people being lazy, and then you say the very same people you do hire quit. Wow, it sounds to me like they were being LAZY, or they did not want to do the work required to build a successful business. These are the very same people who "dream" about "owning a business", and no matter what business they did, they would likely fail because they did not want to do the work necessary, which brings us back to them being LAZY! To those people, they will always be employees and rent their lives away.

The funny thing about life is that everyone wants to go to Heaven, but no one wants to die to get there. The same holds true with Primerica. Everyone wants to be financially secure, rich, earn residual income.....but only those that put in the work and time get there. I would rather work extra hours for 5 years so I can have the rest of my life to enjoy with my kids and family... read more »

Sally,  N/A

  Posted at 10:46am on Tuesday, February 19th, 2008

To the person who just wrote the last review....Well did you read the reviews and what people said? It is not about being lazy, it is about the people you hire and the willingness of how successful they want to be. Most people you hire quit the business and since this business is about recuiting then thats where the buck stops. If you don't recruit and you do everything yourself you will not make a lot of money and be financialy sercure. The business does have a great concept but very little people make it. And also most insurance compaies do pay out when someone dies so don't think that Primerica is the only company that does that. Please don't be defensive, we are just warning people that this business may not be for them and just be aware before youjoin or get to deep into it.

Craig,  Dallas

  Posted at 3:37am on Tuesday, February 19th, 2008

No this is not a job. And no it is not for everyone. If you are lazy and do not want to do any work, then you will fail, but if you are willing to put in long hours for 5 years or so, then you will never have to work another day in your life. Primerica does do the right thing for people, my grandfather died and A.L. Williams paid the death claim, when the Army "lost" any record that he had been in the army. I am sorry to those that have had a bed rep come to give a presentation, but just like in every company there are those that just suck at it. But we give everyone that is willing to work an oppertunity.

BeenThereDoneThat,  US

  Posted at 3:12pm on Thursday, February 14th, 2008

I was a Primerica rep. I had all of my licenses. Folks ... Primerica is a cult! Please take a moment to think beyond the "rah rah", and look around you. Those who make it to RVP and above have to leave their souls at the door. Don't for a minute think you can get to the top and retain your integrity or get there without stepping on the backs of those under you. It just does not happen.

Frank,  Allentown

  Posted at 7:46am on Monday, February 11th, 2008

My husband joined Primerca a few years ago. All I have to say is BE AWARE.....He worked night and day and weekends and all that happened is we got into tremendous debt. The guy who said you have to work to make it work. That is not true.....Many people work hard in that business....it's not them it is the people they hire. This business is all about recruiting, recruiting, recruiting. You can hire 100 people and only 20 may like the business and join and then out of the 20 maybe 7 will stay and maybe 3 will do the business. What kind of odds is that?? And after a few weeks 2 of the 3 will leave. It is a vicious circle and very hard to keep up with, especially when you have bills to pay and no money coming in. We are out of the business now and my husband got a great job somewhere else. It's funny because what he makes at his new job he would be one of the top earners at Primerica today in his division. Well, we are glad we made the change but BE AWARE!!!

AS,  Orlando

  Posted at 6:20pm on Thursday, February 7th, 2008

I am not a member of Primerica -- but I work for the Ritz Carlton, Orlando. This week I saw 2000 Primerica Reps walk in the door of the Ritz/JW, and 2000 more coming tomorrow. Most are staying in suites... All I have to say, is someone is doing something right....

Janderie L.,  Los Angeles

  Posted at 7:58pm on Thursday, January 10th, 2008

Well I think this company is the best out there. My mother is an RVP making $250,000 a year. My uncle is also an RVP making $500,000 a year. With less than 10 years in the company. Our family has been on many company trips.For a trip we just won.Our family is leaving to Orlando in Feb. They take good care of us. All those people out there trying to give this great company a bad name shame on you. You know dam well the only reason it didn't work for you is because you didn't work. So stop talking all your crap so you don't look like the lazy ass that you are. Don't blame the company because you didn't do anything.Yeah it takes alot of work. Yeah this company isn't for everyone. Like flipping burgers, and being broke for the rest of our lives isn't for my family. This company gave us the opportunity to make a better life for ourselves and we are so thankful to them. I just joined a month ago got my 1st promotion because I GOT TO WORK.I'm working on the next one. So I am ready to make thi... read more »

greg,  detroit

  Posted at 2:21pm on Tuesday, January 8th, 2008

I was recruited by A. L. Williams about 20 years ago. All the things people say that they used tell you were true. It took me 3 months to get away from them and have them stop taking money g=from my bank account. I finally told the vp that I was a policeman at the time and his days of walking were coming to an end. I had two kids child support and other things and I didn't like the program anymore. I didn't have time to rah rah and recruit I had hockey baseball basketball, volleyball with my kids and I, also, coached. My kids were more important than them. The vp finally stopped the withdrawals. It wasn't that much and my job was more important than the money.

I am looking at again and I am not hearing, recruit recruit recruit,,, yet my wife is getting into it. But she will be only a low level sales=women. So we won't make a lot of money immediately. But you never know. As far as a pymarid what business isn't. Selling cars,floor person, manager, general manager, credit... read more »

Ivan,  A town

Posted at 11:28am on Tuesday, January 8th, 2008

Primerica,
I was called as "reference" to one of my friends, they asked me about him and about a really important job position. They asked about his background etc. When before the conv ended they asked if i could attend a meeting that he was going to present some stuff and he needed some practice and if i could assist by watching. I said sure, as i sat through the presentation it was no longer something to watch for, it was a recruition to get me involved selling Primerica, their whole presentation was based on emphasizing how to help people be debt free, and achieve financial security. they mentioned some services in one slide about selling insurance, but the rest was "HELPING FAMILIES BE DEBT FREE" well how does that come about? when you're in debt, you owe somebody money right? well how does the debt go away unless you pay the interest rate? does Primerica take the debt over for a lower interest rate, and invest your money?? it wasn't explained into fine detail, so when do they e... read more »

Julie,  Location unknown

  Posted at 4:52pm on Monday, January 7th, 2008

Primerica is a great opportunity. I've been with the company for years. I get sto stay @ home with my kids and still support them and more. I LOVE PRIMERICA>>>>THANK U SOOO MUCH

Rick Worth,  Chicago

  Posted at 1:18pm on Friday, December 21st, 2007

Primerica does NOT work for 5 reasons:
1) People don't have enough money.
2) Too much competition from similar companies.
3) People do not like to be solicited.
4) People do not believe in self-employment.
5) Primerica premiums and fees are too high.

I worked the phone for 5 months calling hundreds and hundreds of people. Only 20 people showed up to the regional office. The regional VP could not recruit even one person. Not one! Then I tried fliers- hundreds and hundreds of them- even in front of the unemployment office.
Not one person joined, not one person even showed up at the office. MULTIPLE-LEVEL MARKETING DOES NOT WORK !!!

Brooklyn,  Location unknown

  Posted at 5:14pm on Sunday, December 9th, 2007

Moronic...I just had a visit from a recruiter and he was not forthcoming at all. he beat around the bush with my questions, and he put emphasis on the few material things I want in life... and not the job. I don't think he liked the term "Job" he said think of it as an 'opportunity.' What a bunch of crock. If he was honest with me and just said "we sell insurance" and what have you, then maybe I would have thought about it. But, my instincts tells me not to. So, I am not.

prisuperstar,  Location unknown

  Posted at 2:31pm on Saturday, December 8th, 2007

who said money falls on trees...look!!!!! we need people flipping burgers. money is not intended for everyone. if your tired of your lifestyle, well here jus another one of those opportunities that most people never ever get..500 dollar a month income means 500 dollar problems. 1,000,000 dollar a year income means 1,000,000 dollars problems. now really ask yourself what in the hell do you want. |Primerica is great for only the great people that are always left behind in society.. ten thumbs up.

Des,  Location unknown

  Posted at 4:18pm on Tuesday, November 20th, 2007

Not everything is for anyone...I'll tell you something I didn't like. Everyone is entitled to engage in whichever business opportunity feels right to them. If this particular business opportunity doesn't feel right to me does that mean I'm wrong? I know I would be miserable in sales, definitely not beneficial to a team because sales just do not interest me. Would you take no for an answer then? Or badger me about being conservative and a non-risk taker? The nerve!

Ben,  Location unknown

  Posted at 11:24am on Wednesday, November 7th, 2007

PRIMERICA WORKS, ONLY IF YOU WORK...I've been with this company since April. I'll admit, I did not do jack crap the first few months. Then I've been doing more and more prospecting to find either business or recruits and this system works. Every job is a pyramid scheme if you really think about it. This one is a business opp that if you put effort into it, you'll get rewarded. The people that I work with are not pushy nor misleading. Some people just get involved with the wrong associate. But it does work and I know this first hand from myself to a few others I've seen be successful because of Primerica. If you are willing to put in the time and energy to be successful, it'll work out great for you. but if you just sit on your but and don't do crap, you'll fail.

Lee Floyd,  Location unknown

  Posted at 1:48pm on Monday, November 5th, 2007

Seemed to much like a pyramid scheme!...I was recently contacted by a Primerica recruiter in north Georgia. I was interviewed and invited to attend a "mandatory" presentation the following day. The entire presentation was about selling a financial plan to your friends and family while trying to recruit them to sell to others, so they can sell and recruit other, etc. They wanted me to write a check for $99 at the end of this presentation which was a reduced amount for the license fee (regular cost $439 for GA). They kept stressing the fact that if you qualified for reimbursement that training was free. No one would tell me the upfront cost for training they just kept saying that if you qualify for reimbursement training is free. After the presentation I found out, by listening to the various recruiters, that at least 15 of the 30 people there were Primerica associates. Some of them were presented at this meeting as customers who are now successful after Primerica created a financial pla... read more »

Jorge,  Location unknown

  Posted at 2:12pm on Monday, October 29th, 2007

I was doubtful of what Primerica was offering to me and my family. I decided to give it a try and then make my decision, as soon as i went out on appointments and helped out a couple a people in speeding up their mortgage, helped them make a plan to eliminate their debt in only 6 years not 16...and a couple investment changes were their investments were earning 6 percent now they earn an average of 13 percent...it was pretty exciting for me...I took my state test and passed it and a couple months later I ended up quitting my job because the opportunity Primerica gave me was paying me much more money and I'm working less...its a great opportunity people get scared and think its a scam but we do good things for people...this type of work is just different to what we are all conditioned to.. This business is different but its your business that your building...

Tom,  Location unknown

  Posted at 4:38pm on Sunday, October 7th, 2007

Primerica Business Opportunity Review...I don't fully support the Primerica model but there's nothing wrong with their financial products. Also people should know that the $200 you pay doesn't go to Primerica, it's for the cost of the exams and materials needed to get certified for financial sales. People just need to make sure that this opportunity is right for them before wasting their time. Primerica's not a traditional company for sure but it can be profitable, it helps if you have contacts that you can sell to right away since this is a for commissions gig.