Primerica Reviews

Andrew Mason,  Phoenix, Az

  Posted at 10:01pm on Thursday, July 2nd, 2009

CPA lady your comments only show your ignorance. You have no idea what you are talking about when it comes to companies like Primerica.

The scam with Primerica is how they misrepresent how hard it's going to be to get started in their business. Selling to individuals, especially if you have no experience or education on the subject, is almost impossible. Even if you're an expert in your field, it can be impossible or very difficult.

Thus, it's easy to understand their sales pitch. They recruit anyone that has a pulse knowing ahead of time that 95 percent of recruits are not going to pan out. Then they pressure you to sell to your family, friends, etc. You have to put up all of the costs because they aren't going to invest anything in you because you're probably one of the 95 percent that won't pan out.

But more to the point. STAY AWAY from companies that require you to sell to your friends and families. STAY AWAY from companies that are constantly hiring. If you visit their we... read more »

Susan,  ohio

  Posted at 8:23pm on Wednesday, July 1st, 2009

my comment is this. for those of you who think this is a scam. Tell me 10 questions i should ask a primerica rep. i have a friend getting involved and believe it is a scam but how can you prove it? what questions can be asked? i would love to bust them.

anonymous,  ontario Canada

  Posted at 11:16pm on Tuesday, June 30th, 2009

me and my wife were approached by a mutual friend who was just starting out in the primerica sales. i too was told very little about the meeting to come later on in the week. i found the people there very happy and kind of fake in the way they came off. im a person very protective of my money and very leery on new proposed products that will save me alot of money. ive been screwed before and i do my research on these companies now.

i was curious in what they had to offer and agreed to a financial needs analysis. my friend and his trainer showed up she was very friendly at first but when i started questioning there FABULOUS products she would ignore my question and try to confund me with more information making me feel like i had to sign something right away ive learned the hard way on that. afer reviewing the FNA the numbers never made sense. she was more concerned about if i was interested in helping other families than explaining how she had got her numbers. i figured she had no ... read more »

Cindy,  MA

  Posted at 4:07pm on Sunday, June 28th, 2009

Primerica is the largest finacial marketing firm in North America. FINANCIAL MARKETING...which means Primerica offers solutions for their clients by using different companies in the best interest of clients needs. in regards to "job scam"...for those of you that commented against, you clearly have only had low level positions or lack of opportunities in your life. There's no "scam". This is an independant business opportunity. Check the IRS tax regs. IBAs do exist. If it was a scam, would there be exisitng tax regs for operating this type of business?

The insurance industry has three classifications of insurance reps, where Primerica reps are defined by the insurance industry. Still a scam? Its a scam for those of you that don't believe in the power of yourselves or what your full potential could be.

Every business is a pyramid...it just depends on what level you are on. The CEO of the company you work for is making money off of your hard work and sweat, while you break... read more »

Primerica=Scam,  Pasadena, TX

  Posted at 1:14am on Saturday, June 27th, 2009

READ ME!!! READ ME!!!! READ ME!!!! READ ME!!!!!!!!
!!!BEFORE YOU GET SUCKED INTO THIS SCAM!!!!!!!!!!

First off, I already have a job working as a nurse. On my lunch break, I decided to go to Target and look around. While there, I was approached by a lady by the name of "Abbey" (I will never know if that is her real name). She began to make small talk with me. After a minute or so, I began to walk away (after all, I am usually not the type to talk to strangers). "Abbey", however, was intent on keeping the conversation going. She asked me if I worked around the area and whether I was in the medical field (yes, I was wearing my scrubs... Hint Hint). I told her yes. She then proceeded to ask if I had ever considered getting a part time job.

Now, in all of my years of working, never had I been offered a job totally out of the blue, by a stranger who knew nothing about my credentials, and especially while at a store. Out of curiosity, I decided to go ahead and let her make her pitch ... read more »

MoGirl,  Vancouver

  Posted at 9:44pm on Friday, June 26th, 2009

Anyone who says Primerica is a scam has no idea what they are talking about if you want to know anything for sure check the better business bureau or other reputable sources. These are all opinions from people who are uneducated and have not done the proper research. This is a free country so you can say what ever you want but that doesn't make it right to slander a company that not only has some of the highest rated financial services products available but they also pride themselves on doing what's right for their clients unlike many other companies out there who are now in financial trouble themselves for doing so.

Tony,  NC

  Posted at 3:51pm on Friday, June 26th, 2009

Total scam, I may not be a CPA like some others but I can ID a scam when I see it. If you want to see for yourself attend one of their evening group meetings. The overall concept seems good but I will soon turn to a sham. They will get you to call on all of your family and friends to sell them insurance. If you are license you will get paid, if not your upline will get YOUR commission on your friends and family. They will push you to do this BEFORE you are able to get your license. Thereby drying up YOUR market to the benefit of only your upline. Main focus is on recruiting new agents, training is poor and products are below average. Rates on the insurance are higher that all other companies I have received quotes from, they will tell you their insurance is the best "value" but they are aware it is overpriced. Check it out for yourself but keep your money in your pocket (if you are smart). Good luck if you fall into their trap, they talk a good game. Just remember if is smel... read more »

BreAnna Porter,  Washington

Posted at 10:55am on Thursday, June 25th, 2009

As I have no experience officially with the company, I am not going to rate it one way or the other, I can however, offer some insight hopefully and my take on some of the information/opinions provided.

There are several points which I would like to address. First, the MLM aspect vs. a real 'job'. Second, the requirement to pay the 99 to become licensed, and lastly, the good/bad reps.

To begin with I feel that I should atleast tell you who I am, and why the information/opinions i provide might be of some use. I have a bachelor's and Master's degree in Accounting, I am a licensed CPA. I have worked for the most prestigious International CPA firm to date. I have enough education in finance that if I choose to sit for my financial planner license I could. If anything else, I am educated from an accredited institution on how the financial markets work and the different types of business and how they operate. I believe that for myself, I have a reasonable ability to objectivity evalua... read more »

Daniel,  USA

  Posted at 3:01am on Tuesday, June 23rd, 2009

The feedback here is alarming - I noticed a number of those in favor of Primemerica used an interesting acronym for JOB. Sounds like something picked up at one of the recruiting events. The consistency with which that acronym appears concerns me. The very reason I looked into the reviews for this company is my gut feeling told me to run "if it appears to be too good to be true, it probably is" So I am going to take the conservative route and look at different vehicles for my investment and term insurance. Thank you all for your feedback

teya,  new york

  Posted at 4:46pm on Monday, June 22nd, 2009

i have heard some really good things about the company but over al i am not sure that i is so good iam supposed to go to a convention tomorrow the crazy thing is that my boss introduced me to it and i've heard about it many times before but never got in to it.Now i am not so sure i want to after hearing the stories of them tearing famililies and friends apart.I am a jehovahs witness and would never dream of putting a strain on my life nor that of my family and friends i believe we must all answer for something i just don't want to tare apart bonds of love.I am sure that both the bashers and the lovers can agree on one thing that money might be important for the minute but family and friendships last forever.

Bob,  Boston

  Posted at 11:05am on Monday, June 22nd, 2009

The bottom line is that Primerica is a recruiting scheme, nothing more. They are known to take anyone as long as you have a pulse and the $99 to pay for their "start up kit".

The main focus, especially at these "Amway Type" meetings and regional conferences is to get as many people on board as possible. Reason being is that for those that successfully get a recruit to sign up, pass the securities/insurance tests and make a sale, they as uplines get a cut of the action.

Unrealistic expectations are made about how much people can make. No question there are some that do well but they are definitely in the minority. Most will not do well and as a matter of fact may end up losing money not to mention the many bridges some of these recruits will burn from selling overpriced garbage to family and friends who are usually the first "clients" of these PFS robots.

Disgruntled,  Indiana

  Posted at 12:47pm on Thursday, June 18th, 2009

I was lured into this company about a year ago by an RVP out of Kokomo Indiana. I am a college student studying Financial Analysis and Mathematics. At first the company seemed like a great way to earn extra money and gain experience in the financial world. I signed up took the state insurance exam and passed with ease. During the entire extent of my involvement with the company I was urged to recruit, recruit, recruit which I did. After my first FNA I came to the realization of what kind of company this was. I wasted my time and money trying to recruit and sell their products which are way over priced and not competitive in the marketplace. I did not adhere to my RVPs advice that everyone needs our help, because they in fact do not. A 26 year old single man with no kids does not need life insurance, and a couple with a mortgage at 5%, a couple credit cards, and a near mature auto loan does not need to consolidate their debts at a higher interest rate. There is no compensation ... read more »

Rudy,  Sacramento

  Posted at 2:24pm on Tuesday, June 16th, 2009

sorry forgot the most important part i have lost many of friends to Primerica once you're in forget about seeing or having time for any of your family or friends and all the trips yo have to make it's a business and in the end as in every business only a few people are really making real money! I know a lot of people in Primerica some are successful and others wind up broke and with no family or friends cause yo spend 80% of your time with Primerica people and 100% of you time selling products to your family and friends and we all know where that leads

Rudy,  Sacramento

Posted at 2:18pm on Tuesday, June 16th, 2009

If you know anything at all then where did Primerica start and why? It was A.L. Williams prior to Primerica. A.L. Williams was a pyramid and had no real products and was shut down by the Government hence pops up as Primerica all that changed was they created a real product but one thing for sure is you make of it what you make of it! In everyday jobs the same is true you make what you make of it good or bad!

Charlotte,  NC

  Posted at 3:16pm on Thursday, June 11th, 2009

Its a MLM SCAM full of false promises and misleading statements. The big operation in Charlotte, NC goes by Roussis International and is a joke, the office looks like a fly by night organization ready to pack it in at any minute and head out of town. The products offered are below average at best. The mortgage product is a joke and the insurance is over priced. They try to sell you on monthly savings by consolidating all of your debt into one payment monthly payment (your mortgage). Not bad if you never plan on getting a new car or buying anything again and like having credit cards and autos secured by your home. Most financial EXPERTS advise against tying unsecured debts to your home. They say they will save you thousands in interest on your mortgage thru using simple interest with bi-weekly payments. Yes, it works but there are other ways to achieve the same result, without taking on their way above market rate mortgage product and tying all of your debts to your house. Not to m... read more »

Thomas M,  Meridian, MS

  Posted at 7:58am on Thursday, June 11th, 2009

I love the way uninformed people are making their comments on this page. Some of the negative comments are coming from people who are trying to get others to forget about Primerica (where they can become successful), but stir them towards another opportunity which may truly be a scam. No one can be in business since 1977, and be a scam. And if you really think about every job is a pyramid. You have employees who inform their friends about job openings at that place of employment. The employees are overseen by supervisors, who are overseen by upper management, who answer to the head of that particular factory or store, who reports to a district manager, who oversees several plants or stores in his/her district and then reports to a regional manager and so on and so. By having Primerica agents recruiting, the company is able to pay their agents more money because they don't have to pay a human resources department or some hiring agency for hiring their representatives. It is a gre... read more »

dean,  bronx

  Posted at 10:19am on Monday, June 8th, 2009

can someone help me? what does a primerica agent sell to you? his old job? or insurance? he makes more money by selling his old job to you, than he makes selling insurance, so insurance is a bi-product right? its like going into a car dealership and the sales guy asks you to buy a car, then you say no, so he says, "well then do you want my job? to sell cars with me? ..wouldnt that worry anyone?

brian tuttle,  dsm

Posted at 10:07am on Monday, June 8th, 2009

a normal co. is not a pyramid. i started working at an office doing what i went to school for, they didnt however tell me that if i hired a bunch of people to be under me that i would make more than if i just came to work and did my job.. So no, not every company is a pyramid.. ive never been hired somewhere, and my boss tells me that hiring people to be under me is just as important as the job i was hired for... they hired me to produce a product or to support the companies product. not to get people below me to make my boss richer..

Jim,  Ontario

  Posted at 6:43pm on Thursday, June 4th, 2009

I have been invited to an "interview" with Primerica & decided to do a little research. Checked out the web site, looked on BBB & stumbled across this page. i must say it has mostly bad reviews. From hiring "drug addicts & greeters" to harassing phone calls, sometimes years later. I find the "good reviews" even more disturbing. I specially liked Gigi's reply to Elizabeth quote "We don't listen to those individuals, including you, since I bet that you do not have enough money to drop dead." WAY TO PROMOTE THE COMPANY. after reading reviews like this i will, by email, courteously decline the "interview" with a link to this page. I will also be sending an email to Primerica head office with a link as well. Thank you to all the posts(good & bad) here it helped make up my mind. As for you Gigi you must be one of the "drug addicts" they hire, cause you are DEFINITELY NOT a greater.

Eric Jacobs,  Denver, CO

  Posted at 7:25pm on Wednesday, June 3rd, 2009

Primerica is a company that can work well for you if you have every intention in succeeding or it can help you loose money and time.

I was approached by one of the Primerica recruiters and he invited me to one of the meetings that they have twice a week. The presentation was attractive and it gave me the idea that it would be a company worth spending time on. Well I'm not a great sales man to start off with. The main duties for this company is to approach friends and relatives and try to 1.) sell them the product 2.) get them to sign into the program to become another agent like you.

They basically want you to bring at least 1 person to every meeting that is held twice a week! Try to get as many people to sign into your team. From there depending on how many people you sign in you'll be able to move up.

Then you have to go out and approach people outside and try to get them to sign in as well. So it's sort of a strange job. First of all you want to sell them the product but t... read more »

Pete,  Georgia

  Posted at 7:53am on Wednesday, June 3rd, 2009

Telemarketing has approached a new level.
Who thinks up such tactics?
In this economy and job loss time marketing job (career) opportunities or while you're here how about us selling you the following XYZ products.
How about a set of GINSU knives to go with the deal.
I attended a presentation yesterday and the first note I took prior to the presentation was "pyramid scheme."
Yes, you can benefit but, this is not the only insurance, mutual fund, re-fi offering available.
My take is you can become an Div.Mgr if you recruit enough people to create you own empire (0fc, Divison, Region, etc)
BEWARE!!!!!!

Anonymous,  Location unknown

Posted at 2:51pm on Monday, June 1st, 2009

So here is a view from a satisfied customer. My husband is a few years away from retirement and has lost $100,000 in his 401K. My mother has Alzehimers and my uncle and aunt have already past away with this disease. I have $30,000 in life and my husband has $200,000 in life insurance and it is a group policy which means it will only pay off if you are hit by a truck or sick for less than 30 days.

In February we cleaned out the 401K and IRA rather than just sit and watch it go away. We had no clue what we were going to do. It seemed as though Financial Planners only want to talk to people with a million portfolio.

At a Birthday Party for a friend we met the Primerica Agent who has solved so many things for us. A Annuity where our prinicipal is protected. Long Term Care coverage that doesn't break the bank. Life Insurance that actually is worth paying for.

I think Primerica is GREAT. If you do also then join with them to get the word out that there are answers for peopl... read more »

meme,  Houston, TX

  Posted at 12:59pm on Friday, May 29th, 2009

I have gone to many of the overviews and meetings that PFS holds in Houston. I have to say that it sounds like a great company. I have family members that are involved in PFS and it seems like that is all they do and talk about, I have even noticed a change in their character, they dont have the same friends, they have alienated themselves even from family.. like if you dont believe in PFS you are an outcast.. I love all my friends and family and would never turn my back on them because they dont want to join a company, that is ridiculous! PFS does help alot of people! dont get me wrong, but at the same time it really affects your personal life.

IDAMAN,  Idaho

Posted at 11:01pm on Thursday, May 28th, 2009

I read many of the comments. I think both sides are full of crap. The only thing the Anti's talk about is how hard you have to work – just to fail. The Pro's only talk about opportunity and reward. Both sides never talk about the SUBSTANCE!!
What is the product? Has anyone purchased a mortgage and been sorry they did? Did you have a problem with the mortgage and get no support through a foreclosure? Has anyone spoke about outsourcing mortgage customer service overseas? Nope. All this palaver is whether or not this is your gig. How selfish of both sides.
Primerica does term life insurance. Does anyone chat about the great (or deplorable) service they got with their term life policy? NOPE. You Primerica dropouts blame the base for lack of support and you that are giving it the ole college try speak arrogantly of yourself instead of your product. Sick!!
Frankly I have a job and don't give a rats ash if you succeed or fail at sales. Direct selling is a tough gig! I don't ... read more »

Sandy,  Utah

  Posted at 7:11pm on Tuesday, May 26th, 2009

This business does work. It's just a matter of what you put into it. And i find it interesting that all of these people say "oh well they hire drug addicts and greaters from walmart". Ya they do but how long do you think they last? These people have failed at pretty much everything. What makes you think they won't fail at this? And if they don't they deserve this opportunity and in a sense second chance to succeed.

Sarah,  Toronto

Posted at 5:37pm on Tuesday, May 26th, 2009

I'm not rating this company until I've been there long enough to warrant an educated opinion, which, unfortunately, this webpage desperately needs.

I will admit that the recruiting process isn't the most sophisticated, but the process alone seems to weed out the people who are not suited for the line of work. I've worked as an independent contractor before and it follows the same process. They hire a rather large quantity of people, and the ones truly suited for the work stick around and eventually make the big bucks. That's how most commission companies will hire, plain and simple. Out of the 15 people that were at the presentation I attended, only 3 were asked to return the next day. The fine-tuning process began much quicker than other contracting companies I've worked for.

As many other people have said, this company is a pyramid, but not a pyramid scheme. ALL businesses are a pyramid, and associating that word with negative motives or a cult like atmosphere is ignorant and c... read more »

Jake,  UT

  Posted at 5:07pm on Tuesday, May 26th, 2009

I dislike the MLM method. The person who came into my home knew less about the mortgage industry than I did. They were shocked that I didn't have credit card debt, and disappointed that they couldn't beat my mortgage rate. I found it insulting that they don't believe people can make intelligent life choices without an MLM company.

Now they want me to buy life insurance from them. They also push you to get a lot of coverage. Their rates are more expensive. Not the best, not the worst. However, I'm not going to sacrifice my friends to this banter, and they will ask you directly for 15+ referrals.

I got tired of them saying they were helping everybody. I would like to emphasize that this is their job, and they are making money - they aren't in the insurance business because they are gracious and benevolent.

MLM's survive by individuals marketing average products as superb products and selling them at higher than average prices. This is no different.

Anonymous,  Location unknown

  Posted at 5:07pm on Sunday, May 24th, 2009

Primerica is full of manure. Plain and simple.
My sister had a severe hospitalization not long ago, and I called a friend to talk about it. This friend suspiciously told me that my sister should look into purchasing life insurance. For some reason, she kept pushing the suggestion. I ignored it.

A few weeks later, I learned that my spouse was having an affair and I reached out to this friend. She suggested I take a trip with her to take my mind off of things. It was a bus trip with her job, and the cost would be $40 to go. I asked her what we would do at our destination, and she stated that it was a convention. I figured I needed to get away, so I agreed.

On the bus, I learned that all of the other passengers were part of a 'team'. Bizarre, but the weird-o-meter didnt start beeping until the start of the convention. They started by saying that the hardest working Primerica Reps would be awarded. The reps would stand on the stage, state how much theyve made since starting to wo... read more »

Tyler,  Iowa

  Posted at 9:52am on Sunday, May 24th, 2009

I love how these losers say, "I paid $99 dollars but I didn't know what I was getting into." Are you an adult? If you are looking into Primerica, ask yourself two questions. What does this person know about financial services, and would you want their life? Why do so many people take advice from others no better off then they are! Last time I checked, I've never seen anyone wealthy who are in 'the trades' pushing lawnmowers or fixing plumbing. Those that are, OWN the business, and by the way - get an override off of the business they send their employees out to do. Last time I checked when I worked construction, I was getting paid $15 an hour, yet the company was billing $35. Hmmm... that is odd.

The numbers speak for itself. Primerica is DEBT FREE! Worth billions of dollars on the market! Made PROFIT of $511 million dollars last year! I'm guessing all of these negative posters have time now since they got laid off "safe jobs" with these strong companies.

I am about to make six... read more »

Greg B.,  Florida

  Posted at 5:40pm on Thursday, May 21st, 2009

Primerica is not a scam. It has been in business from 1977. It is backed by some of the top financial advisers out there (i.e. Suzy Orman). They started selling term life insurance, and teaching people to invest the difference. When I think of my car insurance I don’t think of it as investment, just protection for what could happen. Life insurance is the same way. Every one is going to die, but to pay for life insurance your “whole life” is just crazy. I won’t even start on Universal life.

Primerica is devoted to doing what is right for their clients 100% of the time. It would appear they do business like they do for two reasons: Save their clients as much money as they can, and pay their agents as best as possible.

Doing research on the subject of refinancing my home I looked for the best deal possible. Now, Primerica was the only company I could find who did a simple interest home loan. I read through my current mortgage and found by the 15th year I would have only... read more »

Jake,  NJ

  Posted at 10:39am on Wednesday, May 20th, 2009

Primerica is for people who've HIT the wall... who have nothing better going on with their lives that this means A LOT to them... they feel happy because they have "support" or whatever but it's still a scam... i mean you have no friends, job sucks and some dude tells you OMFG YOU LIKE MONEY??? LET'S MAKE MONEY!!!!! let'S PLORK!! and they take advantage of naive people with nothing better going on...

they stake out job fairs like vultures to get their claws on them.

Gab,  New Jersey

  Posted at 10:26am on Wednesday, May 20th, 2009

Everyone should read 'Think and Grow Rich' and there is nothing to do with Primerica. But it is about people putting obstacles in their lives. Primerica is only for people that are not only looking for wealth but also personal enrichment.

At the end, it is only excuses for some - because they know in their hearth and mind that they don't deserve what is good in life. Not only about money but feelings - and not about religion but be grateful for what you have.

Primerica is just like exercise or loose weights - we all know that is for own good, but not many believe it and do it.

Do not be a victim of your own life.

Good luck with whatever makes you happy, more for us that we want to WIN for our families.

NATIBATI83,  FLORIDA

  Posted at 1:49pm on Friday, May 15th, 2009

I am about to join primerica in full force.These comments have helped me to see both sides of the equation. For the first couple of yrs i will work with them basically to live and pay for my masters. Then I'll have my regular teaching job and do primerica business on the side. You have to be wise in a company like this because it may work for you or you may fail. I just that you never put all your eggs into one basket and make sure you have a back up plan.

Rebecca,  Massachusetts

  Posted at 9:24pm on Thursday, May 14th, 2009

Now I have no intentions of starting a business with Primerica as I love my job. However, I wanted life insurance. Now since I am married, and own a house this would be a smart thing. Due to my weight(now keep in mind I am not obese), the companies underwriters deemed me as subprime. That alone is not the issue, sub prime is fine, but then to demand that I pay double and refuse to cover my husband since he has asthma is just impossible. I feel you are all given blanket statements to read. good for all of you who got it work, but that many more have tried and failed. If you get stuck with a hard question, you pass it off. Better yet, tell the client that basically you are the only ones able to help and pay out. So...Metlife is what exactly??? Pretty sad when a company will hire walmart greeters and drug addicts. I would rather deal with a full time agent thank you.

stephanie,  az

  Posted at 3:09pm on Tuesday, May 12th, 2009

I started with Primerica about 4 mos ago, I researched and researched and researched some more until I was certain that i had learned every bit of information I could about the company its product etc... after doing so I decided to move forward and obtain my life license and am now studying for my securities license. I have now started to make money and plan to go full force to get to rvp. What I have found is that this company/concept is not for everyone which is the same for any business or job. Not everyone will succeed at every venture or opportunity. Only 3% of the world is what we would consider wealthy those stats are the same in primerica. I go to training every week and 95% of the people at our base shop and many others are part timers who write business as it comes to them and there for dont make much, they ont recruit and there for dont build there own business and dont promote. Majority of people require constant supervision and someone monitoring their work. You do not hav... read more »

Jas,  Brampton

  Posted at 1:20am on Sunday, May 10th, 2009

PRIMERICA IS A RIPP OFF.. BIGGEST SCAM COMPANY OUT THERE. I had a meeting with a agent today from the company, he showed me all these stats/credentials that the company has. I came home to search them up, and found nothing!!!

Anonymous,  texad

  Posted at 10:03pm on Wednesday, May 6th, 2009

here's a good question? if all of these haters are so right about primerica, how much do they get paid for whining so much? my guess is nothing. the fact of the matter is this: anything worth doing will take time and effort. if you're looking for an easy way out then get a job in broadcasting and become a news anchor because being negative takes no effort.

Anonymous,  california

  Posted at 8:37pm on Tuesday, May 5th, 2009

there are more positive messages than negative ones. we win. primerica works and it will stay that way.

Skeptic Art,  West Covina

  Posted at 7:54pm on Thursday, April 30th, 2009

I am about to head out to my first primerica meeting. My ex-co worker told me it is a great opportunity and i am hoping it is. although i dont think with this bad economy, there are many products that will survive. im also looking @ a company called united first financial which helps pay your debt off faster and also offers insurance, so you get the best of both. one thing i do know is that i hate to be pressured into anything. so im hoping this doesnt turn out that way. wish me luck!

dee,  ohio

  Posted at 7:30pm on Saturday, April 25th, 2009

look alot of people dont understand primerica. almost 70 maybe 90 percent will quit before they even give it a chance.as for me i dont give up that easy. giving up is the easiest thing to do but pushing foward is the hardest thing to do. most people spend there whole life just tring stuff. but never finish anything. primerica has changed my life for the better. where in the world do you know of a company that wants you to win??? get promoted?? and have your own buisness?? only people who have a disire to win and your heart takes hold of how you help people. you will win big in primerica i have seen it happen. if you work hard you will be free,free to have time and money and help alot of people on the way. its an awesome place!!! if you have the right people!!! im not worried about the bad talk about the company. its not that primerica didnt work its that they couldnt work primerica. to all you people who stick with it your awesome!!! your gona win!! and see you all at the top!!!!

Anonymous,  St. Louis

  Posted at 2:23am on Wednesday, April 22nd, 2009

Interesting, not one "satisfied customer" review.

isthisforreal,  az

  Posted at 9:42pm on Monday, April 20th, 2009

Look, most people that sign up for the business opportunity are people who have no idea how to build a business. They think that all that they have to do is sign a business application, and give their recruiter $99, and then suddenly all of their friends and family will just be willing to buy life insurance and mutual funds. The reality is that with every kind of business, in every industry, there are going to be a lot of difficult times before there are the glory days of living in mansions and driving exotic cars. The recruiters job is to get the right kinds of individuals into the meetings. The types of individuals who understand how to build a business, or are willing to learn by their own efforts. The advantage that Primerica offers is that the start up cost is much lower than trying to completely fund a start up on your own, which is something that most individuals can't do anyway, and the key is licensing. When you start, your upline or recruiter will push you to begin buil... read more »

Chris,  N.Y

  Posted at 2:49pm on Sunday, April 19th, 2009

I have gone through most of these reviews on Primerica. I have gone to the trainings and will take the exams. To me its a win win situation. You wind up getting licensed and your resume gets a makeover. Now for Primerica, yes it is a pyramid and so is corporate America. Each and every one that is working has someone to report to except the boss and he has to report to his investors. Someone mentioned not understanding why you pay your mortgage twice a month, well if you pay your mortgage twice per month that will eat at your principal faster and eventually you'll pay less over that time of your loan. The meetings are a little hokey but if you have an open mind you can get some very valuable lessons in selling. We are all salesman to some extent. You have to sell yourself in order to get a job, correct? The way I look at it the United States has already gone through the industrial boom. Industry has been outsourced, we need to be able to change with the times and being able to sell some... read more »

annonymous,  nj

  Posted at 4:27am on Friday, April 17th, 2009

wrestling coach of mine got into primerica after he retired from teaching high school business and being varsity wrestling coach. He tried to recruit every wrestler he ever had in his 30 year tenure. After months of trying to convince us all that we would be making serious money, we all found out we were trying to sell the same product to the same people in our town. Primerica is basically a pyramid company, where one or two guys sits on the pot of gold and expects everyone else to keep recruiting new people for ever. you will NEVER be at the top, or even come close... my suggestion, stick to the skilled trades like carpentry or heating and AC, or get ur bachelors in a major other then business and you'll do fine in life. I dont disagree with their retirement and life insurance rates and what they offer consumers, just do not work for them, EVER!!

Kay,  Spring Texas

  Posted at 4:56pm on Wednesday, April 15th, 2009

I just read that the recruiting scam tactics was isolated to a few bad apples. Funny someone just got my name off a job board and called, wouldn't tell me anything about the company just to interview on Thursday at a info meeting. Told me how to dress as if it was a REAL interview, lol and of course threw out that the man I would be meeting makes over 200,000 annually with the company. Sorry..RED FLAG!! If you can't explain to me and can't answer questions and are so desperate that you are finding people off the job boards who have no experience than first off we know its sales! Secondly the deceptive tactics tells me scam!! No way I will go.

Jason,  california

  Posted at 3:53pm on Wednesday, April 8th, 2009

So far I give Primerica a 4. Let me tell you this, I'm smart. I have met with financial advisers for years and none of them are really great. Primerica is actually a pretty good model for our country right now. So what if you approach family and friends? Doesn't EVERY business owner? So what if it's 99 dollars? You are simply paying to get trained to pass your insurance license test. So what if the classes are a little rah rah and corny? Aren't all sales teams? Aren't all companies pyramids? Elite at the top, slaves at the bottom. At least in Primerica if you work hard you will actually be rewarded.

EVERY profession and company has unethical people. But if a Primerica rep walks in your house, honestly asesses your need, recommends legitmate and legal products and walks out of your house with you having more money in your pocket than you started with..than I don't see the problem. Traditional insurance companies MANY times try to rip you off. In my experience with Prim... read more »

John,  Gonzales

  Posted at 9:34pm on Monday, March 30th, 2009

Most of the complaints that I have read about deal with 1. unmet expectations of financial freedom in a certain amount of time and 2. less than respectable treatment from those obsessed with making a good living from selling Primerica. The truth is that Primerica is a pyramid marketing business that mainly sells life insurance. People are trying to go into business for themselves. Like any other business most fail and some succeed. If you aren't sales driven or at least a good motivator then you don't need to give up your job to sell insurance. Primerica offers some sage advice financially and offers some good deals but they are what they are, neither blameless or evil.
I am interested in joining Primerica b/c I agree with most of their financial advice but I am not planning my future around making millions at Primerica. I will use it as a resource to help people out. I will have my real job (or prison as a Primerica motivational speaker called it) and do Primerica on the side. I do s... read more »

C.T,  California

  Posted at 6:01pm on Friday, March 27th, 2009

I myself worked my ass of with Primerica for 4 years and helped get my upline promoted to RVP. (Regional Vice President). Being loyal to him and his upline I went full time and kept going even though there wasn't a lot of money every month ($1200 average) 50 hours a week. 4 meetings a week, a conference call. Wow it consumed our life and they kept telling us to stick it out because we where superstars and soon to be RVP. That was a pile of ..... Once he got promoted he became a different person cause he got his $100k ring..But what they don't tell you is that it's a $100k rolling 12 - expenses and reimbursement. It's really a false dream they are selling and most Primericans have a hidden agenda. As soon as I quit, I suddenly became a bad person, according to them. They told others don't talk to him he's a bad apple.etc.. Be very careful.I left a 6 figure a year job for this opportunity. I understand that I have to take responsibilities for my own action, but a business partne... read more »

James,  Mississippi

  Posted at 1:14pm on Friday, March 27th, 2009

I can't say whether or not you'll actually make any money, but I know things sound suspicious. Many of the techniques I have read about, were used on me. The guy invites me over to the company to see what it is about. He tells me that if I had friends and family back home and told them about it, they would LOVE me. He also mentioned how savings accounts were no good, you should invest in mutual funds. He proceeded to mentioned how mutual funds have gained an average return of 12% over three year periods. Okay, is that geometric or arithmetic, and how does the invidual's return vary from year to year. If you have the option to vary your investment among debt and equity, it stands to reason that everyone won't be getting "12%" and you must be taking some risk doing so. There is no win-win strategy when investing in risky assets. Plus, they mentioned the debt consolidating practice, which I found to be fundamentally flawed. It works out like some grade school homework project. ... read more »

C. J.,  California.

  Posted at 10:57pm on Thursday, March 26th, 2009

Primerica is the best thing that could ever happened to me. I'm about to take the text exam require by the state of California to be able to work with a license #.(everything is legal with Primerica) after reading all those negative comments. In class I learned that is illegal to twist or make negative comments with the intention to harm other companies.
I have being cleaning houses for about 10 yrs, and with Primerica opportunity to help not only myself but others; I won't clean houses any longer.
Offcourse, primerica is only for winners. And i'm one of them......!!!!!!!!!!

Greg,  Location unknown

  Posted at 5:14pm on Wednesday, March 25th, 2009

I'm thinking that the people that have negative comments to say have not given Primerica a chance. It seems like everybody on this board that is positive about Primerica, is in some way involved with the company. If you haven't given it at least a chance please don't assume that it is a 'pyramid scheme' or a 'bad business opportunity'.

Bill,  Evansville, IN

  Posted at 2:25pm on Tuesday, March 17th, 2009

My wife and I were approached by our son about the fact that he had been recruited by a financial advisor company. We advised him to not try to sell the product to friends and family, as this is an avenue for problems. His
"trainer" suggested he line up interviews with friends and family (people he is comfortable with). The "trainer" of course was here to sell us his product. We already had a product through another company and "the trainer" (salesman) told us why it was no good and that the funds we have been investing in "no longer exist". Of course this upset both of us because we need to be secure in our retirement/life insurance product. I looked up our funds online after he left and found they do in fact exist and then contacted our rep from our company and was told that this happens every now and then when Primerica blows through an area trying to recruit hapless and out of work people. Primerica was A.L. Williams years ago. That was enough for me as I know what A.L. Williams ... read more »

RDT,  AZ

  Posted at 1:37pm on Tuesday, March 17th, 2009

I have been approached MANY times over the last 45 years (since I graduated high school) with scams (yes SCAMS) similar to this over the years. Time after time it is the same, "give us money for something that we can't (or won't) quite explain and we will let you sit in on our classes." Of course these "classes" are nothing more than "rah rah our company" meetings that are abominations of college classes for anyone who has taken any financial instruction in college. I can state this because I have an advanced degree in Finance and Marketing. Oh they "help" you get a license to sell THEIR products, of course if you do not pass the state test you lose, not the company since you paid them up front for everything.

Please notice those posting "pro" comments are almost exclusively sales reps (or so they say, maybe they are promoters) for this company. Of course they have every reason to be all for what is going on here, they have invested heavily in the company and are depending on ... read more »

Alicia,  Michigan

  Posted at 3:05pm on Monday, March 9th, 2009

I started my Independent Business Opportunity with Primerica in December 2008. I paid the $99 and $25mth for my own "Primerica Online website". I think it's great and a very positive environment. All you have to do is pass your State "Life Insurance" exam. That's when all the doors open, you have to be licensed first. They provide you with all the tools you need to make sure you pass the exam..ie. online simulator, electronic flash cards and one on one help if you need it. I make $$$. My commission rate increased very fast. Make it work for you.

Dee,  Illinios

  Posted at 11:16am on Friday, March 6th, 2009

I attended a meeting on Tuesday. I have read all the pros and cons for days online. Thursday I went in for my first training and yes I paid the $99 for my insurance license. The people are different everywhere. These people were normal and there was no stress. They give you the tools and opportunities to suceed. I have 2 college degrees in business and cant get to the next level. I have worked my butt off for 15 years and can not get ahead and I am really good at my job. I am sick of working for people who treat you like crap and now with the economy I dont even have job security. I would much rather work my butt off for myself and be around positive encouraging people. I am happy they have alot of meetings because it keeps you positive. At the very least I will have a new experience and in two days I have learned things I was never taught in college. And at the most the sky is the limit and maybe I can actually get paid for the effort I put in.

sattie sharma,  brooklyn, ny

  Posted at 1:31pm on Wednesday, March 4th, 2009

I am into primerica and on training. For me it is a good opportunity, there are lots of dreams stealer out there. They think of easy money, when they go on they regular jobs, how much time they get to sit around and have lunch? I work for lots of people and I tell you they make you work and give you they talk. Primerica donot take your money they make your money work for you. For eg. I had about 4 different life insurance what did they offer me, nothing but they rob me and took my money. I can put in an investment and see my money double. The rule of 72 change my life. So who ever read this you better think again and when you talk about God and his children it is a terrible thing to fall into the hands of God.
God bless all of you.

CED,  NY

  Posted at 10:34pm on Monday, March 2nd, 2009

Primerica is a legitimate company with some representatives that make a lot of money and most that don't. The issue at stake is ethics. Certainly, Primerica is highly regulated by state and federal government. It is a legitimate, legal business.

The problem I find with Primerica is that it brainwashes representatives into feeling that they are doing what Jesus would want them to by selling insurance policies to friends and family. PFC reps are poorly trained and have little or no education or experience in finances. They are given a few very biased crash courses in finance, the minimum level of education necessary to meet state requirements for licensure and are limited to selling the policies offered by the parent company.

So, you're telling me that by trying to sell me a term life insurance policy when I'm healthy and at the age of 24, you're doing what Jesus would want you to do?

By offering me the opportunity to work in a company that I have a 1-2% chance of making money i... read more »

Krimsonandclover,  Alberta

  Posted at 10:55am on Sunday, March 1st, 2009

My sister-in-law just got into this, and her brother has been in it for over 10 years. They talked to me about my finances, and everything they told me sounds great.

They didn't try to recruit me until i mentioned that I'm looking for a part time job. Now i've been to 2 of the meetings, and yes I have no training in this area, but they want to teach you it. I figured, even if i pay the $99 (which they give you $200 after completing the course of 5 weeks, one day a week) and just learn something about how to control my own money, it's worth it.

This year on my income tax return, instead of getting about $400 from the government, I'll be getting $3000....

A couple of weeks ago, I was looking at all me debt thinking, this is impossible to keep going the way i was going. But know, I have a plan, a goal, and that makes me feel very hopeful for the future.

As for the recruiting thing, I'm not much of a seller, I will be doing this more to help other people with their debt... read more »

Anonymous,  Location unknown

Posted at 10:01pm on Sunday, February 22nd, 2009

The company is an amazing company to teach people business skills such as communication, public speaking, one on one speaking and how to sell. Business skills make people rich. For $100, that is reimbursed, you recieve a life licence from the province. The company also pays for you to get a securities license. You LOSE NOTHING. MY whole family is PRIMERICA CLIENTS and they LOVE THE SERVICES! It is too bad that people will work a 9-5 till 65 and make on average 30,000 GROSS PAY. Well the average CEO is making 10 million annually.

A.L.,  California

  Posted at 9:59pm on Thursday, February 19th, 2009

First of all, all the complaints I see are because reps haven't being doing their work right. The company has a lot of good stuff to offer, the job is to put it out there the right way, without harassing customers.

You are not going to make money right away, but to have a chance you need to know how to respect the “privacy” and life of the customer.

There shouldn’t be a rush to do this, and it is not supposed to be replacing your regular job. It takes time and it needs to be done the right way for it to work.

Also there is a fine line between motivating and annoying, got to be really careful not to cross that line.

Lisa,  Colorado

  Posted at 12:02pm on Wednesday, February 18th, 2009

In late January 09 I met with Jared in a north Denver office (112th & Huron). Nice person, but very elusive as to what Primerica exactly consisted of, but when you are out of work and someone is willing to take time out of there day to talk to you, you go. I gave Jared my resume which included my personal references on it. He asked me to come to a meeting that was taking place the next day. Told him I would call him back. Once I was at home, I started doing research on what this company was about. I then knew this was not something for me, I called Jared back. Thanked him for his time, etc...but I was not interested. He asked for names and numbers of people that might be interested and I stated that if I came up with anyone, I would let him know.

End of story??? NO

Yesterday, one of those personal references called me stating that Jared had just called her about an opportunity and that I recommended her. He actually called her at the number listed on my resume. I then ca... read more »

JP,  California

  Posted at 6:39pm on Monday, February 16th, 2009

I almost lost due to this stupid company. I had lunch with him and his "wealthy mentor" he drove a crappy car. I'm not saying your car represents wealth but this guy was very boastful with numbers and nothing to back it. I went on to explain that all of the services in Primerica are expensive and that there are other options. I went to explain that my friend is not making money and recruiting people with no sense of economics and personal finance. Why should I make decisions based on what some guy tells me in my living room? What do his personal finances look like? He told my friend that if I was a true friend I would have his back. I told him to get an education and stop wasting time with this company.

He is young and has a lot of interest in quick wealth. I have the same aspirations but I choose to work and take calculated risk. He has sold everything he owns and I don’t know when he will A: Move on, or B: make money in this business. It’s been over a year and still no return. I ... read more »

Anonymous,  Location unknown

  Posted at 10:55pm on Sunday, February 15th, 2009

I am not dumb enough to join this pyramid scheme and I will not let you allow anyone in my family to join this garbage!!!!!! Why do you people think that there is such a thing as easy money, there is not unless you steal it from your friends and family........is that helping people?

Lance,  Utah

  Posted at 8:50pm on Saturday, February 14th, 2009

The best thing that has ever happened to me, period. Say what you want but this company helps people get out of debt and can create an income for anyone willing to put forth the effort to succeed. Dont care about pyramid bulls**t, I get a great check every month, part time, You get what you put into it.

Lopez,  houston

  Posted at 4:53pm on Tuesday, February 10th, 2009

First of all I would like to start out by saying that people are naturally scared of what they don't know, so please give me the opportunity to educate you. Primericas philosophy for more than 30 years now is why buy whole life insurance(from 0-90 yrs)when you can buy term insurance (about 10-30yrs at a time)pay less invest the difference in mutual funds and save some for retirement andor enough so that if you were to die your family will still be covered. Since the time that primerica opened, they have added other services that are much needed by struggling families like debt consolidation, legalcriminal insurance services car insurance and free FNA's. All that in one company and the orientation is free is too hard to believe huh? well its not. Think about it, why are they so interested in hiring? It is a fast growing company and doesnt have the man power to cover the demand. all businesses hire when people need help right?well lets look at the economy for a second, where is it? what ... read more »

paul,  Brooklyn

Posted at 1:41pm on Monday, February 9th, 2009

It seems to me that most of the people who have a positive experience with Primerica mostly share similar arguments against those who do not wish to be involved in a Pyramid Scheme. Yes, all business have tiers of positions and salary, but what the term "Pyramid Scheme" truly means is the people at the bottom do not earn what their time/work is worth and actually have a high chance of losing money in the end.

Never work for a company that promises the world and can't deliver.

They'll pull the rabbit out of a hat and you'll believe what your eyes have seen. Just don't pay to find out how the magician does his tricks, because all he'll pull you closer to show you is how to fool others. And with a slight of hand your wallet will be his.

James,  H

  Posted at 10:51pm on Thursday, February 5th, 2009

I have read through a lot of the comments here and have laughed, due to the fact that Primerica just has a bad rep with some people. If you really do your homework and want to work for a name brand company which I have. Just I will not mention there name because there are well known company. When I went to work for this company I had to pay for everything all my ins. lic. securities and so forth. Which ended up costing me in high 2000 dollar range.

We have got so jaded over the years with working for a paycheck that we forget that a normal company is a pyramid also. How many people are at the top versus the bottom, who is making the big bucks? If you work harder do you get paid more?

As with any company there are those so so people which give the company a bad name. But you do not get rich quick, it is a lot of hard work. Basically you get what you put in? If you work hard you will receive the benefits or else not...

Tamika L. Gaines,  United States

  Posted at 9:31pm on Monday, February 2nd, 2009

Hello! I am writing to you to apologize for EVERY Agent that you have had problems with. I'm sorry that their behavior set you back. I'm sorry that you could not see the opportunity that was offered because of the unnecessary pressure that was applied by those salespersons. I was bitter just like some of you because I was mishandled by a Primerica agent in 2002. However, I was re-introduced to this company years later. Now, I have a Life License,Auto License, and Homeowners License. All those yet, I paid $199 to join Primerica (By the way after I did my training appointments I got $199 back so I guess it was free.)For me Primerica is a tool to future greatness like a hammer is to a carpenter.Why do you say that Tamika? I'm glad you asked! LOL! Here is the bigger picture, Each license I have is from the STATE of Michigan which means that if at anytime I am no longer interested in the business opportunity of Primerica I can take my bat and ball and go play somewhere else! This my friend... read more »

Mike,  Ohio

  Posted at 1:15pm on Tuesday, January 27th, 2009

My wife and I were approached by a friend who was a Primerica agent who told us she was involved with a new job and asked if we were willing to let her come over and practice her routine on us. She told us repeatedly it was a free service, and we would be helping her out by letting her practice. We met with her and listened to the routine, my wife and I knew very little about life insurance and investing at the time and it all sounded pretty good. She took a bunch of personal information and told us she was going to prepare a free report that showed your income and expenses and is designed to help people eliminate debt.

Not knowing anything about Primerica, I went online that night and looked them up online and found out that there was plenty of controversy regarding their practices and services. I have no intention of becoming a rep, what I was most interested in was how good their services are, and are they worth purchasing. Despite the negative comments, I decided to give ou... read more »

poff,  pa

  Posted at 10:00am on Tuesday, January 27th, 2009

I am still in the "thinking" process of joining Primerica. The reason I'm still in the "thinking" process is because I'm still researching the opportunity. Opportunity is exactly what it is. Not a job. I've spent several days and many hours researching this opportunity through the internet, on forums such as this one, I've even attended the meeting. I lost my job due to downsizing, so did 110 other people because they shut the entire facility down due to the economical situation. I don't ever want to have to go through that situation again, which is why I am pursuing a "career opportunity" such as primerica. I've compared this company with many others, all of which are basically the same. The only issue is are you willing to put in the effort to make it work for you, rather than you working for it. You can't start a career with the mind set that its going to be "easy" money. I watched a biography on Bill Gates the other night, and if you had any idea what that man had to go thr... read more »

Steve,  Brampton

  Posted at 8:42pm on Sunday, January 25th, 2009

Primerica Opportunity is not for everyone, it does require self-improvement and a heart for helping people. If that sound like you then you should definately take a serious look, four years a ago I had a dead end corporate job make $70,000.00 a year thanks to primerica today I make over $250,000.00 a year and am on the way to save enough money not to work for money.
Be ware, there are a lot of what I Call "Primerica Rejects" that may disenourage you from persuing your dreams.
Please read books like, "Start late finish rich" by David Back and "What all stock and mutual fund investor should know" for direct references to the integrity and business opportunity with primerica.

Thank you.

Tim,  South Bend

  Posted at 6:27pm on Saturday, January 24th, 2009

I am a former Primerica Agent of 3 years. By 3 years, I don't mean Part Time. I mean worked my *** off, FULL-TIME, opened my own office, Ate, Breathed, Slept Primerica for 3 YEARS. I am not sure how helpful writing a post will be, because if you are an objective reader, you've already decided Primerica isn't for you; and if you're in the business, you've already been prepped by your upline to "overcome my objections."

Here's what I know: I am a MUCH, MUCH, MUCH happier and more balanced person now that Primerica is not a part of my life (or should I say doesn't consume my life). I once again have real relationships with my family and friends, because not every conversation I have has a hidden agenda. I get to listen to music I love in the car, rather than tapes and cds for self-improvement--the same thing applies for books. I am pursuing the things that I am passionate about and enjoy RIGHT NOW, rather than waiting until I make it, so I can "Take the Rest of my Life Off." I ... read more »

Damon Douglas,  Detroit, MI

  Posted at 8:44am on Saturday, January 24th, 2009

I will have to start by saying this, "I am not a Primerica rep, nor do I intend to be one." I say that, because I actually plan on becoming a full service series 7 stockbroker. What difference does that make? You can't get a series 7 with Primerica, and you are limited to mutual funds and insurance. However, I will say that Primerica is an EXCELLENT opportunity. Most people that think of Primerica as a scam are those that do not have the initiative, drive, or sales aptitude required to be successful with this business. Another reason that people balk is because of the cost that it takes to get started. I hate to tell you this, but if you want to be a STOCKBROKER, an insurance agent, a rep that sells mutual funds, you have to be licensed, and YOU have to pay for those licenses and training. Like another posted stated, it's usually people with the 9-5 job (Just Over Broke) mentality that don't get it. Some people actually do need to be told what to do, when to do it, and how to ... read more »

none,  Murphy NC

  Posted at 8:09pm on Friday, January 23rd, 2009

Ok, My wife was looking in the newspaper and saw an ad for work for "Financial services", it sounded really good for her. So she called the phone number and it was Primerica. The lady Susan Johnson invited her to the meeting. She had not mentioned all of the fees for the licenses or background check. My wife told her that she had no experience in Financial services she said your the person for them so they set a meeting night. She and I talked about it for a while and we thought it sounded fishy. Then we got on the internet and looked it up and found all of these negative reviews. She is DEFINITELY not interested in this PYRAMID SCAM! Anyone in this area DON'T do it, there bad news.

robin,  denver

  Posted at 4:27pm on Friday, January 23rd, 2009

I was just on an "interview" for Primerica. Nothing was ever stated about any fees that I would be required to pay. I was also told that the training period was 4 to 16 weeks long. But this time window of training was not explained. Is it 4 weeks or 16 weeks? I actually felt as if I was in a car dealership, trying to buy a vehicle and was having smoke blown up my a**. I have a pretty decent resume based around business, but nothing was ever asked about my last place of employment, skill sets, strengths, etc. This told me that they dont care who they have representing the company. I hope they don't continue to call me.

Very Happy,  Miami

  Posted at 12:57pm on Friday, January 23rd, 2009

How ignorant are most of the people. Haven't you noticed that we live in a free world where people have the option of doing one thing or the other? It is your choice, would you like to be poor for the rest of your life or wealthy and not worry if you have food, clothing, and have enough money to pay your mortgage? Be real! Stop nagging, you make your decisions so let others make their own. Primerica is a extraordinary company that give people the option of being someone in life. In Primerica you could make as much money as you want if you do the right thing. For further information, we have to adide by laws and regulations in the state where you do business. Whoever does not abide by the state/federal laws cannot do business and are liable to license revocation. We help people save money, get out of debt and become financially independent. Those who talk negatively about Primerica are a bunch of sore losers. I am happy to be a Primerica Financial Service Representative and so... read more »

Gigi,  Miami

  Posted at 12:31pm on Friday, January 23rd, 2009

Elizabeth, apparentely you do not know the difference between a cult and a business that helps people achieve there dreams and goal. We don't listen to those individuals, including you, since I bet that you do not have enough money to drop dead. Let your family decide what is best for them. They are hepling people reach their goals and dreams. GOD BLESS.

Rob,  NY

  Posted at 8:48pm on Wednesday, January 21st, 2009

Those PFS guys are ignorant as to what they are supposed to be doing. They listen only to their RVPs (who have a agenda) and they have no idea they are being taken themselves along with all their clients paying high fees for run of the mill policies.
They have no freedom to do the right thing because they are forced to sell captive products only. They are not competitive because their premiums on insurance and mutual fund loads are high with little to no great features. They actually think the features they have are good because they know nothing of other, better products outside their domain which they cannot access.
The agent commissions are capped. They get paid the lowest commissions so that their upline gets a big spread and they retain no true ownership of their agency. They even have to give up a portion of their agency in order to get an RVP promotion. Most of them cannot recruit in other states without a networking contract that is not favorable for the recruiter.
If you a... read more »

SUCCESSFUL,  Universe

  Posted at 5:02pm on Tuesday, January 20th, 2009

If you don't succeed in Primerica, it's because you didn't give it your best shot!!!! Unfortunately Primerica is not for everyone because not everyone KNOWS that SUCCESS is for everyone!!!

It is so hard to trust anyone nowadays and so I can understand everyone that is skeptical about trying it, but I can tell you neither 'skepticism' nor the 'uneducated opinions' of others around here will stop me from becoming successful!!

Former Rep!,  USA

  Posted at 8:39am on Thursday, January 15th, 2009

If you think your personal information is safe with them you are kidding yourself. Their idea of information security is keeping your data on an unencrypted external hard drive locked in a filing cabinet! Doing business with any part of that company is running the very real risk of identity theft! Don't do it!

Elizabeth Lucky,  Ontario

Posted at 11:20pm on Tuesday, January 13th, 2009

Hi guys:)
I just have a question: Does anyone else feel that their friend or loved-one has changed since they've joined primerica, and has anyone noticed how cult-like it is with the brainwashing speeches and the constant meetings? Furthermore, do any of you know someone who has put so much time and effort into this business and has not really made much money from it? I think primerica has the possibility to make you a lot of money (if your at the top of the pyramid) and has good products. However, it is the cult-like aspect of it that really scares me. I find those who get involved in it are really involved in it, and are obsessed with "helping people" because they are "crusaders" and "volunteers". The brainwashing language and phrases they repeat constantly also are a little daunting when you hear your friends and loved-ones repeating them and boasting about primerica 24/7 even when they've basically made no money with Primerica. Anyways, I was just wondering if anyone else has enco... read more »

Ace of Spades,  Michigan

  Posted at 1:20pm on Friday, January 9th, 2009

I had been approached by a close friend to check the services out. Well to help her with training and all to get her more further into getting license. Absolutely I was always up for helping a friend out and lending a hand for education her in her career.
I am very successful at what I do now and am silly with spending my money expecially at 6 figures. eeek.. oh well.
So here we go... She came over with a gentleman, no I will not even place names, very nice kind and all. Went over all our finances etc to lay out a Analysis. All right I felt she was learning alot to help her excell in her career. Next thing he wants to set up another appointment to show me the results.... All right I was curious to what the results were.
Well of course I was a little shocked and set back however the advantages he threw at me for joining them at Primerica and all. I told him no way I have too many hats to wear right now let alone needing another one.
So we went over all the debt eliminatio... read more »

Kate,  Texas

  Posted at 10:49am on Wednesday, January 7th, 2009

My first impression of this company was that I was walking into a cult meeting of Erin Brokovich wanna-bes. The staff were so terribly fake, and condesending. It was a very disgusting display of desparate attempts to get money from people that clearly didn't have a pot to piss in. I was the only "recruit" that was wearing a suit, as I was given the impression I was going to an actual interview. I actually sat through the entire lecture (mainly for fear that they would make a spectacle if I left early). They wanted us to sign up for the program that night, and when I politely declined, and put my clip board on my seat and walked out as quickly as possible, everyone just got silent and stared at me like I was the devil not following their religious overcast. There was one man that quickly left behind me. The others clad in jeans and t-shirts that couldn't even afford the start up fee remained....I would feel sorry for them, but I can't have pitty for morons.

Scott,  Gainesville, GA

  Posted at 12:24pm on Wednesday, December 31st, 2008

I was just called by a Primerica rep for an interview this Friday. So now I am doing the research on the company. Some are good, many are negative. What to believe? I've done the "Amway" thing in the past and am not open to a similar experience. I'm open to comments prior to attending this "interview".

Mrs. Taylor,  bronx

  Posted at 11:32am on Tuesday, December 30th, 2008

No negatives, just my experience. Read before you leap…
I’m a 32 year-old person who has excelled in my studied field. My husband and I jumped at the opportunity to go through a FNA and were thankful for the education and financial services. However, at the end of the FNA, I found myself recruited. No worries I thought because I was excited to present families with the financial education and services that were offered by representative. When this business opportunity presented itself, I was completely open to the possibilities. I generally tend not be negative by nature and have a strong faith in dreams and possibilities. However, after several months of trainings, leadership schools, speaking with teammates and overall observations, I realized that I lacked the marketing and aggressive skills needed to make all my hard work paid off. My concern is that I was initially sold the idea of helping people, but then quickly graduated to a recruitment officer. Because I was “coach... read more »

chicago,  Location unknown

  Posted at 7:49pm on Friday, December 26th, 2008

I've been with Primerica for several years now. I'm not much of a recruiter because I don't like baby sitting, but I believe in the company and their insurance. I have seen how the company can help.For example: I had a client who had whole life Insurance. I changed them to term. Few months later the wife died in a terrible car accident. The family is well takien care of. I don't do it for the money...I do it for what Primerica believe's.... Helping out families.

Lena,  NY

  Posted at 9:54am on Wednesday, December 24th, 2008

Great company!!! Unfortunately it is not for people who have an employee mentality. Here you are offered a BUSINESS, NOT a JOB (Just Over Broke). Show me where else you can pay $99+$25 to start your own bussiness? (By the way only $30 are non refundable in case you went for several trainings and decided it is not for you.) This company is definately for people that never quit, are hardworking, like doing what is right and helping people, and have BIG GOALS AND DREAMS.

Chris,  Tx

  Posted at 12:32am on Thursday, December 18th, 2008

Isn't it funny that the only good reviews of Primerica are from people who only "just started" working there? And to the person who said that it's like any other job: NO IT IS NOT. Other jobs don't only pay you after you recruit so many people. And no, most wealthy people DON'T invest their time in operations like Primerica. However, that is what Primerica wants you to think. But, if you're the type of person who feels like harassing people until they join in order for you to make a buck, by all means-join Primerica!

Luis,  Los Angeles, CA

  Posted at 5:42pm on Tuesday, December 2nd, 2008

Look, let me start off by saying that I recently joined Primerica. Now, I know I do not have much experience with the company yet as to make a sound and valid argument for it. All I can say is that the opportunity presented at Primerica is MUCH MUCH more achievable and realistic than most corporate positions today. EVERY BUSINESS IS A PYRAMID, trust me. If you deny that, you are an ignorant fool! Just think of where you work at, do you have a boss? Does he get paid more than you? Are there not more employees than bosses? How likely is it for you to get promoted and for how much? All I am trying to demonstrate is that at Primerica, you have a shot at success in much less time than at other conventional jobs out there. And of course you have to pay a fee, where can you go and attain knowledge for free? You go to college, you pay tuition, aside from the textbooks you mst buy!!! Here, you get licensed for a fraction of the cost of going anywhere else. Just be realistic and set everything i... read more »

Jim Hanes,  California

  Posted at 11:13am on Tuesday, December 2nd, 2008

Have you seen the new site that is coming it should be pretty cool it is sort of a social site for all primerica members. it is called primericafamily check it out . they will be charging a small yearly fee just so they can keep it private and for hosting and upgrades and contest for the site. I think it will be 40 dollars a year only . Check it out right now they have a coming soon page but you can fill out your name and email address and they will send you a message when site is up . I believe they are going to give some free memberships away for the first people that sign up

jack,  detroit, michigan

  Posted at 12:20am on Tuesday, December 2nd, 2008

Hey if anyone want to call it a cult or whatever becuase you have to pay 200$ obviously isn't rich or ever will be. Anyone who is business smart know starting a business with $200 is nothing, people dont work for primerica, they work with them. Every job is a pyrimid scheme, lol the managers make more than employees everywhere. But if you you go get those licenses on your own its a lot more than that. Trying new business oportunities is what rich people do, working for someone is what poor people do.

Shamus Scannell,  Brockton Ma

  Posted at 8:43am on Monday, December 1st, 2008

I understand the concept of pfs, I went there, went to the orientation, talked with the recruiting agents, didn't like the program. Even though I have management and sales back ground, I still did not like the company or want to be involved with the opportunity. That was 6 years ago, maybe more. These BASTARDS just stopped calling me, visting my house and sending me emails last year. LEAVE ME THE F%&# ALONE!!! If you see this name and you work for PRIMERICA ...DO NOT CONTACT ME!!!!

jessie,  hawaii

  Posted at 3:02am on Monday, November 24th, 2008

after my friends told me about it and the orientation, it all sounded too good to be true getting that much money after recruiting someone to Primerica...but if you think about it if they keep recruiting people just because the money is good and not really focusing on making the company standing and going for many more years(by explaining what the company can offer to the people) then its all going to be useless because all the people that only care about recruiting, nothing else and making money out of the company..won't the company end up getting bankrupt because all those commision their getting by recruiting will run out??!!

"Dream Again Team",  Idaho

Posted at 11:01pm on Friday, November 21st, 2008

Every time a group of people share the same strong conviction and have the same shared dream they are labeled as a "cult". If that were the case then the United States of America would be a "cult". If you haven't REALLY spent the time and engery to learn and be a part of Primerica then you have absolutly NO right to put label on it like "pyrimad or cult".
Primerica itself works! You can't judge the company as a whole by the actions of a few bad seeds.
Making the American Dream a reality again is what Primerica does!
Sincerly, The "Dream Again Team"

Wil,  FL

  Posted at 1:20am on Friday, November 21st, 2008

primerica is a great company......i just got started......im getting trained and helped a few people with there finance......im learning alot here.

BH,  TX

  Posted at 11:45pm on Monday, November 17th, 2008

My application paperwork got lost somewhere between my recruiter and the "home office." All of my important personal numbers on the app forms, and who knows where they are now? I don't have a very good impression when I am starting out.

The multi-level marketing strategy lacks professionalism. The kinds of other people who join without much (if any) financial knowledge really seems a shame. The products are very expensive.

Overall, I would suggest to stay away from the company. I am not impressed at all about anything I have seen yet. A friend got me in, I guess I will soon have one less friend!

ann,  ontario

  Posted at 10:04am on Tuesday, November 4th, 2008

this is for uncle bob. Primerica does actually help the middle class and poor families. It depends what your needs are. There are plenty of great services we provide. Starting with insurance, smart(mortgage and debt consolidation) as well as RRSP's. We also offer more services, at my place of business we only do what's best for our clients. Sincerely Ann

uncle bob,  here

  Posted at 4:50am on Monday, November 3rd, 2008

I hear alot about the reps, but i really want to know is if the company really works? Yeah, people can be real dumbasses, but can Primerica really do what they say they can do?

Nathan,  Boise

  Posted at 6:30pm on Sunday, November 2nd, 2008

I started with Primerica recently and have been impressed with the clarity of the presentations. I believe that the bad experiences that people have had say more about their recruiters (or themselves) than about the company. I am concerned about my ability to solicit customers. Multi-level marketing does have a bad reputation, but that's not Primerica's fault. Nonetheless it does make it difficult to bring up the subject with friends, etc. All the organizations that check for fraud and abuse give Primerica good ratings. I believe it to be legitimate but not for everyone.

Peaches,  Location unknown

Posted at 2:00pm on Saturday, November 1st, 2008

Also...to BRAD up there...You have to pay money to work for anyone if you are talking about having to pay money to work for Primerica. You have to pay $99 for a business license and the class you have to have to be able to work for them. You have to pay for school for most any job. Also, I see where people say that the ppl who work for Primerica prey on ppl for their money...what do you think it is you do at that most wonderful job that you hate? Are you not there for someone else's money? We all want to get paid, and these are services that ppl need. If you are waiting tables, are you not going to suck up as much as you can to get a really big tip? At least with this job, you don't have to be fake to make money.