Primerica Financial Services Reviews

G   IL

1:09am on Thursday, September 2nd, 2010 

Okay, I read the reviews and went to the initial meeting anyway out of "why not?" expecting the worse. Most of the reviews seem to be talking about their insurance policies, but the presentation focused more on the financial/investing side. It was an overview of the company and some of what to expect. Okay. But I want to hear from those of you current Primerica Reps, especially current ones since the split from Citi.

They said they don't advertise to sell their products and work only by referrals from clients. Is this true? Is this the only method of lead generation? Or do I have to start making cold calls? And the Regional Manager (I think is who this guy was) basically made it sound like he'll take you by the hand and completely train you. People on here are talking about $1500-4000 fees, but the RM said the only payments would be the $99 background check and $25 a month for file management record keeping stuff, but it sounded like that was only if you own your own office, that you can just work with the RM's and GM's if you want. Where does the truth lie? And they made it sound like they have different roles depending on your experience. And the four references I'm supposed to bring to my one-on-one interview, are those indeed for reference checks or are those to try to recruit those people?

So again, any of you that have done this, I want to hear your experience. Especially those of you that are still doing this since before April 1st who might be able to tell if there has been a difference (good or bad) since the split with Citi. And don't sugar coat it, because you know damn well that even if I did sign up in the end, you won't be making commission off of it.

MF   Brampton, ON, Canada

5:07pm on Friday, August 27th, 2010

I am currently in the process on joining Primerica as a rep. Thank you very much for all of you putting comments out there, good or bad. That should really help my decision moving forward.

I'll keep you posted with time about my experience as well.

Wow   TX

1:18am on Thursday, August 19th, 2010 

Its amazing how people are pro "Do nothing and somehow get paid for it" BUT they are totally against overrides. Isnt an override the freedom of not doing anything but getting paid? This does come at a price (hard work). Thats where the disconnect is.

For those who want to use their talents to make their executives rich you are fine where you are at. For those who want the opportunity to build something to call your own, this could be for you. You will have to lift up your sleeves because nothing ever comes easy.

UNKNOWN   Location unknown

1:55am on Tuesday, August 17th, 2010 

IN MY OPINION I THINK THE COMPANY IS A SCAM I MEAN IN JUST 4 MONTHS OF YOU WORKING THERE YOUR OUT 100 DOLLARS THINK OF IT YOUR MONEY BUILDS RIGHT AND WHY SHOULD YOU BE CHARGED TO HELP PROMOTE A COMPANY YOU WORK FOR OR HELP SELL FOR I DONT KNOW ANY JOB THAT CHARGES THEIR EMPLOYEES TO WORK. IN OTHER WORDS NO TO PRIMERICA ESPECIALLY YOUNG PEOPLE TRYING TO GET INTO THIS I TRIED GETTING OUT AND THE OTHER REPS WERE HARASSING ME NOT TO I DO BELIEVE THEIR ONLY LOOKING FOR THAT COMMISSION.

Carolyn   Texas

8:53pm on Monday, August 16th, 2010 

I am a Primerica rep and if your debit card got charged then you signed the agreement which also told you how to get your refundable money back. I love this business and have been able to make 2k part time/month while raising 2 kids and a husband in school. With Warburg Pincus investing 240 million in us at our IPO April 1 and all the amazing things the Co-CEOs are bringing down the future is good for those of us who want to win and have the drive to achieve it

bang   california

6:53am on Saturday, August 14th, 2010 

Primerica is a legal scam, I just told the guy I don't wanna join by phone cause I feel like being manipulated but next thing in the morning they charge my credit card $99 so I called my bank and have it dispute.

Good   TX

1:38am on Thursday, August 12th, 2010 

Its funny how some folks believe that you can grow a business without recruiting and training! Can you imagine what our military would be like if they didnt know how to recruit and train?

Also, i learned if you want to succeed at something, you ask folks who have done it. If you have been approached by a Primerica rep and you turn to people you either dont know, or people who failed at business or people who are just negative about everything or people who would hate it if you actually made something of yourself what do you think they will say? Instead check out the opportunity and talk to the folks that make a living at it. Im not talking making 6 figures but people who now lead a different life because of the extra income primerica can provide. Baby steps right.

Look in any business you need
1) Money to start
2) Licenses to sell some products
3) A product
4) Team (recruit)
5) A proven system.

Also for those who feel overrides are not fair. Comon you mean to tell me that the CEO of the company you work for makes the same as you do? The harder you work, the more you will get paid. Works like that in any business too.

Problem is people come in thinking: Ok i signed up so where is my 6 figure salary. Then they realize they have to work at it. Then they leave. You tell me where can i get paid for doing nothing?

This opportunity is people who believe they can make a difference not only in their lives but the lives of the clients they sit with. If you truely believe that you can help folks then you will do ok. However, if you put yourself ahead of your clients, then you will fail.

Overpriced Term   So Cal

1:52am on Friday, August 6th, 2010 

In addition. Primerica says they offer a 35 year term..The truth is the 25 year, 30 year, and 35 year is guaranteed only for 20 years. What a joke. All other term policies in the industry are guaranteed for the length of the term you buy..Common sense is very uncommon these days..

You Know   So California

1:50am on Friday, August 6th, 2010 

Stay away from Primerica. I was a representative for over 4 years. You must recruit to retire and sell to survive..That's what they tell you. Don't treat everyone like a number but play the numbers...Once a quiter always a quiter..stay away from negative people..Buy term and invest the difference. Yet 100,000 rep and maybe aprox 25% securities licensed. How about sell term and recruit and eventually you'll come back for the investment and that's if you ever get securities licensed. My advise is don't do it..You will lose respect with your family members and friends. Yes you will make new friends and family in PFS however it's not worth the damage you will cause your children and family. Believe me...My wife and I quit our jobs to go full time.. Happy I went through the experience because it made me wiser but You don't have to go throuhg it. just my thoughts..Products: overpriced term and low level securites and insurance paid commissions. The question is..Are You Loyal to Primerica or Are You Loyal to Your Clients..There's no in between..

Jason Alexander   Mississippi

4:41pm on Wednesday, August 4th, 2010 

Primerica is a terrible company. In order to make good commissions you have to recruit people. The company emphasizes more on recruitment. Example: Joe and Donald are two new recruits and start at 25% commission. Joe sells $10,000 in premium the first month and is unable to recruit anybody. Donald sells $3000 in premium and recruits in 3 people. The following month Joe's commission remains at 25% for new sales while Donald's commission increases to 35% for new sales. This is how primerica works and its not fair.

Anonymous   Location unknown

1:55pm on Sunday, August 1st, 2010 

Also, Mike from NY, you say a 30 yr at $2770. You say nothing of the face amount. The Custom Advantage Term products are level term to age 65. I had my wifes policy done, 29 y/o $500,000 for $36 /month premium. She has a better policy than the government gives to the soldiers. I had $400,000 @ $27 in the SGLI. Also in 2009 PFS paid out $261 Million in death claims, 97% paid in 14 DAYS. There's companies that wait months. A couple are actually under investigation for it right now ( wont name them though)

Anonymous   Location unknown

1:45pm on Sunday, August 1st, 2010

I just want to clear the air, PFS is not a Multi-Level Marketing company. Do you think the SEC or FINRA would allow a MLM to conduct securities? You don't see MaryKay, AMWay, Lia Sophia, etc. doing investments for people do you?

Andrew   Arizona

4:07pm on Friday, July 23rd, 2010 

Alright people I would like to give some insight on Primerica and a few others. I am a successful owner of a Corporation. I have always been a entrepreneur and a good one.

First off a little background on myself. I am a Veteran of USMC. I have multiple degrees and I own my own Corporation. I am a multiple licensed contractor and Federal Contractor registered with the CCR. I make my own money and pull in subsidiary income from multiple MLM's. Well both myself and my wife are pulling the income.

I myself have no personal need for Primerica nor am I interested in it for personal gain. However I will address that friend of mine who is also a Contractor join the Primerica program. He did all the startup procedures, paid his $99 and recently took his AZ License test at Thomas Prometric (It took him x2 attempts) but he just recently passed on 07/19/10. He was stressed and kept an optimistic view. He did just successfully sign up his first client and has already signed up multiple reps under him. Just out of support I listened to his presentation and of course he is new to it and doesn't know everything. I believe he could actually make money.

***IMPORTANT*** I would like to explain to everyone that every single business in the USA is a MLM. No matter how you look at their are always different levels of personnel. In the average job were people perform work you only move up if the company expands or someone is to be replaced.

Now do some MLM's work (yes) but they do require personal sacrifice. I will list below the ones that I have done with it's personal rating

Primerica: N/A

Advocare: Successful (pays instantly) 10+ years
I made money in the 1st x2 weeks and have continuted to make money

Prepaid Legal: Successful (after startup process) I made my first money 3 months after, I could have made faster if I pushed harder at first, now I make decent income

APEX: Successful (Pays as a check from them-as a fitness personal trainer) started recieving money within 1 month

Team Beachbody: Successful (Pays from them- Requires networking ability) It took x4 months before 1st check to come in

AVON: Successful (Wife does this)She is making decent income, however this requires networking capabilities and marketing abilities (Don't be scared to put yourself out their)

Green Mountain Energy: Avoid (Startup cost and process is to risky) Did not have any success - others have had success but I personally did not.

I have done many others, total x17.

I am currently only doing Advocare, Pre-paid Legal, and Team Beachbody.

***Conclusion*** I have developed a personal philosophy on large based MLM's. If you have to spend more than $110 to just start, don't waste your time. If any monthly fee exceeds $43 again don't wast your time (UNLESS you have startup capital) most people are starting with almost nothing. You absolutely have to be optimistic and have drive going in or excpet absolute failure.

These MLM's "BANK" on the fact that you are going to "fail". In fact of the 2009 National Statistics for MLM review a whomping 87.2% of all new "REPs" failed to pursue the program. Those of you that have successfully oriented the program will of course praise their success and those that have failed will obviously claim "SCAM" I am just posting this as a neutral party for those who want a professional opinion from a professional.

I wish you all good luck

Harjinder   Brampton

8:23pm on Thursday, July 22nd, 2010 

Hello there. I have recently been recruited my Primerica. I have read a lot of negative reviews about paying $99 after being recruited. The $99 fee is for them to get a criminal background check and a credit check. This is because you are entering into a financial industry and they do not want to recruit people that have criminal backgrounds or people that have claimed bankruptcy in the past. Also the company provides the tools for the examination for the insurance license and security license for mutual funds which combined is about $1500. This business opportunity is for people that are motivated and not lazy to get out there and make clients and also recruit individuals to expand their business.

Mike   New York

10:42am on Wednesday, July 21st, 2010 

Primerica is a complete scam. They sell overpriced products and only sell one product, term. They use unisex rates which clobber females. They charge 14% to pay monthly. i.e. 45 y/o female for 30 yr. level (which they only guarantee 20 years) is $2770!!! The competition is around $1900, where does the $870 go, to support the muli level marketing scam - up to 6 people are paid commission on one sale - crazy. Oh, same rate for males and the competition is at $2400 to $2,500 for a fully guaranteed 30 years with conversion options, which Primerica does not have. Run from these people, RUN

Sean   Location unknown

4:22pm on Tuesday, July 20th, 2010 

Matthew,

I can respect your opinion but just doesn't make sense. Sooo many individuals that are considered financial geniuses now say that everyone should "buy term and invest the difference." Well 85 Primerica reps said the same thing 33 years ago.

It all comes down to this: When a person retires what would they rather have: A large amount of funds to live on, or a small amount of funds to die for. How do people take care of themselves if they live too long Matthew? What do you suggest for all of these elderly people that have spent a fortune on whole life insurance instead of investing and now have to greet you when you walk into a supermarket? Do you think they wished they'd had an IRA?

Jenn   Texas

1:04pm on Thursday, July 15th, 2010

I have been on the internet researching this company for nearly 2 hours. Just like with every company, I have found many reviews from satisfied clients/reps and just as many unsatisfied reviews. However, what I did find unusual is there are several stories on here that are exactly the same as my experience. I was in a grocery store and approached by a lovely young woman who complimented by style. Nothing out of the ordinary, just friendly conversation which is quite common in Texas among strangers. She stated I had a great personality and asked if I knew anyone looking for a job. I am a young college student and at times naive, so maybe that made me a target for the recruiting system I have read about. We exchanged numbers and she contacted me the next day to set up an interview. There were a few things that seemed odd to me, but nothing alarming. She texted me the address to her location for the interview and I decided to google the address for a business name. That's when the Primerica name popped up and the research began. Numerous comments both on this site and others have indicated words such as scam, cult, schemes and that really worries me. I am actually now somehwat afraid to attend the interview. However, I don't want to miss out on a business opportunity especially if this could be an open door into the financial industry after I graduate from college next year. I appreciate all of the comments which will help me make a decision to attend the interview or not. All the best.

Nicole   New Oileans

8:57pm on Wednesday, July 14th, 2010 

My boyfriend just started at Primerica. I'm still checking it out because I'm skeptical. People are saying you have to pay to work for them. That's not true. The $99 dollars is for your license. He has to have 16 appointments ( with the rep) Out of those 16 he needs 6 sales and then he has to recruit 3 people. He is training and seems happy so far. He is listening to the CDs and quotes some of their stuff sometimes so I see why people are being goofy and calling them a cult. The company focuses on being positive which I like. I was one of his appointments. The people seem really nice. It's not a "get rich quick scheme" you actually have to bust your butt. They have an a+ on the BBB site and that stock guy Kramer on CNBC said PRI was the stock to buy this year. Those things make me feel better but i would love to hear more from people who have worked for the company for a while.

Rynn   Idaho

11:50pm on Saturday, June 26th, 2010 

If you're here to research Primerica look on the New York Stock Exchange the symbol is PRI and also check with the Better Business Bureau. you will see that Primerica is the most sucessful IPO in the last ten years and the BBB's rating is an A+. so ignore all the negative comments and see for yourself.

somewhere in   OH

7:47pm on Sunday, June 20th, 2010 

WOW!! I can't believe all the positive and negative articles I have read about this company. I had an interview with them on Friday and have a second interview with them tomorrow morning. I have been trying to do research and it's either very positive or very negative. I plan on following through with my interview and I have a ton of questions for my rep. She is very nice and seemed sincere, but there were times when I felt I wasn't receiving ALL the information I needed or when I asked a question, I felt she was talking in circles, make sense?? I have a feeling this will NOT be the career path for me, as I need to have a steady income right off the bat and I am not an aggressive or competitive person when it comes to sales. I was hoping for a "training" position, but not training people on products and then trying to sell something.

Thank you everyone for ALL of your posts. I am glad I did some research. I wish all of you the best....now if I could just figure out this "security check" on here so I can post this.

Kevin   Florida

2:25pm on Thursday, June 17th, 2010 

Mathew...

So given you logic...or illogic...home owners and auto insurance and travel insurance and whatever other insurance you may have, are all Rip-Offs because 90% of the time they never pay out! How often does a homeowner get paid...it's rare unless you live in a high risk area like the coasts, earthquake, or tornado zone...even in those places the majority never have a need to file a claim.

To put it simply, you obviously have no idea what insurance is for...regardless the type. It is only needed as a stopgap until you are self insured...ie) you've paid off you home and other debt, you no longer have dependents relying on you, you've saved and invested properly and now have plenty of money to survive on the rest of your life.

That is what Primerica tries to do for their clients. However, as the old adage goes...you can lead a horse to water, but you cannot force them to drink. It is unfortunate that many people chose not to follow the plans we put together for them...for that matter...that anyone puts together for them. They seem to think running charge cards to max and declaring bankruptcy every 10 years is the key to success instead of following basic investment strategies and using the Rule of 72 in choosing investments that will ensure they retire when they want with the ability to never worry about money again.

Oh, by the way, I bet you think that with a Whole Life policy your going to get both the cash value and the death benefit, too. How wrong you are.

Kevin   Florida

2:12pm on Thursday, June 17th, 2010

Sparks...

Why would you ever leave if you are an RVP...especially without selling YOUR Business! That is just nuts and a big clue you have no idea.

In addition, name another insurance company that doesn't work in a similar manner with regards to compensation? The fact is most insurance companies gives their sales force an advance without them ever making an attempt to sell. Then, if they want to leave, they cannot be reappointed until they repay what they were advanced. Primerica WILL NEVER do that. The only advance you receive is when you actually PRODUCE. Again, your comments sound fishy...perhaps you were looking for some way to be paid without producing any work...what you should have been looking for is a Job, not a business opportunity.

Finally, please compare apples to apples when talking about costs of policies. With the exception of those over 50 year old, we have the lowest rates nearly 90% of the time...if you can even find a comparable policy...afterall, name one other company that has 35 year term policies...or that thanks our men and women in service and other dangerous public service occupations by not charging them a premium or exclude them all together!

In the future, please provide specifics instead of just making stuff up. I have never been beaten by any other insurance companies product when going head to head at the kitchen table with the client. The reason, the other guy is subject to loss of license if they mis-state anything. Bring on your best facts.

Sparks   Colorado

4:01pm on Saturday, June 12th, 2010 

The company runs on recruiting, internal consumption, and hope that one can win big.. Most people do not earn much or stay long term. The products are decent, and the home office service is good. If you want to make big money....six figures....you have to recruit. However, the opportunity requires padded product costs to pay the multiple levels of earners. LIfe insurance is less expensive, almost everywhere. Things they don't want you to know, however, is that the RVP can modify the promotions anyway they want. That they DO NOT want their mutual fund clients to write a letter of complaint, because they then have to report it to the regulators versus handling it in-house. That only 25% get licensed and only 15% write 1-2 aps a month. That, if you complain loud enough they will settle with you with a check. That ownership and selling it is at the companies guidelines and approval and several people ended up with far less than agreed upon. That, when you quit, any chargebacks rollup to the RVP. They have to collect from you. That, when you quit as an RVP, they WILL NOT pay you the escrowed earned commissions (thousands of $) if they have reason to believe you violated their contract...which they always have reason to believe even without evidence. (They could make a lot of money from VP's Earns that are not paid out.) They know most people cannot fight the law team in Primerica. The RVP contract is built for the company and you DO NOT have any access to clients or reps...cannot contact them.....even if the client wants to keep you as a rep. Primerica "owns" the clients and reps. When you leave, you are exiled and become a threat to the company and they don't care anymore about the ex-VP. I guess this is part of where they become characterized as a cult. When you are in...they love you....when you produce, they really love you....when you leave, you betray them. If you need a family, something to keep you moving, can cheer or sell well, then this could be a place for you. But, if you leave.............

Mariv   Chicago

9:48pm on Friday, June 11th, 2010 

Primerica is great, i went full yime n quit my job in feburary my husband quit his in october. Primerica is for ppl who want to b some1. Primerica work if u work primerica. The only way u lose is if you quit n the only way you really will quit is because your lazy, not mentally tough to deal with adversity that comes along with any business, or your heart is not in it for helping others. We are the largest financial service company in North America, we're different, unique, and we're the GREATEST company that rich ordinary ppl. So you either come on board or we're just gonna run over you. ;-)

Anonymous   Location unknown

5:53pm on Sunday, June 6th, 2010

About MLMs...

Over the years, I've been lured into many MLMs...Amway, Excell (long-distance phone service), etc. They all had one thing in common as has been expressed...the uplines profited from recruiting new MEMBERS. And, that was what were ultimately were...members.

Many years ago, I signed on under a RVP for Primerica. After attended a few meetings, I formed an unfavorable opinion of the company and dropped out. I kept in contact with a couple of the guys i made friends with, however, as I started my own business in tax prep. As my business grew, I wanted to expand my financial services offering and, having kept in touch and learning more about Primerica, I wanted to give it another go. For two years now, I have been with Primerica and it's been a world of difference.

The point is, like any large business, you have some people that follow company guidelines and some that want to take shortcuts or just don't understand that Primerica is a business opportunity and not an MLM. Primerica is no different than your local Century 21 or State Farm. Although those two examples may not be as public in their recruiting, they do just that. In fact, every business does so. The difference is most companies are offering jobs with the typical low pay/salary that most people are used to. With Primerica, just like in real estate, agents are recruited/hired with the understanding they are paid on commissions only. And, just like with real estate, Primerica pays your "uplines"/Regional Vice President, etc. a commission every time you earn one yourself as an agent. Isn't that exactly the same thing that happens when a real estate agent sells a home? They get paid, the listing agent gets paid, and the broker and others get paid even though the buyer only ever met the agent!

The fact that some people have bad experiences because of a few bad apples doesn't make the company bad. Just because some reps fail because they didn't learn enough to even pass their state mandated licensing exams and/or are too lazy to learn their products and how they are superior to most anyone else's on price, length of term, and policy terms, doesn't make the company a bad company. The majority of Primerica reps are respectable, honest, hard working people trying to better their lives as well as those they meet. They understand that life insurance and savings/investments are two entirely different things and should never be tied together. By the way, if your whole-life agent ever says anything about their cash value being an investment, make sure you are taping the conversation and then report them to the state as it is illegal for them to do so without a securities license!

And, Stew in TX...I bet you didn't know that Dave Ramsey was a Primerica rep doing a radio show with another rep and, because of conflicts of interest the two had to chose between the radio show and Primerica. Dave chose the radio show which grew to what it is today but continues to preach the Primerica message. His partner on the show chose Primerica and earns over $1 million every year after growing his business. Both made a great choice and both continue to believe in Buy Term and Invest the Difference.

Wendy   California

7:08am on Sunday, May 30th, 2010 

Let me start by saying that I will forever be grateful for being introduced to the Primerica opportunity. It opened my eyes to the importance of planning for the future. More importantly, Primerica allowed me to drean BIG once again. In fact, Primerica had an overall positive effect on my family particularly my children because I was inspired to set goals and put the discipline and work ethic to accomplish my goals and dreams. That being said, I encountered faults along the way. I understand that no company is perfect but I was shocked to discover certain things about Primerica. My training was very vague: a handful of "warm market" appointments and then many motivational "rah-rah" meetings. Most of my expertise was derived from countless hours of internet searching regarding the crusade "BTID" I quickly became more knowledgeable than my RVP. I spent a little over 2 years with Primerica, experienced continuous success, won trips and recognition and left as a Regional Leader. It was at this point that I began to put things together in my mind: comments shared to me by prospective clients (btw they had better products at better prices), thoughts about disgruntled ex-recruits (frustrated by the many limitations and red tape), the "give up" system to reach RVP status, etc... I literally was hyperventilating when I first confirmed my suspicions: There was a BETTER opportunity outside of Primerica! Leaving Primerica is among the hardest things I ever had to do in my life!! I have given birth, experienced marriage and divorce and this ranks right up there. After much prayer, I knew that I could do better for my clients, better for my team, better for MY business in the long run if I was not part of a captive company. There are an array of finer products out in the independent market; I am still a passionate crusader of term insurance. However, there's is no possible way that one company can be the best choice for every family, 100% of the time. Now if a client is declined, I have options and hope for my clients. I never replace a policy unless it is absolutely better for the client; equal or more coverage but for less $ and guess what? 99% of the time I can beat the Primerica policy on quality as well as on price. Investments, don't even get me started. Bottom line, Primerica is very limited, only 11 mutual funds and only 1 529 plan, and there are better variable annuities out there than Primelite. More options for LTC, the ability to offer disability and health insurance, provide real living trust rather than a basic will. The list goes on and on... My comments are intended to be helpful and insightful in regards to my personal experience, they are not intended to insult or offend anyone. In fact, I still have many dear friends at Primerica. I just thought I would share my thoughts and my journey. We all have to find our purpose and where we best serve others. "Happy is he who trusts in the Lord"

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Carl Smith   Lake Park

2:51am on Sunday, May 30th, 2010 

I had a mutual-fund and term life insurance with them till I lost my job. Now I only have the insurance because I withdrew the mutual fund little by little.
It's a good company to do business with. I can't complain of any wrong. I will invest with them again, when I get back to work.

Matthew   Farmington, CT

4:41pm on Tuesday, May 25th, 2010 

Lets get one thing clear-this is a horrible firm to get involved in or buy stuff from. Here is something that will make you snicker- they claim that no matter what (age of client, health of client, wants of client) permanent life insurance is a rip off, and then they peddle their term life. Lets crunch the #'s. 99% of term policies are never paid out. perm life is paid out. I love to see what the primerica cronies will post about me.

Stew   TX

2:01pm on Tuesday, May 25th, 2010 

Every "pro" comment I have read here sounds like it was pulled verbatim from every line I was fed during the eight years I was an Amway distributor. I just attended a Dave Ramsey Financial Peace University course and the facilitator ended up being a Primerica rep. He approached me near the end of the course about an "opportunity". Stealth all the way - wouldn't come out and tell me what it was or who it was with until I pushed the issue. Listen, there are a lot of MLM's out there, but by and large, they are defined by the fact that your "upline" makes a great deal of money on recruiting fees. When I found out that the majority of my Amway uplines' profits came from the sale of the highly promoted books, tapes, and seminars, and NOT from shared commissions from products sold, I parted ways. If it's an MLM, turn 180% and head the other way. Take the Financial Peace University course, though. It's a good one and will teach you how to manage your money soundly, get rid of debt, and then your lifestyle will surely change.

guest   Utah

3:19pm on Friday, May 14th, 2010 

For those of you who say that Primerica makes you "invest" in their company by the $99 fee + $25/month...do a little research. The $99 pays for your background check, which is required by law, and if you are active in the company Primerica will reimburse you. The $25/month pays for the maintenance of the website that keeps track of your clients and their financial needs. I'm sorry for those of you who had a bad experience but let's face it: Primerica offers its new agents every opportunity possible to succeed and those who don't are just plain unmotivated and lazy. It's not a get-rich-quick scheme, it's a legitimate career path that takes some effort.

Romo   TX

10:01am on Monday, May 3rd, 2010 

Well i work for a Corp. They offer health insurance but i have to purchase it. They offer group term insurance and i have to pay for it. They offer dental and i have to pay for it. Im also a citizen of the great USA and i have to pay taxes.
Lots of stuff in life are not free. Thats the biggest problem. We want to look for the Easy Street for success. We see our family member or friend become success and dont realize it took them years to achieve it.

Morris Cove Mom   New Haven, CT

7:41pm on Wednesday, April 28th, 2010 

My life insurance salesman tried to recruit me. It sounded okay, as I have been in sales my whole life, but 100% commission-based sales makes even the most seasoned sales vet wary. And when he said $99 for application, then $25 per month, I couldn't like it, no matter how hard I tried. I don't trust a company that asks you to invest in them, but are not really investing their time in you.
I'm glad my agent is a success, but I don't want to be a part of anything that asks people for money, while also telling them there are no benefits, unless you purchase them!
No thank you.

tbreezy   indiana

6:15pm on Monday, April 26th, 2010 

to those individuals that had a bad experience with primerica its not fair that you blame the company in whole for your bad experience, instead you should have an issue with the individuals that you were working under (your upline). its the same as when you go to a mcdanalds in a certain area and get great service, and then turn around and go to one in a different area and the service is terrible. is it mcdonalds fault as a company that you had a bad experience? or does it mean that mcdonalds in whole is a terrible company just because you had a bad experience at one? of course not. Business is business and not everyone does business the same way. Right now primerica has well over 100,000 representatives in north america and is THE LARGEST MUTUALS FUNDS COMPANY IN NORTH AMERICA!!! now im not telling anyone what to do, we all need to make our on decisions in life and everything isn't for everyone. so just make the right choice when it comes to you and your family.

Lena   Tampa , FL

5:26pm on Thursday, April 22nd, 2010

All i can say is that i came to USA 10 years ago with 3 kids .I worked for 14 companys within 5 years and every company always focuses on 1 bad mistake you make and never praise you for 99 good thinks you do.I lost my youngest daughter 5 years ago.And she wasnt even on my policy as a child rider only 2 oldest one were.HOwever Primerica payed $ 25,000 death claim even by law they didnt had too.So i was so impressed and get involved with them.No matter how bad i was everyone in the office was so encouraging and always made me feel like i am somebody.So after 7 month of encouragement i finally passed my test and my first year i made 35,000 part time.Second year 92,000 full time this is my 3 rd year as of APril my income for 2010 is 83,000.Now tell me what company would give a chance someone like me single mom to make that much? If you believe to those negative people and make your life time chance based on there words, You defenatly do not deserve Primerica nore any successful life.If you wanna go to school would you take advise from someone who dropped of or who graduated? Some people who couldn't make in life cannot stand the fact that others found happiness.
Primerica Thank you for changing my and my kids life
Lena

Von   MI

4:05am on Tuesday, April 20th, 2010 

I have read nearly every comment on this page. A lot of these people were misinformed. Primerica is a business opportunity, it is not for people who do not want to ever leave this viscous cycle society has put in place for us. I know that I don't I plan on becoming rich through this company. And on my way to the top I will try to help anyone who I encounter. If you don't care about anything but money then please i beg of you do not join us PLEASE. We don't need you. And yes I do feel bad for those of you who had bad experiences with our company but please do not talk down on us. If I wanted to I could tell you all about the dirty little secrets that your life policies hold but I simply do not have the time. For those of you with the itchy palms ready to start but you just need a little reassurance. The best that I can say is to go for it I cant tell you if it will work but at least you will have the self satisfaction of giving it a try. But the the first step to success is to visualize your goal and keep a positive mindset things will go wrong but if you keep your head UP and stick it out only good will come!!!!! I'll see you guys at the top even if I have to look down at you!

Jeniffer   New York Bronx

5:04am on Monday, April 19th, 2010

I see a lot of responses on one question.

I it a scam?
No it's not.
What's wrong with recruiting people?
Nothing
BUT there is EVERYTHING wrong with recruiting people by making them pay.
Since when is it right to let people pay to get paid from the payment that other people paid just to join a MLM?

I've been to a lot of meetings at primerica as observer and I don't know how people can be this bad to join them.

Why some people believe that Primerica provides financial services just to help other people if all they RVP's care about is money???
I've seen houses of successful RVP's I wish all RVP's would be so stupid to show their own apartment/house.
The funniest of all is they forget the whole speech where they just spoke about their glamoures house.(wich they don't have)
They also use tactics to make it seems like everyone gets paid very well they make sure they are dressed up when there are new people to recruit in the building.
A lot of people think the clothes from the RVP's are expensive because they look good but they don't know that it's just a suit for not evenmore than 25 dollar(wich DOES excist).

I am not saying this is a scam but no one of all the RVP's who claimed to make so much money were really people who are not happy with a little bit money cause they would never drive a cheap car... They would never count every single penny they've got in their pocket to make sure there will be just enough for at the end of the month.
They would never ask their own family for money and all that...
I'm not going to call names but I can guarantee everyone that this is the truth...

If they where really a good company who provided really good financial products they wouldn't need to beg any money from those who want to make money...
Cause they would be able to win many awards and money and they could of make enough money by asking 25 dollar a month for each and every customer who they helped. I don't know a single customer who wouldn't be happy if he/she could safe at least 300 dollars a month and just giving a 25 dollar a month for the service. Their customers would always make sure they would have more costumers and instead of recruiting, it would just be getting more customers and more day by day... Those who work for primerica could still make good money...

Some people don't mind if they are destroying other peoples life by just recruiting...

Something a good financial service company would never do is saying they are making money wich they are not...
A company who doesn't matter if their RVP's lie to recruit or make young people quit school for joining this... Can never have positive intensions...

I'm not making any decisions for anyone here...
But I hope you all understand what Primerica is and if you know what's right or wrong you know wich way to choose, money isn't the best goal in life...
Cause some RVP's who made some money are really disappointed in theirselves because at the end of every month it's hard to sleep and knowing you just got paid from other peoples money who are not in a position to provide what they need to live happy...

I hope you are all awake now!

(sorry my English is not good yet English is going to be my 7th language)

I don't think a good person would be able

Jason   LasVegas

12:07am on Sunday, April 18th, 2010 

Well here it goes and I am sure many people will not understand my point of view. I hate to break the news, every job/employer is a multilevel marketing/company. You have the owner (the top of the pyramid) you then have the managers (second from the top) then you have the supervisors (third in line) then at the bottom you have the employee. Each level makes more money than the next and is only rewarded if the level below them makes a profit. So in short ALL companies have this basic structure.

If you simply look at this as being an opportunity to provide financial guidance and resources to your clients, you have more people that want to join you. I have always found that if you become an expert in your field, you will attract people that want to replicate this. Don't get hung up on the little details. Apply yourself in want ever field you are passionate about and become that expert.

I hope this helps.

John   FL

10:11am on Monday, April 12th, 2010 

Big Corps also prey on us. They downsize, they take benefits from us and they can cut our pay. Their standard response.... "At least you have a job" our standard response "Thank you sir can i have another".

I graduated college with an engineering degree. The first day of college chemistry, we had about 400 folks in class. By the end we had about 50 or so. Same thing in Computer Science. We had hundreds and were left with a few. I heard all the stories about engineering but i worked hard and graduated. I tried not to think about the numbers game. Fear is a factor but you have to overcome it.

In this life we have two choices. First we can work to make someone else rich or we can work to make ourselves rich.

So whether its MLM or your own photo studio, i wish everyone the best of luck in their quest to find ways to increase their income and enjoy the extra time it can buy you to spend with your family.

Good thing about MLM is the start up costs are low.

You could always buy a franchise but that will probably break the bank and may take a couple of years for you to break even.

Chris   San Francisco

4:33pm on Saturday, April 10th, 2010 

Can we say "Brainwash?"

I've never seen so many brainwashed responses...Believe me, I've worked for an MLM type company and all justification from misinformed, mind polluted workers are the same.. I've been there, and used to think like many of the responses. The fact is, a company like this only seems to teach what the company wants it's workers/agents to learn and they miss the entire spectrum of financial services.

I've done my research on this company. I have heard what critics have to say as well as what Primerica teaches. The truth is, if I were a misinformed Primerica agent, I of course would have the same product mindset, believing "buy term, invest the difference" is the only way to secure a strong financial future. However, I am educated in finance and I bother to read every source I can find to continually educate myself.

A misinformed agent, will misinform a consumer if convincing enough..a majority of the time, the consumer will miss out and that is really unfortunate.

For those who are out there as Primerica agents or looking to join Primerica..watch out, the opportunity MAY exist for maybe 1 out of 10,000 who make it. But truly look at yourself. Also, I would encourage staying away from a company that limits clients needs...Educate yourself PLEASE.

MLM companies pray on the weak minded,especially in this job market. So think like a strong-minded educated person and hang in there...

texas   tx

10:28am on Friday, April 9th, 2010 

Wow you just got involved with someone who didnt understand the system. Some folks just want the recruits and once they sign on they forget about them. Thats not the way the system works. You are supposed to properly train your folks. They shouldve told you to start on a part-time basis and to start with a warm market.

My main goal is to educate potential clients. I dont try to push them to buy products. I basically show them how our products can make a big difference in their lives. I take an honest approach and they respect me for that.

I actually had a rep (before i joined) who wanted me to fill out all her applications. Even though i had money to pay off one of my debts, she still wanted me to merge that debt with my home. It was obvious she was after commission. That just rubs me the wrong way.

Yes, when you are in sales its about the commission but i just dont like being pushy. I believe that if you are honest with them, you have a better success rate.

jay   vancouver

2:38am on Friday, April 9th, 2010 

im just wondering how many people that are posting here work for Primerica and just want to recruit people so they can make a small cut. i just think if they are willing to spam you with e-mails, call you when you weren't even looking to work for them, theyll do anytihg to recruit right? this job is based off finding more people! if you dont have excellent communication skills, dont even bother!

Tzipporah   Tampa

1:17am on Friday, March 26th, 2010 

So my story begins, I was previously a primerica rep...I was approached by another rep while i was shopping, and she started telling me about this wonderful opportunity. Everything sounded amazing, i even packed up and moved just for this "job" where I would be making 50k the first yr. long story short, it didnt work out, and for all you primerica reps that say oh you didnt work hard enough...thats BS! the main concern of reps is to recruit other people, so you make money off of them... out of the 9 months i worked for primerica I made 93 dollars. and i spent who knows how much, the 99 to do the IBA (independant business aplication) the 25 a month for POL (primericaonline)...they told me to put my kids in daycare so i could be at the office everyday working, so i spent 1127 for 1 month to put them in daycare, before i went totally broke, then started spending 150 a week to drive to and from my moms house (she started watching my kids for me)...i hope you get the point.
What did I actually do? I did get my license, and i was made to go to the malls, and to walmarts, and restaraunts and walk through them for hours on end trying to find people to come to the overview of the company. if i wasnt out recruiting, then i was in the office doing the other reps work (doing interviews for them, doing paperwork for them, making phone calls for them) and all that helped them but didnt put any money in my pocket...and they would only say oh well its good experience. If you are not part of primerica then they want absolutely nothing to do with you at all. if i couldnt make it to a training meeting, i wouldnt hear from anyone in days...if ishowed up, they were calling me all the time...

as a client perspective, my husband and i have a life insurance policy through them and its fairly cheap...50 a month for 175k in coverage. but they are very very pushy, and at the time i had other debt issues that i was seeking advice for, HOW DO I PAY THIS STUFF OFF WITH NO EXTRA MONEY? and the ansewer was always the same, work for primerica and you will make enough money to do it, well i did work for them and 93 dollars wasnt enough to pay off all my debt to say the least. their products are great, and the core belief system of the company is amazing, BUT they have no standards in who work for them, and that is where the problem lies...the people that work for primerica are so money hungry they could care a less what happens to the client. they are not concerned about the client at all, and they just want their paycheck...

to all primerica reps and above, START CARING ABOUT THE TRUE REASON ON WHY PRIMERICA WAS STARTED! CARE ABOUT THE CLIENT AGAIN AND NOT HOW MANY DOLLARS ARE GOING INTO YOUR POCKET!

if you are thinking about joining primerica, make sure you got a LOT of money saved up, and a TON of extra time on your hands. in just one lil month i spent about 2k on this company and got nothing in return but keep your kids in daycare longer so you can work more hours.

im sorry if this seems jumbled up, i dont really write in order, and the first thing that comes to mind is what is written at the time. i hope you all understand what im trying to say and get my point.

Great products, horrible employees!

Ray   California

11:20pm on Thursday, March 11th, 2010 

I got a call from a Primerica employee who said that he saw my resume on Career Builder. He was impressed with my background and wanted to talk to me about new opportunities at Primerica. I was skeptical from the get-go! I had a similar call from American Income Life. When “training” is emphasized over “employment” in a conversation you know it must be a scam!
No one calls you out-of-the-blue and says they have a job for you that you didn’t apply for! Not in this day in age! I’ve applied for over 300 jobs in the last year and a half and I received very few responses. Why would a prospective employer want to seek me out without ever posting a job?
And who would be impressed with my resume? I don’t have any sales experience! They only want that commission!

Fez   Chicago, IL

8:56pm on Wednesday, March 10th, 2010 

I have a full-time job to pay the bills and make decent recreational money via Primerica on the side ($1500 a month working around 8 hours a week plus $3500 a month working 40 hours a week in my job). I've been through several MLMs before and Primerica is the best one I've done. However, like all MLMs, your experience with Primerica will depend on who your RVP (business owner) and trainers are. There are unscrupulous business owners and trainers out there who would lie to you and try to pressure you into joining and/or getting leads.

So if you're thinking of going through Primerica (or any MLM for that matter), you need to ask yourself the following questions:
1. Do I have decent savings or a good backup plan?
2. Do I really believe in what I'm selling?
If you answer no to the any of the above, then it's not for you.

If you've already met the owner and your trainers, then you ask yourself the following:
1. Was I promised big and/or stable income? Please note that being promised a big income is different from being explained the income potential.
2. Was my trainer pressuring me to sign up and provide him/her a list of names and phone numbers?
3. Was my trainer and/or RVP pressuring me to get more referrals and make sales when I explained to them I have other commitments?
If you answer yes to any of the above, then you need to get out of that organization and possibly report them to the BBB.

Ronny   New York

4:39pm on Tuesday, March 9th, 2010 

The technique that Primerica uses as a way to earn an income is MLM. Their financial services arent anything special, its just that they are so big that they have a name.

All the VP's and Regional Directors are really making most of their money on recruiting. Thats why people think of it as a scam.
If you work for Primerica they will train you on how to sell products and such, but their power is in the $200-$500 Sign up fee you will pay to start with the company as an employee.
Supposed I get hired, the guy who hired me gets a cut, and the guy who hired him gets a cut also.
thats MLM. If I hire 3 guys to work for Primerica and I was the recruiter then I get something like $75-$100 a head, and anyone they refer and recruit, I get about $25 a head too.
All the "subsidiaries" of Primerica are just big recruiters that have their own lil corporation. They make it sound like a huge company and that they work for Primerica.
75% of Primericas gross income is from recruiting sign up fees. Every recruiter has a different fee and they are all negotiable. Also they do not pay a single dollar in salary. Everyone is a 1099 employee.
Go figure, if anyone is that strong of a seller, you would rather make more money if you just had to recruit than do alot of paperwork.
All the clients that you find as are cold calls. Primerica does not supply you with any leads at all. You either purchase the leads or you cold call. So there you go, the company pays for nothing & you pay for everything and do all the footwork. Everyone on top of you makes the money and one day you'll strike it rich after a nice investment of your time.
Its a hard way to make money, but a way to make big $. Most of the employees are full of BS and they just wanna recruit to earn a commission.
Its not for everyone, so just make sure you are ready for this type of fast paces job!

john   tx

12:22am on Saturday, March 6th, 2010 

So any company listed in monster, careerbuilder, hotjobs, etc. should be considered a scam because they are trying to recruit? Or any company that goes to college to recruit must be a scam? How about a company that has a HR dept?? Should you second guess them?

I know most companies in the US have a referral system. Should you consider them a scam too?

You do realize that Fidelity, Vanguard, T. Rowe Price, and all other financial service companies had to recruit and train their folks.

Even our military uses the recruit and train approach.

Bottom line. If you like personal finance this is a good opportunity. If you don't find it interesting then its not for you. Its that simple, period.

Kyle E   Iron Station, NC

5:28pm on Friday, March 5th, 2010 

This is a typical MLM scam. I have never heard of a financial services company that recruits MLM style, that were reputable. NONE of the people that I know personally that have their licensee in Life and Trading have ever attempted to "recruit" people.

brenda   Boise

1:38pm on Friday, March 5th, 2010

No thanks to Primerica, as simple as that! No thanks!

New Primerican   Mississippi

12:15pm on Wednesday, February 24th, 2010 

It has been a lot of conversation on whether Primerica is a scam/not a scam. I hate to bring religion into this, but even Jesus himself had people who thought he was a scam. I am a school teacher with a degree in Finance. And yes, every job is a pyramid even teaching. We bust our hind parts everyday with these kids. And guest who gets pay the most and the bonus when we meet/beat our goals--The principal. And guess who is oversees and is making more than all the principals in that district-the superintendent. So if you are against Primerica as a company because you think its a pyramid then you know nothing about business.

At a job you have to have to clock in/out when they say clock in/out, ask for time off, and in most cases never have the chance to be that person on top of your so called nonpyramid system. We are trained in life to go to school, get a ok paying job, and save your money in a bank. You know everyone in my family thinks like this and everyone in my family is struggling in debt as well. So you're saying do as the people who were before me? NO, you get the same results. You are suppose to learn from the people who came before you and figure out ways to better your situation.

Oh and let me address the issues about our product not being competitively price. Let's take a Kia and a Nissan. They both do the same things, make cars that get you from point A to B. Its transportation. However, the Nissan is substantially more than the Kia. So who should get the most business? Well you might ask if the nay sayers looked at cars the same way they look at insurance, then Kia should get most of the business correct? But they don't. Why is this? Because the Nissan offers its consumers a quality of life with it. The same with our product. What company do you know offers only term insurance 100%, only one policy fee per family, not five policies for a family of 3 just one fee, renews from term to term, guarantees insurability to age 95. If you have a 30yr policy and you get cancer on the 29th year, WE STILL INSURE YOU. An if you were perferred than you are still consider perferred when you renew, even with the cancer. What company does that? Life insurance wasn't meant to be for your whole life. This is a great company that cares about there clients.

Moreover, if you followed our buy-term-invest theory, you should be self assured but the option is there if you want it. And we have more to offer. We save our clients money in areas from auto insurance to long term care. We give our families options. We do what's right for our comsumer 100% of the time. We were founded on righting a wrong. I never have to worry about when I leave a family's home if I did what's right because I know my product is the best and I am willing to go to bat with anyone who is willing to compete.

Like some one once told me WE SERVE PEOPLE, WE ONLY SELL HOPES, DREAMS, AND OPPORTUNITY OF BETTER LIFE. SO IF YOUR MAD BECAUSE YOU LET YOUR OPPORTUNITY PASS YOU BY, KEEP IT TO YOURSELF. THERE IS NO NEED FOR YOU TO BASH A COMPANY THEIR AGENT BECAUSE YOU FEEL THEY'RE NOT QUALIFIED,YOU THINK IT'S A SCAM BECAUSE OF SOME DISHONEST PEOPLE IN OUR BUSINESS. THAT'S NOT YOUR PLACE. ANSWER THIS, IS THE PASTOR AT YOUR CHURCH QUALIFIED? DID HE GO TO SCHOOL TO LEARN ABOUT YOUR RELIGION? WAS BILL GATES QUALIFIED HE DROPPED OUT OF COLLEGE. BUT WE BELIEVE AND TRUST THESE PEOPLE. THE FACT IS THAT IF YOU WORK HARD AND DO WHAT'S RIGHT FOR THE CONSUMER THERE IS NO WAY YOU CAN LOOSE.

PRIMERICA- FREEDOM LIVES HERE

Rob   Drury

9:31am on Monday, February 22nd, 2010 

I rated this poor, only because Primerica, as a company, is extremely financially strong with sound (though way too limited) products. Otherwise, "dreadful" would've gotten my vote.

Primerica agents operate within a MLM structure that requires them to prioritize recruiting above all else. When someone consults with his physician or attorney, do they get a recruiting pitch for medical or law school? Primerica agents attempt to represent themselves as professionals, but the business model is far and a way the most unprofessional in the industry. Standards, training, and ethical accountability are severely lacking in a vocation that elsewhere upholds only the highest of professional and ethical standards.

Also, anyone who says that term is the only life insurance that is ever needed doesn't know much about life insurance. That is all that Primerica agents are permitted to sell.

Charles   New York

3:17am on Friday, February 19th, 2010 

I believe why some people think Primerica is a scam is because the person who invited them to the opportunity failed to mention its a business opportunity, not a job opportunity. Or they presented the opportunity as a job. If you are in Primerica, there is no need to hide the greatest opportunity in America. If people are not interested, then just move on. If you speak to a person who is seeking a job and you mislead them into believing its a job, that person is going to complain. It's going to hurt your relationship with that person and it hurts the company's reputation.

People who ask questions about recruiting have no understanding about business. Recruiting is what keep all businesses alive. A person can only work for so long, so you need new people to take over. Without recruiting, a business that is run by one person will eventually fade away. A business that is run by many people can last forever.

In Primerica, recruiting leads to financial freedom. For every recruit that gets licensed gives your business an extra chance to earn income. When a Primerica rep helps a family, he gets paid a commission. Everyone above him gets paid an override. An override is money earned from the efforts of other people helping other people. If you are a brand new rep and just got your life license, you start off with 25% commission. The average annual premium for a family is $1000/year. That means you earn $250. Your $250 is not split with everyone above you. Everyone above you earns an override. Your $250 is only split if you have another licensed rep with you during the time of the sale. A Regional Vice President earns 95% commissions (plus bonuses) on life insurance sales. So a RVP earns 70% override on representatives (95% - 25%), which is $700 (70% of $1000). You can clearly see that this business is very profitable.

Is this business for everyone? Of course not, but everyone is given the chance to build a business for themselves.

Veronica   CA

8:57pm on Thursday, February 18th, 2010 

I don't know so many people hate this company. Obviously if you join with the sole purpose to make money, then you won't make it. You have to believe what your doing is good and this company offers so many great opportunities.
I've been with the company for a year as part time and even though I'm not out there doing sales all the time, they still keep encouraging me and noone gives up on me. What kind of job keeps applauding you for failure? Everywhere I have worked, you have to do better to keep the job. Here, they encourage you and bring out the best in you.
Their Life insurance is so worth it! I'm not gonna trash talk the people that don't like Primerica, so all I can tell you is that if your thinking of joining, but aren't sure, then stop listening to other people or blogs! If you believe in it, try it! It's not a scam. Work hard and you will see that a little sacrifice in the beginning will be worth it at the end!!

Irenon   San Jose, CA

5:19pm on Thursday, February 18th, 2010 

Define a 'pyramid scam.' Since its thrown out so much.

Matthew Hall   Pompano Beach

9:32pm on Tuesday, February 16th, 2010 

What are talking about? Primerica isn't a job, it's a legal business where you got to have license to work with them.

If you are lazy ***, freaking have low or no vision you can't win with them. My brother makes PFS his life and he is doing way better than me.

I joined the business the same time as he did, but I quit worse mistake ever.

buck   TX

2:32pm on Tuesday, February 16th, 2010 

Let me see... If you want to start a business, you first have to have a product correct? Then you have to sell it. If the product is hot what happens then or if you want to step foot in another region, what do you do? You probably have to Recruit and Train. Right?? Now if this is your business and you train someone, do you give them all the profits they make?? I doubt it. The owner probably gets his fair share.

Not sure what is wrong with MLM. I mean Target, Walmart, Microsoft, Cinemark, KFC, McDonalds all started off with one office and then exploded with growth. Now do you think Bill Gates gets paid the same amount as his employess?? Nope i doubt it. The guy at the top gets paid the big bucks and the ones at the bottom much less. Thats the way business works right?? You tell me of ANY business thats equally shares its pay with everyone.

Now i feel Primerica gives you a chance to build a business. You can be your own Bill Gates. Granted if you want to be successful in Primerica, you must first believe in your products. If you don't, you will fail. You also have to know your products in order to sell too.

Same thing goes for any business.

Problem is that folks sign up for these MLM and expect to earn $100,000 a year without leaving their couch. Nope doesn't work like that either.

Ben Franklin once said that "Opportunities are often missed, because they arrive wearing overalls and look like work".

So if you believe in the products then do it. I believe that folks should plan for their own retirement. Thats why im doing this. I want to help the 30-something year olds that haven't put a plan together to properly protect their family and provide a nice cash cushion when they retire. Thats why i do this. Usually i dont have to push for recruiting. Sometimes they ask me how long ive done this and how they can do it. I just let the products and service speak for themselves. I do this because i LOVE personal finance and it shows when i speak with clients.

deb   canada

1:24am on Saturday, February 13th, 2010 

watch out for the life insurance!!!!

they will always try to sell you this first because they make most of their commission on this product. They can earn anywhere from 25% to 50% of your annual premium. So if your annual premium is $2400, that's a quick $1200 for them.

There rates are high because they have to pay out this high commission, and pay out a commission to the first upline, then to the second upline, and third upline, etc. GET THE PICTURE!!!

The client gets conned into paying sometimes 4 or 5 people's commission!!

No other insurance company does this, so other companies prices are more reasonable and ethical.

DON'T BE FOOLED
Go with a legit company that's not a pyramid.

Paula   toronto, thornhill, richmond hill

11:58am on Friday, February 12th, 2010 

No ethics or standards followed!!!!

I met with a financial planner and he pressured me into signing life insurance and was also after me to become an agent under him. Once he signed me on, he couldn't care less about training me and brushed me off to other people. By him signing me up, he progressed to a higher level and earned a higher commission. This was his sole purpose in signing me, and i wasted $99.

I tried to train with others in thornhill and richmond hill, and there was a huge lack of professionalism and standards, they treat people poorly and show obvious favoritism to people who perform well.

They made me feel very unwelcome!!!

I do not recommend Primerica for their products or as a career opportunity. You`re wasting your time. 90% of people who sign up never make a penny!!!!

Joe Louis   Lauderdale Lakes

12:35pm on Monday, February 8th, 2010 

I met a young guy about 3 months ago name Fevry Pierre. He told me and a friend of mine about a program calls debtwatchers Primerica has that powered by Equifax, my friend signed up with him. My friend found about his credit score, and more he found out that someone has used his credit. I will call him to sign up wth this program and buy insurance too.

1 of the Best company.

Cassandra Carey   Fort Wayne, IN

11:12am on Monday, February 8th, 2010 

I met a recruiter in a local Best Buy store near the Apple computers. I then had an appointment/interview with my b/f but he bailed on me so I brought my parents. My opinion on the whole thing is around a 5 or 6 on a scale of 1-10. I'm trying to do research on the company to rest my worries of it being just another pyramid scam. So far, I'm content with what I'm finding.

Deej   allentown, pa

10:44am on Saturday, February 6th, 2010

not a client but I have a friend going through the motions of employment. I have to say that in regards to being pressured into canceling a life insurance policy - it's not just primerica that does that. All insurance providers will hassle you to NOT drop their policies. I had a HUGE problem with American General when I canceled my life ins. and my Nationwide agent was really bad when i canceled my auto ins. Don't be dissuaded, this is a business they're there to make money pure and simple. I find it hard to believe that you will find any ins/financial company that will "let you go" without a "fight."

vaughn nebeker   idaho

2:22pm on Thursday, January 28th, 2010

need Jarib too show up again to get his phone number.

Christopher   Bay Area Califonria

4:07pm on Tuesday, November 3rd, 2009 

Primerica offers an opportunity to earn income. Its not quick easy money (it takes time to build any business). However the opportunity is there for those that REALLY work HARD.

Some of the wealthiest people in the country made their wealth working with Primerica or previously A.L. Williams.

Most negative comments seem to come from other Insurance agents or people that never fully researched the company.

You can search the internet for anything and find negative information about it (ford, chevy, mcdonalds, pc, apple, jesus, devil, whatever)

Christopher   Bay Area Califonria

4:05pm on Tuesday, November 3rd, 2009

This company offers some of the BEST products in their categories. If you are interested in becoming a client, ask for a RVP to give you a complete side by side comparison of the Primerica Policy vs ANYONE elses and you will see the difference.

Look into the History of Primerica and A.L. Williams. The company was built on the foundation of always giving the BEST advice and providing the best products 100% of the time.

Just like any company, some representatives are better (or worse) than others.

This is NOT a get-rich-quick-company. They do use multi-level marketing as their marketing plan, but that's it. The Insurance and Securities industries our amongst the highest regulated industries and a business that DOESN'T follow the rules gets shut down very quickly. Primerica has been around for 30+ Years. The history of the company is amazing. Read the book "Coach" by Art Williams, this is a great read the will help educate you on Insurance Industry and how they have been robbing the public for years.

Will   Florida

11:55pm on Monday, November 2nd, 2009 

I just today had my interview for Primerica. Compared to my full-time job in a grocery store, this company is a great opportunity. I have a part-time teaching job that I can continue on that pays well.Working at the grocery store, my teaching hours are limited due to my work schedule. If I get my licenses and this opportunity fails, I at least have the licenses to be able to get a job with a finance company or insurance agent. For me, this opportunity is worth the risk. If anything, you only pay 99 dollars to get three licenses-my teachers certification is 75 dollars a certification!!!! If anything, this opportunity gives someone a real world view of how banks make their money, and how much of a sham the banking industry is. For example, did you know that the banks get a 12% yield on your money that is collecting 3-5%? With this program, your investment gives you a 12% yield, the same a bank gets. You save money by consolidating your bills into your mortgage-which is what every American should be able to do-one payment, and let someone else worry about what debtors get what. Plus, you won't spend your money foolishly, because Primerica doesn't allow you to spend your money foolishly. You don't see the money, for it is invested in yourself. Is this the greatest company in the world. Absolutely not!! Is working for Primerica a risk? Isn't working construction a risk? Isn't working for a bank a risk? Isn't driving to work a risk? If you want a secure cushion job, go work at a grocery store bagging groceries. Get paid lousy pay, work every holiday, weekend, and during all weather, and be miserable forever. My only recommendation is to at least have a second job on the side, to at least help you generate some income until your Primerica business takes off.

Robert   NC

10:19am on Friday, October 30th, 2009 

Matt - UT, You need to call Primerica directly, your agent will not cancel the policy for you. Primerica will require a written request to cancel your policy. Check your state insurance laws, you may be entitled to receive a refund in premiums paid if you cancel within your states "Free Look" period. Primerica is full of dirty agents only looking to make a sale, they could careless about their clients. The agent will enjoy his charge-back as he repays his commissions back to Primerica.

Lori   NYC

8:07am on Friday, October 30th, 2009 

I have been a client of Primerica for 5 years now and just recently decided to join the company a few months ago as a part-timer. I have learned so much it is incredible. Just got my license and I have made enough money to make ends meet as a single parent and continue my college education. I will continue with this company because it is the best decision I ever made. Everyone is different. And what's good in my eyes may not be in yours! What I benefit from this will not be the same thing you benefit from it. Do your research and you will understand in more ways than one that this is not a bad company. If I ever decide to leave this company, at least I can say that I have obtained a WEALTH of information in regards to finances I would of never received any where else. However, I have NO intentions of leaving! Good luck!

Matt   Utah

12:45pm on Thursday, October 29th, 2009 

Me and my wife got brought into a life insurance policy with Primerica. We decided to cancel it because we couldn't afford it and the salesman will not listen to us about canceling it. He keeps trying to convince us to go with them and that he will even compare prices with the other place we have found. We have been trying to do this for 3 days, to get him to cancel our policy. My wife even received a text message from the guy. Primerica is really pushy. Do not go with them, unless you know the person, such as a family member working for them.

Kim   Utah

9:41am on Wednesday, October 28th, 2009 

Me and my husband met with someone from Primerica. I needed to get life insurance for myself because mine expires in a few weeks due to me turning 25. I thought I was only going to be getting my own policy for myself. Instead, the guy with Primerica sat down with us and was signing me and my husband up for life insurance. After it all happened, I wasn't sure what was going on. Me and my husband thought long and hard about after the Primerica guy left, and we can't afford. The guy I thought was figuring out how much we can afford. He signed us up for more than we could afford on our budget. He met with us for 2 1/2 hours, which was a waste of time. He was trying to convince us that we should even start working for them because we could make a lot of money. He was trying to even sell us more things then that. Primerica is just like a salesman. They try to sell you on something more than what you need.

Anthony   NC

3:23pm on Friday, October 16th, 2009 

Ryan - MI, Per the IBA agreement you signed w/ Primerica authorizing them to draw your $99 application fee (and $25 per month fee), this money is FULLY Refundable as long as you have not enrolled in any of the online licensing courses. Read the IBA agreement it will explain how to recoup your money. Be prepared to fight for it as they will try hard to not refund it but per the agreement they are obligated to. Good Luck

Ryan   MI

2:46am on Thursday, October 15th, 2009 

Two days ago, I met with an RVP at Starbucks and got "smoothed talked" into filling out an application and handing over my credit card number to pay for license fees. I'm a college student who was looking for some decent income and experience in finance, and this opportunity seemed great. That night I told my dad about it, and he told me he knew people who were scammed into joining this company as well. After doing some research online, i quickly felt like i had been taken advantage of and called the rvp the next day to let her know that I would not be working for them. Does anyone think that she will still send in my application, resulting in me being out $99 for my ignorance? (She mentioned that she overnights the paperwork every Wednesday. We met Monday night and i called her Tuesday morning)

J   IL

9:15am on Tuesday, October 13th, 2009

How can people you get off the street to work for you with no background (schooling/degrees) call themselves financial advisers plus they themselves are in financial disarray - what a joke! Lets pull the credentials on the employees who work for Primerica to see how many of them have the right to give out any type of financial advise after a couple of seminars.

George Nobles   Austin, Tx

11:04pm on Monday, October 12th, 2009 

Some of the most successful people in this world are business owners. The only way to make it in this hard world is to own your own business. Of course you can take your part in being a doctor, lawyer, etc, but with this you must be great in school. School is not for everyone. This company is giving ordinary people the opportunity to own their own business without any experience, any school requirements, any special credentials. But along with that, its not a cake walk. Like every other company, you have to work hard for your earnings. You have to be coachable and willing to do whatever it takes to accomplish your goals and dreams. Do you know the definition of "pyramid?" It is "when money is being exchanged and there is no product or service." Obviously the product is Life insurance, Mortgage/Credit card debt consolidation, investments, auto insurance, etc. The service would be helping families make money, save money, and invest the difference. Don't yall realize, that we have to be licensed to do this? We are backed by Citi Group. Do you think they would put their name on something illegal?? Your either on dope or dog food if you think so. Dont get me wrong, its not for everybody. If you want to work a job with an hourly wage your whole life be my guest. But if you want a chance to own your own business, help families, have your own schedule, exceed every expectation you had for yourself, and be competitive doing so, then this is for you. Not only are you given the opportunity to do so, your trained daily by millionaires in the business. Just to have them call you and consider you as a recruit, you should feel blessed. This company changed my life. And I'll ride or die for it. Yes. This is me. A regular everyday guy with the opportunity to give my life, family, and future more than it had or ever expected.

Jeremy   Utah

3:27am on Saturday, October 3rd, 2009 

the programs they offer have allowed my wife and I to have a plan on paper to reach an early retirement and a way to make extra income. We are very happy with all they have done for us.

Chris   CT

6:21pm on Friday, September 25th, 2009

As a recruit with Yes Primerica and been with a life insurance company that pushed whole life and had bad customer referral system to people that could not even afford life ins,I'd have to say Primerica is smarter and works harder by showing and explaining how many American hard working middle class people would do better if they gave up the non-essential wasteful items we indulge in and our taught how to bypass giving more money out to wasteful spending and putting more in your pocket.Also how they save you money with a plan that you would pay thousands for by some fancy financial adviser.You would also learn how to really grow and maximize savings and education accounts.Don't take my word for it till you see yourself.These people can really change middle class America:)

Fro the Hood   the Hood of hariisburg

10:12am on Friday, September 25th, 2009 

My spider feelings are standing on the verge of an amway scallawag, and a nightmare. Sounds like something for Sarah Palin.

Anonymous   Location unknown

8:37am on Friday, September 25th, 2009

The Ghetto

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

re: Maybe it was, until i read your remark.

J.R.   Orlando

1:57pm on Thursday, September 24th, 2009 

Primerica is a wonderful company to be a part of. It is based around good moral values. We help and educate families get out of debt and become financially independent. We also want to share what we have learned with others so they may choose to be a part of Primerica. It is the best business in the world. We are state and federally regulated which is a good thing. If anyone spreads bad rumors it is because they either had an inexperienced trainer (rep) or they did not work the business the way it should be worked. There really is no other company that will train you and help you grow a successful business without overhead. Primerica also pays for your licenses. You just have to be serious and want to work hard. Nothing good in life comes easy. Why work for corporate America and make someone else wealthy. Work hard for yourself and then you will reap the benefits and also help families at the same time.

Lauren   Montclair

4:33pm on Wednesday, September 23rd, 2009 

It's funny reading all the bad comments about Primerica. Very negative people in this world. However there are i am sure reps who lie and just dont know what to say. I was recruited into the business with all the facts upfront. None of us should have to lie about it, or lie to get someone to there opp nights. Thats why people feel the way they feel. What Primerica offers is a opportunity. An opportunity to better ourselves BUT MOST IMPORTANTLY an opportunity to better the lives of families out there who are being mislead by all the companies out there. There are tons of people out there who say its a joke, but the joke is them. The people who say it "doesnt work" never put out the hard work to get the results. But honestly never listen to anyone, find out for yourself. People are negative out there and because they arent successful they try to bring others down. But hands down Primerica is awesome and changes the lives of ourselves and our clients. WE ARE CRUSADERS, and crusaders NEVER DIE>

Texas Truth Teller   Houston, TX

3:19pm on Monday, September 21st, 2009 

All I can say is, as a licensed insurance agent for more than 7 years, and having done the "MLM/Network Marketing" thing, if a "life insurance company" has to utilize MLM to market it's product, something is RADICALLY wrong with that company. MLM companies try to "pretty up" what they're about with all of their slick PR campaigns, seeking to recruit "reps" and deceiving people into believing that the MAIN thing they "market" is the product, when the reality is, what they are really "selling" is the "upline" and the whole pyramid scheme. I am still researching as to the ratings of the company and whether the "life insurance" they sell is legit, so as to know what I'm competing with when a prospective client has Primerica for their life insurance. But from the "sales" side, I would NEVER want to represent such a company. STAY AWAY FROM THIS! AVOID IT LIKE THE PLAGUE! No matter HOW good MLM companies try to razzle dazzle you at their meetings, MLM/Network Marketing is NOT worth it, especially in today's unstable economy!

Mace   unknown

11:05am on Monday, September 21st, 2009 

I'm in the process of getting my life license and wanted to see if this company is good or not...after reading all the goods and bad...I guess I have to see it for myself. I don't like to listen to what others have to say and I don't like to be fooled by others so I'm gonna give it a try despite the fact that most of the bad comments are probably from people who are either too afraid to make a change or maybe haven't even thought of giving it a try before even criticizing the company.

i8nycity   Arkansas

11:53am on Thursday, September 17th, 2009 

I was contacted by a recruiter who got my # from an ad I had posted on Creigslist for drum lessons. He was very vague about what the job actually was, and promised at least a $20,000 a year part time job. He used the "interview" tactic on me and never once mentioned the fees for taking the classes. He also never mentioned that the job is commission and that the business was a pyramid. Frankly, if the recruiters have to be dishonest just to get employees, I'm not interested in working with them.

Josh   US

11:52am on Monday, September 14th, 2009 

It's amazing to work for Primerica. I was recruited around 6 months ago. The person who recruited me is nowhere to be found, he just quit but I stayed. Ever since, I have been able to triple my old salary as a computer programmer. However, it does take a lot of effort and dedication, this is also not something for everyone. Some people "have it" and some people don't. Some of those who don't "have it" can obtain it, if they put some effort, the rest, it's not their time and it might never be.

D.M.N.   California

7:39pm on Friday, September 4th, 2009

One more thing. I have read how some of the recruiters had treated, or mistreated, people and how dishonest they were with them. I was a little upset that I was not told on the phone what kind of company it was. But after meeting 4 staff members, they are the nicest people you could meet and they do really want to make a difference in people's lives. They told me not to worry about recruiting. If I chose to do so later, then fine. But to think of the people I would be helping and how this would help my finances. I was also told not to quit my full time job. They thought it was great for me to have a full time job I love and maybe do this on the side to help others. Thank You Primerica S.C. Team!!

D.M.N.   California

7:35pm on Friday, September 4th, 2009 

I work in retail and have been in retail management the last 8 years. I am a 33 year old single mom. I took a phone call at work and helped a customer on the phone with a few things she was looking for. Unfortunately, we did not have them. She told me she was part of a start up business. A few days later, a rep, her boss, called me at my work from Primerica and asked if I would come in on my next day off and just talk. I did not know at the time that it was Primerica. Had I have known, I might not have attended today. But the funny thing is, I was "recruited" several times by several different people working for this company about 10 years back. I did go and "interview". At that time, I did not like what I saw. And also at that time, it was all about recruiting. Today, as I walked through the door, I was pretty sure I knew what I was in for. To my delightful surprise, my mind was changed. It is no longer a focus on getting as many "recruits" as you can, but instead a focus on helping others as well as yourself. Though I did not have the $99 today, I was invited to go to some of the classes they offer for free. I will be attending!! If I like what I see after, I will join. I will have to work hard!! But then again, like I said before, I work retail, so working hard is natural. :)

That 1 Guy   Layton, Utah

1:31pm on Thursday, September 3rd, 2009

-k- well I'm not to sure were to take this. But with my level of communication abilities I do have to say that my first impressions of the company are a little poor. I'm not to sure how the recruiter got my email but he did and he emailed me with what was almost to open for an offer of employment.

I hope you don't feel like this is Spam. We are very careful to whom we contact about this opportunity. It is a highly regulated industry, and we are very careful to follow all guidelines.
You might want to use this opportunity as a temporary position until you find what you want.
What we have is an opportunity for you with Primerica Company which you would be able to choose your own hours, develop a situation where you could own your own business or just work a long with an existing office, full or part time. There are some licenses involved, and we pay for all of the licenses for you. What we strive in our people is to be educators, in the financial arena. This could work out well with an existing occupation, or as a full time position.
It would be a pleasure to speak with you.. Do not respond by e-mail, it is not monitored.
Call 801 XXX XXXX
Have a nice day,
XXX
To there advantage in this situation, the economy sucks and some of us really need the work. I can tell you though that if I have to pay anything at all to work for any company. I'm not going to work for you. People work because they need money not because they want to invest in something that may not be anything at all. With that being said I'm going to leave my email for open comments. I'd like to hear from people who actually know about Primerica Company. Is it worth it, I'm not sure but I'll let you know after my interview tomorrow afternoon. krimson3673@aol.com

Please make sure you include a ref. to the subject or it may get deleted. Thanks a Bunch to spam mail. Don't we get enough wasted paper on our home mailbox!!

pebbles   Atlanta, GA

10:49am on Thursday, September 3rd, 2009 

The reason people (such as myself) who have negative comments is because they are dishonest about their approach in recruiting. If nothing else, that in-of-itself tells me I don't have to have anything to do with them. A woman called me last week saying she found my resume on the web and was looking for someone to help "recruit and train" people for their new office they'll be opening up in the area. This gave me the impression this is a salaried position for someone with my skill base. When I got there, I walked into the waiting room for my "interview" and was handed a clipboard with 1 page to fill out w/ some of my current info., references, and yes/no q&a's. So I go into the so called "interview" and am asked a handful of questions, some typical for an interview. Then told I should come back for one of their Opportunity sessions to learn more about the company. SCAM!!! That is a completely dishonest way to do any kind of recruiting. This is why a lot MLM's get a bad rap. They play people for stupid and take advantage, rather than just being up front an honest about their business. I have no desire to work for anyone who operates a business, any business with little or no integrity. That's why they get a bad rap!

SAMii   LCP Texas

11:05pm on Tuesday, September 1st, 2009 

It does seem strange to be offered a job out of the blue by a rep in a bookstore! [my story] .
On the other hand, it does seem like a cool opportunity. You help people with investment ideas. You may even give them real good tools to get out of debt. I mean how many people really see a 6-figure salary and get to enjoy it before they are 60, besides athletes, models, etc.
I want to do right by people. I don't want to make money off of people as they are recruited into my company, if I will even make the money.
Maybe 'Paul', the rep that approached me, will make my money and I'll still be broke. It's confusing. I think I may tell 'Paul' no thanks and see how friendly he is then. Please give real feedback. No cussing or propaganda, please. Just the facts.
P.S. After going to an info session, and only because I am woman of my word, I did notice that they do spend a lot of time recruiting and not so much talking about how to get out of debt.
and just FYI- I asked my dad about Primerica and he said that before they were Primerica they were another company, then they got sued and changed their name to Primerica. Just a thought. Of course things change.

Danny   Mesa,Az

11:57pm on Tuesday, August 25th, 2009 

I think Primerica is a good opportunity for those who have "the heart" to do it. It has great people,good products and a means to make a good living. I have discovered for that's it just not for me. You have to gather names for referrals,warm call people and recruit all the time. I understand this is how things are. If you are OK doing this,this is the opportunity for you. If you like setting up appointments and going to people home,then come on in. Bottom line it is about helping people with their debt. But at the same time it's selling the products. Keep that in mind.

Frank   Miami

3:28pm on Monday, August 24th, 2009 

Primerica has hands down changed my life and the life of my team. It's given us all an opportunity to work for ourselves and make what we would only be able to dream about. Theirs always going to be those few that never put any effort into their business and quit cause they couldn't bare to stand seeing their team moving forward with motivation that unfortunately they did not have. Remember, this is not for everyone, theirs just some people out there who need to be told what to do and when to do it by. Primerica as a whole can at least go to sleep at night knowing that what we do and offer is the best thing for people. I end with this, so many people are getting screwed over(pardon the language) by all the so called big time trust worthy companies yet funny enough after knowing that those same people still continue to do business with them. Do yourself the favor of bringing down your wall of pride and sit down with a Primerica agent if you REALLY care about your family and your finances, trust me we are your only hope,Guaranteed. To all my PFS fam, see you guys at the top!

tim   utah

1:17pm on Saturday, August 22nd, 2009

I have yet to meet or hear from anyone with negative comments about Primerica after getting licensed and actually following this system. WHERE ARE YOU? What right do you even have to knock something before you've tried it. I mean really tried it. Are you gonna tell us that it was impossible for you to get Life Licensed (life insurance license you slow ones)? You're either lying or too stupid to pass. And if you can't tell us that than why are you even talking? I'm open to criticism but know what you're talking about first. Stop being lazy, pick up the book, study, get your license, USE IT, and then tell us with confidence that you have tried Primerica and still think it's a "scam". Til then, quit talking trash.

Nate   WI

12:03am on Friday, August 21st, 2009

I am looking into this company and tonight my girlfriend and I attended a meeting there. I went over some material with my recruiter and did the $99 thing which I am extremely nervous about. I did ask about getting it refunded and asked if i sought legal action against them would I be refunded? He said that wouldn't be necessary that I would be refunded with no prob if I changed my mind.

The whole deal is a great oppurtunity but also is too good to be true type of thing. My girlfriend noticed that if these guys are making such good money, why are they dressed so tacky and seem more like used car salesman? I am very nervous and wondering how this will pan out. Please, if you have blatant, aggressive negative comments i do not want to hear them. Also, if you have blind praise for the company please don't respond as well. I am looking for feedback from contractor's who have worked with Primerica for at least two years or more and what type of experience they had with this company. Thank you

Eric   Burbank, CA

11:29pm on Wednesday, August 19th, 2009 

The best analogy I can think of for our business is real estate. If you don't have superb communication skills, drive and knowledge in your field (or in the case of a new person, the willingness to learn) it most likely isn't for you; though you can gain these traits through time and effort. Anyhow, our company operates like a real estate company in the way you have a broker and an agent. Yes, the agent does the field work and the broker still gets a cut because he taught the agent and has given him the opportunity to even BE in the business. Is that a "pyramid" scheme or a scam? Because that is exactly how Primerica operates.

I. Gentle   los angeles

6:57pm on Tuesday, August 18th, 2009 

Wow, it's amazing to read all the negative things people have to say about Primerica. Most of these statements have no basis at all. From reading these postings, I see that most of the negative comments lean toward calling the company a scam or a pyramid scheme. Pyramids are illegal and one of the main elements of a pyramid is that you can never earn more than the person who recruited you in the business. Not true here, as a matter of fact the highest paid rep in primerica, has been in the business 30yrs and earns 5+ million/yr. Guess what? That's almost 3 million/yr more than the guy that recruited him in the business 30 yrs ago. Try that somewhere else namely corporate America. Impossible. You must also be license in the state you do business in, by that state of course. Those who complain, do so because it's NOT a scam or a get rich quick scheme. When they realize they will not get rich quick, but instead get paid exactly what they are worth, it's painful for them so they lash out by trying to down the company. for most people it is hard to understand free enterprise. For some people 100% commission base business means the sky is the limit. For others they think scam. Don't get me wrong, corporate america is ok if thats what you want, But the days of the great corporate job with the secure benefits and great retirement plan has long been replaced with layoffs and downsizing. Not to mention that most people would never have the corporate job anyway for lack of the perfect resume. This company was built on doing whats right for the consumer 100% of the time; period. Buy term insurance and invest the difference. Something the rest of the financial service industry knew about decades ago but chose not to market to the population.(they make a lot more, selling other products that are less beneficial to the consumer). As far as the business... the opportunity is available to those who have the burning desire to build their own business and do something great. Uh oh, i must say this; not all will qualify, felons need not apply, also lazy cry babies....don't waste our time or your time. You will only disappoint yourself and turn around and blame the company for you not winning. I know this posting is long, forgive me. I will leave you all with this, I have no problem with skeptics, thats life: what i do have a problem with is people who complain just because it has become first nature to them. Think positive and your outlook on life will be better. Primerica delivers...I have been a client since i was 19, I am now 37. To those who are looking at the business opportunity, Please know this upfront... this business may be the hardest thing you ever do, but if you are coachable and remain plugged into your R.V.P you will win. And for the rest who say it a cult just because we clap and are excited at our business overview... i feel sorry for you. Maybe life has sucked all the excitement out of you. Try to hang around some positive people, it feels better. I do it all the time.

Fat   Oregon

4:31pm on Tuesday, August 18th, 2009 

Primerica is not a get rich quick scam. No it is not easy. But it is doable! It's just like anything else you do! You get out of it what you put into! Oh and to the idiot that thinks it a pyramid. Um define pyramid scheme for me. Amway is a pyramid. aflac is a pyramid. team national, direct buy. etc

acepkr   Maryland

11:28am on Tuesday, August 18th, 2009

To NuNu of Durham, NC:
So let me get this straight. You instruct potential new suckers to join Primerica and post back on here about “How Primerica changed your life.” But you denigrate those who have tried it by the blanket statement that they must be “broke”. So if those people who after implementing your instructions report back that they don’t like it, according to your logic they must be broke also. It’s more likely that you and the majority of Primerica agents are broke and/or struggling. I’m sure there are stats out there that can prove this. But why don’t you provide the stats to the contrary for those people whom you just instructed.

Anonymous   Anonymous Location

11:43pm on Monday, August 17th, 2009 

As many other posters have noted... Trust your gut. In a day and age where jobs are hard to come by, these folks are pushing jobs a plenty, just sign up and start making the "big bucks". My interview pitch was like an infomercial, "what will you do with all the money as it rolls in?" I am a bit older than most, and the interview reminded me of the big push back in the 80's with Amway. My experience then, was a friend who invited me to his house, to push Amway. He was less concerned with the products, and more concerned with how many of my friends I would commit to giving him phone numbers to. It was all about getting as many people as possible into the system, to keep the business "start up fees" rolling in. That is exactly what is going on here.
Sure, debt consolidation may help people, but a good product sells itself. A good product does not rely on a steady new supply of sales people.
As I said, trust your gut. You don't see car salesmen asking you to come join the dealership for a reason. It cuts into their legitimate share of commissions.
What is going on here, is a business model that solely relies on a constant "fresh" supply of new recruits, to survive.

NuNu   Durham,NC

4:38pm on Sunday, August 16th, 2009 

To those that have been apart or thinking about being apart of Primerica, please do not get discouraged by these negative, ignorant, and retarded comments by these "broke" individuals on here. Try Primerica and come back in a few months and give your testimony on how Primerica has changed your life.

Olya   Reston, VA

4:56pm on Friday, August 14th, 2009 

I have been with Primerica almost a year and I still think it is the best opportunity most people would ever come by. All of our offices are independently owned, so I imagine there may be some reps who do not get proper training and may misrepresent the opportunity in order to get you to listen. However, our office is built on honor and integrity. I have two Masters degrees and over 12 years of experience in the higher education and non-profit including management positions - I would not pursue an opportunity that conflicted with my ethics or which was a scam. My husband earns $100K annually and he is now pursuing Primerica business with me part-time as we are planning and are on track to replace his income by the next May so that he can quit his job and build our business full-time with Primerica. You will never be able to accomplish this working for someone else, Primerica gives you business ownership and a potential for unlimited income. My advice - do not listen to what people say online because everybody has their own experience. If some bitter unemployed broke or lacking vision person wrote a bad review which prevented you from exploring for yourself and learning from people who are successfully pursuing this business and are willing to coach and mentor you, than you only have yourself to blame for not having more than you have. Do not be afraid to get more information for yourself and by yourself, not through someone else's eyes.

Anonymous   FL

11:11am on Friday, August 14th, 2009 

I'm upset that so many people have made a decision on no information. You need to go and see for yourself. All these comments of bad reps, you have to understand that the newbies get excited and commit "verbal vomit" on a business they do not fully understand yet. Primerica is a business for those who already see themselves as winners. Hard working people willing to be taught how to run a business and make BIG money. Stop taking other peoples words, especially if their life is considerably worse then yours. They went, they thought they would never succeed in the business so they inform you that you will never succeed in the business. Stop being afraid to take a chance at a better life and in turn helping others.

anonymous   san diego, ca

9:40pm on Thursday, August 13th, 2009 

i joined primerica about 6 months ago. At first it was the best opportunity i had ever gotten, we were going to "help" as many families. I dont know what happened but the next day it was all about sales. i do understand it is a SALES CAREER.. but the agent that recruited me had me calling people i didn't even know or who i had never talked to and made me tell how awesome customer service they had and that i had a position available for them. For several days.. i sat for an hour or two making phone calls and lying to these poor people until i decided i didn't want to do it anymore. They also discourage education...they say is not even going to take you anywhere.. and in the "fun" meetings they scare you by saying that either you are a "winner" or a "quitter", the career and the company might be good.. but the lack of ethics that i saw with my own eyes makes primerica into a terrible company.