Comments on BUSINESS COMPLAINTS , BUSINESS SCAMS , BUSINESS REVIEWS: Primerica

google.. GRANDIZERCASH you will thank me and as fo...

2012-02-05T18:00:12.847-05:00

google.. GRANDIZERCASH you will thank me and as for NYSE if the price is right they will allow anyone in the stock market they are affiliated with big BANKS ...

google.. GRANDIZERCASH you will thank me

2012-02-05T17:58:28.963-05:00

google.. GRANDIZERCASH you will thank me

Well done!!

2012-01-31T12:45:04.928-05:00

Well done!!

Primerica fools new recruits by offering them a Fa...

2011-09-26T09:09:03.643-04:00

Primerica fools new recruits by offering them a Fast Start Bonus that requires 3 recruits and a subscription to life insurance and credit report checks.

Most Primerica newbies will purchase the life insurance policy for themselves and pester their friends and family to join Primerica for $500 bonus which doesn't get paid until the representative gets licensed.

I went to a primerica meeting last night and remem...

2011-09-01T10:20:05.448-04:00

I went to a primerica meeting last night and remember very well all of the information that was said. I would just like to point out that all of the comments that provide positive feedback on this blog say EXACTLY what the speaker said during the meeting. The exact same words, in the same order and with the same "primerica-is-awesome" attitude. I'm sketched out.

And for the person who said that everyone making bad comments towards primerica does not put a name and whatever... it was clearly stated earlier by many people that there is no way to write our names.... then they signed their names. Also, nobody wants to make the mistake of writing an opinion and then potentially being sued for it so no one is going to write "John Smith, 1234 Asshole Street, Smalltown, Country" okay?

In continuation, 8. http://www.thestreet.com/sto...

2011-06-09T22:07:12.818-04:00

In continuation,

8. http://www.thestreet.com/story/10503052/1/the ... -companies.html (not an anonymous blog or thread)

The Street lists Primerica as one of the top 22 strongest life insurance companies.

9. http://www.youtube.com/watch?v=oLUuim4LiVU (not an anonymous blog or thread)

Primerica's co-CEO is interviewed on the floor of the New York Stock Exchange by Elizabeth MacDonald on Fox Business channel.

10. http://bestdistancelearning.info/tag/company-with-most-6-figure-earners (not an anonymous blog or thread)

Administration at Best Distance Learning announces that Primerica is the company with the most six-figure income earners ($100,000+ per year) in the United States.

11. http://www.ripoffreport.com/reports/0/029/ripoff0029926.htm (not an anonymous blog or thread)

Rip Off Report did their own investigations on the negative comments posted on the site only to discover that Primerica's competitors were underhandedly trying to falsely incriminate the company. If they're doing it on this site then there's a pretty good chance that they're doing it all over the internet with articles, blogs, and threads.

12. Talk to some of Primerica's 6,000,000 (approximation) clients and talk to some, of the 100,000 (approximation) licensed people working in Primerica, who are having success.

Conclusion: Primerica has a great reputation outside of the underground conspiracy network which mostly consists of anonymous blogs and threads.

OR

If you're looking for information on Primerica with just the intention of finding so-called justification to talk yourself/someone out of it, you should just type Primerica into Google and choose to believe what certain people have written.

Did you find this page by googling? If you'...

2011-06-09T22:04:32.428-04:00

Did you find this page by googling?

If you're looking to research Primerica instead of just intending to find so-called justification to talk yourself/someone out of it, you should click on:

1. http://www.primericabusinessopportunity.com/public/businessopportunity/primerica-strategic-partners.html (not an anonymous blog or thread)

Primerica is partnered up with: Lockwood Advisors, Legg Mason Global Asset Management, Invesco, Pioneer Investments, AGF, MetLife, Morningstar, etc.

After googling, there is an obvious underground conspiracy network rumor that Primerica is a scam or just a plain shady company. If that's a fact then God must have pulled a pretty good shade over the eyes of all those big name companies/people. Don't they know? Are they just unaware? Did they not bother checking the company out? Did they not think to google and believe what they read? Do they know that Primerica is a scam and are they just willing to jeopardize their important reputation too? Scams in the financial industry are researched extensively, put out of business, and will probably be heavily charged.

The above paragraph also applies to numbers 2 - 11 that follow that are all third party pieces. The first link above is enough but some people who like to research want to know more and more. Was Primerica just successful in putting a blindfold over the eyes of everyone working in these companies/organizations?

2. http://www.bbb.org/atlanta/business-reviews/financial-services/primerica-in-duluth-ga-6985 (not an anonymous blog or thread)

The Better Business Bureau has accredited Primerica and given the company an A+ rating.

3. http://www.thefreelibrary.com/A.M.+Best+Assig%20...%20f...-a088999923 (not an anonymous blog or thread)

A.M. Best Co., that has been around since 1899 and rates the financial strength of insurance companies in the marketplace, also gives Primerica an A+ rating.

4. http://www.pr-inside.com/primerica-completes-national-ethics-qualification-r1797274.htm (not an anonymous blog or thread)

Primerica has completed the National Ethics Qualification with the Insurance Marketplace Standards Association.

5. http://www.bcsc.bc.ca/Search/Results.asp?s=primerica (not an anonymous blog or thread)

Primerica is registered with the British Columbia Securities Commission. Actually, it's licensed and registered in every province and state.

6. http://www.dailyfinance.com/company/primerica-inc-common-stock/pri/nys/institutional-ownership (not an anonymous blog or thread)

Primerica is listed on the New York Stock Exchange and Canada Pension Plan (CPP) is one of the top 10 holders in the stock with over $25 million in shares. Will everyone who dislikes Primerica refuse CPP payments at retirement? Are the top 10 holders also unaware that PRI is a scam?

7. http://www.investmentexecutive.com/client/en/News/DetailNews.asp?id=57201&pg=1&IdSection=22&IdPub=209 (not an anonymous blog or thread)

An article in the Investment Executive newspaper (March 2011) rates Primerica as the top performer in terms of assets under management.

Wow, quite amazing. This company is built on a sol...

2011-06-09T09:23:29.701-04:00

Wow, quite amazing. This company is built on a solid foundation like they try to teach you to build your financial house. I have worked part time and recently went full time after working a job for twenty years. My oldest son is licensed so nobody will be able to mess him over financially. My 16 year old put 2000 in mutual funds and is putting 200 per month away. Over 5300 saved already. This company teaches you how money works. educates and empowers you to make your own decision and make commissions off of your own decisions. I now have freedom of time and money and wake up every day excited about the fact that I have an opportunity to change someones life. My family is changed forever and I wake up every day so grateful that I am part of something so special and pure. Most of the comments are from people who really have not taken the time to find out what this company is all about or expected a get rich quick with no work. Good luck with that

I find this just knee slapping funny. Fact is Prim...

2011-06-08T03:04:59.736-04:00

I find this just knee slapping funny. Fact is Primerica's cheif shareholder is Traveler's Group which is owned by Metlife, since Citi Group's collapse. ALL insurance policies they sell are underwritten by Traveler's/Metlife group since Metlife bought Travelers in 2009. The previous owner of Primerica was Citi Group. You know the biggest thieves in the world's history on record that got caught with their hand in the till. The mutual funds they sell are NOT listed on ANY stock exchange nor any financial index. Hence they are WORTHLESS!! It's a buyers beware world in the money markets. After the largest decline in history of the economy all due to these flakes schemeing money to only pay back trickling amounts on the money invested. In most of the world we call that a ponzi scheme. Which I might add 99% of all financial institutions run on. NOTHING ever gets done against them as they have so much money rolled up in their fists that, exactly like Fanny May, the treasuries of nations will crash along with mass unemployment. It's the old three card monty trick, over and over(the Wall St. version). Fact is Primerica offer NO return higher than 9% when most mutual funds offer better(not much though), but they fall short by gigantic leaps of people whom invest directly in the stock market, as they take ALL returns over the 9% offered. Just an example. Two years ago I invested 5,000.00 in Ford and GM when their stock was just $1.58(ford) and $.89(GM) and now their stock are worth $13.89(ford) and $28.80(GM), with Ford making just under 39 thousand and GM making me 158 thousand in just two years. Now you and I both know that ALL trust funds of whatever type all will keep the change as to sppeak. You would only get your cheesy 5-12% on you $5,000.00 which would only amount to $1,200.00 MAX!! The trouble isn't the companies masquerading as money houses offering you profit, it's the combined effort of the sucker whom hands thier hard earned money, to the swindlers with their hands out saying any lie to get more money from the fool. That saying, "a fool and their money are soon parted" is 110% true. I'll give you all the best advice anyone will give you(no financial institution ever will, as it'll ruin them)for your money is this... Invest your money YOURSELF in the stock exchange or other PRIVATE business ventures. Don't EVER invest your money into something like a fund of any kind unless it's your own fund, because you as an investor have NO control over what it does, just tiny returns to complete losses. I have played the markets for decades and operated several very large companies. Done extremely well for myself, so much so now that I don't work and haven't in near a decade. I live life not work it away. Sorry if I sound gruff here, but the fact is that the masses are not very clever in general throughout all of man's history, this era isn't any more clever than the last, not as one would think. In fact with these criminal empires that call themselves banks, trust companies, insurance companies being caught with not only their pants down but an offspring on the floor, just proves how easy it is in this day and age that crimes against humanity are stronger than ever. With NO punishment by the state, but rather huge payouts for the crimes commited just proves how crime pays(3.2 trillion worldwide from 2009-2011), in spite of what the state keeps telling us. Lucky for me I learnt a long, long time ago not to trust ANYONE whom only wants money and offers a pittance in return. I don't mean my money has to double, but 3-12% isn't enough!! Hell the banks charge more than that just to hold onto your money.

Web definitions of a naysayer - someone with an ...

2011-06-07T01:48:04.167-04:00

Web definitions of a

naysayer - someone with an aggressively negative attitude.

http://wordnetweb.princeton.edu/perl/webwn?s=naysayer

naysayer - one who consistently denies, criticizes, or doubts; a detractor.

http://en.wiktionary.org/wiki/naysayer. 

Personally, I don’t hate any of the following but here goes,

Google: “i hate primerica”

Result: About 315 results (in small print below the Search bar)

Google: “i hate rbc”

Result: About 1,670 results

Google: “i hate future shop”

Result: About 2,720 results

Google: “i hate fido”

Result: About 4,690 results

Google: “i hate canadian tire”

Result: About 4,730 results

Google: “i hate td bank”

Result: About 8,070 results

Google: “i hate tim hortons”

Result: About 8,550 results

Google: “i hate macintosh”

Result: About 9,650 results

Google: “i hate safeway”

Result: About 11,400 results

Google: “i hate home depot”

Result: About 46,500 results

Google: “i hate microsoft"

Result: About 374,000 results

Google: “i hate charities”

Result: About 5,620 results

Google: “i hate kittens”

Result: About 63,000 results

Google: “i hate god”

Result: About 514,000 results

Google: “i hate children”

Result: About 561,000 results

Google: “i hate sex”

Result: About 1,380,000 results

Google: “i hate naysayers”

Result: About 1,630 results

Google: “i hate chat rooms”

Result: About 18,400 results

Google: “i hate blogs”

Result: About 316,000 results

Google: “i hate threads”

Result: About 525,000 results

This exercise was done on June 3, 2011. The numbers can fluctuate.

Yes, I can see why people hate Primerica. They’re amateurs. Not enough Primerica going around to hate.

in continuation of the above, 7.http://www.invest...

2011-06-07T01:45:10.873-04:00

in continuation of the above,

7.http://www.investmentexecutive.com/client/en/News/DetailNews.asp?id=57201&pg=1&IdSection=22&IdPub=209 (not an anonymous blog or thread)

An article in the Investment Executive newspaper (March 2011) rates Primerica as the top performer in terms of assets under management.

8. http://www.thestreet.com/story/10503052/1/the ... -companies.html (not an anonymous blog or thread)

The Street lists Primerica as one of the top 22 strongest life insurance companies.

9. http://www.youtube.com/watch?v=oLUuim4LiVU (not an anonymous blog or thread)

Primerica's co-CEO is interviewed on the floor of the New York Stock Exchange by Elizabeth MacDonald on Fox Business channel.

10. http://bestdistancelearning.info/tag/company-with-most-6-figure-earners (not an anonymous blog or thread)

Administration at Best Distance Learning announces that Primerica is the company with the most six-figure income earners ($100,000+ per year) in the United States.

11.http://www.ripoffreport.com/reports/0/029/ripoff0029926.htm (not an anonymous blog or thread)

Rip Off Report did their own investigations on the negative comments posted on the site only to discover that Primerica's competitors were underhandedly trying to falsely incriminate the company. If they're doing it on this site then there's a pretty good chance that they're doing it all over the internet with articles, blogs, and threads.

12. Talk to some of Primerica's 6,000,000 (approximation) clients and talk to some, of the 100,000 (approximation) licensed people working in Primerica, who are having success.

Conclusion: Primerica has a great reputation outside of the underground conspiracy network which mostly consists of anonymous blogs and threads.

OR

If you're looking for information on Primerica with just the intention of finding so-called justification to talk yourself/someone out of it, you should just type Primerica into Google and choose to believe what certain people have written.

If you're looking to research Primerica instea...

2011-06-07T01:42:18.271-04:00

If you're looking to research Primerica instead of just intending to find so-called justification to talk yourself/someone out of it, you should click on:

1. http://www.primericabusinessopportunity.com/public/businessopportunity/primerica-strategic-partners.html (not an anonymous blog or thread)

Primerica is partnered up with: Lockwood Advisors, Legg Mason Global Asset Management, Invesco, Pioneer Investments, AGF, MetLife, Morningstar, etc.

After googling, there is an obvious underground conspiracy network rumor that Primerica is a scam or just a plain shady company. If that's a fact then God must have pulled a pretty good shade over the eyes of all those big name companies/people. Don't they know? Are they just unaware? Did they not bother checking the company out? Did they not think to google and believe what they read? Do they know that Primerica is a scam and are they just willing to jeopardize their important reputation too? Scams in the financial industry are researched extensively, put out of business, and will probably be heavily charged.

The above paragraph also applies to numbers 2 - 11 that follow that are all third party pieces. The first link above is enough but some people who like to research want to know more and more. Was Primerica just successful in putting a blindfold over the eyes of everyone working in these companies/organizations?

2. http://www.bbb.org/atlanta/business-reviews/financial-services/primerica-in-duluth-ga-6985 (not an anonymous blog or thread)

The Better Business Bureau has accredited Primerica and given the company an A+ rating.

3. http://www.thefreelibrary.com/A.M.+Best+Assig%20...%20f...-a088999923 (not an anonymous blog or thread)

A.M. Best Co., that has been around since 1899 and rates the financial strength of insurance companies in the marketplace, also gives Primerica an A+ rating.

4. http://www.pr-inside.com/primerica-completes-national-ethics-qualification-r1797274.htm (not an anonymous blog or thread)

Primerica has completed the National Ethics Qualification with the Insurance Marketplace Standards Association.

5. http://www.bcsc.bc.ca/Search/Results.asp?s=primerica (not an anonymous blog or thread)

Primerica is registered with the British Columbia Securities Commission. Actually, it's licensed and registered in every province and state.

6. http://www.dailyfinance.com/company/primerica-inc-common-stock/pri/nys/institutional-ownership (not an anonymous blog or thread)

Primerica is listed on the New York Stock Exchange and Canada Pension Plan (CPP) is one of the top 10 holders in the stock with over $25 million in shares. Will everyone who dislikes Primerica refuse CPP payments at retirement? Are the top 10 holders also unaware that PRI is a scam?

if primerica is a scam, why is it on the NYSE? And...

2011-05-31T15:18:46.769-04:00

if primerica is a scam, why is it on the NYSE? And been around for 33 years?

http://www.nyse.com/events/1270115471105.html

wow...is all i can say!!!!!!!!!!! what is wrong wi...

2011-05-27T17:22:13.523-04:00

wow...is all i can say!!!!!!!!!!! what is wrong with you negative people?! does it really make you feel that good about yourselves and help you sleep better at night?! primerica has a great business model.....no different than mcdonald's...safeway...walmart....etc..etc..the bottom line is that people who are willing to work hard and get smart climb the latter of life! so stop your damn gripe about it being a scam..because it is not! just because it didn't work for you does not give you the right to shoot it down to eveyone else that it will work for! like every other company out there whether tim horton's vs star bucks for example there is a weeding out process for the serious ones vs the comics looking to make a quick buck!!! primerica is not a get rich quick scheme for the fly by nighters!!!! it is a legitimate REPUTABLE financial services company with real insurance agents and investors just or better qualified as the rest associated with the other company's out there...seriously folks!!!! competition is around every corner....and every company at some point gets some form of ridicule thats plastered in the papers or over the news or in this case the damn internet!!! its the way the world works...it feeds off of negativity!!!! so what are you gonna do not go to canadian tire or staples anymore because someone who's had a bad experience says something really horrible?!!! give me a break! IF WE ALL LISTEN TO THE NEGATIVITY THAT SURROUNDS US ON A DAILY BASIS AND FOR THAT MATTER BASE ALL OUR LIFE DECISIONS ON IT ....WE WOULD BREAK DOWN AS A SOCIETY AND THERE WOULDN'T BE A BUSINESS LEFT STANDING!!!!!!!!!SO INSTEAD OF LISTENING OR PAYING ATTENTION TO THESE SORE INDIVIDUALS WHY NOT RESEARCH POSITIVE FACTS....NOT DIRTY GARBAGE.......PEOPLE NEED TO HAVE HOPE...OUR WORLD WAS BUILT ON STRONG TEAMS!!!!!!!!!NOT WEAKLINGS.................REMEMBER THAT!!!!THE STRONG WHO ARE WILLING TO SACRIFICE..ARE REMEMBERED FOR MAKING A DIFFERENCE.....THEY PERSERVERE!!

http://www.youtube.com/watch?v=LRyujh2Kzhg&fea...

2011-05-20T17:32:19.925-04:00

http://www.youtube.com/watch?v=LRyujh2Kzhg&feature=related

enough said

Primerica has received a lot of negative connotati...

2011-03-27T19:40:51.315-04:00

Primerica has received a lot of negative connotations towards the company by people who joined the business, but were not willing to do the work. Obviously no job out there earns you a lot of money fast. We all start somewhere and work our way up. Yes it's okay to listen to people's negative comments and views about this company, but you will never know if you don't go out and see for yourself. When i first heard of this company i was hesitant about doing it, but now that I've gone in myself to hear what they have to say it seems interesting and something that I would like to look into.

I have been a Primerica client for over 5 years, a...

2011-03-18T10:21:52.026-04:00

I have been a Primerica client for over 5 years, and my father has been a client since 1979, when they were known as A.L. Williams. I have always felt that they have had a significant positive impact on my family. Recently, I was told that I should be wary of this company, that they are a “scam” and a “pyramid” scheme, and that I should do some research on this company on the internet. I decided to do so, and this is what I found.

There are some very favorable articles that have been published on this company lately.
They have been featured on/in
-The Wall Street Journal.
-The London Times
-Fox Business News
-Jim Cramer’s Mad Money
-Wikipedia
-Google Finance, among others.

Here are some interesting facts I found on the company:

-Been in business since 1977
-Regulated by the SEC, FINRA, and the Dept. of Insurance in every state they are in.
-Maintains a positive rating with the Better Business Bureau
-Rated A+ by AM’s best, an independent insurance rating company (similar to Consumer Reports)
-Owned for 20 years by Citi, the largest corporation in the world.
-Recently went public, April 1, 2010. Traded on the New York Stock Exchange
-Warburg Pincus, a private investing firm, invested $240 Million into the IPO (Initial Public Offering)
-Before Warburg Pincus invested, they spent over $9 Million investigating the company
-The stock is up over 50% in the last 10 months, and has been called the “IPO of the year” by Jim Cramer and others.

Here are some links you can explore yourself:

http://www.bbb.org/atlanta/business-reviews/financial-services/primerica-in-duluth-ga-6985

http://online.wsj.com/article/SB10001424052702303960604575157722249937544.html

http://video.foxbusiness.com/v/4133597/primerica-ipo-soars/

www.google.com/finance?q=NYSE:PRI

http://www.ripoffreport.com/financial-services/rip-off-report-inves/rip-off-report-investigation-9cp7d.htm

As a matter of fact, this is the only negative information I could find on this company:

-Blogs, such as the one here, posted by anonymous people, who do not have to post their credentials, their real name, or anything to show that they are telling the truth, or even know what they are talking about.

I’m sure there are some people in Primerica who are not on the up and up. They are a large company. However, with all the government agencies, consumer advocacy groups, media, and investors looking so closely at this company for the last 34 years, I’m sure that if they were a scam, pyramid, or into any kind of shady practices, someone would have found out and shut them down by now.

I’m glad that I had an agent over 5 years ago. The simple financial advise they give
is going to make a difference of hundreds of thousands of dollars to my family over the next 30 years. When doing research, don’t look to the “gossip”, look to the facts.

PS: You may see this post on multiple sites, I don’t like to see any of the few good companies out there get bashed undeservingly.

L.... Don't do it! You first have to come up ...

2011-03-10T05:30:07.707-05:00

L....

Don't do it! You first have to come up with people you know who are married, have jobs, a mortgage and insurance. Basically people who would really benefit from the service. I'm not saying the company isn't legit, they are a legit company, but it takes much longer than they say to start earning money. Plus you have to take classes to get certified for insurance sales which YOU pay for. And being a single Mom, that would hurt you more than benefit you. I'm out over $200 because of them. And I had to borrow that from my Mom since I was unemployed at the time and felt this would be perfect. I went to EVERY meeting for 4 months never earning a dime. Everyone I'd try to recruit said NO. So again, you pretty much have to know enough people who could use their products AND ones willing to join their team. The few friends I have that were married with kids and a mortgage, were actually better off in their current state than to quit their jobs to have to persue this company. I also was bad mouthed to my own Aunt by my team leader. When I brought this to the attention of my friend who recruited me, everything was denied. So when I asked if he was calling my Aunt a liar, cause if so a few other family members would have loved to meet him. He told her he doesn't think I have what it takes to make it, but she might. So he was trying to recruit her behind my back. When I talked to him about it, he said he told her he was concerned about me getting started and that I seemed to be having trouble. Yeah right. Most of the people were total snots, try to be nice and say Hi and they looked at me like I should have been shining their shoes or something. Needless to say it's 4 months of my life I'll never get back and $200 I'll never see again. I've seen many people say that working as an insurance agent through JUST an insurance company earns you MUCH more cash. And you don't have to bother people to join your team! I say stay away. You bring them business and don't get paid for it. That is until you're certified to and thats ONLY for the insurance. Investments is a whole different story. And more money YOU have to pay to get certified for. I hope this helps you. Best wishes.

Vern Anderson

So im a 22 year old, and Primerica contacted me fo...

2011-03-04T21:18:48.831-05:00

So im a 22 year old, and Primerica contacted me for a Trainer position not an agent. i've heard lots of different things about the company and have never even heard about them since they called me this week. i have an interview monday, but now im not sure. im a singel mother and trying to do the best i can. Is this a good oppurtunity for me?????????? Thanks

L

And for the above, in the Term over Permanent sect...

2011-02-25T10:27:06.464-05:00

And for the above, in the Term over Permanent section, I forgot to mention that, with permanent product, don't deal with "illustrations". Illustrations are a great way of saying "Absolute best case scenario with a less the 0.0001% chance of happening". Always deal with garanteed projected values.

For Universal Life policies, check the long term (10 year+) performance of the fund/investment you pick on third party websites. Never pick a fund that has a posted performance of less than 12% over the last 10 years or since inception. Never pick a fund that is not at least 10 years old. Don't forget that rates posted on-line are before the Universal Life administrative charges are applied. Once those charges are applied, you should land in the 8%-10% range (if you have a good policy). If you pick a fund or investement that has a return rate after all charges of less then 8%, your policy will not be viable.

Phil

I am a licensed Primerica Representative in Canada...

2011-02-22T18:28:53.902-05:00

I am a licensed Primerica Representative in Canada.

Math and grammar... that's pretty much all you can trust in this industry. Remember, it's your money that Primerica or other investment/insurance representatives are trying to get you to spend. Make sure that you do your homework thoroughly... both before and after you agree to a product.

Also, make sure that you fully understand the product your are purchasing and the reasoning why a product is recommended over another.

From there, get the product that will put the most money in your pocket in the long run.

Things to watch for:

1- Term over Permanent: Ask your agent to show and explain the savings you'd be making either way. Pick the one that makes you richer and/or gives more money to your dependent. Whatever you do, always make sure that you don't under-insure yourself.

2- Short-Term or Long-Term: not all term policies are created the same. Again, check rates from various providers. Whatever you do, don't only use online quotes as many companies can bundle policies (ie: more then 1 individual under the same policy... that's alot cheaper then the quoted rate). Also, check how much you'd be saving over the lenght of time you need insurance. If you'll need insurance for 25 years, compare the price of the Term-10, a Term-20 and a Term-25. When you compare, don't forget to calculate the cost of renewal!

3- Beware of riders on your policy: Disability and Accidental Death riders are usually junk and a money grab.

4- Beware of credit insurance: unless you had a medical exam AND received a policy, you can safely assume that you are not insured and that the policy will not pay when you pass away.

As for the Opportunity: no, it's not a scam. I got $5,000+ worth of licenses and courses paid for with my $99 Initial Business Application. Everytime I make a sell, I get paid. Everytime one of my downline makes a sale, he gets paid. My overhead are very low ($25 per month)... infact that's about 1/16th of fees another firm was going to charge me monthly.
Phil

Wow I am more confused than ever!! I am a resident...

2011-01-12T21:58:37.311-05:00

Wow I am more confused than ever!! I am a resident in Canada, and recently got an email from a Primerica rep. I went to meet with her and one of the other reps at the office and they did have some good points. But I felt very rushed and they laughed after I told them how much I was paying for my life insurance currently. They said I was getting ripped off and that the agent is fooling me into thinking it`s any good for me. I don`t know who to trust anymore....

It's both sad and unfortunate that people in t...

2010-11-19T09:54:18.419-05:00

It's both sad and unfortunate that people in the Information Age won't take the time to make an informed decision on what the Truth of the matter is with Primerica. There is a chasm of difference between opinion and fact most times, and the 'advice' people generally take is from someone who is in a similar situation to the person asking- which for 95% of people in North America is BROKE.
It is a solid business opportunity that people either succeed or fail at given their desire to work towards their success. For those who have been janitors or Corporate CEO's, if you are coachable and willing to change your way of thinking (say, from the old Industrial Age mentality- go to school, get a good job, get your pension, retire at 65) yes, you can start part time & learn your way through it BECAUSE YOU ARE LEARNING FROM PEOPLE WHO ARE SUCCESSFUL NOW IN THE FINANCIAL SERVICES INDUSTRY. No one starts successful, they go through training and become successful within that system.
Ask those employees who have been at their same job for 5 years or more. Do you think they were 'successful' at their position on day one? Give your heads a shake people & take the Commercialistic BS away from your degrated minds and take a look at all the distractions in your life. Why are you complaining about your Satellite signal watching your favourite TV show while you have no savings for your children and a mortgage that is going to take you 25 years to pay off? The employment & self employment system doesn't work.
Freedom has a cost that most aren't willing to fight for- but is so worth it after you attain it.

If there is a scam company, how can it go public o...

2010-11-05T20:23:57.197-04:00

If there is a scam company, how can it go public on the NYX? Enough defence.
Also, the insurance broker who is licensed sells you crap c.v. insurance, does he/she puts her benefit in front of yours?
Last, Primerica reps do deal with client's investment, the AGF group does.
Obvesily, Primerica worth to join it.

I believe that anyone involved in an industry may ...

2010-11-03T19:30:22.506-04:00

I believe that anyone involved in an industry may do a search on what's happening in an industry so spending time responding to the original question isn't 'defensive', but a simple response.

Primerica is a business opportunity with a registered Financial Services company that has a simple model, but its not easy. If you are interested in the business side of Primerica it takes training and planning. Like any biz there are initial start-up costs ($99) and overhead ($25/monthly for online support). The term life products are high-quality and low in cost compared to cash-value products & are offered for those with no insurance or who need a more affordable insurance.

Agents are independant reps who have passed a background check. They are trained, for an insurance license, on ethical pratices, but many need self improvement to know their products and services. How many times have you chosen one franchise store over another, because of your own personal standards that one meets and another one doesn't? You don't stop shopping at that particular chain, you find one that meets your standards. That's the way you should choose to work with a financial coach. BTW Primerica agents don't have the designation of financial adviser.

Some people choose to work with a friend in training while others want an experienced professional directly (who by the way started in training as well). For JESS- A 'chargeback' happens when someone committed to own an insurance product and then cancelled it prior to owning in more that 17 months. You as the agent recv'd an advance payment on the biz and have been asked to give back the advance. Your open accounts could have been monitored by you online or through correspondence from the company. Just an example of someone, who trained and offered a product or service, but decided the industry wasn't for them.

There are many people facing a need to make a career change. Primerica is an excellent opportunity to do so. Compare it apples to apples. I challenge you to look up the training requirements for industry agents and see how Primerica compares. Remember the world isn't just how you see it...check out what's really out there. If you desire to work in the financial industry there are many avenues to choose and Primerica simply offers you a way to build to an agency rather than work inside of one.