Primerica Reviews

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.

Chris Hoven   Baton Rouge

8:25pm on Wednesday, August 12th, 2009 

This company has nothing but good to offer for any one looking to make a good are great living. The amount you make is up to you. Its also a great deal for the people needing help with debt, even if you know that you have all you bills taken care of and have no problems, Primerica can still in almost any case save you even more money and make bills "vanish". I have only been in this company for 31 days and just tuck a average family, they still had 15 year left to pay off there house and dropped it to 8 1/2 years. Now having the option to retire early. If you have herd anything bad about the company it was because the person that informed them about our company was a bed rep. and had no clue what he or she was talking about.

Thanks For Your Time,

Anonymous   Dallas, TX

7:09pm on Wednesday, August 12th, 2009 

I received a call from a Primerica Rep, but first he started the call using the Citigroup name. He continued on about a great management opportunity and that Primerica would be opening 25 offices in the Dallas area and that they would be needing people to fill those slots.

The job however was commission only of course and they really preferred me to work part time. They even offered to find me another job while I worked with them part time. I was supposed to have an interview today at 6 pm but luckily I came to this web site first and found other deceptive attempts to attract people. I have even seen some agents post here and refer to that practice as unethical.

If the reps are unethical, and they expect me to do that as part of the job, I consider that fraudulent representation. Further if they expect me to utilize that practice it could put myself in legal trouble. Primerica NO THANKS!!!

I canceled the appointment and needless to say I never heard back. I am sure they packed the meeting with job hungry individuals thinking they have a really good job offer.

Angry agent   Chula vista, ca

5:25pm on Wednesday, August 12th, 2009 

Primerica is all about making money off the people they recruit.(which is fine). However, I was not able to work with them, due to other priorities, and their kindness went out the door! My "mentor" (Sandra Setelin) refused to pick up my calls!! They delayed my refund process.. Taking me through loops. It took her 2 weeks to tell me all I had to fax a refund request. tired of the run around, I decided to go to primerica, myself, and ask another rep. He told me to just email my request and I would get my refund And I got it right away. (FINALLY). if they treat their employees like that... How would they treat their clients?!?!! HORRIBLE experience!!!!!!!!!

Satinee   Uniondale, NY

1:05pm on Tuesday, August 11th, 2009 

I am only going to comment on what I know about Primerica and that is that they have some of the most deceitful Reps working for them. I have a dear friend who happens to be out of work and needs immediate, full-time permanent employment.
A Primerica Rep got a hold of her resume and called her to "interview" for a fictitious position on management level. Needless to say, it was all bullshit. Now, I know that Primerica is a legit company, but why do their Reps have to be so deceitful. If the program or opportunity is so great, why do you have to hide behind, lying to someone and pretending to be a potential employer to try to sell them Primerica?

The rep definitely knew that my friend was looking for a salaried based, steady paid position which offers a steady paycheck. I have done some research and it is apparent to me that my friend was not the only person who has been approached by a Primerica Rep in this manner.

That's the BS about Primerica that I can't get with!!

Casey   Mississauga

12:11pm on Tuesday, August 11th, 2009 

In legal terms, Primerica is not a scam or a pyramid scheme. However, it does represent some of the worst aspects of the business world. There is no question that Primerica's recruiting tactics are misleading. And working for a small commission without a regular salary or benefits is, for the most part, difficult. I do not know any intelligent or qualified people who would choose such a prospect.

Jeff   Toronto, Canada

11:45am on Tuesday, August 11th, 2009 

Primerica is exploitative and sleazy.

Frank   Toronto, Canada

10:08pm on Saturday, August 8th, 2009 

The comment below in response to my review simply demonstrates the ignorance of the individuals who have negative things to say about Primerica. This gentleman/lady (anonymous)makes a statement like 'Pushing over priced real estate to your benefit is similar to pushing over priced insurance and mortgage products. Not caring about the consumer is a trait you can share. Perhaps you can prey on the same clients'. This person and myself have not met, yet he/she feels the need to attack my character, of which he knows nothing. I say once again, for those of you that are looking into Primerica as a viable business venture, pay little mind to the ney sayers on this site. Do your own credible research and make your own INFORMED decision before embarking on your career. It seems to me that these people who have such negative things to say - exert more effort attacking people they don't know than actually supporting their arguments with facts. Not surprising, if one can't defend their position with facts, the ONLY recourse is to attack anthers' character. It's a shame that some good people will be turned off this seemingly good company due to invalid opinions of others who likely are doing much LESS with THEIR LIVES. (By the way Anonymous, real estate agents don't control the market conditions or prices, the markets of supply and demand do this. Therefore we do not sell overpriced real estate for our benefit. I'm guessing he/she doesn't like Remax either?)

Jw   Kansas

4:52pm on Friday, August 7th, 2009 

My only comment is that the majority of the people plugging this as a positive venture, are damn near illiterate. Not sure how long you'll last but you may want to look into Hooked on Phonics. I hear it works wonders.

Anonymous   Nonya

7:14am on Friday, August 7th, 2009 

Say good bye to your friend, I am sure he will appreciate your poor advise. Not surprising an RE agent finds Primerica so nice. Pushing over priced real estate to your benefit is similar to pushing over priced insurance and mortgage products. Not caring about the consumer is a trait you can share. Perhaps you can prey on the same clients.

Frank   Toronto Canada

1:08pm on Thursday, August 6th, 2009 

A close friend of mine recently asked me to attend an 'open house' with him for Primerica. I am a real estate broker with Remax here in the Toronto area and do quite well ($350,000/year+). I have been attempting to recruit my friend to work with me for several years, however he says real estate is just not his thing.
Apparently he answered an ad in the paper, went for an interview and asked me to attend with him a second visit (the open house.) I am quite impressed with this company. I have since read dozens of the reviews on this site and it is apparent that those that are not in favor of this company have very little understanding of the Free Enterprise System here in North America. It seems Primerica operates very similar to how I run my real estate agency. It appears to be a business model of Broker/Agent which is a standard model for most real estate operations. I too recruit, train and encourage new trainees into my company, most who have no real estate experience at all. Unlike most of the apparent indivduals who post comments here, I did further research with professional affiliations that mention Primerica, and on a Governmental level, Primerica has GREAT reviews.
I have since replaced my term life insurance that I had with a competing company here in Toronto with a Primerica policy - not because it was less expensive (it actually cost me a few dollars more), however, the integrity of this company is outstanding. I have come to learn through PROPER RESEARCH that this company is the only company here in Canada that sells Term exclusively. My past life insuarance company has made several attempts to convince me to switch my term policy with them to a Universal life policy because of my income. Only a fool with little financial understanding would do this.
I appreciate the integrity of a company like Primerica that recommends term exclusively, GOOD FOR THEM! - they win my business.I have also since found out they have some of the best Segregated Funds in the industry managed by AGF. I am switching my wife's and my investments with this company too. I was not sold-I bought. I found this information on my own, not through the gentleman who ran the open house we attended (apparently called an RVP - a Broker like myself).
I have explained my findings to my friend who is looking to get started with Primerica, he was a little taken back by the amount of negative comments on this site. I suggest to him and any other individual who is looking to start a busiess with this company - IGNORE the negative, the very fact that the 'average person' out there has negative things to say means this company is probably a good place for someone to do something special with their life.
I have also read comments like "they don't even pay a salary after you pay them a couple hundred dollars to start with them" - No business owner anywhere in North America has ever had a salary based pay (unless they Incorporated their business and paid themselves a salary after they became established).
Business owners get paid business profits - a concept most employees never seem to understand.
In summary, I definitly have given my friend the blessing to start with Primerica and if I was not already well established in my own business, I too would have applied with Primerica to build a business with them.
I will leave you with a quote from Henry Ford "I would rather be paid 1% of 100 mens efforts than 100% of my own efforts" - It's called BUSINESS!! Not a Pyramid - I run my business the same way as do most other businesses in North America!!

Anonymous   NC

12:46pm on Wednesday, August 5th, 2009

I am not rating this company due to my lack of experience with them. I did go to an "interview" and a meeting and then decided it was not the right move for me.

I have read through every single post on this site including the good reviews. However, one thing that kept coming up was comparing Primerica to a pyramid scheme and the rebuttal argument being that all companies are pyramid schemes. I will agree that if you drew an organizational chart of any Fortune 500 company, it would, in fact, take on the shape of a pyramid. There are usually a handful of people at the top with the majority of the workforce at the bottom. This, however, is not a pyramid scheme.

The Federal Trade Commission defines a pyramid scheme as one that "generally ignores the marketing and selling of products and services, and concentrates on the commissions you could earn just for recruiting new distributors." This may or may not involve the selling of an actual product.

So, as you are researching this company and trying to decide if this is right for you, please try not to buy into the illusion that corporate America is a pyramid scheme. Whether or not it is the right place for you is your decision.

Anonymous   Location unknown

5:41pm on Monday, August 3rd, 2009

How did Primerica get an A+ rating from the BBB if everyone is complaining like this?

Anonymous   Location unknown

11:39am on Friday, July 31st, 2009 

Linda, Blah, Blah, Blah ... Join the cult if you like it so much. Their products are below average, you will see once you become educated. You will fit right in, a lot of their reps are ex RE Agents who were recruited when the RE market went sour. As soon as the market turns (and it will) all those people who joined Primerica will return to their RE careers. Clapping and Chanting? Sounds like a cult to me. Perhaps next meeting they will sacrifice a goat. Good Luck

Linda   California

8:34pm on Thursday, July 30th, 2009 

Hello first off let me state that I do not work for Primerica or anyone else. I do want to explain how they work and how they are not a scam. I worked in Real Estate for over 10 years and I had to pay for the training and to take my state test so paying to get accredited is not new. It is a sales job and like all sales jobs its commission so there is no base pay, there is no base pay in Real Estate, Auto Sales, Insurance Sales and so forth so no big surprise here. It is like Real Estate and Insurance in a way your own business so you make what you are worth if you work hard then you earn good if your lazy then do not expect to be paid. its not A CULT I have been to there meetings and yes they are all jazzed up and happy clapping and cheering but so what, they like what they do more power to them. In closing I just want to stress THIS IS A SALES CAREER, and you will be creating your own business so you would want others to work with and for you unless you are a moron. Let take Avon reps they sale their product BUT they also recruit reps also and how about Real Estate Brokers they sake homes but they hire agents to sale under them why you ask TO MAKE MORE MONEY. I want to just say that if you are looking to make money and have your own business and you are not afraid to contact people then sign up but if your happy in your 9-5 and want to be told what to do and when then get a job.

Anonymous   Location unknown

6:53am on Thursday, July 30th, 2009 

It is funny, all of the comments from Primerica reps sound like they are from robot clones. Must be the brain washing effect, they are all trained to think, act and speak a like.

Frank   Boston

9:36pm on Wednesday, July 29th, 2009

I think its a great company. Its definitely not for everyone but the potential is there. Everybody I know there is very well educated and are making pretty decent money.

Andrew   Alabama

9:30pm on Wednesday, July 29th, 2009 

I have an MBA and am a CFA and believe me when I say I am SO glad that I joined Primerica. I have had the opportunity make over six figures and I make a sale to 7 out of 10 people I do KT's with. Better than that I have became a major part of our community. Don't let anyone say its a scam its an amazing opportunity and it is what you make of it.

guest   sandy ut

11:38pm on Friday, July 24th, 2009 

I wonder how in the world a person who says he is making the big bucks in Primerica drives one of the crappiest cars i have ever seen among successful sales "EDUCATED" people. It was hilarious to hear him ask me right after our friendly introduction, So are you married? do you have kids? What do you do for living, (q's I did not answer) the next question i was expecting was whats your salary, if it wasn't because i stop and said I think you are getting too personal here.

Very, VERY unprofessional and everytime he would ask wouldn't you like to tell your friends about the good things we offer and send them to us? i answered with a short 'nop' and then he got agitated and said "so you dont like to tell your friends about something that is gonna benefit them?
(Repply was waaaaaaaaaaaaaay out of context) I love telling my friends about things that are going to benefit them like home remedies, like a big bargain sales in our local stores, but i thought that was up to me to make that decision in what to tell my friends and not to be pushed to say primerica is the best think has ever happened to me, up to now I would say that primerica is the poorest lamest sales strategies I have ever experienced.

Anonymous   Location unknown

4:02pm on Friday, July 24th, 2009 

Tobe, here are your facts. Primerica offers term life insurance with rates that are far higher than their competition. They will claim their insurance is "a better value" than others despite the premiums being significantly higher. Others offer the same features as Primerica as far lower rates. Primerica agents have little to NO knowledge if other life insurance products. They are trained that all other insurance is "junk", most likly they will will not truely understand your current policy (the confused look on their face while trying to reviewed it and tell you why it is bad will show their lack of knowledge.) Their mortgage project is a simple interest loan with bi-weekly payments. Their interest rate is significantly higher than a traditional mortgage with loose underwriting standard. DTI is permitted up to 60% with no disposible income requirements. Basiclly, they will approve you if 60% of your income goes to debt, this is ridiculous. If your DTI ratio is at 60% you cannot afford to live (unless you are a high wealth individual, but if you are Primerica will not be targeting you). They tell you the interest rate is not important, it is how fast you will be "debt free". This is a great concept but is not truely realistic. They will consolidate all of your current debt into one payment to try to find you a monthly savings. Most financial experts worth anything advise against securing autos and unsecured debts (such as credit cards) against your home. This is Primerica's approach to saving you money. You will pay on your current auto and credit cards for the next 30 yrs (or until your mortgage is paid off). In the meantime, most autos do not have a 30 yr lifespan so you will also be paying on your new vehicle(s)as well as your old ones, as well as credit cards that have been accumulated. Bi-weekly payments are a method of paying down your mortgage faster and simple interest calculation will reduce the total amount of interest paid over the life of the loan. You can also achieve this by making 1 extra payment on your traditional mortgage (with a much lower interest rate) each year (13 montly payments = 26 bi-weekly payments). The rest of their projects are pretty standard, mutual funds, annuities, etc. Buyer Beware, do your research and do not let their reps pressure your decision.

Toby   None Ya,

11:08pm on Wednesday, July 22nd, 2009 

Where are the customer testimonials? Not a single person came forth to talk about how great their coverage is, or the price, or ANYTHING of the sort.

Enough of the hype and the trash-talking, how about some simple facts?

Anonymous   Location unknown

3:48pm on Wednesday, July 22nd, 2009 

Scottie in MA, Congrats you are the Primerica exception. Most other reps that I have had contact with are uneducated, under informed and poorly trained.

Scottie   MA

11:07pm on Wednesday, July 15th, 2009 

I get very aggravated when disgruntled folks that tried Primerica say that only uneducated people enjoy Primerica and are brainwashed. First of all, I was a straight A student with a 3.7 GPA. So, I am not stupid or uneducated. I also had other opportunities to succeed in business. I just chose to plant my flag here.
Also, the only family I had class to me was my mum. Everyone else lives about 3,000 miles away. So, I made this business work WITHOUT using my family. I did recruit one friend but it wasn't for her and the business did not ruin our friendship.
I am aware that some trainers push people waaay too much. Luckily, I came out of an office that was about ethical and friendly service. I hope this post make people aware that you can succeed in Primerica WITHOUT having to pressure your family or friends and become the annoying salesperson that gets alienated. Don't get me wrong, I let every single person know how awesome this opportunity is, but I knew not to become a hassle. I feel that my family and friends respect me and my business for this. Tell your family and friends about this. If you don't, who will? But, also respect them if they aren't interested.

Anonymous   Location unknown

9:53am on Tuesday, July 14th, 2009 

Maria - 2 weeks and you are an expert. This is typical of the Primerica brain washing. Soon the love affair will be over after you have sold (or tried to anyway) all of your friends and family insurance and had you upline attempt to recruit them into the business (for his/her gain). Your lack of grammar and poor spelling is typical of a Primerica Agent (yall is not a word), poorly educated and poorly trained. Good Luck!

maria   louisiana

5:19pm on Monday, July 13th, 2009 

i have been with primerica for about two weeks and i love it. for those of you who are unhappy with primerica it is because yall didnt wont to do the work to get paid. i am very happy with my primerica family and i wouldnt change anything about it. primerica is not for everybody. they have people out there who is willing to work hard and there are onces who want something for nothing. for those who want to give it a try my advice to you is go right ahead you wont regret it trust me.

Justin   NC

11:21am on Monday, July 13th, 2009 

Primerica is bordering on being a predatory and discriminatory organization. They have a model that this targeted to low to middle income america, selling over priced products to uninformed consumers. Sold by under informed agents whose intent is to recruit more than it is to sell products. I cannot remember the last time I went to purchase something and had the sales person spend more time pushing getting into his business than informing me on the product I was looking to purchase. One of the main reason is that Primerica Reps lack the knowledge and experience to be truly successful at their job (yes, there are some exceptions to this rule). Ask a Primerica rep to explain why his insurance is better than anothers, they will spew forth the drivel they lean at their cult meetings (oh, I mean training sessions) with very little basis for their answer other that that is what his upline has told him (which in many cases is not accurate info you actually do research). By recruiting new "members" they are able to receive overrides without having to try to explain their below average products. Some of their concepts are good but the manner in which it is presented leaves a lot to be desired.

Scottie   MA

8:56pm on Saturday, July 11th, 2009 

I have been involved with Primerica since December and am now doing this full-time. I get paid very good for doing what is right. Hardly anyone is talking about the actual products, instead, the topic keeps getting to how we encourage recruiting.
First of all, many companies recruit. It is not uncommon for someone in a high managerial position to get "recruited" to another job. The reason that we encourage recruiting so much and even base promotions off it, is for the simple reason that the company doesn't advertise. The only way to have people know about our services is to go out and talk to people in public.
People don't pay the company $99 to start, they pay $99 for licenses which in my state normally cost $3000. So, I saved $2,900 on my licenses and if I don't want to continue working at Primerica, they are STILL my licenses.
Yes, the pay is based solely off commission. No, it is not easy for many people to work off commission. That is why we don't encourage people to leave their full-time jobs at first. What if it isn't for them? What if they just aren't good at the business? Then they still have a job and oh wait some licenses that the company basically footed the bill for.
I will agree that some offices need to change the way they present the company and how they approach potential recruits. Some people give a pie in the sky speech. But, the office has made it a habit to let people know EXACTLY what they are getting into and what they are paying for.
By the way, the PRODUCTS are excellent. The reason that our insurance is a little more expensive than other places is simply because it is better. You get what you pay for right? We are the ONLY term insurance company that lets people convert their child insurance into regular insurance at age 25 with no medical exam to prove insurability. We have a rider that says if someone were to get terminally ill, their spouse can get a portion of the money, enough to last until the client unfortunately passes away, so that the client and their spouse are as comfortable as they can be.
It frustrates me when people simply go on these forums to listen to the people who never really tried Primerica or who never understood the concepts. It frustrates me even more when agents tell people the wrong thing.
The company may not be for everyone but it is for everyone to try. Getting some extra licenses can only be seen as a good thing. Especially, when a company pays for the majority of them.
As for our company being a pyramid, well, it's called multi-level marketing. People do get overrides. That doesn't mean that the people who just got started don't make anything. As a matter of fact they start out with a 25% contract which is a hell of a lot better than any other company that works off commission. So, this is how I see it, The people at "the bottom" get payed pretty damn good for helping people. The client was never harmed, in fact, the products we gave HELP the client. And the person who brought the agent into the business gets an override because without that person the agent wouldn't even be in the business and the client may have never been helped. So, if everyone is happy and noone was screwed over, how is that a scam?
I hope that this helps.

Anonymous   Location unknown

9:16pm on Friday, July 10th, 2009

great review!!!

acepkr   md

11:36am on Monday, July 6th, 2009 

There is no base salary. Its all commissions.
You are considered an independent contractor.

Robert   NC

7:41am on Monday, July 6th, 2009 

Nick in TX, No Primerica does not offer any type of base salary (or any benefits). It is commission only compensation plan (you are an independent contractor, not an employee of Primerica). Primerica is sink or swim, if you are not selling you are not getting paid (from day 1). It is not uncommon for financial jobs to be commission based but most REAL companies will provide their employees/agents with a base salary to at least get through training and get all required licensing out of the way. Until you are licensed with Primerica you will not see one penny, they on the other hand will be more than happy to take your $99 application fee (claimed to be refundable but good luck getting it back it you decide Primerica is not for you)as well as $25 per month for Primerica Online which you are not able to fully use until you are fully licensed and approved with Primerica. You need to judge for yourself but trust your gut, I wish I did. I recommend avoiding this company. If you are looking to get into financial services there are plenty of other companies who offer opportunities that provide true structured training and training compensation who actually market their projects (other than to you friends and family). Primerica has no marketing plan whatsoever, other than word of mouth (which you can see not very favorable from most people who research and become educated about their projects). Best of Luck.

Nick   TX

11:00pm on Friday, July 3rd, 2009

I'm about to have the "second interview" at Primerica, which is actually an evening group presentation. I have a lot of doubts after reading these reviews. Can anyone tell me if they pay at least minimum rate FIXED salary??? If they don't, I'm not going to waste my evening for that presentation.

Anonymous   Location unknown

10:23pm on Friday, July 3rd, 2009 

DougLas M. CT (1st Posted at 11:19pm on Thursday, July 17th, 2008) Ok so I got involved with Primerica just to get the license. I did the seminars gave a list of all my friends, families, and co-workers (IdioT). But I didn't take the exam to get my license. I never made it that far. The 1 week of my second month they charged my bank account $50 (25 for the two weeks of the 1st month and 25 for the 2nd month) for some online site that I did not set up nor agree on. I read all the paper work. They got my banking information off of the License application form. It took a while but they credited my money back into my account. I told them I wanted no part of the company. Weeks later I receive several calls from friends and family saying "hey thanks for refering me to this new job, the guy just called and wanted to set a interview up with me. Hey told me that you said I would be a good worker. or Hey what time am I meeting your Manager for the orientation and why are'nt you coming??" I was shocked they called my family, friends, and workers and told them that I wanted them to join. WOW...... speechless

But earlier this month they sent me a letter. Saying your account has be inactive for 11 months and xxx days, I have until 13th to take my license exam or my account will be closed..... ummmmmmmmmm I still want that License... just for resume purposes....It might help me at my current job @ New Alliance Bank..........

......

Andrew Mason   Phoenix, Az

10:01pm on Thursday, July 2nd, 2009 

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

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

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

But more to the point. STAY AWAY from companies that require you to sell to your friends and families. STAY AWAY from companies that are constantly hiring. If you visit their website, their "careers" section should be hard to find (ie, it shouldn't be a huge target). Finally, STAY AWAY from companies that aren't willing to invest money in you.

The best advice I can give you is get an education. Stay away from the University of Phoenix (way too expensive). Maybe work part-time at some crap job and go to a community college and then to a 4 year public, state university.

Just remember, the higher up you enter in a company the better off you will be. Oh yeah, and STAY AWAY from companies like Primerica. Trust me, you'll only get burned.

Susan   ohio

8:23pm on Wednesday, July 1st, 2009 

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

anonymous   ontario Canada

11:16pm on Tuesday, June 30th, 2009 

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

i was curious in what they had to offer and agreed to a financial needs analysis. my friend and his trainer showed up she was very friendly at first but when i started questioning there FABULOUS products she would ignore my question and try to confund me with more information making me feel like i had to sign something right away ive learned the hard way on that. afer reviewing the FNA the numbers never made sense. she was more concerned about if i was interested in helping other families than explaining how she had got her numbers. i figured she had no idea. she repeated the same things i heard in the meeting a week before and regurgitating them over and over again telling me nothing new. she became vvery pushy and demanded why i wasnt interested in earning more money and becoming financially secure she wouldn't take no for an answer.

i dont like being takin advantage of especially in my own house before i have all the facts in front of me to make my decision. i have spent a few hours now pouring over blogs and reports and consumer reports of the good the bad and ugly and ithink the cons out way the pros.

MY advice to anyone do your reseach on these companies any companies for anything. do what is best for yourself, family, and you well being. dont spend beyond your means. then there wont be a need for these pushy companies that think they are saving the world.

Cindy   MA

4:07pm on Sunday, June 28th, 2009 

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

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

Every business is a pyramid...it just depends on what level you are on. The CEO of the company you work for is making money off of your hard work and sweat, while you break your back to make ends meat, he or she is vacationing in a far away tropical land, drinking fruity drinks. All you naysaysers have been conditioning throughout your lives to believe negatively and have let fear stand in the way of your own progress.

To set the record straight...yes, there are some idiots in Primerica...there are idiots in every corporation. As for a comment that was made about not getting paid while training...thats not the expectation...that was your greedy field trainer. Your field trainer is suppose to pay you your contract percentage based on a specific formula ONCE YOU GET LICENCED.

If any of you had spent anytime involved with Primerica, you would have been aware of the company's policies and business model. Not all Primerica baseshops run the same.

In regards to $99...that's a joke. $30 of it is for a background check. Follow the training guidelines for the first few months and you will get paid $125 for that. So you have made your money back, not to mention if you had a honest field trainer, you should have gotten something from him or her based on any business done prior to being licenced, AFTER YOU GOT YOUR LICENCE.

oh ya...and if you did pay $99 and decided w/in 90 days that it wasn't for you, Primercia would refund $69 (minus $30 for the background check). I spend $30 on stupider things everyweek.

oh ya...and primerica is going to reimburse me for my life licence(and provide a guarentee that i will pass)...that's a scam alright!

oh ya...and primerica is going to pay for my mortgage licence...another scam!

oh and how could i forget...primerica is going to pay for securities licence...something has got to be done about this company...a scam!

All governmental licensing that belongs to me, not Primerica...me....and i can take and use anywhere in the U.S.

Call me stupid...but i definatley want to earn as much money those that are currently at the top within Primerica. Will it happen overnight? No, nothing this big happens overnight...but for somebody with the right mind set and determination, it could become a reality. Even if someone doesn't make it to the top, the monetary rewards from Primerica is ridulous when compared to the amount of time and effort one has to put into helping a client.

People that get involved in Primerica come from all walks of life...it's what's inside of you that makes you special and makes you the one to succeed. Primerica is an excellcent opportunity for the right person.

Primerica=Scam   Pasadena, TX

1:14am on Saturday, June 27th, 2009 

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

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

Now, in all of my years of working, never had I been offered a job totally out of the blue, by a stranger who knew nothing about my credentials, and especially while at a store. Out of curiosity, I decided to go ahead and let her make her pitch to me. She began to tell me that she worked for a financial company. That they were interested in hiring both full and part time employees and that they hired people from all walks of life. Call me crazy, but this all seemed a little too weird. I have never in my life been in business nor have I ever been interested in that career path.

When I began to ask her what exactly her financial company was all about, she seemed a little apprehensive about letting me in on all the details. She told me that I really needed to go to an interview and that if I knew anyone else who might be looking for a job I should let them in on it also. That it was a great opportunity for everyone. Needless to say, I went ahead and gave her my number (a little extra cash never hurt anyone, right?) along with a friends number.

A day or two later, "Abbey" called me to set up an interview with her. She told me the address to her office (located on 1350 Nasa Rd Pkwy 77058). I decided to do some research before my interview, after all, my gut instinct was telling me something was wrong. Boy was I right. She eluded to mention to me the name of her company. I wonder why?? Maybe it is because of all the bad reputation it carries?

Well, in case you are wondering, I did not show up to my interview. After reading all of the previous reviews, I suspect that more than likely she will begin to call and harrass me but that's ok. That is what the "ignore" button is for.

P.S. I already warned my friend to do the same. She has a degree and is looking for a real job and not a pyramid scam.

MoGirl   Vancouver

9:44pm on Friday, June 26th, 2009 

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

Tony   NC

3:51pm on Friday, June 26th, 2009 

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

BreAnna Porter   Washington

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

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

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

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

the discussion about MLM/Pyramid scheme. Many have claimed that all businesses are multi-level marketing, and in ALL businesses there is multi-level marketing, ALL and I mean ALL businesses MUST sell a product and/or charge some sort of service to obtain a profit. It doesn't matter if it is Wal-Mart, Saks Fifth Avenue, or Microsoft. A company is made up of layers, and as you move up the chain, you earn more money, the higher you move up the more selective and less likely you will get picked. Everyone works for someone, everyone has quotas which they must meet. A rose is still a rose by any other name. A company MUST meet its break-even point or they cannot afford to be in business. Also, you must take into consideration that we are a capitalist market and we use a democratic govern, and not a communist. To complain that YOUR work produce is being used to compensate your boss/employer is a scam, then every single business in the ENTIRE world is a scam. I'm sorry, if you are trying to sell me on the fact that Primerica is a scam based on that, you're going to have to give me something more.

Another point that was mentioned was the recruiting events, and how a bunch of people are invited and attempted to be sold on the idea of a company. My one and only question to you is.... "Have you ever attended a college based recruitment event?"

Companies and firms such as State farm, ADM, Microsoft, Pepsi, Deloitte and Touche CPA firm, Ernst and Young, Edward Jones, to name a few, ALL attend campus employment recruitment job fairs and individual events to PROMOTE and SELL you on THEIR COMPANY! They do the whole rah rah our company is the best and if you want to work for the best you will come and apply to us. They invite and hope that everyone in the entire College of Business will attend, and the bigger the better, and all it is, is a sales pitch. When I was going through the recruitment process at the end of bachelor's degree, I cant tell you how many company sponsored dinners, golf outings, and other events I went to were I was bombarded with sales pitches and why xyz company was the best for me. So yeah, those 9-5 jobs do it as well.

As far as the 'brain' washing is concerned, it happens in every company, selling or other wise. Enthusiasm for the company creates loyalty and turn over is ALWAYS a concern for ANY industry. Just talk to any HR rep, or read any companies website and they will have at least one place where they are tooting their own horn. Companies all have their own 'get a-ways' conventions, promotional events.

People have complained about the 99/200/whatever 'fee' they are asked to pay to obtain the required license to operate. My husband to become a high school teacher had to pay over 1000 to become a teacher with the math and science endorsements, the basic certification, and all of the other 'crap' JUST to teach!! and that's not including the THOUSANDS of dollars we paid for his college education. It would not surprise me if i was to add up all of the numbers that his teaching license cost over 45,000. Then if you take into consideration MY education, MY license trust me, the 99 bucks to become license is nothing. I paid over 60,000 for my education THEN another 3,000 for a review course to pass my CPA and THEN! over 2000 to take all of the exams, which doesn't include the 600 application and other fees to even take the exams.

So if you want to complain about $99, then surely you haven't had anything more then an entry level job, because any type of professional occupation required certification.. and it doesn't come cheap.

Finally, as far as people not doing the job correctly and are inexperienced.. you first find me a company which DOESNT have that problem and then we can discuss that aspect. I worked as an external auditor for years, and ive seen it all, and in EVERY department in EVERY company ive ever audited.. they have that problem..

What I have been able to tell about Primerica is that they seem to be solid and I've done the research. A job opportunity like this is not for everyone, just as being a CPA or IRS agent is not for everyone. I wouldn't even begin to think about being a construction worker. When choosing employment a person needs to consider THEIR talents and not how much it pays. When you are good at what you do and you have the drive to succeed then you will. Also, I'd like to point out that NO one at the top regardless what industry you are talking about.. didn't bust their ass to get there.. and it should also be mentioned that plenty of others failed were they succeeded.

Daniel   USA

3:01am on Tuesday, June 23rd, 2009 

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

teya   new york

4:46pm on Monday, June 22nd, 2009 

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

Bob   Boston

11:05am on Monday, June 22nd, 2009 

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

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

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

Disgruntled   Indiana

12:47pm on Thursday, June 18th, 2009 

I was lured into this company about a year ago by an RVP out of Kokomo Indiana. I am a college student studying Financial Analysis and Mathematics. At first the company seemed like a great way to earn extra money and gain experience in the financial world. I signed up took the state insurance exam and passed with ease. During the entire extent of my involvement with the company I was urged to recruit, recruit, recruit which I did. After my first FNA I came to the realization of what kind of company this was. I wasted my time and money trying to recruit and sell their products which are way over priced and not competitive in the marketplace. I did not adhere to my RVPs advice that everyone needs our help, because they in fact do not. A 26 year old single man with no kids does not need life insurance, and a couple with a mortgage at 5%, a couple credit cards, and a near mature auto loan does not need to consolidate their debts at a higher interest rate. There is no compensation and no reward on the way which is unfortunate since you are spending much of your time with the company. I now have a internship with a respectable financial advisory firm and am much happier with the methods of their business structure than that of Primerica. I personally believe Primerica is for the uninformed lower class of our culture, and that their business model is designed to take advantage of the unwise.

Rudy   Sacramento

2:24pm on Tuesday, June 16th, 2009 

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

Rudy   Sacramento

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

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

Charlotte   NC

3:16pm on Thursday, June 11th, 2009 

Its a MLM SCAM full of false promises and misleading statements. The big operation in Charlotte, NC goes by Roussis International and is a joke, the office looks like a fly by night organization ready to pack it in at any minute and head out of town. The products offered are below average at best. The mortgage product is a joke and the insurance is over priced. They try to sell you on monthly savings by consolidating all of your debt into one payment monthly payment (your mortgage). Not bad if you never plan on getting a new car or buying anything again and like having credit cards and autos secured by your home. Most financial EXPERTS advise against tying unsecured debts to your home. They say they will save you thousands in interest on your mortgage thru using simple interest with bi-weekly payments. Yes, it works but there are other ways to achieve the same result, without taking on their way above market rate mortgage product and tying all of your debts to your house. Not to mention they do not escrow your taxes and insurance do don't forget to add this back to your debts (they won't tell you about this until it is too late and the loan is closed, hopefully you save the taxes and insurance money). When its all said unless you have a ton of debt your savings will be minimal if any at all. If you need a mortgage contact a bank or mortgage broker not an insurance company. Hard to see a bunch of "Financial Representatives" with little to no financial experience managing your families finances and retirement. I recommend staying away from this operation unless you have a lot of time and money to waste.

Thomas M   Meridian, MS

7:58am on Thursday, June 11th, 2009 

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

dean   bronx

10:19am on Monday, June 8th, 2009 

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

brian tuttle   dsm

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

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

Jim   Ontario

6:43pm on Thursday, June 4th, 2009 

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

Eric Jacobs   Denver, CO

7:25pm on Wednesday, June 3rd, 2009 

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

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

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

Then you have to go out and approach people outside and try to get them to sign in as well. So it's sort of a strange job. First of all you want to sell them the product but that's only half of the job, you also have to get them to join the company.

This is great if you want to have your own company and have the maturity and drive to run one. But if your looking for just a job to make some extra cash then this is not good for you.

The BIG downside is that you have to pay about $200.00 up front before at the day of hiring. Also you'll have to pay about $30.00 dollars a month for a website that you must have in order to be working there. So let's say you miss a whole month of work, well guess what you'll still have to pay about $30 bucks. Also you have to pay for your classes in order to get your certification for insurance seller or something like that. According to them if you accomplish all of the goals that they set for you, then the person that is training you will pay part of all of it. However, for a part-time job it's a lot of work to do for one month.

Overall, people can make good money out of this company if they play their cards right. If your not too serious or sure about it, then I HIGHLY suggest to invest your cash on something else. You can end up loosing a lot of money at the end of the day.

Pete   Georgia

7:53am on Wednesday, June 3rd, 2009 

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

Anonymous   Location unknown

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

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

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

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

I think Primerica is GREAT. If you do also then join with them to get the word out that there are answers for people even in this tough economy.

If you don't think they GREAT then please provide some good solid reasons why.

Connie, Glendale AZ

meme   Houston, TX

12:59pm on Friday, May 29th, 2009 

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

IDAMAN   Idaho

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

I read many of the comments. I think both sides are full of crap. The only thing the Anti's talk about is how hard you have to work – just to fail. The Pro's only talk about opportunity and reward. Both sides never talk about the SUBSTANCE!!
What is the product? Has anyone purchased a mortgage and been sorry they did? Did you have a problem with the mortgage and get no support through a foreclosure? Has anyone spoke about outsourcing mortgage customer service overseas? Nope. All this palaver is whether or not this is your gig. How selfish of both sides.
Primerica does term life insurance. Does anyone chat about the great (or deplorable) service they got with their term life policy? NOPE. You Primerica dropouts blame the base for lack of support and you that are giving it the ole college try speak arrogantly of yourself instead of your product. Sick!!
Frankly I have a job and don't give a rats ash if you succeed or fail at sales. Direct selling is a tough gig! I don't care if you peddle Grit magazine, Mary Kaye, or Primerica, sales is for a select few! Unfortunately, there are too many people who have failed to do a sufficient self-inventory to know if they have what it takes. You that allow your RVP to push you past any thinking-man's threshold for stupidity get no sympathy from me. You RVP's that push people to pursue a dream instead of reality, you should be ashamed.

Bottom line: Get off your high horse and talk product. Because whether you experience failure, marginal success or set state records, it's obvious that you would have had the exact same result if you were selling furnaces or air conditioners to Eskimos.

Sandy   Utah

7:11pm on Tuesday, May 26th, 2009 

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

Sarah   Toronto

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

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

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

As many other people have said, this company is a pyramid, but not a pyramid scheme. ALL businesses are a pyramid, and associating that word with negative motives or a cult like atmosphere is ignorant and completely narrow-minded.

I would love to see reviews that focus less on their employment policies and more about the service they offer. I have only noticed one or two that say they had a bad business experience, but it is always directly related to a close friend or relative who needed someone quickly to watch the process and begin their training. People in that situation are completely skeptical, and I understand why. If anyone has a positive or negetive experience that was refered by someone who was NOT a rep, please write a third-party review.

I am willing to give this company three months, or until I am ready to write my provincial exam, whichever comes first. At WORST I will be out of the $99 but will have a more concrete grasp of financial options available to me that will be useful no matter what line of work I end up in. At best, I'll find I have a knack for helping people, as I am not so hot on the recruiting factor. I would rather help 5 clients than hire 10 recruits.

I think people can't get their head out of their ass when it comes to businesses like this. Most people don't understand the motivation it takes to successfully make money at something this independant and instead are more comfortable at an employment level. And that is OKAY. These people are not losers, or failures or whatever else the 5 star raters claim. There is nothing decent about that attitude. I am perfectly content to be paid a wage for a set number of hours and if that is what makes you comfortable, than stick with it. But claiming a company is a scam because it is not the same scenario is just as blindly un-educated.

I understand that reviews are opinions, but at least attempt to make yours sound like it has been properly thought out. Instead I see tirades about a pyramid scheme or a cynical bashing of 'losers' who are content with a job because they don't have the aggressive attitude it takes to make sales work.

So, again, please submit an honest review if you've had an experience with Primerica's actual SERVICE and not it's hiring process. I would love to hear them.

Jake   UT

5:07pm on Tuesday, May 26th, 2009 

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

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

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

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

Anonymous   Location unknown

5:07pm on Sunday, May 24th, 2009 

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

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

On the bus, I learned that all of the other passengers were part of a 'team'. Bizarre, but the weird-o-meter didnt start beeping until the start of the convention. They started by saying that the hardest working Primerica Reps would be awarded. The reps would stand on the stage, state how much theyve made since starting to work for Primerica ($100,000+), yet were incredibly 'tacky' looking. None of the reps were really dressed for such a formal presentation. After what seemed like the 25th award, it became obvious that they were promoting the company to other 'non-employees' in the audience. Also, i can to understand that the income that they were claiming wasnt their's alone...it was merely the money they had made for Primerica.

After the brainwashing/motivational cult ceremony, we got back on the bus to head home. The team leader pulled out a megaphone and asked for all guests to state their impression of the company. i said 'you all seem excited about something, but I have no idea what you guys do exactly!'. I think this was the setup for my 'friend', who pulled out graphs, charts, and diagrams of money that I could save with primerica. then she stated I should work for them to.....as one of her recruits. Shortly afterwords, the team leader stated that reps should push their product even harder over the upcoming thanksgiving holiday. It would be convenient for them because extended family would make prime clients.

So basically, Primerica tells their reps to exploit their family and friends, striking them when most vulnerable. I've had no reason to contact my friend since. This is an awful company. simply awful.

Tyler   Iowa

9:52am on Sunday, May 24th, 2009 

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

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

I am about to make six figures with Primerica this year and I am 24, retired my wife who is having our first child this month, and am saving more money then I ever dreamed. This company is for real. Go get your information from a real source. Not Mike from a trailer park in Ohio who is broke as a joke.

Greg B.   Florida

5:40pm on Thursday, May 21st, 2009 

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

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

Doing research on the subject of refinancing my home I looked for the best deal possible. Now, Primerica was the only company I could find who did a simple interest home loan. I read through my current mortgage and found by the 15th year I would have only paid half of the principal on my home. Now, I have a lower payment, included all my excess debt, and will have my house paid for 4 years sooner. I don’t think I was scammed. Everything the agent showed me I looked with skepticism, and did all the research I could find. They helped me save money, and showed me better ways to invest my money and work for me; not just barely work for me and really work for a bank.

My agent tried to get me to join Primerica. I was some what interested but I love what I do now. My friend was the on in training, and now he is successful, but what is great is he doesn’t brag about how much he makes, but how many families he helped from financial ruin. To me sounds like an outstanding company.