Primerica Reviews

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.

Jake   NJ

10:39am on Wednesday, May 20th, 2009 

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

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

Gab   New Jersey

10:26am on Wednesday, May 20th, 2009 

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

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

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

Do not be a victim of your own life.

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

NATIBATI83   FLORIDA

1:49pm on Friday, May 15th, 2009 

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

Rebecca   Massachusetts

9:24pm on Thursday, May 14th, 2009 

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

stephanie   az

3:09pm on Tuesday, May 12th, 2009 

I started with Primerica about 4 mos ago, I researched and researched and researched some more until I was certain that i had learned every bit of information I could about the company its product etc... after doing so I decided to move forward and obtain my life license and am now studying for my securities license. I have now started to make money and plan to go full force to get to rvp. What I have found is that this company/concept is not for everyone which is the same for any business or job. Not everyone will succeed at every venture or opportunity. Only 3% of the world is what we would consider wealthy those stats are the same in primerica. I go to training every week and 95% of the people at our base shop and many others are part timers who write business as it comes to them and there for dont make much, they ont recruit and there for dont build there own business and dont promote. Majority of people require constant supervision and someone monitoring their work. You do not have that here no one gets fired or coached you dont succeed if you dont work period. This is a numbers game you could pick ten guys off the street give them a business idea and tell them to go start it and only one would succeed that is numbers! Primerica reps dont have to have masters degrees or years of experience because they are taught the right way and the right products and only offer these services there is no option to offer a consumer something bad or not in the best interest of the client period. I worked for one of; if not the largest mortgage company in the world im sure you can all guess what company that is; and in doing loans the worse the loan the more I got paid. It wasnt right but I did it for a long time. I love love money but not at the cost of ruining a families financial livelyhood. Everyone Ive done business with since offering citi/ primerica services has referred me to their friends family etc because they are truly happy with what was done for them. Bottom line Primerica is not perfect there are flaws in that sometimes you can get a bad seed that can give the company a bad name as well as any other buisness and it is a very unique model on how to run a business but they are constantly improving. I would recommend any and everyone interested to try it out and if it doesnt work out for you then hey walk away with your life license and get a job at state farm where they will pay you 28k a yr and collect the big bucks.

Jas   Brampton

1:20am on Sunday, May 10th, 2009 

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

Anonymous   texad

10:03pm on Wednesday, May 6th, 2009 

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

Anonymous   california

8:37pm on Tuesday, May 5th, 2009 

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

Skeptic Art   West Covina

7:54pm on Thursday, April 30th, 2009 

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

dee   ohio

7:30pm on Saturday, April 25th, 2009 

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

Anonymous   St. Louis

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

Interesting, not one "satisfied customer" review.

isthisforreal   az

9:42pm on Monday, April 20th, 2009 

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

The bottom line is that this business opportunity has to be treated the same as any other. There is a tremendous chance that you are going to fail, and a slim chance that you will succeed. This truth is the same for any business.

Chris   N.Y

2:49pm on Sunday, April 19th, 2009 

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

annonymous   nj

4:27am on Friday, April 17th, 2009 

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

Kay   Spring Texas

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

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

Jason   california

3:53pm on Wednesday, April 8th, 2009 

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

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

Even if you DON'T like Primerica's product, can you find anything wrong with someone who would NEVER be solicited by a securities/insurance agent being given a once over on their current situation and helped out of debt? I mean, if you are an average lower to middle income wife, how would you feel if your husband died and you had NO coverage? And what if you could have had a 50 dollar a month policy for virtually no cost because you lowered your auto by 50 at the same time?

I can see how the Primerica system can be abused, but I don't see how it's a bad company or anything. WORST case scenario, you follow all the rules, you quit, you're out 99 bucks and you have your insurance license which is a marketable achievement.

John   Gonzales

9:34pm on Monday, March 30th, 2009 

Most of the complaints that I have read about deal with 1. unmet expectations of financial freedom in a certain amount of time and 2. less than respectable treatment from those obsessed with making a good living from selling Primerica. The truth is that Primerica is a pyramid marketing business that mainly sells life insurance. People are trying to go into business for themselves. Like any other business most fail and some succeed. If you aren't sales driven or at least a good motivator then you don't need to give up your job to sell insurance. Primerica offers some sage advice financially and offers some good deals but they are what they are, neither blameless or evil.
I am interested in joining Primerica b/c I agree with most of their financial advice but I am not planning my future around making millions at Primerica. I will use it as a resource to help people out. I will have my real job (or prison as a Primerica motivational speaker called it) and do Primerica on the side. I do see, though, how important it is to my integrity to be educated on what else is out there so that I don't push something from Primerica if it is not what is best for that person.
Stop blaming a non-living thing like Primerica for the wrongs of those who are trying to profit from it. A lot of people judge Jesus Christ based on errant Christians and lots of people are turned off of truly excellent causes (like saving the environment) because of eccentric nutcases. It is the same for those who deal in insurance.

Side note - I am not comparing Primerica to Jesus Christ so get that indignant look off your face.

C.T   California

6:01pm on Friday, March 27th, 2009 

I myself worked my ass of with Primerica for 4 years and helped get my upline promoted to RVP. (Regional Vice President). Being loyal to him and his upline I went full time and kept going even though there wasn't a lot of money every month ($1200 average) 50 hours a week. 4 meetings a week, a conference call. Wow it consumed our life and they kept telling us to stick it out because we where superstars and soon to be RVP. That was a pile of ..... Once he got promoted he became a different person cause he got his $100k ring..But what they don't tell you is that it's a $100k rolling 12 - expenses and reimbursement. It's really a false dream they are selling and most Primericans have a hidden agenda. As soon as I quit, I suddenly became a bad person, according to them. They told others don't talk to him he's a bad apple.etc.. Be very careful.I left a 6 figure a year job for this opportunity. I understand that I have to take responsibilities for my own action, but a business partner will not continue to lie and see you go broke in the process and tell you that you have to pay the price while you continue to help him every month meet his $30k in premium so he can get his 30% bonus. I've since moved on but deeply regret being involved so long. Keep in mind even if you reach the RVP or make 100k a year you still have to wake up everyday and go after it. It never ends...Good luck

James   Mississippi

1:14pm on Friday, March 27th, 2009 

I can't say whether or not you'll actually make any money, but I know things sound suspicious. Many of the techniques I have read about, were used on me. The guy invites me over to the company to see what it is about. He tells me that if I had friends and family back home and told them about it, they would LOVE me. He also mentioned how savings accounts were no good, you should invest in mutual funds. He proceeded to mentioned how mutual funds have gained an average return of 12% over three year periods. Okay, is that geometric or arithmetic, and how does the invidual's return vary from year to year. If you have the option to vary your investment among debt and equity, it stands to reason that everyone won't be getting "12%" and you must be taking some risk doing so. There is no win-win strategy when investing in risky assets. Plus, they mentioned the debt consolidating practice, which I found to be fundamentally flawed. It works out like some grade school homework project. They use static numbers in their calculations, and don't account for the fact that the family may have to undertake new debt in the following years. Then, what happens to your little debt repayment schedule? Anyone with a BAII Plus calculator could figure this out. Bottom line, he kept stressing about how much money I would make, and I have learned that when someone only mentions an upside, there is usually a pretty nasty downside. Plus, the fees are $99 for the license and background check, then $25/month afterwords.

C. J.   California.

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

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

Greg   Location unknown

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

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

Bill   Evansville, IN

2:25pm on Tuesday, March 17th, 2009 

My wife and I were approached by our son about the fact that he had been recruited by a financial advisor company. We advised him to not try to sell the product to friends and family, as this is an avenue for problems. His
"trainer" suggested he line up interviews with friends and family (people he is comfortable with). The "trainer" of course was here to sell us his product. We already had a product through another company and "the trainer" (salesman) told us why it was no good and that the funds we have been investing in "no longer exist". Of course this upset both of us because we need to be secure in our retirement/life insurance product. I looked up our funds online after he left and found they do in fact exist and then contacted our rep from our company and was told that this happens every now and then when Primerica blows through an area trying to recruit hapless and out of work people. Primerica was A.L. Williams years ago. That was enough for me as I know what A.L. Williams was back in the 1980's. When I called "the trainer" on the fact he had lied to us, he began backpedaling to save face with our son. He needs our son in his pyramid, as I know he has recruited his brother and who knows how many other friends as well, into this multi-level marketing scheme (not pyramid, as they are illegal!).

RDT   AZ

1:37pm on Tuesday, March 17th, 2009 

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

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

So what should YOU do? If you want into this kind of business (and there is a need for it) contact your local community college about taking classes in order to pass the state and federal licensing requirements, then take the exams. Not only will you have college credit for the classes, you will be out LESS than if you follow a program for one of these companies and when you pass, you will be licensed to sell ANY stock, bond, insurance, commodities, etc. for ANY firm. THEN you can hang out your shingle and represent any of a thousand companies in the business. I worked in a firm one time and every one of the agents who sold for us sold for at least a half dozen other firms as well, and a few of them were grossing a million $$ a month, most MUCH less.

Of course once you have your license(s) you will not be eligible to work for a firm like this since what they want it YOUR money to attend THEIR classes! They do NOT want experienced brokers who know what they are doing.

Alicia   Michigan

3:05pm on Monday, March 9th, 2009 

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

Dee   Illinios

11:16am on Friday, March 6th, 2009 

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

sattie sharma   brooklyn, ny

1:31pm on Wednesday, March 4th, 2009 

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

CED   NY

10:34pm on Monday, March 2nd, 2009 

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

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

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

By offering me the opportunity to work in a company that I have a 1-2% chance of making money in, you're doing what Jesus would?

At all the Primerica seminars that I was dragged along to, the Bible was referred to about every 2 minutes. Jesus wants you to do Primerica. State doesn't regulate a faith, and neither do the Feds, nor is anybody morally obligated to except for those who practice it. So, legally, it is perfectly ethical and fine, but if you're a practicing Christian, it should not be.

I'm pretty sure that when the good Lord said "Thou shalt not take my name in vain," that meant not to use it to sell a business, either.

The policies offered by Primerica representatives may be satisfactory for some people, but Jesus is not Citigroup. And this might be a little bit out there, I think that if Jesus was a financial advisor, he would go over many different types of policies from many different companies before trying to sell you one. Since he was a carpenter with no experience in managing twenty first century finances, he might refer you to somebody with years of experience, an extensive education, and a vast knowledge in the subject.

As far as helping people with their money is concerned, you are offering them a mediocre policy that you know very little about and discouraging them from looking into other services that may be better for them. The other financial advice that you give them can easily be obtained from hundreds of paperback books or a short and simple chat with any working class person who doesn't have a lot of debt. It might look like you're saving homes and marriages, but there are REAL professionals that exist out there that could give better advice and likely a better policy, too. A high school drop-out off the street with 4 weeks of biased, unaccredited business training is not the appropriate person to help a homeowner with his/her finances.

In a capitalist economy, Primerica is a perfectly legitimate and legal business. But it is a business. MLMs are totally legal. Putting Jesus's name on an MLM is totally unethical.

"You can make millions of dollars with Primerica! The only thing stopping you is yourself!" Only problem is that money has to come from somewhere. You may help a handful of people, but unfortunately, you're screwing a handful of people as well. You are marketing products from a big corporation that has nothing to do with Jesus for a $0 annual salary with no benefits and make solely commission. Sure, some people make a lot of commission. But all they're doing is making money.

There is no doing the right thing or being a good Christian in selling insurance, I'm sorry. Yes, you can make money. Will you? Probably not. But please, don't tell me that taking people's money in payment for helping them (and taking a little extra for the boys above you, too!) is doing the right thing.

Because if you're really worried about a loved one's finances, you'd take your OWN money and buy them a paperback book (not a Primerica pamphlet) explaining it and let them make their own decision based on information that has not been biased, or you'd introduce them to somebody with an education and experience.

Because the truth is, many people who become Primerica reps do it because they've already failed or fallen into a tight spot financially themselves. A couple of them make money; some of them lose everything from their life savings to their families to their pride (Google it, do you think that every single one of those poor, dumb souls is lying?). There is nothing wrong with that; you're doing business. A wierd, radical, time-consuming, high-stress business, but still a business.

But you're wrong to act like a volunteer or a missionary for doing business. Business is taking people's money, baby. That's what you're in it to do: sin, not help people. Primerica's not a charity.

Krimsonandclover   Alberta

10:55am on Sunday, March 1st, 2009 

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

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

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

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

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

It's a great company.

All the bad comments I've read, are more about how that agent came off. You can't be a salesperson, and expect to make good money, people don't want to be sold on something. But if you teach them how it's possible, then they ask themselves why haven't they done this sooner?

Anonymous   Location unknown

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

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

A.L.   California

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

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

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

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

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

Lisa   Colorado

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

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

End of story??? NO

Yesterday, one of those personal references called me stating that Jared had just called her about an opportunity and that I recommended her. He actually called her at the number listed on my resume. I then called Jared and informed he had NO right to use my resume and its information to benefit himself without my permission. The screaming match was then on between him and I. I then contacted all of my references on my resume to give them a headsup. They were all appalled that Jared would have the nerve to use that information without my knowledge or permission.

So now I am researching what kind of laws are out there for misuse of personal information. If there is something, I WILL FIND IT.

Here is the kicker...Jared called that personal reference back after I hung up on him and started "back pedaling" to her, trying to explain himself, but she was on to him right at the first phone call.

I hope to god that this is the end of the BS from this company for me. But for some reason, I doubt it.

JP   California

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

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

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

Anonymous   Location unknown

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

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

Lance   Utah

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

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

Lopez   houston

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

First of all I would like to start out by saying that people are naturally scared of what they don't know, so please give me the opportunity to educate you. Primericas philosophy for more than 30 years now is why buy whole life insurance(from 0-90 yrs)when you can buy term insurance (about 10-30yrs at a time)pay less invest the difference in mutual funds and save some for retirement andor enough so that if you were to die your family will still be covered. Since the time that primerica opened, they have added other services that are much needed by struggling families like debt consolidation, legalcriminal insurance services car insurance and free FNA's. All that in one company and the orientation is free is too hard to believe huh? well its not. Think about it, why are they so interested in hiring? It is a fast growing company and doesnt have the man power to cover the demand. all businesses hire when people need help right?well lets look at the economy for a second, where is it? what dont ppl have when the economy is down? money what do ppl do when they have bills but no money? go into debt.who is primericas customers people that need financial help. thats why primerica does very well and need alot of help. theres a large but complicated system to it but over a 100,000 people are in it nationwide and most of them dont struggle in life thke me or others do.

paul   Brooklyn

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

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

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

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

James   H

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

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

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

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

Tamika L. Gaines   United States

9:31pm on Monday, February 2nd, 2009 

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

Mike   Ohio

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

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

Not knowing anything about Primerica, I went online that night and looked them up online and found out that there was plenty of controversy regarding their practices and services. I have no intention of becoming a rep, what I was most interested in was how good their services are, and are they worth purchasing. Despite the negative comments, I decided to give our friend the benefit of the doubt and hear her out (knowing that at some point, I was probably going to hear a sales pitch). I should also mention at our first meeting she asked if there was any reason why we wouldn't refer other friends or family members to her if we found the information useful. At that point, I hadn't made any conclusions about them one way or the other, so we agreed, why not?

We met again and went over the financial report, it was interesting, but for anybody who keeps track of their budget, it wasn't anything new or earth-shattering. Then the sales pitch started and she tried getting us to buy life insurance, refinance our home, and invest in their mutual funds. I wanted to know more about the cost of the services and had a lot of questions, but being new she couldn't answer them and promised to meet with us again and bring her boss with to help us out. We met a third time and I finally was able to get quotes from her regarding interest rates on their SMART loan, and information about the loads and expenses for the funds they were trying to sell. I have several friends in the mortgage and investment industries (who weren't trying to sell me anything) who I took the information to who were able to help me ask the right questions and understand all the material we were presented with.

I was able to compare their rates to other companies, and was not surprised to find out that their fees and rates were much higher than other companies, but because most people (like myself) have no clue about that kind of stuff and have no idea what questions to ask, they don't realize they are getting ripped off. We called our friend back and informed her that we weren't interested in purchasing any Primerica products. That's when things got really nasty and she demanded that we give her referrals to other people like we had agreed to in our first meeting and told us we were cheating her, ripping her off, and wasting her time. She really laid the guilt trip on pretty thick and was very unprofessional about it.

My wife and I feel bad for her, but have a hard time understanding how things went from "free" to "you're cheating me". We both felt like she was trying to take advantage of us and manipulate us to buy something. It's not like we are saving $5 by going somewhere else, we're potentially talking about thousands of dollars here. I would not recommend their services to anybody.

poff   pa

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

I am still in the "thinking" process of joining Primerica. The reason I'm still in the "thinking" process is because I'm still researching the opportunity. Opportunity is exactly what it is. Not a job. I've spent several days and many hours researching this opportunity through the internet, on forums such as this one, I've even attended the meeting. I lost my job due to downsizing, so did 110 other people because they shut the entire facility down due to the economical situation. I don't ever want to have to go through that situation again, which is why I am pursuing a "career opportunity" such as primerica. I've compared this company with many others, all of which are basically the same. The only issue is are you willing to put in the effort to make it work for you, rather than you working for it. You can't start a career with the mind set that its going to be "easy" money. I watched a biography on Bill Gates the other night, and if you had any idea what that man had to go through to makes his business what it is today. Understandable he was a prodigy and was born a genius, but thats beside the point, it was his drive and compassion for what he was doing that made his dream come true. I have come to the conclusion that you don't need to be a "genius" to work for primerica, and I know that is some people eyes it makes the company look unprofessional by allowing undereducated people the "opportunity" to excel in a career that most would believe requires a degree of higher learning to achieve. Quite honestly, who cares where your knowledge of the business and/or its products comes from, as long as you possess that knowledge and utilize it for the better good, as well as pass that knowledge along to the next guy. Its a free education. As far as the whopping 99 bucks capitol, which pays for your $400 Insurers license and later on your $1200 mortgaging license, why not. We've all spend more than a hundred bucks on things a lot stupider than that. You're not paying primerica to let you work for them, you're paying to acquire the tools necessary to create a business that will work for you. As far as being a pyramid, explain one "job" or career in this world that isn't pyramid based. Even if you own your own business, you pay your employees minimum wage to sell your products for you, while you're getting paid twice that in return. But its not like your just sitting back and letting them do it all, there is still "behind the scene" work to be done. eg..payroll, shipping, ordering, researching for new products and services to help your business soar. So really whats the difference. If I recruit someone, I give them the training and knowledge necessary to succeed then I should be entitled to my cut of the profits earned by them. They then also have to opportunity to recruit and have people work under them, and so on. Again, I am still researching this "opportunity", but i can tell you that all the people on here acting a fool and trying to ruin an opportunity for someone who actually does care about themselves and other people, actually gave me the drive to further pursue this opportunity. Take the time to research and educate yourself, and have enough personal drive and motivation to do something for yourself and make things happen, rather than expect things to happen.

Steve   Brampton

8:42pm on Sunday, January 25th, 2009 

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

Thank you.

Tim   South Bend

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

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

Here's what I know: I am a MUCH, MUCH, MUCH happier and more balanced person now that Primerica is not a part of my life (or should I say doesn't consume my life). I once again have real relationships with my family and friends, because not every conversation I have has a hidden agenda. I get to listen to music I love in the car, rather than tapes and cds for self-improvement--the same thing applies for books. I am pursuing the things that I am passionate about and enjoy RIGHT NOW, rather than waiting until I make it, so I can "Take the Rest of my Life Off." I am cultivating relationships with people I love right now, because the truth is in 5-15 years they might not be alive (or they may have grown up and don't want to hang out with me anymore).

I am rebuilding my financial life as well. My wife and I are in the process of finishing up filing for bankruptcy because of the ridiculous sacrifices we made. We made them because we were taught that "business owners make sacrifices." "If you want to win big, you have to sacrifice big." Were we coachable? To a fault. $30,000 in credit card debt coachable. $30,000 in credit card debt doesn't happen overnight, but when you are full time in a business where you average about $1600 a month in actual cash flow, and put out about $800 a month in business expenses, how do you put food on your table with anything but plastic, not to mention go to a RETREAT or a SEMINAR half-way across the country? You might ask, what kind of idiot would keep this up for 3 years? He must be missing part of his brain. Probably the part that is meant to sense danger or feel pain. I ask you, what kind of "leader" let's their down line continue on like that for three years?

Do people make it in this business?? Sure. I've met quite a few of them. A few thousand people making over $100,000 a year might sound pretty awesome, but really think about what that is. Over 30 years, a few thousand people wear a ring that says they GROSS $100,000 a year in Primerica. That's before you take away office expenses. That's before you pay your secretary. That's before you go on a trip. That's working 50,60,70,80 hours a week. Don't forget pretty slim odds of even doing that. The company recruits in the neighborhood of 25,000 people every single month.

Was there anything good that happened to me in the process? Yeah! You can learn from every single thing that happens to you good or bad. I read some really helpful books. I learned some great things about money. I met some great people, who I still definitely consider friends. I learned to value TIME. I learned to ask questions before I jump into things. Leadership. Public speaking. I learned to dream. I have a brother who won STATE partly because of some of the things I taught him while I was in Primerica about setting goals.

If you have a really shitty job, and you hate your current life, I would definitely encourage you to get active and change the things you don't like. Will Primerica definitely be your place to do that? Probably not. It might be the kick in the pants you need to get off the coach and go for something, but it is not the only way to improve yourself (although you will be taught it is the only way to win in life if you stick around for too long).

Good luck in discerning what to do. Will I hate you if you take the bait hook, line and sinker? No way. I drank the Primerica Cool-aide for 3 years straight, and lived to tell the tale.

Damon Douglas   Detroit, MI

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

I will have to start by saying this, "I am not a Primerica rep, nor do I intend to be one." I say that, because I actually plan on becoming a full service series 7 stockbroker. What difference does that make? You can't get a series 7 with Primerica, and you are limited to mutual funds and insurance. However, I will say that Primerica is an EXCELLENT opportunity. Most people that think of Primerica as a scam are those that do not have the initiative, drive, or sales aptitude required to be successful with this business. Another reason that people balk is because of the cost that it takes to get started. I hate to tell you this, but if you want to be a STOCKBROKER, an insurance agent, a rep that sells mutual funds, you have to be licensed, and YOU have to pay for those licenses and training. Like another posted stated, it's usually people with the 9-5 job (Just Over Broke) mentality that don't get it. Some people actually do need to be told what to do, when to do it, and how to do it. THIS Environment is for people that are self-starters, self-motivated, and can handle their business without having a supervisor breathe down their neck telling them what to do. I'm going to further say that I also have a job (I have a business too, just not Primerica). My job pays me pretty decently (and yes, it's also a sales job). I make $13.96 an hour plus commission. My hourly rate makes me about $30k a year. My Commission makes me about $50k a year. Which would you prefer? It's the commission part that makes the money. I personally can't see myself ever doing a regular job (Just Over Broke) that limits my income to so many dollars per hour and only so many hours per day. Those of you that are bashing the company need a paradigm shift. I suggest reading a book like, "7 Habits of Highly Effective People" by Dr Steven Covey. You might just get what other people see in this wonderful opportunity. If I were not going for my series 7 license, I most truly would.

none   Murphy NC

8:09pm on Friday, January 23rd, 2009 

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

robin   denver

4:27pm on Friday, January 23rd, 2009 

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

Very Happy   Miami

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

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

Gigi   Miami

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

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

Rob   NY

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

Those PFS guys are ignorant as to what they are supposed to be doing. They listen only to their RVPs (who have a agenda) and they have no idea they are being taken themselves along with all their clients paying high fees for run of the mill policies.
They have no freedom to do the right thing because they are forced to sell captive products only. They are not competitive because their premiums on insurance and mutual fund loads are high with little to no great features. They actually think the features they have are good because they know nothing of other, better products outside their domain which they cannot access.
The agent commissions are capped. They get paid the lowest commissions so that their upline gets a big spread and they retain no true ownership of their agency. They even have to give up a portion of their agency in order to get an RVP promotion. Most of them cannot recruit in other states without a networking contract that is not favorable for the recruiter.
If you are under the misconception that they are about finance you would be wrong in my opinion because they are more MLM than financial stuff.
That company's future is very uncertain now that they have been named as a non-core asset by their owner and may be sold.
Most of their agents have little to no real training in finance. No disability, no fixed annuities, no impaired risk life, no health insurance to offer and they know nothing about wealth preservation.
They target friends and family precisely because they get less resistance. Just know that most of them have never had any prior experience in finance. As such they cannot compare themselves or really know if what they are doing is good since they have no prior frame of reference to compare to.
They believe they are the best only because that is what they hear from their own people.
In my opinion make sure you do your research before you sit with any of them. They are very excited to make sales because they are brain-washed with all kinds of excuses to push their limited products.

SUCCESSFUL   Universe

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

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

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

Former Rep!   USA

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

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

Elizabeth Lucky   Ontario

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

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

Ace of Spades   Michigan

1:20pm on Friday, January 9th, 2009 

I had been approached by a close friend to check the services out. Well to help her with training and all to get her more further into getting license. Absolutely I was always up for helping a friend out and lending a hand for education her in her career.
I am very successful at what I do now and am silly with spending my money expecially at 6 figures. eeek.. oh well.
So here we go... She came over with a gentleman, no I will not even place names, very nice kind and all. Went over all our finances etc to lay out a Analysis. All right I felt she was learning alot to help her excell in her career. Next thing he wants to set up another appointment to show me the results.... All right I was curious to what the results were.
Well of course I was a little shocked and set back however the advantages he threw at me for joining them at Primerica and all. I told him no way I have too many hats to wear right now let alone needing another one.
So we went over all the debt elimination and much more. I did not get impressed when he started bashing my Agent I currently have that has our Insurance set up, Roth IRA's, Life insurance and so on. To the point of wanting my Actual policies along with my statements for my Roth IRA's....
Then again he started asking for SSN#, DOB, CHECKING ACCTS!
uhhhhhhhhhhh I was here to help a friend out. Once I have now seen these reviews and the research placed online and the negative remarks not just from past employees, current etc. I am set back very far in my seat for this. I immediately requested that all my checking, ssn# etc be removed NOW from their hands. Even placing a copy in my inbox due to any funny business.
I am bummed out that being taken advantage of by a friend, especially for me trying to help out with her success. I was thrown in the pitch.

Well as to say from the current employees for Primerica and past, it does take a certain breed to be successful in Sales etc for what Primerica has to offer, however....... Defending a company in such a harsh way for the comments posted above has caused me to fully walk away from taking on Primerica as an option from a clients view. Resolving a problem or expressing yourselves in more of a positive way is the best way.

I really had to place my opinion here for which I was there to help a friend. Now they don't stop calling and says they are shocked that I stepped back. I had no intention of buying, purchasing anything from the company. Don't make me feel bad for walking away which I have never had the intention of taking on any products in the first place.

Kate   Texas

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

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

Scott   Gainesville, GA

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

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

Mrs. Taylor   bronx

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

No negatives, just my experience. Read before you leap…
I’m a 32 year-old person who has excelled in my studied field. My husband and I jumped at the opportunity to go through a FNA and were thankful for the education and financial services. However, at the end of the FNA, I found myself recruited. No worries I thought because I was excited to present families with the financial education and services that were offered by representative. When this business opportunity presented itself, I was completely open to the possibilities. I generally tend not be negative by nature and have a strong faith in dreams and possibilities. However, after several months of trainings, leadership schools, speaking with teammates and overall observations, I realized that I lacked the marketing and aggressive skills needed to make all my hard work paid off. My concern is that I was initially sold the idea of helping people, but then quickly graduated to a recruitment officer. Because I was “coachable” and believed in the prospect of hard work and sacrifice, my car turned into a personal taxi, sometimes carrying up to 5 people at a time throughout the Bronx, Manhattan and long island. I spent countless hours following up with people, talking to strangers, attempting to keep my team motivated, reading books, listening to company tapes, etc. To say the least, I was consumed with the business opportunity and wanted to help people (my full-time job is a social worker, so provided help in financial areas made sense). But somewhere, the focus of helping people was replaced by recruiting and developing a team, by my RVP. The frustrations of having to chase people, follow up, cheerlead, motivate, nurture, develop, etc became more demanding then my full-time social work job. More so, the pressure of always having to deliver was not part of my innate make-up – and I am o.k. with that. If one has a tenacious and aggressive spirit (which are great assets in some line of work) then this is a great opportunity. You have to be relentless! Another observation that you might want to think about before you leap, is that it is really hard to recruit (especially your friends and family members). You are told to focus on your “warm market” (friends, family, coworkers, husbands friends, etc), but it’s hard to convince people to change their course and join your crusade. Lastly, if I have not been clear, it is a lot of work. Understandably, nothing comes easy and imbalance is typically the lifestyle choice of the wealthy, but know that you have the support system and time to put forth the effort. In total, I made about $400 for an exchange of months of work. Why you might ask? People signed on to my team, but then flaked; chare offs; turning people off; people not returning my calls; missed appointments; etc. Hope this helps. Feel free to call me at work, 718-618-2490 if you have any questions.

chicago   Location unknown

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

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

Lena   NY

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

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

Chris   Tx

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

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

Luis   Los Angeles, CA

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

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

Now I'm not saying Primerica doesn't have their bad aspects because they do, but nobody is perfect! And every job has its bad and good aspects about it. So if you want to go from what you hear, that's fine. But if you're like me and like to see things for yourself and make decisions based on YOUR OWN EXPERIENCES, then I would suggest looking into Primerica yourself BEFORE expressing negative views upon it!!!!!

Jim Hanes   California

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

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

jack   detroit, michigan

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

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

Shamus Scannell   Brockton Ma

8:43am on Monday, December 1st, 2008 

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

jessie   hawaii

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

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

"Dream Again Team"   Idaho

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

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

Wil   FL

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

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

BH   TX

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

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

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

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

ann   ontario

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

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

uncle bob   here

4:50am on Monday, November 3rd, 2008 

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

Nathan   Boise

6:30pm on Sunday, November 2nd, 2008 

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

Peaches   Location unknown

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

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

Peaches   Ga

1:50pm on Saturday, November 1st, 2008

I really don't think this is a Scam. You don't have to continually recruit people...you get yourself together a good team and work with that. You can do more if you want, but you can still do really good with a smaller team. But you also provide financial services and that is where you make most of your money. They pyramid scheme people are talking about..if it was one, you would earn your money off the ppl you get to join. Also, I see where it gets a lot of bad reviews and ppl don't want to do it b/c when someone thinks of "stay at home" job, they think they can just sit on their butts all day and make money. That is not true!!! NO MATTER WHAT JOB YOU HAVE, YOU WILL ALWAYS HAVE TO PUT THE EFFORT INTO MAKING THE MONEY YOU WANT TO MAKE!!! There is not one job on the plant that lets you make money and do next to nothing. You have to get out and be sociable at some point to make money!! How much money you make in any jobs depends on how hard you have worked for it. And you will bust your butt for any well paying job. The only thing I see that I have a problem with here...is that when working for this company...YOU ARE the middle man. That is why it's as easy to get as it is. YOU do the paper work for the company (i.e. citibank). I give it a good review, b/c it's not a scam...it gives ppl the opportunity to be their own boss, make the money they WANT to make and truly be on their own schedule.

Andrew Jaurigue   San Jose, Ca

12:01am on Sunday, October 19th, 2008 

Program Rating can fit anywhere between 1 and 5. It all depends on what kind of person you are..


Just to put things into perspective -

1) Pyramid Scheme? - McDonald's is a pyramid. McDonald's - Franchise Owner - Manager - Supervisor - Shift Leader - Other employees.

Mortgage companies are pyramids. Century 21 - Brokers - Agents.

Corporate is a pyramid. Chief Officers - Directors - Managers - Other employees.


2) Primerica doesn't offer a job. It's an opportunity. With a job, you're limited to what you can/can't do and how much you can/can't make. With an opportunity, you decide what you want to make of it. If you're one who would like to settle, then Primerica (as a rep)is NOT for you. Primerica reps need to understand that it takes a flip of a some switch to the turn the light on. It just doesn't turn on by itself.


3) What is taught in our San Jose, California base to succeed with Primerica (as a rep) is follow 3 things - 1. Be Honest 2. Work Hard 3. Don't Discriminate. A big focus in our base shop is to also simply Educate. Educate, educate, educate. Whether a product is provided/sold, there's no loss. At least another individual/family is educated with different options available to improve their financial situation through a complimentary, no-fee Financial Needs Analysis. The products will sell itself.


4) There are also good apples and bad apples. For all the bad apples, get out of the business. You're not doing yourself a favor. You're ruining your own reputation, Primerica's reputation, and you do not or have not fully understood the concept of building a profitable business through knowledge and trust.


5) Everyone has different perspectives on life's situations. The best thing Primerica can do is simply educate the different options available to help improve one's financial situation. It's up to the clients/potential recruits to make a decision of what they would like to do with their life. As long as you don't close the opportunities for others to learn and be more financially educated, to be debt free, and financially free, then you've done your part.

At any rate, if you know and feel that you've done all that you can to save and make income to satisfy the lifestyle you want, then kudos. You're all set..

If not, go see a Primerica rep. :-)

Anonymous   Your Town

11:01pm on Thursday, October 16th, 2008 

I agree with some of the posts about Primerica employees-I guess they will hire anyone. As far as people being called lazy for not wanting to do a certain job, that is ridiculous. Should I call you lazy because you do not want to do what it takes to flip burgers? Does that make you a better person? Many of you act so religious, but what about "thou shalt not judge." (That only refers to people and not companies.) And is it too much to ask for people to proof read or use spell check. Now, that is what I call lazy. It only makes you sound uneducated and hard to take seriously. I was recently thinking about joining Primerica, but after seeing the mean spirit and unprofessional posts of some of its employees, I do not think I want to work there. I guess I'm just LAZY!

Gloria   Florida

5:17am on Thursday, October 16th, 2008 

Is funny huh! When you read this review you can absolutely tell what the type of people ewith ach of them are..
We have the poor and losers. And on the other side those rich and willing to win no matter what it takes! I can bet anything the those talking negative about primerica did not even get license.
Don't you know that you own your licenses? And the more licenses the nore money you earn? Tell me what's wrong with teaching people what to save to retire at a decent age and only work if they want to? To buy term insurance and have investments separated from they're insurance? How to know if they are overpaying in they life insurance? The importance of owning their policy? Won't it be nice to know when you can have what you want how to achieved it? That what I thought..
That's what primerica does for families. Just to let yall know iba $99. Is not a pyramid, and don't get paid by signing people up. They teach people how to do the business for them selfs pushing each other to move up. In your J.O.B how many of your managers or co workers helps you and tells you what do do to get promoted? To make your dreamed salary? And when your boss tells you congratulations I am paying you and your families vacations for being such a hardworker?That's what I thought? Now you tell me is it worth it? Cause you can only make judgement based in your own expirience not in others expirience!! Remember everybody is different!!

unknown   herndon va

12:33pm on Wednesday, October 15th, 2008 

Primerica is not for everyone, It is for open-minded, optimistic individuals with huge dreams. Primerica allows and gives you an opportunity to build your own team and when the time comes, open up your own office. When you enter primerica, view yourself as an entrepreneur, and that fee, view it as putting capital down. Have you ever heard of an entrepreneur or franchise businesses that opens and expect their capital to be paid back already sooo soon within a year? Some may work faster than others, but if you work hard enough, all that fees for the licensing will be paid off through your incentives. Anything after that is like extra money. Since this is like building your own business, and it is that easy… America would have been richer, because everyone can do it.. BUT not everyone can. You think KFC had it easy when connel sanders just opened? He had to go door knocking and think of ways to expand his business until a restaurant agreed to use his chicken in their menu. HP started from their garage.
When I enter primerica, I was very skeptical, too me nearly 1 months before I signed up…. Many doubts about this mlm, or scheme… But I now go to every week for meetings, and already build a team of optimistic, hardworking, entrepreneurial spirited individuals. If you want to be your own boss, you got to work hard. It is a business.. some fail, some exceed. Do you have what it takes? Even if you fail, you can still make some extra cash for gas or a dinner. Even if you don’t make it to the top, or RVP, you still come out of primerica with knowledge of personal finance… This job, yes you need to build a team, you need to be able to communicate with others, you need to be out there giving presentations to families... If you cant do these, chances are you not going to go very far. It is the negative comments that almost drove me away from primerica. Luckily I can see two sides of things, the pros and cons.. I am self motivated and self driven… I don’t exactly make bank yet, but im doing actually pretty good as a part timer considering 6 hrs a week. If you are interested in being an entrepreneur in this field, this job will give you hands on training for that. You can have a little experience of how building a business works… If this challenge is what you want… Take a crack at it? Take risks…

Brad   Location unknown

5:02am on Wednesday, October 8th, 2008 

It's a glorified pyramid scheme. Each person is really nothing more than a link to a few more people. The goal is to get $200 from as many people as possible.

If you smell shit, you're probably close to a pile. Primerica is a joke. If you have to pay money to work for someone, walk away.

Dub   Unknown

6:47pm on Tuesday, October 7th, 2008

What people don't understand is that there are Primerica offices everywhere and not every office conducts their recruiting or their meetings the same way. If you look beyond the emotions and how the people are acting, and look at the information thats presented and the opportunity for a legitimate business, you'll see and realize that Primerica is a great opportunity. The "cult" feeling is definitely few and far between. Yes, I've been in Primerica for 5 months now, and I've been able to help a lot of people, and that feels great. If you go to a meeting and it feels like a cult session, you may want to look for another office. In my city, there are multiple offices and they all operate differently. Get involved, build your base shop, and open your own office. Then you'll have the opportunity to run it like you see fit!

2 Strikes -- 3rd Isn   Milwaukee

2:52pm on Tuesday, October 7th, 2008 

I was harrassed (oops I meant recruited) by a Primerica rep in 1991 who would not divulge where he got my name from. I was much younger then (30 years old) and more open minded to listening to opportunties, so I went to a their religious event (oops I meant presentation). I am a deeply spiritual person and was offended by the religious overatures to the presentation and the Primerica people that I met. It was a complete stretch to believe that the reps are somehow serving God, by serving their customers through the selling of financial products. It took me nearly 3 months to shake this rep from calling, finally by threatening to report him to the Better Business Bureau.

My recent encounter with Primerica is with a man I was dating for 3-4 months. Weekly harrassments from him trying to get me to go to a meeting, promises of long-term financial security if only I'd support him through this start-up phase, and wanting to get inside my financial situation almost at the start of us dating. In the end, we broke up because I couldn't/wouldn't put him and his dreams and goals (Primerica business) ahead of my daughter. Essentially what he wanted was someone to run the rest of his life while he put all energy and focus on Primerica. At every opportunity, he pushed to "help" save my family and friend from making financial blunders. Outstanding sales people make those contacts directly/politely and without putting people such as myself in the middle of the arrangement. The difference between "class" and "crass".

The Primerica reps are some of the most crass, self-asborbed, greedy people I've ever met. It's really about them, and the "potential money" they can make -- the only ones that buy into the concept of Primerica are the ones looking another way to the lottery --- Don't let the religious undertones fool you, it's really all about the money -- Do you ever hear about them donating a portion of their time or earnings to the underprivileged?

tim   rhode island

11:38pm on Monday, October 6th, 2008 

all of you people who think that primerica is a scam, do the research.... what we do for people is incredible. people are mired in trash value life insurance and we give them the opportunity to get out of those blood sucking policies and into something that will protect their families in the case of unfortunate circumstances... look up suze orman on youtube talking about cash value vs term life insurance...the latter of which primerica offers

Mike   Texas

7:45am on Thursday, October 2nd, 2008 

I think it's funny how everyone who defends Primerica sounds like a cult member. I don't know, maybe when someone is a weak person these predators can take advantage of that and really do a number on someone, just don't drink the office Kool Aid, you know what I'm saying?

Career opportunities aside, just look at the company from a distance. They are predators; I got sucked in from an agent out at my place of work doing some recruiting! Needless to say when I got there for the first "interview" I felt like I walked into some kind of cult headquarters. That should have been enough for me to walk out of there, but I actually stayed for the whole "seminar/interview." After that nightmarish experience, I went home and researched the company, and was further disgusted. I think it's funny how on your first visit to the company they tell you how Citigroup (Who doesn't mention Primerica, and doesn't let Primerica use the citigroup logo) was on the Forbes list, yet that really has nothing to do with Primerica. The District leader or whatever was speaking to a big group of us, talking about how she drove a nice car, has a nice house because of Primerica. That is so far from professional, you'd think to have a job title like "district leader" it would require some college level business knowledge, or at least business experience period. But it seemed she or the one under her had no business experience at all. Anyhow I would advise people to steer clear of this place.

Watch the Primerica convention clips on youtube. It is scary, seriously. Look how everyone is acting like it's a cult. I wouldn't be surprised if a preacher healing peoples' afflictions was on hand. Look how unprofessional their CEO speaks. It's horrid.

I'm posting this to help people, not to just put down Primerica. I really think people should stay away from this company. What's funny is I'm gonna get some response from people calling me 'weak' when they're the ones who were weak and let themselves be brainwashed with this total bullshit this company fills their heads with. And for the people here saying you have no right to talk bad about the company, well I was at the company, and saw how they run their business. Plus, we live in a country with free speech, so ha. :)

Elle   CT

10:35pm on Sunday, September 28th, 2008 

I 'joined' Primerica after getting laid off from my corporate job from hell... I was collecting, so I wasn't that worried about surviving for the short term. It seemed like a worthwhile experiment, even though I had been involved with direct marketing previously and didn't like it. Specifically, I did not like feeling like I had to pressure friends, family, colleagues and acquaintances to buy product from me (even if I myself loved the product).

I learned a great deal about money and how it works from the many meetings and classes I attended; there are mistakes I will never make again as a result. I will also be able to make educated recommendations to loved ones in the future-- for this I am thankful to my instructors. What turned me off, other than the whole recruit everyone you know philosophy, was the religious overtone present at every meeting. There were evangelicals everywhere, and I couldn't help feeling 'churched' every time I went to a seminar or meeting. For some, this would be the IDEAL work scenario, as religion and the workplace can be awkward sometimes... but for me, it just isn't comfortable.

I was, to be honest, AMAZED at the SMART loan and wish I qualified for it. I didn't because I was on unemployment. Had I been able to refinance my debt with my mortgage with the SMART loan, I would be taking a vacation this year for the first time ever. Honestly, it is that good... make the kitchen table appointment and just ignore the recruitment pitch. Nobody else offers a mortgage like this-- Why? Because every body else is totally greedy. And because of that greed they are all roasting in hell right now. Except Primerica.

Anyway, I didn't continue with it because I just don't have the fervor and passion to save America from financial ruin... I'm too much of an artist type to fit into that whole scene, and I had to admit it to myself. I am still paying my $25 a month for a computer program I've never used, and it's been about 8 months now... that's totally my fault for dragging my feet about should I or shouldn't I... but I know now that I just shouldn't. It isn't me.

HOWEVER, as soon as I get a regular job again I will absolutely be re-applying for the SMART loan. I just don't want a regular job ever again... I'm just F*cked I guess! ;)

Elle

Brandal J.I.   AR

4:25am on Friday, September 26th, 2008 

I hate it when I'm searching the web for some information on Primerica and end up getting sucked into one of these hater blogs...yes that's what they are....now some people have valid complaints...there are some people in the business who are just horrible and that's fine....you have to be bad before your are good, and good before you are great....but some people just refuse to CHANGE and that's fine, but you will not be successful in Primerica. If you have a poor attitude, you will not be successful in Primerica....we give everybody a shot, as long as they pass a background check.... see, there are people in this world who get judged before they can even say 2 words...you can't determine a man's soul and determination from mere looks....so, if you say you want a shot at our opportunity, then you got it!!! but guess what, people say they want to go to heaven but aren't willing to make the necessary CHANGES to go to heaven....a lot of people think they're going and they're not (but that's another story) a lot of people say they want to lose weight but are not willing to make the necessary CHANGES it takes to lose that weight....so they remain obese and miserable and believe that dieting and exercising don't work.....but hey, whatever you THINK is right. One more thing and I'm done...Whatever problems or goals you have, no matter what area of your life, you cannot fix or reach them with the same thinking you had when you created them.....you
cannot become the beautiful butterfly that you aspire to be THINKING like a caterpillar!!!! (Chew on that for awhile) To my fellow PRIMERICANS, I'll see you at the top!!!!!!

d.j.   louisiana

4:40pm on Thursday, September 25th, 2008 

this company seems real, But for the people like i went and worked for wanted all my contacts and were fakes.or peckerwoods popin beacks. theifs that still owe money. callin my people behind my back still and i been gone 3 months or soo

Isaac   Perez

8:23pm on Wednesday, September 17th, 2008 

Ok, the problem is that there are a whole bunch of losers out there who dont know the meaning of team work, and they started the Primerica business and it didnt work out for them, and now they are here talking crap and a whole lot of S***. I started the business 3 months ago and im already a District Leader, my team grows everyday, and i have great leaders that have provided us with great training. Im sorry if it didnt work out for you, but that doesnt give you any rights of talking bad about other companies.

Brad   New York

5:17am on Tuesday, September 16th, 2008 

That career agent for 22 years hit it right on the mark.......Wow I couldnt of said it better myself. Look, all the people on here that are defending Primerica will be singing a different tune next year. It normally takes a year or so for these agents to wake up and smell the coffee. There might be a few that might do well and thats just a few but most will quit. It is a saturated business and most people that you talk to about the opportuniy have a bad feeling about Primerica. Well good luck to everyone.....

Lance Perriera   Tennesse

4:37pm on Saturday, September 6th, 2008 

I'm just getting started in primerica. I don't have the full concept off the company yet, or even have much corperation exsperiance. But I am willing to lean and would love the opertunity to learn. I'm a full time college student and have a full time job. aswell as starting with Primerica. The way I see it is even if it dosent work for me I will at least stay to get my license's and to be able to gain some knowledge about Corparate America. This can be a door opener to other things, even if you don't stay with Primerica at least you can take your licence somewhere else.

Tattoo   Colorado

5:12pm on Thursday, August 28th, 2008 

Question back to Career Agent, Kentucky.

You are critical of the fact that a Primerica representative is making money from a client's purchase of insurance and financial products, which you said are "LEGAL Legitimate Insurance Products" and work through networking to obtain leads.

How is it that you get and retain your clents and get paid? My understanding of the industry is that it would be in the same way. Please correct me if I'm wrong.

Career Agent of 22 Years   Kentucky

4:47pm on Tuesday, August 26th, 2008 

Primerica is a Company with LEGAL Legitimate Insurance Products and MANY PREDATORY SALES PEOPLE from the top down to the entry level. This group of people PREY on anyone that has a heartbeat and an ability to pay a premium. Insurance Premium $$ ='s Commissions They are only interested in a recruit/client/agent in order to gobble up a persons insurance dollars and personal finance assets that they can hit for their own commission/paycheck and any one else the poor sap knows that also has a heartbeat and a checkbook balance. They bring anyone and everyone they can on board their "so called awesome career opportunity" to get a foot into the door of the new recruit's center of influence. They could care less if an agent is successful or not. This
Company Primerica/A L Williams is the black sheep of the Insurance Industry! They give us all a bad
name. Primera makes it cheap to attempt to get licensed as and Insurance Agent because they pay most if not all of the expenses. I said CHEAP and ATTEMPT. Why do you think they put up this $$ for you? They get it all back and multiplied over and over with all of the $$ they make off of the person's center of influence. THERE IS NO FREE LUNCH PEOPLE! YOU ARE BEING USED AND TAKEN ADVANTAGE OF AND TAKING YOUR FRIENDS AND FAMILY ALONG WITH YOU!

Winston   Location unknown

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

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

Maria Carlson   Upland Office

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

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

Tattoo   Colorado

2:00am on Tuesday, August 19th, 2008 

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

Lea   Unknown

8:26pm on Monday, August 18th, 2008 

I have a "friend" selling Primerica, and he has no other training other than a couple of nights a week for a few months, and all the while has gotten into such a fuss with his own family to the point they are no longer speaking, and he keeps trying to push this on us as well. He wants us to consolidate through Primerica. I have exceptional credit, and we have told him "No thank you", but does he hush about it? No, instead he never shuts up. Primerica has taught him nothing except to be a pusher, and an ignorant one at that. It is a foolish thing, but he was sucked in and actually believes himself now to be doing a good thing. I have talked to a couple of banking institutions that I have trusted completely and who have helped my credit reach a platinum standard, and they both tell me consolidating hurts your "credit" or I guess stature in getting business through other financial institutions. So, I guess if I wanted to have only one options, that being Primerica only, rather than being able to get financed in a local bank or any other, then maybe I should go to Primerica. For me...I think I got where I am today by doing nothing of the likes. I will pray that the people learning how to sell Primerica, may one day come to learn that they are a rip off. I have seen numerous complaints on several websites, and even from those who have tried to sell it who eventually came to a realization of what they were being told to do, and they dropped out. You people selling Primerica should think about the people you are hurting, especially your family and friends. Good day to you!

Amanda   Massachusetts

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

$30- CORI check
$69- licensure (you get this back if you quit)
$25/month (opt) to pay for FNA computer software if you want it on your personal computer
Then, Primerica chips in about $3,500 to get you licensed. this is a great opportunity for those who want a career in financial services simply because they pay for you to get the mortgage license, and they pay for you to gake the test to get life and health insurance licensure (I know I don't have a few grand sitting around). so for those of you who are sadly mistaken, thinking that Primerica takes your money at the recruitment meeting and puts it in their pocket- you couldn't be more wrong. For those who last long enough to get licensed but still quit, Primerica has spent way more on them than the person has made. Do you understand that? They pay, on your behalf, nearly $4,000 so YOU can get licensed and start making some dough. You must get licensed because you cannot legally touch anyone's money until you become licensed. They probably only charge the $99 to show YOUR good faith and committment to at least TRY. This is not for everybody, so if you don't think you'll be interested, simply don't go.

RS   NEW JERSEY

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

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

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

Donna   Ontario

6:33pm on Tuesday, August 12th, 2008 

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

vicki   Location unknown

12:24am on Sunday, August 10th, 2008 

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