Primerica Financial Services Reviews

Chris Hoven   Baton Rouge

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

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

Thanks For Your Time,

Anonymous   Dallas, TX

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

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

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

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

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

Angry agent   Chula vista, ca

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

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

Satinee   Uniondale, NY

1:05pm on Tuesday, August 11th, 2009 

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

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

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

Casey   Mississauga

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

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

Jeff   Toronto, Canada

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

Primerica is exploitative and sleazy.

Frank   Toronto, Canada

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

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

Jw   Kansas

4:52pm on Friday, August 7th, 2009 

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

Anonymous   Nonya

7:14am on Friday, August 7th, 2009 

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

Frank   Toronto Canada

1:08pm on Thursday, August 6th, 2009 

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

Anonymous   NC

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

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

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

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

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

Anonymous   Location unknown

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

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

Anonymous   Location unknown

11:39am on Friday, July 31st, 2009 

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

Linda   California

8:34pm on Thursday, July 30th, 2009 

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

Anonymous   Location unknown

6:53am on Thursday, July 30th, 2009 

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

Frank   Boston

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

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

Andrew   Alabama

9:30pm on Wednesday, July 29th, 2009 

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

guest   sandy ut

11:38pm on Friday, July 24th, 2009 

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

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

Anonymous   Location unknown

4:02pm on Friday, July 24th, 2009 

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

Toby   None Ya,

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

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

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

Anonymous   Location unknown

3:48pm on Wednesday, July 22nd, 2009 

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

Scottie   MA

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

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

Anonymous   Location unknown

9:53am on Tuesday, July 14th, 2009 

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

maria   louisiana

5:19pm on Monday, July 13th, 2009 

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

Justin   NC

11:21am on Monday, July 13th, 2009 

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

Scottie   MA

8:56pm on Saturday, July 11th, 2009 

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

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Anonymous   Location unknown

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

great review!!!

acepkr   md

11:36am on Monday, July 6th, 2009 

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

Robert   NC

7:41am on Monday, July 6th, 2009 

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

Nick   TX

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

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

Anonymous   Location unknown

10:23pm on Friday, July 3rd, 2009 

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

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

......

Andrew Mason   Phoenix, Az

10:01pm on Thursday, July 2nd, 2009 

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

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

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

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

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

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

Susan   ohio

8:23pm on Wednesday, July 1st, 2009 

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

anonymous   ontario Canada

11:16pm on Tuesday, June 30th, 2009 

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

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

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

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

Cindy   MA

4:07pm on Sunday, June 28th, 2009 

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

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

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

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

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

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

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

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

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

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

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

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

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

Primerica=Scam   Pasadena, TX

1:14am on Saturday, June 27th, 2009 

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

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

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

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

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

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

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

MoGirl   Vancouver

9:44pm on Friday, June 26th, 2009 

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

Tony   NC

3:51pm on Friday, June 26th, 2009 

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

BreAnna Porter   Washington

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

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

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

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

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

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

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

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

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

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

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

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

Daniel   USA

3:01am on Tuesday, June 23rd, 2009 

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

teya   new york

4:46pm on Monday, June 22nd, 2009 

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

Bob   Boston

11:05am on Monday, June 22nd, 2009 

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

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

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

Disgruntled   Indiana

12:47pm on Thursday, June 18th, 2009 

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

Rudy   Sacramento

2:24pm on Tuesday, June 16th, 2009 

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

Rudy   Sacramento

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

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

Charlotte   NC

3:16pm on Thursday, June 11th, 2009 

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

Thomas M   Meridian, MS

7:58am on Thursday, June 11th, 2009 

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

dean   bronx

10:19am on Monday, June 8th, 2009 

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

brian tuttle   dsm

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

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

Jim   Ontario

6:43pm on Thursday, June 4th, 2009 

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

Eric Jacobs   Denver, CO

7:25pm on Wednesday, June 3rd, 2009 

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

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

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

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

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

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

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

Pete   Georgia

7:53am on Wednesday, June 3rd, 2009 

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

Anonymous   Location unknown

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

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

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

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

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

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

Connie, Glendale AZ

meme   Houston, TX

12:59pm on Friday, May 29th, 2009 

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

IDAMAN   Idaho

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

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

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

Sandy   Utah

7:11pm on Tuesday, May 26th, 2009 

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

Sarah   Toronto

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

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

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

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

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

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

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

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

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

Jake   UT

5:07pm on Tuesday, May 26th, 2009 

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

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

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

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

Anonymous   Location unknown

5:07pm on Sunday, May 24th, 2009 

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

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

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

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

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

Tyler   Iowa

9:52am on Sunday, May 24th, 2009 

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

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

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

Greg B.   Florida

5:40pm on Thursday, May 21st, 2009 

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

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

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

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

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.