Primerica Reviews

I have a PrimeAmerica rep in my Networking Group. She offered me Life Insurance, but I did my research after to only find I can find a cheaper insurance policy elsewhere, and I did. I also do the P and C side of things, and yet the representative also tried to recruit me, all while I was trying to help her out. She is nice on camera but extremely rude.

I have been on hold for a supervisor for 54 minutes. I am the executor an estate. I have discovered a Primerica account that funds need to be distributed to the beneficiary. Primerica will not divulge the name of the beneficiary even as I offer the Letters Testamentary that I am the executor of the estate, and the death certificate, the account number, the social security number of the account in question. How can this be resolved? I have no idea who the beneficiary might be. Primerica says that the "back office" will contact the beneficiary. This is a very old account. Primerica will not tell me if and when the beneficiary is notified, or if the beneficiary is found, or if the funds are distributed. Anyone want to suggest a resolution? I held for a total of 1 hour seven minutes to learn NOTHING.

The most horrible experience for a small amount of funds due, as executor of an estate. Person passed in January. It has been an endless chore of calls and forms and still they are holding funds back. Cannot speak to a supervisor or manager and customer service just reads back the letter sent to you. Thank you but I can read. What is needed is answer as to why they keep losing forms that have been sent in and why they choose to hold on to funds that are not theirs to hold. Absolutely would never trust this company. Bad enough to lose a loved one and have to go through probate and then deal with companies who choose to make things even more difficult. Horrible.

My brothers and I tried to retrieve the money our mother had specified in her will to us. Signed, Sealed, etc. We have been trying for almost a year now through an attorney (at our cost) and the judgement is final and still have not been given the money. Very untrustworthy Company!

0 stars. Been dealing with getting deceased client's funds to named beneficiaries for over three years. They didn't give us all the accounts when we requested assets and date of death values and so after submitting claims twice for once account because they also won't tell you who beneficiaries are, found out there was a second account but no agent attached. Submitted exact same forms with different account numbers. Those got rejected and I received a letter saying they were rejected because we submitted the wrong forms (along with the "correct" forms to fill out and try again). I called to see why they were rejected since they were the exact forms that they accepted the last time.

I've been a customer since 2005. It's always been easy to make a withdrawal in the past until today. The automated system was not helpful, so I thought I'd speak with a representative. She didn't speak very good English. She put me on hold about 10 times within a ridiculous 32 minutes of being on the phone! It was completed out of control. I've never spoke with my new representative which has been around 10+ years. Because she updated my information, she couldn't send a confirmation. I don't know if the transaction is even going to happen!

If they contact you and want you to work with them just block them because it’s a MLM scam.

Primerica shareholders agents assisted my life partner's daughter in stealing my inheritance. My life partner had a roth ira that he made me the primary beneficiary to and (per stripes) to pass on to my children once I passed. The ira account portfolio was a mixture of: stocks and bonds, mutual funds, cds, treasury bonds, annuities, and securities, etc. He also had land in a colorado he was trying to see if was still fit to build upon. I knew of some of his investments because he took me along with him to the financial institutions where they were held or through where they were sold through financial advisors. After I told the agent I needed the forms he insisted on sending me the general application and also insisted I would have to cash out. Which I knew I did not because of my disability standing.

I started investing with Primerica in 2017, with IRAs and mutual funds in a trust. From the start they had my mail delivered to the wrong zip code, saying the address did not exist (duh!). I was furious about this but my friend and financial advisor helped somewhat. I would get a letter from Primerica saying the account was not the correct address and mail had been returned. THEY put the zip code starting with 3, instead of a 9, which is clear across the country. The letter said it was coded RPO returned by post office, and if it wasn't corrected the money would be escheated to the state. Right away I got a bad feeling about them. It was corrected but I was not feeling good about it because it's well over 2 million $$$.

Whatever you do, please don't buy a life insurance with Primerica. It has to be one of the biggest insurance scam. I bought insurance back in 1996, I have been paying my premiums almost 60 dollars a month. I just received a letter from them stating it's going up to over 200 dollars. I have wasted so much money so please learn from my mistake and do your homework. This was a term life insurance but it wasn't explained to me to that it'll go up once you reach a certain age.

I switched my investments from Primerica to another local investment firm and have been trying to get my money transferred for almost 4 weeks which is totally unacceptable. I will be reaching out to the State or Federal agencies this week to file a complaint.

My son joined this company against all and everyone telling him not to join an MLM. Still he joined and I as his mother and to get his approval went with him and yes no one forced me to buy a life insurance but I thought I would buy it and cancel it. Sure he would get over it and quit. I can assure no one in Primerica brainwashed me. They sold me a life insurance that was a term after 20 years. They kept secret that after 20 years I would have had to pay 1500$ a month and kept going up and they did not explain that, so I told my son Jonnathan I’m going to cancel this. It’s crazy!

I have had Primerica for some time now me and my 6 kids. So my policy did lapse but I did reinstate it. My son was murdered on March 26, 2025. It is now July 15, 2025 and still no pay out. They continue to ask for bogus documents like doctor records and murder investigation results and even though they have the killer they are adding on other bogus documents as if they just don't want to pay out. I will never ever recommend them. If I could have given no stars I would have.

Unbelievable. I have been with Primerica for years, simply putting money into my Roth IRA. I did need to withdraw some money from it, for some unexpected expenses throughout my time having the account. Just recently, I changed the amount I would put towards it, as I am saving up using another platform. I did NOT receive any mail, email, phone call, etc. from them stating that my account was behind. I only received the 3 month mail letter stating I had less than 3 weeks to pay the overdue amount, or they would close my account. I called them to see what I can do. No help whatsoever. They lady simply told me you have to pay it by that date or else. I simply told them I will withdraw my money and find another company.

Someone at Primerica must have farmed my phone number. I received a call and I was driving. It was pleasant enough but I won't ever work for Primerica. So if they're buying lists or getting information off of LinkedIn, stop it! Vitello and Associates Inc. was the ones that came after me. No thanks.

I am not sure all Primerica agents are equal but Tommie ** was my agent and he was not responsive nor did he provide good service. I would not recommend him and therefore will not recommend Primerica.

If I could give 0 stars I would. Do NOT use this company. A once reputable company is now horrible to deal with and won't provide documents needed for financial records and taxes. If you call customer service, it is outsourced overseas and they can't help you. They keep putting in requests or telling you to fax letters to get assistance. In the end, wait months only to get incorrect documents. Call back, they make it hard to talk to a supervisor and no one can get you information. They just create another ticket for the same thing and tell you to wait for a response that could take 3-5 days or for me, 2 more months. Then wrong again and you start the process all over again. You get nowhere. Take your money elsewhere to invest.

Updated on 05/20/2025: My Father unfortunately had an IRA through them that I inherited after he passed. They will not release the funds, no way. They are now requiring a "tax investment waiver", this serves to notify the state of PA that I would owe inheritance tax. I paid the inheritance tax on my portion of the IRA that I inherited. They refuse to release the money. They do not need a "tax waiver" as I am paid in full. Every time I call, I get a call center somewhere. They are delaying my money.

Customer service was awful!! Been trying to close my account that my parents set up when I was a child and they gave me the run around. It has been a month long ordeal and each customer service representative was uninformed and very unhelpful. When requesting a fund redemption they required a Medallion Signature Guarantee which I got from a bank and after submitting it Primerica rejected it. Their reason was because it was a "copy" but I had sent the original document. I then called 3 times asking them what they needed. Each time they said they will send it to their back office team but could never give me a time frame. Each customer service representative said "they could not give me a time frame" then they would change their response to "they did not want to give me a time frame".

My mother has been attempting to close her accounts with Primerica for approximately one month. During her initial call, the representative insisted that she required a PIN number to proceed with the cancellation, prompting her to wait for the PIN to arrive by mail within 7 to 10 days before following up. However, upon calling today, she was informed by a different representative that she must complete a form and return it by mail, which would also take an additional 7 to 10 days for processing. This contradicts the information provided by the first representative, and it is particularly frustrating for a 75-year-old woman to be delayed in accessing her funds, which she has never utilized.

Very transparent company when it comes to product knowledge. Primerica gives you an opportunity to make more informed decisions which is tailored to you and your family needs. Everything financially Primerica give a solution by way of advise.

This company is a nightmare, been trying to cancel/close a retirement account that hasn't performed in 25 years. I curse the pyramid-scheming 'friend' that sucked me into signing up with this company. PLEASE LEARN FROM MY MISTAKE!

Almost 20 years with this company and they just dropped us! We moved and our address changed, without even a letter, phone call, or email, we were just dropped! After calling them for a reason, they said, because we had not communicated with them that we moved. Our payment was taken out automatically, but because we changed the card without letting them know, (because of fraud) we were just dropped! They told us we could get more insurance, but for a much larger cost! So, in essence, they received $10,000 and could not care less about us!!!

I am grateful to Deborah ** of Primerica for being my Financial Advisor since 2021. My finances are in better shape than they have ever been. Deb's attention to detail & providing A+ Customer Service plus my diligent attn. to my finances. These past 12 months my rate of return is an AMAZING 12.7%. I highly recommend Deborah ** & her excellent skills as Financial Advisor.

My father recently passed away and had a Primerica insurance policy that he has been paying on for years! He probably paid more than the policy is worth. He is now gone, and on top of our pain and suffering, they have it very difficult (an administrative nightmare) for us to collect on his policy. This is not a good partner and you should really think about if you want your family jumping through hoops to collect on what has been paid for. They don't call you back. Each dependent has to send in a separate claim form in order for any of them to collect on the policy. They don't provide an envelope for the return address of you select "check". And nowhere does it asks you to have your signature notarized but they send you letter after letter asking for more information, but no one is available to get on the phone. I will be writing to the IL Attorney General to recommend a full investigation into their practices.

I bought the 99 Year Term policy back in 2010 for my family with 2 child ryders. I was a Life Agent for them at the time and sold policies. I was a Division Manager on track to be a Regional Manager. I quit due to the Regional Director letting another agent steal my client. Now all these years later, I try to exercise my child ryders and get the run around. After trying for months before it expired, guess what, it expired and they refused exercise it. They then communicate to me my TERM to 99 years old is doubling because I turned 65. I was shocked because the amount I pay for the policy was supposed to be good till 99 years old? Now they want me to sign a new contract with lower coverage to bring the price down. Folks this is a scam. Buyers beware!!!

A few years ago, I combined several investment accounts into a portfolio with Primerica. Recently I was in a tough spot and needed a few thousand dollars for less than a month while awaiting the sale of a property. When I contacted my Primerica advisor, he was quite negative. It felt like asking a mean daddy for an allowance. The advisor cautioned me about withdrawing and not wanting to see me down the road as a greeter at Walmart. He made me feel like it was not my money. Therefore, I found other means to cover my expenses.

The Primerica company a scam! My ninety year old mother paid $7,336 over many years. The Primerica company will pay our family only a little over $1,500. BEWARE SCAM! We are reporting this to the proper authorities.

Great, hard working people! I suggest to check them out! They have offices in Gurnee, cornerstone, great reviews!

My experience was terrible. My sister passed away in November and Primerica was her insurance which I was the beneficiary. I had a rep named Ben who was helpful at the time, help gather information and turned everything in to the company. When it got to the medical records the company said that something wasn’t checked that should had been and he claimed that he did an appeal. Ben stated that he reviewed everything before submitting it for her when she filled it out so he didn’t know why they said it wasn’t correct. I waited MONTHS to hear back from him and until one day I decided to call the company and ask about the appeal. They stated that they never received an appeal from him and for me to do it.

I had a terrible experience with Primerica. I didn't receive my beneficiary check for over a month after it was mailed out. I had to put a stop payment on it and the new check was mailed out on May 8th but I still haven't received it. I complained about the lack of safeguards in place for something as important as a check, but was told that they couldn't use FedEx or UPS for delivery. It's frustrating that they don't have better systems in place to protect their clients' money. I would not recommend using their services due to the fact clients will pay into their system, and have no say so over cheap delivery options that can guarantee them to receive their funds swiftly and safely.

I was told that opening an IRA would be a smart move and that my money would be invested in ways that a sure profit would be attained. Needless to say I lost 1/3 of my money when I pulled out. Never again.

Depending on which account they are taking $ out of Cancel it and open a new one immediately. PRIMERICA ROTH IRA CANCELATION # **. PRIMERICA LIFE INSURANCE CANCELATION # **. Do not go to your agent to cancel. They won't help you. Also their email is PLIC@primerica.com. Good luck and get out of it as soon as possible. I didn't let them have a dime from me

I am a young woman just starting life. My representative with PRIMERICA was so patient and kind. She took her time explaining the difference in life insurance policies and teaching me money concepts that can help me build money while I am young. I have enough coverage to start out with, yet can raise it when I start to earn more money and have a family. Also, again being young my financial coach showed me how to invest a little for now and how it will pan out for my future. I am so excited that I learned about how money REALLY works! This has opened my eyes and I think I will look to work with PRIMERICA in the near future! I usually do not give reviews, but after seeing all the sad experiences that others had, I'm hoping others willing see the good in this company and how they help everyday people like me. Thanks, PRIMERICA for standing in the gap of financial literacy for financial freedom!!

Do not invest. Primerica refuses to pass on my deceased wife's account balance to the next of kin. Primerica has stated that being the next of kin does not matter. They do not recognize the Intestate succession, or predetermined order of inheritance. They are going to keep the investments and continue to invest and profit off them for a period of five years, at which point it will go to the state and unclaimed property. In order to get the investments withdrawn sooner or transferred to my name, I would have to go to court and spend money to get appointed as an estate executor before they would recognize what most institutions and insurances would call "next of kin," or intestate succession.

I became a Primerica Life Insurance client 20 years ago as I was getting serious about life and thinking about starting a family. The Representative was a work associate that was a part-time Primerica agent. She offered a complimentary financial plan to asses my needs for life insurance and I was super impressed. I had a different company offer a written financial plan and wanted to charge me $750 and I'm glad I found Primerica. The Primerica plan was comprehensive. It assessed my debt, insurance cost (auto and home and life) my investments and tax situation and created an efficient strategy for wealth building for retirement. 20 years later I have followed my plan and am debt free including my mortgage! I'm on track for retirement with the Roth IRA that established for me.

This company has a 'roach motel' recruitment strategy. It's very easy to get in, but very hard to get out. They ask for your SSN on the first interview on Zoom, and they get you to sign this document and pay 99 dollars and they show a monthly payment of 25 dollars, but say that it's covered by them. This is not the case, it's practically a scam to try to get you to pay them 25 dollars a month. Very hard and unclear how to terminate the agreement and cancel the subscription. It is a scam and don't fall for it.

Absolute SCAM!! They have been charging us every single month for NOTHING! On top of that they won't stop either! They hang up on me every time they have taken over $450!! SCAM, SCAM, SCAM... The worst customer service as I am paying for NOTHING

Said they would go over the plan with me but never did! Just kept taking money without permission and put me in debt! Told them I didn't want the plan cause it's not what I agreed to and can't even get them to cancel or respond now! They are scam artists!

I’ve heard many reviews and good things about Primerica so me and my wife decided to get it for our family last year. What ended up happening was during our qualification process, my wife actually had passed 4 days after doing the application. I would’ve never thought we would’ve gotten paid out since we had just done the application, never even did our physical. But yet 3 days later my agent showed up to my doorstep with our check for $250,000. It was such a blessing since I have 3 children under the age of 10 years old. I definitely recommend it 100% because they helped us out with the process very quickly and were very understanding. After what had happened all my family came to Primerica. God Bless Primerica and my Agent!