2.9/5 (928 reviews)

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Overall Rating2.9 out of 5
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About Primerica

Primerica exclusively offers term life insurance through two policies: TermNow and Custom Advantage. Each policy includes term lengths from 10 to 35 years. Primerica provides up to $5 million in coverage and allows coverage until age 95. Primerica also offers coverage without a medical exam, depending on the plan.

    Pros & Cons


    • Two policy options
    • Riders included
    • Insures seniors
    • Payouts in two weeks


    • No online quotes
    • Only offers term life

    Bottom Line

    Primerica offers term life insurance policies with term lengths up to 35 years and coverage up to $5 million. Policies are available for applicants up to 70 years old. No online pricing makes it difficult to explore policy options.

    Top Primerica Reviews

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    Rated with 5 stars

    I had a great experience with Primerica... I have checked around with a few other companies and this was the first one to explain to me the difference between different types of l...

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    Rated with 5 stars

    I have loved my experience with Primerica for many reasons. I got my life insurance at the age of 47 and it was incredibly affordable and easy. 6 months later I increased my cover...

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    What is Primerica?

    Primerica is a life insurance company that offers two types of term life policies for customers between 18 and 70 years old.

    • TermNow, with up to $300,000 in coverage
    • Custom Advantage, with up $5 million in coverage

    Customers who buy term life insurance from Primerica work with a local Primerica life insurance agent for a personalized customer experience. Primerica life insurance policies cover people until age 95, and almost all payouts take only two weeks.

    The company provides agent information by state on its website. A Primerica insurance agent helps customers through the application process. To get a Primerica life insurance quote, you need to provide your age, address and gender and answer a few questions about your general health. Depending on the policy, customers may need to provide their Social Security number and driver’s license. Call or email a local Primerica life insurance agent in your city or state to fill out an application and get a quote.

    Primerica life insurance policies

    Primerica exclusively offers term life insurance and simplifies the process by providing only two plans: TermNow and Custom Advantage. Both options come with term length options of 10, 15, 20, 25, 30 and 35 years. However, only people who are younger than 45 are eligible for a 35-year term life insurance policy. For individuals 55 and older, 25 years is the maximum term length.

    Primerica’s term life insurance policies have coverage up to $300,000 for TermNow plans and up to $5 million for Custom Advantage plans. All Primerica policies provide life insurance coverage until a maximum age of 95.

    Primerica term life insurance policies include these riders to give policyholders more coverage:

    • Increasing benefit rider: Increases the policy’s death benefit value by up to 10% for 10 years
    • Terminal illness benefit: Gives policyholders diagnosed with a terminal illness access to their death benefit to pay for medical expenses and care while they’re still alive
    • Waiver of premium: Waives the monthly premium if a policyholder becomes critically ill or disabled

    How much does Primerica cost?

    Primerica life insurance typically costs $20 to $50 per month for healthy individuals. Cost varies depending on the policy and the applicant's age and health profile.

    People who smoke, have a poor health history and are older have higher life insurance costs. A Primerica life insurance policy with a lower coverage amount costs less.

    Unlike some competitors, Primerica doesn’t offer a quote tool, so interested customers must call or email a local Primerica agent for a free quote.

    Primerica FAQ

    How long does it take Primerica to pay out a life insurance policy?

    Primerica pays out most life insurance policies within two weeks of a claim submission. A small percentage of policies take longer than two weeks to pay out.

    Does Primerica require a medical exam for life insurance?

    It depends on the policy:

    • To get a Custom Advantage policy, a Primerica life insurance medical exam is required.
    • TermNow policies do not require a medical exam, but Primerica does a background check to determine eligibility.
    Can I buy Primerica whole life insurance?

    No, Primerica doesn’t offer whole life insurance policies. The maximum term available for Primerica term life insurance is 35 years for people under 45. For people over 55, the maximum term is 25 years.

    Is Primerica life insurance legit?

    Yes, Primerica is legitimate. It’s a publicly traded insurance and financial services company. Primerica has offices in every state across the U.S. except North Dakota and has more than 130,000 independent life insurance representatives.

    Is Primerica legit?

    Primerica is a stable company that’s been in the life insurance industry for more than 40 years. A Primerica insurance policy is best for those who have temporary expenses — such as care for children or mortgage payments — and are specifically looking for term life insurance. Primerica is also an excellent option for seniors who want coverage, since coverage is active until age 95. Primerica pricing and quotes for term life insurance are not available online, but working with an agent one-on-one creates a personalized experience.

    Primerica Reviews

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: April 7, 2023

    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.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 11, 2023

    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

    28 people found this review helpful

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      Rated with 1 star
      Verified Reviewer
      Original review: Sept. 23, 2022

      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!

      38 people found this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: July 14, 2022

      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!

      44 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 2, 2022

      Due to unexpected life circumstances I had no Choice than to call Primerica after a friend of mine reminded me about my funds, so I called my agent. My agent told me to call the customer service, I did. The first lady was very nice and deducted the amount that I needed. 3 days past did not receive anything, no phone call no letter whatsoever. I called on the third day they told me they process it on the 27th and they told me I have to wait because you should kick from their Bank to my bank on the 28th and final transaction to be done on the 30th, call my bank. I waited another two days. 5 days later no deposit. Remember I called on the 24th and waited until the 30th. This is more than 3 days that they promised. I called every day after the 3rd day, I still did not receive anything.

      One of the agent, gave me I believe it was a fake customer number which is *** and usually it's five numbers, that lady was rude, talking over me, putting me on hold while I'm talking twice and the third time he just hung up. customers service at Primerica it's not good some of the agents are good and some of them are very nasty. I'm still waiting for my own money. I can't even go see my mom with a stroke that was the reason that I called. We are putting together to help her bills until she is better. Now I'm behind on her mortgage, my mortgage because I use my money to help her. It will take some times for the health department to reply. Primerica did not honor my request and I'm on my 8th day. I never received anything.

      I request a reference number of the transfer to give to my bank so they can see if the deposit was made, I can't believe a big company like Primerica cannot give me a reference number until they create a case that would take 7 days, then they can probably give me a reference number. So I'm going to wait about a month to receive my own money. I don't think it's fair. Now I owe money that I know that I'm going to receive in 3 days my account is overdrawn because Primerica give me a word and it did not respect their word. They are liars, very unworthy, they are not reliable, they don't respect and care about people.

      In the middle of a situation as such for us with the way the economy is going, gas is high, everything is high except our paycheck. Now I can't even get my money. I don't think Primerica deserve a full star. I'm done with Primerica. I called again and withdraw the rest of my money and I don't care now if I receive it after 3 months. I'm done. I also try to talk to a manager they never transfer me to a manager. Just keep on sugarcoating everything and I never talk to a manager about the case. I called five six times during the day and no result, till today I never received my money. This is not the right. This is not professional and no respect for customers. Primerica suck. DO NOT USE THIS INVESTMENT COMPANY.

      42 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: June 2, 2022

      My wife and I opened an account with Primerica a little over a year ago. Due to some unfortunate events we had to close our account. It has been a nightmare working with them to close down our account and get refunded. It's been over a month now and they are still working on closing our accounts and refunding what's left. They are quick to take out money from your account, and they do it on the dot every month, but they are extremely slow and reluctant to refund you. My wife has been on the phone with them twice and they still have not fully refunded us. Do not do business with this firm. They don't care about you. I would give a -5 stars if I could.

      41 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 17, 2022

      Note: This was my experience and may not represent everyone’s experience. Primerica is a mom and pop shop with inconsistent service. First, there is not an easy way to roll over out into larger and more established brokerages so you are left to navigate an extremely complex financial world should you choose to leave them. Second, they lack organization and standardization internally so you will experience wildly different levels of support when you call their support center. Third, due to their misinformation, I was penalized in taxes, although I followed their instructions to the letter. I’m someone who doesn’t always write reviews but they completely screwed me in a “family friendly and nice” way.

      54 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Nov. 4, 2021

      Primerica is very untrustworthy, they lie, don’t keep your policy honest. I had been paying off a policy for a little bit over a year going on two years. My son got killed and they’re not wanting to release my funds for paying me out for my son's death! I’ve tried to call millions of workers and they all hung up in my face and even blocked my number from the call in system. I wouldn’t recommend this company to anybody. They’re snotty & always lying. Xavier Banks is very unprofessional.

      91 people found this review helpful
      Rated with 2 stars
      Verified Reviewer
      Original review: Nov. 2, 2021

      Lack of communication. Lack of sympathy. Lack of professionalism. Inexperienced. Lack of accountability. Lose documents sent in by you even if they are certified mail. Your paperwork sits on their desk for weeks!!!! Worst company EVER!!!

      47 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Oct. 2, 2021

      Two family members passed away within 3 weeks of each other leaving us to deal with 7 life insurance companies. It has been 8 weeks and Primerica has not paid the claim while the other 6 companies settled in less than 30 days. It takes the claims adjuster about a week to open an email. We get as many as 3 requests by mail for the same information which they verify they received by email. Then after a week or more a request comes by mail for additional information. The adjuster never returns a call leaving the customer representative dealing with the customer.

      73 people found this review helpful

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        Primerica Company Information

        Company Name:
        Company Type:
        Ticker Symbol:
        Year Founded:
        3120 Breckinridge Blvd.
        Postal Code:
        United States