2.9/5 (922 ratings)
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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.

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    Overall Satisfaction Rating

    • 5 stars
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    • 2 stars
    • 1 stars


    • 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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    How do I know I can trust these reviews about Primerica?
    How do I know I can trust these reviews about Primerica?
    • 3,771,570 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on please visit our FAQ.

    Page 1 Reviews 0 - 6
    Rated with 5 stars
    Verified Reviewer
    Original review: Sept. 13, 2021

    Genuine, caring and respectful. I had no problem to collect the money from insurance in time. No harassment, no prejudice, but I had a case manager named Stacy who was able to get everything that I have to in time. Mostly was her voice which soothed my grief. Thanks again for helping a widow.

    9 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 4, 2021

    Keep in mind that all of the bad experiences with Primerica regarding insurance and the job itself, is based on the agent. They are independent contractors so most likely it is your agent's fault and not the company. My agent is always answering my calls, taken me out to lunch a couple times, and checks on my family a few times out the month. Luckily my agent is at the #1 office in the nation so I have no complaints.

    16 people found this review helpful

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      Rated with 5 stars
      Verified Reviewer
      Original review: July 29, 2021

      PRIMERICA is very inclusive of all ages and gender and it has really shown through this pandemic when other companies were turning our seniors away they were inviting all to come along and get coverage.

      10 people found this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: July 14, 2021

      Primerica sells you Term Life insurance only at the discount rate. This means that they don't markup the premium like other insurance companies do with the cash value policies. Other financial services/guidance is complimentary. They are a great and reputable group to partner with to secure your financial future, as well as to insure you are ready when it comes time for retirement.

      7 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.

      5 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.

      40 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!!!

      14 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.

      28 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: April 16, 2021

      I requested a sizeable redemption check from my money market account on February 10, 2021. After not receiving the check in over two weeks I contacted Primerica. Primerica cancelled the previous check and sent me a replacement check on March 9, 2021. I immediately deposited it and it showed up as positive deposit in my checking account March 19, 2021. Typical for banks to hold for days on a large check to insure it clears. On March 25, 2021, I checked my online account days while paying bills and noticed that the check had been marked returned and I was charged a fee for the returned check. I contacted my bank and they told me the check was returned by “the Maker of the check” who is Primerica via Mellon Bank due to insufficient funds.

      I immediately contacted Primerica and they said the check was cashed and there is nothing we can do about it. I finally got my bank on a three-way call with Primerica, and Primerica asked for my bank to send them all of the information indicating the return of the check. Today is April 14, 2021 and I have spent over 12 hours and dozens of different customer representatives, Case Numbers, Reference Numbers, Investigation Numbers, and every time I call its like they have no idea of what I am speaking of and it starts all over again and tell me they are continuing to investigate.

      The latest request from them was for me to send them a screen shot of my account showing the deposited check and the returned check, which I have done. I have asked for a supervisor during each call, never have been given a supervisor. Each time I call, they ask me for the name of Primerica Representative, I give the name and remind them each time that his name is on my account, but he has not worked for Primerica for over 10 years, I know him personally.

      This place is a sham, pyramid scheme to sell you life insurance and get you to invest. I have never once been contacted by Primerica in over 15 years to advise me my investments. Matter of fact, the advisor they have on my account has not worked for Primerica for over 10 years. This is the very reason I am moving all of my accounts over to Ameriprise where I have had the best experience. Sharing as to keep others from going through what I have. DO NOT USE PRIMERICA FINACIAL SERVICES

      69 people found this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: Jan. 31, 2021

      I have been involved with Primerica for over 30 yrs. I’m not a huge income earner. I’ve worked a regular job and used primerica as a source of extra income for my family and that’s what I found so attractive to their opportunity. And I joined them because number one the person who came to see me Made such a huge impact on my life by explaining just common sense concepts about investments and life insurance and helping me properly protect my family. I was so impressed by what they did for me. I joined the company because what they did was so good for me. I just wanted to help other people like they helped me and over the years I have helped many families by sharing what we do at Primerica.

      I have never ever sat down with anyone and shared our concepts of how we help families and had a not one negative response even if I didn’t do business with them. And I always ask is, "What I’ve shared with you so educational that you would want share it with everyone?" You know just to help them understand what I’ve been able to teach you today even if you didn’t get paid to do it and their response is absolutely 100%.

      So for the people who write all the negative things on here maybe you did have a bad experience but if so it is absolutely not because PFS itself is not a great company. Maybe you had an agent who as in many companies didn’t do their job properly and I hate that for you. I really do. I’m just saying if McDonald’s had an employee that did a bad job that doesn’t make their Big Macs (products) bad.

      So for everyone who reads these posts if you want to look for something negative and make very serious decisions for your financial future do your own homework and make a your decision based on the facts for yourself. You won’t find them here. I’ve never ever done one of these posts before in my life but I believe everyone owes it to themselves to make such important decisions for their families future based on facts.

      All I will say is this in closing (THERE'S NOTHING MORE POWERFUL THAN AN IDEA THAT'S TIME HAS COME). This company was founded by a high school football coach with an idea and a crusade to help middle class Americans just like himself have a better future for their families and that idea has grown into the Largest Financial Services Marketing company in North America today. I really don’t think that happened by doing bad things for people, you might just wanna check how we got to this point for yourself!! God Bless.

      27 people found this review helpful

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        Primerica Company Information

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