Primerica

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!

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.

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.

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.

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.

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!!!

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.

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.

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.

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.