Primerica Reviews

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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
  • Two policy options
  • Riders included
  • Insures seniors
  • Payouts in two weeks
Cons
  • No online quotes
  • Only offers term life

Featured Reviews

Colorado Springs, CO
Verified purchase
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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Warren, MI
Verified purchase
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.

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Primerica Reviews

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    Page 1 Reviews 0 - 10
    Customer Service

    Reviewed July 7, 2025

    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.

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    Customer Service

    Reviewed June 26, 2025

    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.

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      Staff

      Reviewed June 5, 2025

      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.

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      Customer ServicePunctuality & SpeedProcess

      Reviewed June 5, 2025

      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.

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      Customer ServicePricePunctuality & SpeedStaff

      Reviewed April 25, 2025

      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.

      That's okay. I did some research and found out the attorneys that are suing them, for their fraudulent practices. I am now on my way to my Dad's to gather all the paperwork, to see how bad they ripped him off. According to SEC they should invest for the best interest of their client. They invest for the best interest of themselves. They actually owe me about double of what they are claiming he has. Thankfully, he never threw anything away. I am getting the proof, then suing this pyramid scheme company. If you are going to invest. Use Vanguard or another reputable company.

      Original Review: This company is a nightmare when it comes to paying beneficiaries on its policies. My Father passed away back in February. Here we are at the end of April and no Pay out. They said, they were mailing forms to executor. They never did. Me and my sisters got the forms off the internet. We sent them in over a month ago, along with a certified death certificate. I called customer service this evening. They said we sent them to the wrong place. Well how are we supposed to know what form to send, when they do not tell you. My psychic abilities aren't working.

      It took us a month to get a certified copy of the death certificate. Apparently, that's sitting at a desk, in their office in Georgia. If it went to the wrong place, why didn't they call or send it back? Why didn't they do something? Anything? Because they just don't care. I was going to open an account with them, with this money. That's out of the question now. I just want away from these idiots. I also want compensated for the overnight shipping. Talk about incompetent.

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      Customer ServiceStaff

      Reviewed April 23, 2025

      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".

      I asked multiple times to talk to someone from their back office so that I can get a time frame to follow up and they said they cannot. They kept saying the same thing like a broken record. It was not until the fourth call that they said they need now a copy of my birth certificate to wave the Medallion Signature Guarantee....all of this to just verify my age....No one should ever use this company. Primerica is a joke and you should never get involved with them if you value good customer service. I give them one star cause I have to. If I could they would get negative stars.

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      Customer ServiceStaff

      Reviewed April 9, 2025

      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.

      With the market experiencing significant declines, it is disheartening that she must endure another 2 to 3 weeks to potentially retrieve her own money. Having been with Fidelity for many years, I regret not transferring my mother's funds sooner, as dealing with this company has proven to be a considerable headache, especially given the financial losses incurred while waiting for her funds due to a supposed text message regarding account closure.

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      Reviewed March 25, 2025

      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.

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      Reviewed Feb. 21, 2025

      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!

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      Customer ServiceCoveragePrice

      Reviewed Feb. 15, 2025

      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!!!

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      Primerica Company Information

      Company Name:
      Primerica
      Company Type:
      Public
      Ticker Symbol:
      PRI
      Year Founded:
      1977
      Address:
      3120 Breckinridge Blvd.
      City:
      Duluth
      State/Province:
      GA
      Postal Code:
      30099
      Country:
      United States
      Website:
      www.primerica.com