Primerica Reviews

The 10-year index on my mutual funds perform only around 6% annually, so it is a pretty low rate of return. Various meetings are there to boost ambition and morale, which is good for some, but made me feel like I was wasting time that could be spent writing business. Granted, I stopped going to meetings after I realized my passions were elsewhere. As far as MLM companies go, this is among the best I've seen.

Well I went the next day to tell ** the lady I wasn't interested in the company and I wanted a refund. Well she spent almost two hours trying to convince how they weren't a scam, but at the end when my answer was still a no she insulted me and just highligted in what to do to get my refund. I went home followed the instructions, first it tells you how you have to submit in writing and it gives you an address and a email. I emailed since it would be faster. Then you get an email back saying you have to call the regional licensing director but it turns out to be a bogus number and never. ** PRIMERICA!! I'm never gonna get those $99 back. I had to call my bank and close my acct. It's a SCAM!!! Not worth it.

They invited me to this little orientation, where agents came up and basically talked about what primerica do and how they climbed the ladder and got to where they are now, financially, which I basically heard already in the sit down with my coworker and his wife. During this orientation, in the back of my mind I was thinking "this is too good to be true" everything just sounded too perfect. Everyone there had this fake "I'm so happy to be in primerica" attitude that it was contagious and I haven't even joined yet lol.

Then I learned about the $99 starting fee. On top of that, they were so pushy and aggressive about getting you to join and getting your $99. I received a text or call if not every day then every other day about making my payment. It got really annoying. I eventually backed out. I don't know what but something doesn't feel right about primerica. It's too good to be true. Everyone there seems brainwashed.

By the time I got home I had several people calling me very angry that I had given out their phone number and one of the people on the list is a very pregnant niece of mine, due any day and I did not want her to be called. I was supposed to call her, but he called trying to set up an appointment with her for me. Her mother got very upset with me. I overslept the next morning but I had contacted him the night before telling him that I would be there and what had happened with my sister and I ask, "please don't call anybody until I talk to you". He did call me back that day (about 2:51) and which I missed. I have left two messages for him to return my call they go straight to voicemail; seems to me like I'm be ignored.

I thought it was like Amway or Avon, but with insurance. I would really like to get my insurance and brokerage license and help people get insurance and saving. But I don't feel like I can trust this person I gave those numbers and was confident that we would call them together and he took it upon himself to call them on his, own my family. I'm not very happy and you know I learned nothing of what was the products so, just a lot of scribbling on paper. I don't guess I'll be going back anymore. Sounded so cool.

For one, the average rep makes $5,000 a year. That is nowhere near the hundred thousand dollar club that they try to suck you in with. Secondly, their approach to selling your warm market is aggressive enough to lose friends and have people stop taking your phone calls (see my friend). The $25 a month website access fee is something that zero of my current companies charge. The funniest thing about the whole interview is the commission rate. I was told that a rep starting out makes 25-50% commission. I almost busted out laughing as this rate is well below industry standards. I guess that is how the guy at the top of the pyramid is doing so well.

The biggest problem I have with this company is that majority of its representatives have little to no training in the insurance industry. I have noticed this quite often as I replace Primerica's overpriced term every opportunity I get! Primerica is a complete joke in this industry and I would love to see how many of these new reps actually make it. A piece of advice for any person looking to join the insurance industry... Go work for a reputable agency that has a solid training program, will pay you a salary of sorts + commission in order to learn this business the right way. You can make more money and know that you are telling people the right things.

While his family apply for the life insurance money, Primerica denied the case because according to them my brother got the life insurance because he knew he had cancer. This is a total ripoff. Come on people, doctors knew about his cancer, 2 months later and how he knew about it when he was signing the contract with you. Who in the right mind will wait 2 months then go do colonoscopy, if there is a cancer case?!! Their story gets more funnier, when the agent said, "If he would die after 2 years of signing the contract, it was ok, we would pay the insured amount." They are just bunch of liars, stay away from them. Unfortunately I am not the beneficiary, so I can not complain about this company and my sister-in-law takes everything very easy and think if they are life insurance company, nobody can fight with them. But please stay away from these liars.

So I don't know about all these people writing bad reviews. I am averaging about $50 an hour including all my non paid training and my time and my gas. I think most of these reviews are because maybe an agent was too pushy or the person writing the bad review is misinformed. People have this weird idea that something is only good if it is on television (commercials). But my opinion is Primerica is one of the better insurance Companies. You can make good money whether you recruit or not.

Some of the comments and statements written here are untrue. I have had people decide not be part of the company after paying a $99 fee and they were refunded. That money offsets the cost of the Insurance Classes and study material needed to pass your state test. The cost on your own is between $500-$800 depending on your state. The $25 a month is to run your business through a secure website. That too can be stopped or cancelled at anytime with a simple phone call from you. If you take the classes then decide not to be part of the company, you may get a partial refund or no refund because you already took the class. We have great partnerships with many of the largest investment companies. We are on the NY stock exchange and our stock has gone from $14 to $55+.

The life insurance is a term and only goes up if you elect to take an increasing benefit rider. You are notified once a year about your benefit and you then choose to keep it or not. That too can be cancelled at anytime. So if there are agents not doing what they should, call the RVP of the office or the compliance department at our home office. There are more wonderful and educated agents in this company than bad. I am thankful we have been clients for 20 years with the Life Insurance Product as well as my great investments with Invesco funds. I am proud to work with this company and have no problem talking to my friends and family about what I do and helping them the way I was helped.

Primerica's business model is one that rewards the productive person. After sitting on the fence for a number of years about it, I decided to join Primerica. They only want you to succeed. What other business can you start for only $99? The products are genuine, and the company has a history of integrity. Similar to inquiring about the quality of a University, you would respect the advice of a graduate of the school over that of a dropout. Get your advice from a successful Primerica representative. Warning: they are serial optimists!

At the interview itself this guy will take your social security number, and all your credit card details. And will inform you that they need those details to do a background check if they decide to hire you. Then the next day he will come to your home and somehow lure you to buy some products of this company that are priced over 3-4 times more than their true market value. Everything happens so quick that you will have no time to think.

Luckily, the next day I informed the company to withdraw all my application to life insurance and other products (They were not processed at the time). But when I checked my credit card account, I was charged 99 $ for nothing. I disputed that charge and recently got that money back. I would have remain in silent unless what happened to me today.

Today, someone has produced a false credit card with my name and other details to make purchase of $480. Luckily my bank gave me a phone call and declined the charge. Please be careful of this scamming company, and remember that they can't charge you for considering you for a job or just interviewing you for something you really do not want. These guys cheated me for a false interview, wasted my time, stole my personal and credit card details and tried to charge me $99 for no product or service offered.

Nevertheless the checks totaled around $7000 the first month and $9000 the second month. So my skepticism went out the window at that point. Long story short. I never liked jobs that weren't fun and bosses that treat you like crap. I couldn’t find a job in my field and because of globalization, none of the good jobs are coming back. I need to make a 6 figure salary to support my family and more schooling was not the answer. Most of my friends have several degrees, student loans galore and still working a measly job they hate. This Company gave me shot to get paid my worth and be there for my family again. Some of these complaints are ridiculous. How can a Billion Dollar Company be a scam in the most regulated industry in the world?? Some of you are just young and haven’t been beat up enough by life yet. Primerica is the only Professional Company offering freedom and great money that I have seen.

If you want to be a wage slave then it is not for you. If you have no self discipline and need to be told what to do for 8 hours a day then it is not for you. If you don’t realize and see a huge need for the services offered then it is not for you. I've been through lay off after layoff. Unemployed and watched the benefits run out. Interview after interview for dead end jobs. Primerica changed all that for me and my family. I’m glad everybody doesn’t get hired, but if you think it is a scam you don't know much about business or life for that matter. It's not a perfect Company, but it offers a heck of a lot to ordinary people.

I gave them the permission to take the $99 from me and they rushed me into the orientation for the next day - didn't even really care what time I would be there as long as I got there. I went to the orientation and realized what was really going on. They don't tell you everything up front. The guy second in charge at this particular Primerica (who was running the orientation) told us specifically not to mention insurance or investments when talking to clients. It is also a pyramid scheme. It turns out the guy who recruited me wasn't even a manager at all - he was one of the people at the bottom of the pyramid who had only started working there a month prior to when this all took place. They need to recruit a certain number of people to make it to the next position - and at that position and everything in between up to the top makes a percentage of what the person below them makes.

I got out of there so fast and asked them to stop the money form for the $99 and that I didn't want to do it anymore. The guy said okay and said he would call me if he couldn't. Never got a phone call back from him but did see that $99 was taken from my account a week later. I called them and called them multiple times and they never answered. Thank god for my parents - I told them what was going on and they called the exact number I had been trying only a minute after my last call - and the manager of the place answered. The fact that they were screening my phone calls says enough for itself. My parents were able to talk to the guy who recruited me and I am getting my $99 back.

I honestly can't believe this happened. Primerica is technically legit and it does work for some people - the only thing that these people were honest about was that they were making more money than ever. But it depends on how many clients you can get - I would say only about 5% of people in this company make it to the top. The rest are promised so much and don't make it at all.

Now I realize it was lucky of him I happened to mention that because the only reason he messaged me to see how I was doing was to try to recruit me to work for Primerica. I was told it was a financial investment company and he asked if I could come in that night to a business meeting they were having to go over what their company was all about and to see what kind of job opportunities they had available. I thought that was weird that we just started talking about it and that same night I could come in. I asked if I should bring a resume and he said no just something to take notes with which I also felt was a little off.

I show up and it's not a meeting so much as a seminar with different speakers who all had their own short presentations. He introduced me to some people and had me sit in the front row because I was his friend and he wanted me to be right upfront for everything. The audience almost seemed coached and almost cult like in their responses to the presentations. Everyone who spoke got a standing ovation and different questions were asked or points were made. There was a lot of hand raising in agreement and laughing and YESes yelled out in response to the speakers.

They did presentations on the world's financial crisis, how much money banks were making off the people's money and how there is a lot of money for your average working middle class person to make if invested properly, how much money and bonuses you can make off getting other people you work for and how many steps up you can make to become a vice president (it now seems to me they have a lot of vice presidents and not really sure what that title actually means), and how much better their coverage and premiums were for life insurance then other companies.

Each speaker looked at me and said my name during their presentation which I found off putting as it was a large audience and I was the only person whose name was used and they all did it when I didn't even know these people. Yes I had a name tag on but they were on a stage and I was sitting in the audience. They also compared how much their company makes in comparison to McDonald's and Walmart which are also two companies who benefit from people at the top making money off of lots of underpaid workers. They don't make near as much as those two companies but profits are still about the billion mark and they say they make less because they care about the people they do business for and give them good products for their money.

At the end of the presentation I was left a bit confused because all of the info was pretty vague and I was left wondering what the job actually was. I was told financial company initially so I was thinking investments but after the presentation I was wondering am I supposed to be recruiting people under me to make money off of them? Am I supposed to sell life insurance? Am I supposed to do a bunch of cold calling and selling to friends and family to make money? Or do they help the middle class get more return on their income? They touched on so many different things but never actually explained what products they focused on.

I was also given a card to fill out with just basic information and on the back had spots open for referrals. I filled out my info but left the referral section blank because I felt like I would be embarrassed to have friends called on my behalf to come to this seminar as I now realized these 'business meetings' were something they held in this building quite frequently. My friend told me this building was his office but it was just one big room with a stage and rows of seating so not quite sure how that works as his office as well.

After the meeting when I gave him my card he flipped it over and told me to please fill out the referral section so I reluctantly went through my phone and put some people down. Then he asked me if I wanted to pay my $99 fee right then to go ahead and get started. I said I didn't bring payment with me but could have it and he said he would come pick me up from my apartment the next day and go over everything. I agreed.

Later I messaged other friends from high school and asked if they knew what was up with my friend's job, if they had heard about it, if it seemed to be a pyramid scheme to them etc. and they said yeah, he had approached them all and everyone who had gone to this seminar had said it seemed like a pyramid scheme and when they talked to my friend he was pushing for them all to start work there and even spoke from a script over the phone. I then decided to research more online before we met up and read one horrible review after the next after the next and that convinced me that I didn't want to go through with this and meet him or pay any fee.

I told him I had read a lot of bad stuff online and that I had tried to keep an open mind but didn't want to go through with it and didn't want to be involved in any sort of pyramid scheme. His answer was, "Where did you get that info from?" and to make sure my research was credible and to look at the Better Business Bureau or the NYSE and that people have bad reviews on every company and that they are in financial services, the highest regulated industry and asked me if I was aware that pyramid schemes were illegal. Then he proceeded to tell me that he had spoken to his VP about me and to be completely honest that with my current situation that I wouldn't be a good fit for them right now. He said to get myself back on track with a job and a car and then we could talk about me working for them. Then he wished me the best of luck.

I asked him what exactly he meant by 'my situation' as that sounded offensive to me and he said "No car, no job. We look for that in people." and that he was going to hire me as a friend but after talking to his VP, it wouldn't benefit them at this time and to not take it the wrong way but they wanted to make sure their time was invested in the right place and that once I got a job and transportation then we could talk about me being hired and ended with 'fair enough?' and 'We don't look for people in that situation.'

My answer was "So you are looking for people that are easier to make money off of?" and he said well that's American business, someone is making money off someone else. Wouldn't you rather own a business than work for someone else? And I told him he didn't have to put me down like that and his answer was "I'm sorry you took it that way" but with all the companies out there making lay-offs, doesn't it make sense to have full control of my destiny when it comes to having a career?

That's when I stopped responding. Our conversation went from trying to push me to meet with him and pay my fee and when I turned him down he insulted me and acted like I hadn't just said I didn't want to work for them and that I could come back when I had a better situation to trying to make me realize that it was a good opportunity again. No thank you, I don't need that BS in my life. Thank you Primerica for destroying that friendship and completely wasting my time and energy.

It seems legit company. Not really a scam as what other people say it was. I guess you really have to do a true research to say it is a scam. I don't think my friend who is smart would already know it. She seems pretty honest to what she does. I saw their Corporate Office in GA when I visited my friend and watch Concert at Duluth, GA. - pretty impressively huge. I don't know if I will join though. I rather work fulltime and make money steady than make a commission, I guess. I will say not for me, but I am interested in their free offer class to learn about Investment. I might consider it in the future when I change a career, when I grow up, who knows. Only for those that are so ambitious in owning their business I guess. I like when someone tells me what to do and follows it :-D. I don't have time to take care for others so not gonna join.

The thing that stuck to me...is the open discussion of people's salaries and what they bring in... Kim makes 350,000 a year.. David makes 5 million.. All on assisting people in financial planning? This was not right. How do you get paid? After my "interview" she asked "What do you think?" I said "Money sounds amazing but this isn't for me." She said "Well, you have to work for it." I said "I'm sure, I'll maybe contact you for debt consolidation and we need a will, but for a job..no" and left. I won't be contacting her at all... and contacted my three referred with an apology if they receive harassing calls. Disappointing.

Nevertheless, despite my better judgement, I signed up for the life insurance policy. The agent then told me that my policy would be coming in a few weeks and I could either have it mailed to myself or to him, and I told him either or was fine with me. He chose to have it mailed to him. The meeting then wrapped up with him asking for referrals. I apologized and told him I did not know of anyone I could refer as I personally don't believe in giving out people I know's contact information without their consent. Besides, at my age of 26 I don't really know many people looking for the services that they provide. He seemed very annoyed at this and informed me that most people give them at least 8 referrals, and he would expect some from me at the next meeting. He also then tried to sell me on working for this company even though he was already aware of the fact that I'm a full-time student working three jobs, and kept trying to push for me to come to an information meeting despite me stating the fact that I was not interested.

Flash forward a few weeks and he emails me telling me that the policy has come in and wants to set up a time for us to meet. I apologize and tell him that my schedule is too busy right now and I cannot meet with him. I ask him if he could please mail me the policy in lieu of a meeting. He then claims that he has to meet with me because this policy (which he originally stated could be mailed to me) needs my signatures and he has to meet with me because of that. I then clearly state in a response email that since I cannot meet with him, then he will have to cancel the policy.

He then left a voicemail on my phone telling me that I did not want to cancel the policy and that I had to get in touch with him to set up a time to meet with him. I did not respond. From there, he continued to call and message me multiple times a day everyday for about a week and a half. This whole time insisting I had to meet with him and not giving me any information on how to cancel my policy despite my telling him that that was the only option due to my schedule would not allow for a time to meet with him (not an exaggeration either as I before mentioned I am a full time student who works three jobs).

After I stopped responding he eventually contacted my mother as an attempt to get in touch with me. Despite being an old family friend, they hadn't spoken in years and my mom being full aware of what was going on ignored his first message to her. When I still didn't respond, he made another attempt at contacting her. This time he sent her a message asking her if she knew that someone they once worked with had died. My mom obviously responded because it was about she had known passing away. He then talked to her a little about the person's death and then asked her to have her get in touch with him. She then told him look it was between him and me and that she was aware of what was going on. She informed him a deal was not going to happen and that he came on too strong and should give up. Apparently, she ended up telling him this twice. He finally called with information on how to cancel the policy a day later.

I am extremely unhappy with my dealings with Primerica. I realize that this is just one of their agents acting in this way, but nevertheless, having since read of other people's experiences with the company it seems to almost be a common theme. I find it despicable that one of their agents would use someone's death as a way to get in touch with a person who clearly was not interested in anything they had to say as evident by the fact their multiple messages and phone calls had been ignored. I am aghast at the audacity of the agent to think that he knows my schedule better than I do and to suggest meeting me at my job to get the signatures which frankly would have been unprofessional on my part as two of my three jobs involve working with young children and hence, I cannot allow anyone who has not been CORI checked in the vicinity.

I was on the verge of filing a harassment charge due to the number of messages and phone calls I received from the agent despite me telling him quite clearly that I wanted to cancel the policy. To give you an idea of how bad the messages and phone calls were, he could have easily rivaled a debt collector. I'm pretty sure Sallie Mae called less times on the one or two occasions I'm a week late on a student loan payment than what he called in a twenty-four hour period. All of this was with what was a family friend. I shudder to think of how their agents act towards people they have no prior relationship with. I strongly urge anyone considering to go with Primerica to reconsider that thought and go elsewhere.

It IS possible for you to use their products/services and NOT start your own business. Sure, A LOT of them are pushy because THEY have chosen to conduct business that way (how they're successful I'll never know.. Personally, I believe in karma and I don't think I need to tell anyone that sooner or later, they're going to fail!). Of course there are those who're in it to make as much money as quickly as possible by whatever means necessary, but there are also those who genuinely want to just help people get out of debt and become financially stable. If you come in contact with someone who's extremely pushy, ask them to leave your home and stop wasting your time. Stand up for yourselves, people!!

I personally attended one of their regional meetings and my sponsor gave me a free ticket in (typically $15). Have I signed up? No! Will I sign up? I still have A LOT of questions, but I'm keeping an open mind. I do NOT recommend these meetings because they're more motivational than anything else. You get VERY little training and VERY little advice. Can you get useful information? Sure! Can you make friends and meet mentors? Sure! Are they required? Of course NOT! They have this phrase: "People lie, numbers don't". There's some truth to that, but you have to get under the surface to find out what the numbers are based on to determine if the numbers lie or not. It's a personal choice how you do that. Can it be a pyramid scheme? If you choose to make it such. It's all up to you and how you yourself choose to "conduct" yourself and your (potential) business.

I have a business management degree and have tried to start my own businesses through Amway, Mary Kay, and some unbelievably expensive kitchen knife selling company (sorry, it was so long ago, I can't remember the company), and to be perfectly honest, they're ALL viewable as pyramid schemes. Why didn't those companies work? Because their products ARE expensive and they're not readily available regardless of their perceived value. We're all our own person with our own mind and if you "smell a rat".. Run! But don't let a few bad seeds spoil the bunch!

Now, I was told you will get a bonus of $500 if you get your Series 6 and it's all paid for. I did my own research and come to find out its first come first serve was for only the first 500 people in the country to get the bonus, and you will have to have had at least $1000 in investments in 30 days to be eligible. There is a serious gap between the company's programs and what the agents are selling you. They are only interested in their own targets to make their own bonuses, i.e., number of recruits and number of policies sold. Beware of these agents. They are tarnishing a possibly good mission for the everyday American because of their personal agendas. I learned the hard way and $200 less for an already broke student.

After reading the reviews, I texted the guy I had the interview with "hey man why does the company have a 2 star rating if you say it's doing so well". So I waited for a reply and the whole time I was there he was on his phone so I suspect he'd text me back or call me but he didn't so I called him and he said "I received your text and I'm gonna have to get back with you." I assumed he had offered me a good job but I was mislead. I really needed a good job like that was supposed to be because my financial situation but if it seems too good to be true then it is. I wasted 3 hours of my day trying to get the "top 20" thing filled out and I feel like this is a bs company. The only good reviews on this site were posted by reps.

From the negative reviews I've seen, it seems that most people don't like the network marketing approach that this company takes. Frankly, none of that matters to me as a client. I feel that I have been given exceptional service. I suspect that I have no complaints because I have a great representative. I'd encourage folks to not judge this company because of a few less experienced folks. Search around. I promise there are amazing reps out there. I know. I have one. And I'm very happy with all the guidance I have received.

November was a hard month, but I still hit my numbers and was the number 1 agent in our office with how much premium I brought in. I will admit, recruiting people to work with me is TOUGH, and it's not my favorite part of the business. You just do what you have to do. It's only hard because people who didn't make money or quit before they even started put that nasty bug in other people's ears and it soils the reputation for everyone. Then we have people who want an instant pay check without putting in the work.

I hate hearing the phrase "pyramid scheme". Think about this, the job you go to every day is a pyramid scheme also, just in reverse. Look around you and see how many co-workers you have. Probably several, then look at your manager, then look at your manager’s manager, and so forth until you get to the top, who's there? The president or owner of the company. You work 40 + hours a week for what? Sometimes $7.25 an hour, maybe more if you're lucky. Just think, that someone telling you that 1 hour of your time is only worth that. Yeah, you may make more than minimum wage, but just think about all the work you put in and what your take home is. Then think about how much work the president/owner puts in and how much money he's taking home. You'd be lucky to even make 1% of his take home. So before you call it a scheme, give it a chance. I'm sure 98% of these reviews on this page are because they came in under the wrong person. I was approached 3 times before I actually said yes.

I had sat down with a single mom and prepared a financial needs analysis for her (for FREE). We talked about protecting her income by purchasing life insurance (a way to be sure her children were financially taken care of in the event she was not here on earth). She purchased life insurance with me that night. I believe it was $100,000 in coverage and decided to put $15,000 each on her 2 children. (This is for burial expenses- I'm sure you all have seen people doing car washes to help take care of unexpected deaths. It's expensive to die!!! Funerals are not cheap!!) So she wrote me a check for the first month of coverage, I left her that evening and processed the application the next day.

About 1 week later her son was hit by a car and killed! Little did I know the check she wrote me a week ago DID NOT CLEAR! It bounced! Guess what, Primerica never got a payment from this lady!! You know what Primerica did???? They gave me a $15,000 check to distribute to this heartbroken woman!!! That's a reputable company if you ask me!!!! Yes they sell life insurance! They also do Free Financial Needs analysis! Plus a lot more! It's not a get rich quick company! It's not a scam! You have to work! I got a check for every life insurance policy I wrote!!! If you are a real estate agent, you need to sell a house to get paid. Also once you get that real estate license I bet you tell everyone IN YOUR WARM MARKET that if they want to buy a house/sell a house come see you, and tell all their friends too!!! Right? Working through your warm market with any company does suck, but it gets you to many people.

This lady I sat with, I did not know her. She came from someone that I knew, that knew someone that knew someone else that knew her. Everything you do is referral based. You go somewhere because you've read a review. You make something because you've seen a recipe. Even blind dates are from some referral! It's a Pyramid!! I love that one! So is J.C Penny, Ross, Michaels, and every other business out there that you work for!!!! When you sell a pair of $200 Nikes at Penny's do you make $200? No!!! Chances are you make around $8.50 per hour! You just made MR. J.C Penny $191.50. Every Company you work for has an override system in place! It's just how you look at it! Go back to the realtor, If you do all the work and sell a house and the broker does NOTHING, does the broker get paid? Absolutely!!!

Primerica is a great company! Do your research on MLM business! Don't complain that you didn't make money in Primerica! If you didn't make money then you were not WORKING! THATS A FACT! Your $99 that you pay to get started, goes toward a background check! You cannot be a felon and work for Primerica! You also have to go to school to learn about insurance, they provide that!! Then you have to take a test to make sure you understand all the information you just learned on insurance! It's a STATE TEST!! Required by the state you live in! So maybe you walked into that Primerica office with NO insurance knowledge. You will have plenty of knowledge when you go to sit down with your clients to help properly protect their family!

Almost every complaint here is from people that were looking for that "miracle opportunity" to become rich!! I'm sure there are some ** out there that work for Primerica as well as any other company! Don't judge a company because of one idiot! Even though I do not work with Primerica, I stand behind them and what they stand for 100%

I read that the average Primerica agent only makes about $5,000 which about 3 to 5 insurances per month... that sounds about correct. The questions is you need to analyze the value of your time... Is it a good investment to put your time to earn the $400 to $500 per month? You need to calculate the amount of time you spent a week in seminars, trainings, presentations (about 4 hours) and visiting potential customers (few hours more). Then, you can decide if it is worth the effort. For me it is not. We had to meet twice a week... that was 4 hours already. Then call friends, visit people. It came to about $5.00 an hour... not to mention the cost of my calls, traveling, gas, etc.

Another thing that bothers me is that their presentations are about saving, the future, use money wisely, time value of money... all great things. However, when you join, you sell Life insurance. The presentations barely touch Life Insurance and most likely the agents do not sell any financial products: IRA, 401K, CD, Debt Credit Solutions, etc... It's all about life insurance even though the presentation mention other things. And in reference to this, I asked Primerica what does one need to sell Mutual Funds, IRAs etc (as I see this area could be more profitable) and nobody answered me??? I even posted this question in the FB Page... no answer. What is the mystery? Must likely you need a series 7 license from FINRA, but still do not know? They told me I have to ask my SVP\RVP whatever as to how I could get there. Anyhow, I just want to share my view and be very suspicious of their claims.

I have had the greatest support to ensure my success. Commission only careers is not for the faint of heart and those who do not have the mindset to pursue it. Apologies to those who were mislead by the recruiters who told people Primerica is an hourly wage type of job. Although the market is for those who have a job or own a job (business owner who has to be present in order to make a living), this opportunity is for those who desire to be their own boss and own their own business and attain financial and time freedom.

Any how I said, “But what exactly is it?” And he replied “Well, if you’d like, I can set up an interview and we can explain it to you.” Desperately looking for anything, I said yes. I also asked how much does it pay?? -- 1st honest thing he said was commission. But like any recruiter he said, “But you’ll be good, I have people working part time making 2000 a month.” I just saw $$$$$$. I thought well it’s something. After setting up interview, my friend who said he was the manager to make things sound legit. I met with him, his girlfriend and his recruiter, which he calls a manager. I could not believe how naive I was to believe them. The manager-recruiter made me sign a list of references which he said he was going to ask people of my customer service experience. I later found out he called my boss looking to set up an appointment for my training!! They used my reference list as a referral and a recruit list. I had to pay the 100 dollars which I never saw again. If they "help people", they sure didn’t care to help a single parent who was there to make money, not to invest it.

Overall, things with them were very unprofessional. Text messages at 10 pm. Pushing me to quit my paying job to work for them, having to do many recruits to get a promotion, to get paid. I understand it is a career, you have to go to school, get trained etc. But if they would’ve told me, I wouldn’t have done it, and like any good liar they didn’t. The thing that pissed me off the most was when they made me "train" with family to make me feel more comfortable but really it was just a bridge to selling life insurances. And of course they used me because they went after my parents first, knowing a parent would help their child out for training. But it wasn’t training it, I was the advertisement they needed to sell life insurance. Well I can go on and on.

The only good thing Primerica has to offer is their services. Who cares what these people say. I have worked for Farmers and Primerica. If the agents did their job correct and were trained properly and didn’t lie, Primerica would be ok. Term Life though is what experts say to get. Needless to say I quit shortly after being hired. It goes to show what kind of people stay in Primerica because I just reading this site, a Primerica employee said people need to know the facts before opening their mouths and putting bad reviews... WOW! More like you need to be more professional online and in person, then bad reviews would exist or bother or hurt your scam.

I looked back to when I began this nightmare to see not 1 email from Primerica. When I asked to talk to someone that can assist me with this giant issue that it now turned in to, they could only say that they can forward another note but couldn't provided me anything for a contact. No one has contacted me to inform of any charges and no one has even attempted to assist me with any of these issues and Domenek ** does not respond to any attempts of contact (as per Primerica they suggested I contact Domonek directly). The ABSOLUTE WORST SERVICE I've ever dealt with and my promise to this company is to make sure no one I know or could possibly influence ever works with this FRAUDULENT COMPANY!!!

After doing my research as soon as I got home I texted the man who recruited me that I was no longer interested AND HE TOLD ME TOO LATE HE ALREADY RAN MY PAYMENT. He said I may get my money back if they decline my application, that I was no longer qualified and I wasn't an opportunity seeking leader he thought I was. LOL! STAY AWAY FROM THIS COMPANY. YOU MAKE MONEY ONLY BY RECRUITING OTHERS. I couldn't scam people for a living, so apparently I'm not a opportunity seeking leader. Ha!

The short version of the review of the job opportunity offered by Primerica is this: You're not selling financial products; you're selling a pyramid-style marketing business. A pyramid structure ignores economic Law of Supply & Demand, & Law of Diminishing Returns. It is a cult-like atmosphere of pep rallies & cheering to distract you from facts & clear thinking. You are not guaranteed any wages at all; it is pure commission, so you have to go all-in. You market first to your loved ones, before you have time to understand what you're selling. The only established way to succeed is to get people to join the business under you. They first want you to give them a list of your friends & family members phone numbers. Once they have your list of phone numbers, it doesn't matter to them if you quit. They ask you to script your conversations with loved ones, so you draw them in to the game. They will call your contacts, mention your name to build trust, & use slick marketing on them. The scripted marketing uses vague & misleading statements to build undeserved trust. Once I joined the business and looked behind the curtain, I felt sleazy.

My friend recently made Regional Vice President (RVP), so I know some people can succeed in the business. You would just have to be comfortable with the things you're asked to do, and do it. If you follow their script, you know enough people, and you are a naturally outgoing person, you will have a shot at success. If you don't think you're extroverted or outgoing enough, or if you have any qualms about selling your family on joining a business before you've been in it long enough to understand it or receive any paychecks, this isn't for you.

If you have already signed up as a Primerica agent and you want to quit, you can get refunds for everything except $30 for a background check if you do it soon enough & in the right way. I paid $100 for my Independent Business Application & background check, and $25 for one month of Primerica On Line. They said they will refund all of it but the $30. Generally you should request a refund before a month has passed. You need to have your Solution Number handy too; that's your agent number.

I called CallAtlanta Billing at (888) 737-2255, pressed 1 for billing, and spoke to an agent quickly, who refunded me the $25 for POL after he found my account using my Solution number, then he gave me the email for the IBA refund. For the IBA refund, you send an email to us.iba.refunds@primerica.com with your full name, address, phone number, solution number, and a brief description of why you want the refund. An approval email should arrive within a week.

So far the process of quitting and requesting refunds was pretty easy. I also called my RVP friend, and he took it well. I think he knew I was going to quit, since I had been dodging his calls & cancelling appointments last week. I am going to continue having him help my family & I with our financial needs. We love him & the services he provides through Primerica; we just don't want to be agents ourselves, because of the multilevel network marketing structure of the business.

I went to our first scheduled meeting for "training" and he moved to a different office and did not notify me. I called his cell and he then let me know where to go. When I arrived, the office looked messy and empty. He then told me he did not have time to meet with me because he had made an appointment to write a million dollar policy with someone in The Woodlands and we would need to re-schedule. That was about two months ago and I have never heard from him since. I have called his cell and sent multiple texts that were never responded to. I even stopped by his new office a couple of times unannounced, to find an unlocked office looking identical to what it did when he moved in. Stay away from this particular office! If I had been dependent on this job to feed my family, we'd be on the street by now! I submitted my resignation letter today and asked for a refund of my money. We'll see what happens.

THIS MORNING I RECEIVE A CALL from the owner of the office stating the $99 fee was being processed. I was like um, no - I told A I was no longer going forward and she said, "oh I have to cancel this." She confirmed my card number. I gave her a fake expire date but she had the right one either way I check my bank account and I still had all my money. 20 minutes later it says -99. I called the owner and advised I need my money by today and she said she would get me a refund. I am waiting for her call. Please do not trust this people with your account information. They are just looking for another paycheck. They do not care what you are going through or if they have to walk all over you.

My experience was totally different than what I have read. I was never pressured, never promised anything and made my decision without anyone's manipulation. Just like in Law Enforcement, it only takes a few bad apples to ruin it for everyone. I apologize for those who were mislead or misinformed. I have been with the company for nearly a year and I am blessed. Key to this, find an office that does it the right way. No pressure, no BS and the desire to SERVE THE CONSUMER.

I enjoyed the presentation and bought a policy. I like the fact that the initial $100 fee covers the exam and license fee, as well as a background check and fingerprints. Here in Valdosta, GA: the finger prints alone cost about $60. I wanted to join the company but could not afford to pay for the policy and the initial fee. He told me that it would be best if I waited until I was financially stable to enter a business venture. He was very honest and advised me to do things that were in MY best interests rather than his.

I said I need a refund but I was told I will only get a refund if I send them a requirement by email and I will only get 69 refund and not my 99?! What nonsense! So I told their "financial adviser" what happened and she agreed to fix the problem. I ended up filing a dispute with my bank. What a headache. And I waited if the financial adviser retracted whatever hocus pocus scam she did. I saw I was refunded only 69 dollars maybe after she said she'll fix it. Good thing I did not complete the requirements to buy from them. I never want to see this company’s face on this earth. They should get punished for doing this to people. I'm praying hard that they don't sell whatever information they got from me.

Well we get to this tall building and go up to this office space that's not too big at all. And we are about the 1st people there. So it starts to get crowded and the program starts. It starts off as showing someone how they can save money for retirement, etc. I thought that was interesting. THEN it takes a turn for the worst. The guy who is over the office starts talking about how we can make money, and how he went from poor to making over $400,000 A MONTH WITHOUT A DEGREE NOR WITHOUT INVENTING SOMETHING. I'm thinking to myself you're not Bill Gates or Warren Buffett. Cause if you DID make that amount, you would own your own building and expand it.

So anyway I'm already calling bull crap on that and I stop paying attention. So he gives us a 5 MINUTE BREAK and I'm honestly looking at my manager like I'm ready to go. So she decides to get up and leave me there for her "friend that recruited her" to prey on me. He starts off by asking did I like the presentation, and I’m like "I only like the part about investing your money wisely." So he starts to try and recruit me. So I'm looking crazy like I KNOW he see my face. So he asks for my bank card (WHAT DO I LOOK LIKE GIVING A STRANGER MY BANK CARD???!!!) I ask why? and he says "it's to enroll you on our website and it's $99." I tell him I don't have my card on me (which I did). So after that my manager decides to bring her ** back over there.

So fast forward she drops me off at home, but she also tries to recruit me on the drive home. So she says to just hear it out in depth over lunch tomorrow. So I agree, cause hey it's free food lol. We get to the restaurant and he unsuccessfully tries YET AGAIN. I flat out tell them I'm not interested for like the 5th time (they really don't take no for an answer). She asks why and I lie and say I don't have the $100 that they require, and get this, she OFFERS to pay the deposit!!!!!! I busted out laughing cause that's DESPERATE when you are willing to pay $100 for someone to "start a job".

I don't know any company that will pay for you to join them, tf?! So she sees I'm annoyed and the waiter brings the check. Guys the check was $20 no lie. So her and her recruiter (the one who makes over $10,000 a month doing nothing for real, according to him) argue over how much money they both need to pay. I'm like, yeah I KNOW these people aren't making money like they claim. I let her drop me off and about 3 weeks later I moved outta state. My advice to anyone considering this place is this: NO COMPANY should have to HOUND you to join their team, NOR should "employees" be so willing to pay $100 to "help" you make money. Ya'll the people they get to sign up they get money!!! DON'T BE A FOOL!!!

Then few months later they started taking out the payment for a non-existent account and once again it was a fight to get the money returned. Each time we spoke to customer service there was never anyone who actually had a clue to anything that was going on. The accounts were set up in my husband's name instead of mine (money was coming from my paycheck and my account and I am older and will retire 10 years sooner than my husband) so no money that I have contributed towards my retirement will I ever get to see or use.

The life insurance instead of being written as 3 separate policies, was written as 1 with riders listed. When we went to cancel some of the policy as we switched to another company, it was a 2 month ordeal to cancel part of the policy and change the policy owner. When we started the policies we listed beneficiaries, secondary and third beneficiaries to cover all possible bases. When the agent and company wrote it they only included the primary beneficiaries on it. The policy was switched to a paper only billing and 2 months in they started taking it out electronically again and not only once but 2 payments were taken out in 1 day.

We have friends of ours that chose to do the whole home loan thru them and were told that if they made double payments each month it would have the house/loan paid off faster. It was discovered that the second payment was set up by Primerica to only go to pay on the interest of the note and nothing to the principal. So for over 5 years they were making 2 payments and the principal amount was not going down, they were basically paying only interest... so only money in the company's pocket. If you have Primerica get rid of them.....

Primerica is not for everybody. Selling is tough. I sold cars (ugh!) for about a week. I also walked door to door in the hot Abilene sun, shirt and tie, selling burial plots and caskets. Try selling death door to door. Who wants to buy a casket from some dude on their front porch? Primerica got three stars from me because it is not for everyone, yes not everybody can be an astronaut, not everyone can be a salesman. Everyone starts at the bottom. Become a Pharaoh and build a pyramid!

The event was held at the regional training center, everyone there were young, mainly married couples, who were not making more than $30k a yr, most were poorly educated, with dreams of grandeur in their heads. Our "planner" kept telling me what a smart guy I was, she didn't know how correct she was, I had years of education in business, was a former real estate agent and have a 140+ IQ.

I wasn't buying this ploy. They spoke about financial independence, huge homes and fast cars, these "kids" were drooling, eager to get started. After the talk, the "planner" asked us to join her in a meeting room. We started discussing our "financial plan" again with the twist of us becoming part-time salespeople for them. When I began questioning how she was able to sell insurance and financial securities without a state license, she insisted she wasn't selling insurance or financial services, when I pressed her she went and retrieved her husband who also worked for Primerica as a recruitment manager. I posed the same questions to him, he stated that they didn't need licenses because they weren't actually selling anything except for the services of Primerica and they had licensed underwriters and PC's to do the paperwork. I told them I wasn't interested and felt they were skirting the state and federal laws on insurance and securities, they acted insulted but quickly allowed us to leave as they wanted to keep us as far away from the inductees as possible.

Is it a "scam" not in the context that you are swindled without receipt of anything, what they are is an insurance company masquerading as a financial services and consulting company. Everyone can and should obtain good financial planning advice from someone who is truly educated in all aspects of securities, savings, loans/mortgages, tax code and yes insurance, that is free and unbiased as possible from individual companies products, but Primerica is a poor substitute for a true licensed PC/financial planner.

So, after realizing this after the FIRST ORIENTATION, we told them we were no longer interested and went on our way. However, it turns out that they have been calling our employee references (which they required TEN personal references) behind our backs, saying that we personally recommended them for Primerica. What a great company. Way to take advantage of two 19 year olds. You go.

Original Review: Sept. 14, 2014

My husband and I had the Primerica rep come to our home and all I wanted was help with finding a rollover form from my previous 401K plan. Then it all started with Life Insurance and rolling the 401K plan so the stupid people we are decided to go with Primerica for Life Insurance. Then our current Life Insurance Rep came to our house and went over our policy. We decided to stay with them. So I call the Primerica Rep to cancel the policy but that I decided to roll over the 401K to Primerica. I thought she was going to cancel the Insurance Policy, I was wrong. I looked at my bank account last night and the premium of $92.83 was taken out.

I call the rep and left a message letting her know that I was not happy and that I had told her I wanted to cancel the Policy, beside she did not come out to my house so that my husband and I could sign to cancel the policy. Now today, I called her again and told her to call me as soon as possible that I wanted to know why she did not cancel the policy and that I want my money back. As far as the 401K rollover that is another bad investment that I did. I lost $600.00 of my previous 401K to roll this into Primerica. I felt that I was not told that they were going to take out 4%. I should of listen to my gut when it was telling me something is not right. Overall, I am not a happy person right now and I am recommending not to do busy with this Insurance company.

Primerica give you the opportunity to do better and it is yours if you do the work. The Insurance Industry/State in whatever line of work, requirement is you must have a license to provide the services that Primerica market. FINRA demands you are license to offer Securities, and Primerica pays for all your license, if you do the work. The companies incentive/trips, to 5 star resorts, are all paid for by the company, and all your business expenses are tax deductible like in any business. Where can you open and operate a business for $99 and perform any license transaction for $25/month. Just do the work. You can do it all yourself and get 100% return on your efforts, or you can build you business with 10+ reps and get 1/10% for all and make more $$$. If you do it yourself, you must do it every day, and then how much can you do everyday.

With the turn over most companies have, including Uncle Sam Armed Services is always recruiting, and they don't treat you any better. I guess the vaseline they use is better, because that is what you deserve. The "Commission Pay" business may not be for you, as with being a police or a President or an Emergency room nurse, but somewhere out there you will need a Primerica Rep to help you build your "Goals and Dreams", so you can enjoy a happy retirement.

So I got a call from the friend of my friend and she left a voice mail on my phone saying that her business was looking to open new branches all over my city and they were having a hiring frenzy. THAT was the second red flag. In my opinion, something is off if you're chasing people down to work for you instead of people vying for your attention. Also, anytime I hear the words "residual", I am immediately suspicious (third red flag). But she sounded so nice and passionate that I decided to schedule an interview. BUT THEN SHE TEXTED ME (fourth red flag). I don't think that's professional AT ALL!

So on the day of my first interview, I wasn't feeling well so I TEXTED her asking her to reschedule for the NEXT WEEK and she said,"I strongly recommend that you keep your appointment." (Fifth red flag) That felt threatening! And, if you're an in-demand business, shouldn't you automatically cross me off the list as an unprofessional waste of time? YES! But instead she asked me to come in on Saturday (even though I had asked to reschedule for next week) and since I felt bad and didn't want word to get back to my friend, I said yes.

So today was the interview. The building was really suspicious. It was hidden behind a bank (that she didn't even know the name to) and it wasn't near any real city- kind of in between towns (sixth red flag). When I entered, I couldn't find the office, it wasn't numbered (seventh red flag)! When I found the office, there were only two people in there (eighth red flag). It all seemed very...shallow and hardly lived/worked in (ninth red flag). Shouldn't there have been more financial education stuff?

So I meet the Vice President of that office and he asks me what I'm looking for. Then he spends the next half-hour basically selling the company to me, which, he shouldn't have had to do (tenth red flag). At one point he said he could tell that I was very personable and that I'd be good for the job, even though I'd hardly said 3 things (eleventh red flag). The whole time the girl was just sitting next to me nodding her head (twelfth red flag). And all the while he's trying to sell the company to me, I'm not learning anything. I wanted to hear new financial terms and he was so vague (thirteenth red flag). It all sounds too good to be true.

He said all the client are recommended so we wouldn't have to chase anyone down. He wrote out how the training schedule would work. I would follow someone to the clients' houses and help them, and every client I got, I would make $1,000 every month from them. And there are meeting/classes on Wednesday nights and conference calls on Sundays. So for 7-10 hours a week I could make $3,000 a month. He told me about the $99 for the background check and something else- I can't remember (when I left I remember thinking that I'd never had to pay for my own background check before - fourteenth red flag). Then he told me about all the paid vacations he gets and showed me the pictures on the walls of them.

That's what did it for me because it all seems so showy - but it felt like it had no substance. I hadn't learned ANYTHING. He didn't INTERVIEW me, he was SELLING ME THE JOB. Shouldn't I have been convincing him on why he should hire me? He gave me his cell phone too and they both told me how precious their time was so not to waste it. Also, the friend of my friend didn't walk me out. She just left me at the door. It was very impersonal. I thought we'd talk about our mutual friend at least for a quick second!

I already had a feeling this job is really a Pyramid Scheme. I don't trust it. I regret giving out my phone number. It all seemed backwards and I'm glad I haven't yet given the $99 and I would've been APPALLED to try to recruit my family/friends. I'd love to find a job to help people and make money and make my own schedule but...this is not it.

Her premium has not changed as well. This has caused a lot of stress dealing with this particular Agent because he is very rude and arrogant when it comes to customer service and admitting he has made a mistake on her policy. The policy covers My mom and her grandkids as well for $15K each now. Mom has been so stressed out about how she had been treated that she doesn't like to do business with the Agent at all!!! It is people like this who make someone not want to do business with a Company.

Most individuals are not groomed for this type of business. One has to be completely focused 100% of the time, with 100% commitment. Anything less, 100% of the time you WILL NOT succeed. No different than a person who wants to become a professional athlete. If you like Life Insurance sales or find it interesting, this is a great business to learn from and generate great income. If you want to learn how money works and possibly teach others the same, this is the perfect company to learn from. It doesn't cost you anything but your FREE time. You cannot rush any part of this business. It's EXTREMELY important to be as thorough as possible. If not, you look shady and hiding something.

The $99.00 covers your background AND business website. The $25.00 monthly covers keeping your website up. Pretty cheap if you ask me. Try starting a business of your own from scratch and see what that will cost you, much less, a professionally designed personal website. If you don't like to talk to people, shy or continuously tell yourself you don't have extra free time to squeeze in anything else in your daily agenda... then this business is NOT for you! This is how the company should be represented. No other way! If you got it, I did my job! Straightforward and to the point. Hope you can make a great decision for yourself no matter what you decide. Good luck either way!

5. Many people will recruit anyone, as long as they can pass a background check.

Now here's what I like about it: (and why I've been an active part timers for 5 years)

12. Everyone is welcome. They let anyone join as long as you are over 18 and don't have a felon.

Now I know Primerica is not for everyone. It takes effort that many people don't have. I've seen a lot of people come and go in my career. They all have their various reasons why they quit. If you're considering the opportunity to join Primerica, give it some serious thought. This is not a get-rich-quick scheme or a pyramid scheme, or anything like that. It's a business that allow you the opportunity to own your own business within it. If the person you met with in Primerica isn't professional or "rubs you the wrong way", talk to someone else. Don't just assume everyone in Primerica is some pushy sales person. With almost 100,000 licensed reps, and many more not licensed, there's bound to be some bad fruit. I've seen people that aren't professional get terminated from the company so I know the company stands behind a good set of values.

Weeks later, I got a called about if I'm looking for a job and I responded of course. The individual told me the requirements of the so-called job and I say, "Sure, I think I qualify." The individual ask me if I have management skills and I responded with a no. The individual then continues saying, "That's okay, we will train you anyway." So that was another red flag. The individual scheduled a date for our so-called interview and I told that individual that I have several appointment that day and I may not be able to make it for that time. I was told if I won't be able to, just to call to reschedule. I was like, "Wow, they must really need people." Then I was asked to bring a reference list with 5 contacts.

I then began to think to myself how can you schedule an interview if I never applied for. Eventually I reschedule my so-call interview two days later. I was given the location of the meeting point, it was an business complex. What surprised me was that there weren't any logo of the business at the door. Then I saw another door and I said, "Oh wait, may this is the place because the person told me the name of the business," and I searched online looking for the business. Didn't find no such thing and I was like, "Oh I perhaps heard wrong and maybe misspelled the name." So I was like, "Okay this is company." I went on the day of the interview and my instincts was right, it was the door without any logo. When I entered what hit me was the presentation of the place.

I was then asked to take a seat and to filled out a form so they could know more about me. At first I thought it was an application, then I was like, "okay what is this." Anyways the person then move me to a room and began the presentation. As soon as the presentation began, I finally knew what was it. Why I have fallen victim to other pyramid schemes before. They all work the same, you invest money to a so-called business and only those who are already at the top benefit from it, and you are simply the workhorse. You have to work for it and if you don't do anything, you don't make any money. I was even told I have to go to classes to obtain two state license and it would cost 1800, that primerica would pay most of it. All I have to pay is 99 dollars.

I knowing what the business wouldn't want to waste more money because of my past experience. I'm not gonna lie the info that the reps gave me was very interesting and I will do my own research on saving toward my retirement and I'm only 22. So thanks for the heads up. But as for joining, I'm not falling for that trick again. According to the reps, they want to be like Mcdonald, the largest financial service in america. Again those on the top, benefit from those like us on the bottom and those who have been in this business for year without a lot of us knowing about it only until now, are living extravagant lives and we will be adding to it.

The second year we were full-time agents with Primerica, we made over $100,000 in a twelve month period. Our income grew every year and reached $300,000 in 2005. Is Primerica for everyone? As a client - yes! As an agent - no, just like everyone is not meant to be a teacher or doctor, but everyone has an equal opportunity to try to be a successful financial services representative with Primerica . . . and we challenge you to find any financial services company that will train you and pay for your expensive licenses with only a $99 "I'm serious fee", entrance fee before the company sinks several thousand dollars in you!

Unfortunately, every career has it's less than professional, less trained, less ethical individuals but that does not negate the value of that career field. If Primerica was not an ethical, viable company, how could it have survived the continuous attacks of it's enemy agents and individuals who did not experience the true Primerica? Primerica has been helping middle income families for over thirty-five years and has become the largest financial services distribution company in North America without having to advertise. How is that possible if the negative comments read here are the norm?!!

I am heartbroken for the experiences of these individuals (except for the ones planted by our enemy agents whom we have exposed). I would only say: Would you swear off education or medical help because of a bad experience with a teacher or a doctor with poor bedside manner? We help families get out of debt, become financially free, and ensure families are not destitute after an untimely death . . . and we do it with our clients as a first priority, not what commission we can make. We are proud and blessed to have been introduced to this unique company.

During the conversation no information about the business, she just keeps showing me the chart of the members making million of dollars. She did not mention about the pyramid business. For sure she is working for me because if she is at the 50 percent level, each deal she closes she has 50 percent of the premium. I strongly feel that if anyone of you encounter someone from Primerica, please leave or run as fast as possible. These employees are not truthful.

Please get the facts about Primerica by meeting with a Regional Vice President in your area who has been here for a few years. If you are 18 and have no felony, you are able to join the business, but you need to pass state and federal exams and get licenses, which would cost you over $1,000 if you got them on your own. For $99 we allow people to get into financial services and help families as an independent contractor. No quotas, no sales pressure, people comment like we're the son of Satan, it's really funny how humorous most of these posts are about our company. This website does little to help people really understand who Primerica is and what we do. GET THE FACTS!!!

My advice to others thinking about Primerica as an opportunity is to give it a shot. $99 for your IBA, $25/mo. for the online site access (very useful and sadly many don't understand or ask what this $25 is for. Plus you can log in and cancel it), $52-$55 state exam fee which is reimbursed by Primerica after you pass. There are non-mandatory trainings a couple times a week which I LOVE and reminds me of what I am doing and where I'm going with my future.

Primerica is a great company, please don't judge it based on the "word of mouth" or "warm contact" soliciting. It's the only advertising we have. Kindly say no if you're not interested. So really, if you think about it, you're investing $99 for a chance to make thousands. You owe yourself the opportunity. I feel very lucky to have the team that I have. Best of luck to you!

It is not a question of whether this is a real company or not, it is a matter of how much longer will the American public be blinded by the program the national banks and insurance companies are marketing? The company is not for everyone's ambitions (as a rep), it is for the people that really want to change their loved ones circumstances and change the perspective from ignorant to educated financially to people that otherwise would not have any idea! We work on this everyday and with certainty improve on their TRUE financial picture.

This is what we do. If you signed up and saw people in the meeting from a "different category" than what you believe yourself to be in, then I am sorry you missed the boat and you were not taught better principles. Success or wealth does not have a face. Ask the 6 Million plus clients we service every single day. Ask BBB, Ask AM BEST, ask your insurance agent who their REAL competition is. Ask FINRA, Ask Beatriz Perez from Pepsi, Ask Barron Funds, Ask Warbus Pincus Funds, Ask George Soros, Get used to hearing from Primerica because the future is so bright you gotta wear shades. See you at the Top!

They try to look out for and help the middle class. "The rich help the rich and the government helps the poor. There's no one to help the middle class". Primerica offers ways for people to get out of life insurance that just rips you off. Why would you put money in life insurance as a savings and when you die you only get your death benefit or savings. Not both. Not right in my opinion. I personally have life insurance through primerica and thought the rate was competitive. That may be biased since I am also a recruit, but it's my opinion nonetheless. Just the same as everyone else on this site.

I would just invite everyone to do their own research and look at the facts of all other insurance companies out there, before taking someone else's word for it off of a review. Also I would just like to say that I think that people who don't get into this business because they think it is a scheme, are afraid of change, a better way of life, and have gotten comfortable with where they're at in life. "The pain of change is great, the pain of regret is greater". Thanks for reading.

Do yourself, friends and family a favor and RUN. Those who don't aren't doing their loved ones any favors. For all the others that were scammed like I was, report it to the FTC at Ftccomplaintassistant.gov. It's the only way we are going to get people like this to stop taking advantage of desperate people.

So I went down to the office because I had lost her number, and they had moved out so I called customer service. That's when I found out the letter was never faxed. The next day I tried to access my policy online and it would not let me because it said my information did not match when I had just spoke to customer service and made sure all the info they had was correct. My mom tried to access her policy and the same happened. I'm so irritated with primerica, my mother and I will be canceling both our policies and I will never do business with them again nor will I recommend for anyone to do business with them. I had a horrible experience.

We all know that when we get a job, we hope that our head manager is a nice guy and not an **. A manager that works from the heart and not from his wallet. Well the thing about Primerica is that the company gives you the opportunity to grow your own business. And this is how. Representative 25%/ District 50%/ Division 60/ Regional 70/ RVP 110%. These are the percentage contracts of the commission for each position. If I'm at 50% which means if I sell I life insurance policy and the client pays 1000 a year. 1000 - 50% = 500$. I get paid 500. I can make 4 sales in a month and make 2k. BUT here is where Primerica gives you an opportunity. If you recruit someone. By the way no one gets paid from the submission of the 99$ to pay for the IBA. If your recruit makes a sale, then you get a residual difference of percentage from that sale that they made. So say they are at 25% contract and you are at 50. If the sale was 1000$ a year.

Your recruit made 25% of 1000 which is 250. But since he works under you, you get the percent difference. So 50% (which is your contract) minus 25% is 25%. So you get paid 250$ for his sale and you didn't have to even know about it. It's just money in your pocket. But say if you both were at 50, then you would get nothing because 50 - 50 = 0. So the point is always to stay a step ahead and have the higher percentage. But anyways here is where the recruiting "scam" comes into play. I showed you that you can make an extra 2k a month on your own. You DONT NEED to recruit anyone to make money BUT if you want to make more money, then OBVIOUSLY you will recruit someone. Also once you have a team of people working for you and you reach the position of RVP (which is not impossible at all, it's not like you have to recruit any number of people or scam anyone, it's nothing like that) you can then lease your own office and move into that office with the team that you have built for however long you have been there. Which is usually at least 10 because by that time your recruits will have at least 2 recruits each. And you yourself will have about 5.

And then from that point once one of your recruits which are regional at this point manage to get the position of RVP then they will do the same and move into their own office and etc. the company does not open a location for you, like Geico or Allstate. Since you make the money and handle all these recruits, you can decide to do whatever the hell you want. Which is why Primerica is such a great opportunity because your income goes up based on your work ethic, not the amount of education of time you've spent with the company. But here is where the bad things happen. As people go up in position, they begin to want to just get results immediately, so when they hire you, in their mind they are thinking "ok either this guy is gonna be a great worker and be another team member to my office or he's just gonna walk in and walk right back out, it's not my problem if he stays or goes, I'm just gonna let the system sort him out because I don't have time to hold this recruits hand forever and have him end up being a waste of my time".

Here's the truth 90% of people who come for an interview in Primerica leave extremely soon, why? BECAUSE the person who hires them doesn't tell them WHY they should give their contact list or why they should tell everybody they know or why they want to sit down with their parents. They simply ORDER the recruit to do everything and that is BAD!!!!. If I walk into a company and they demand that they know everything about me I'm gonna be like "YO ** CHILL OUT! Stop breathing in my freaking face you thirsty ** scamming **." BUT if they we're to simply tell me WHYYYYYY they want me to do all these things so quickly, it would not only take away my fears of this company being a scam but it would also make me WANT to do these things instead of just doing what they order me to do because!!! I myself see what it is that I am doing. Not you telling me what I see, it's me seeing the truth for myself.

And the reason why they move so fast with all the recruits is because they "let the system sort it out" and just go through everyone they've recruited as quick as they can because the people who are very interested will stay and the idiots will leave. But here's the thing if they were take a little extra personal time and tell each recruit the full explanation of the company, then the reputation of the company would be completely different. But since they don't, Primerica has because a scam company that recruits tons of people to take their money. And yes people do submit the 99$ and do stay with the company for a little bit and don't make money, but it's because they simply did not do the work that the job required. And obviously this is a JOB TOO. It's not a get rich quick with no work type of deal. There is no such thing as that and if it were, it would be a scam. The reason why so many people don't make money in the beginning or don't do the work necessary to make money is because it's a different kind of job.

Obviously a car salesman has a different role to play as the guy who checks you out at 7-11. In this job you actually have to talk and have full conversations with regular people. And again TALK! this isn't just work for hours and get a paycheck. This is do the work and receive a commission. And most people are used to the jobs that don't require you to talk full time. So again please believe that Primerica is not a scam. I'm sure I left a lot of stuff out but I can't detail it all in writing. If you have a question about a certain part of Primerica that you still think is "scam-ish" that I didn't address than please call me. If you call me, I'm not gonna try to recruit you or try to give a big sales pitch about joining Primerica, I will simply answer your question and once you're done with the questions, say goodbye and tell you to have a nice day.

Nothing's perfect and agents do need to realize you can't help everyone, only those who want to be helped so don't get disappointed primerica reps! Some will some won't, so what! We just hate to see people struggling financially when it can be prevented but they have to want to help themselves, we are looking for those looking for us! You can take the horse to the water but you can't make them drink it! Keep up the great work! Go help the middle class save money and retire wealthy!! Go primerica!

Next month....same issue...no payment made. Now the scary part.....I had to schedule my own medical exam and the medical exam practitioner wanted to come to my house at 4 am on Saturday. After going round and round with that part, I finally got the exam. Now for my wife's policy...not so easy. She did not require an exam; however she needed a statement from her doctor. The Primerica agent repeatedly told me that all the paperwork had been faxed to her...and it never was. So I called the doctor 3 times.... After each time the insurance rep had told me that he faxed everything to her and it would be taken care of. Long story short here....I have been the middle man in this whole fiasco for 2 months.

I finally got tired of it right before I wrote this review and cancelled the policy. The one good thing I can say about the policy is that it was straightforward and easy to understand.... The customer service was absolutely horrible. The agent that I worked with was what seemed half-hearted in his work and the sense I gained was that he never faxed any of the paperwork that needed to get filled out. I will warn you.....if you do business.....be extremely cautious of your agent. The first red flag I should have noticed was that Primerica is "closed" for lunch from 1230-100 pm. Complete horrible customer service........

Original Review: June 4, 2014

I got a term life insurance with Primerica in 2010. Originally, It's for me and for my husband but I am the primary owner and the one paying for the premium. My husband and I got divorced so I dropped him and applied only for me. I issued a void bank check so it will automatically be deducted in my bank account monthly and also their requirement. After few weeks, I got a past due statement telling me to pay the whole quarterly amount because “my bank notified Primerica that they cannot process my premium payments through my account”. I called my agent because I was surprised with that statement. I have been with the same bank for years and been using that account for automatic deductions for my bills. My agent called the CS of Primerica and was told that my bank can't locate my account. Then I called myself the CS to hear exactly what they say. The CS told me the same.

So I went to my bank right away because I was so furious. The bank told me everything is alright; the routing and account number are fine. That can't be denied. I called CS in front of the bank rep. Somebody answered then said “I’ll talk to the billing specialist.” I WAS ON HOLD FOR 15-20 MINS. Me and the bank rep were looking at each other. Then finally the CS told me, my account is ok and will start charging my premium. I asked the CS to explain why that happened and why they said the bank denied it. Ignored! I WAS SO MAD THAT I INSTRUCTED HER NOT TO CHARGED MY PREMIUM BECAUSE I'LL DROP THAT INSURANCE AND GET FROM ANOTHER ONE. The bank rep told me there were other complaints about this Primerica. Premiums were deducted from the accounts even applicant didn't sign the insurance policy. That happened to me also but I didn't pay much attention to it - THOUGH IT 'S NOT RIGHT.

Please be warned of this insurance PRIMERICA. One, they'll deduct your premium even you didn't sign the policy which is wrong. 2nd, they make up story like telling the bank denied your check so now you pay quarterly. IT'S A TRICK SO INSTEAD OF PAYING MONTHLY BETTER NOT TO GET FROM THIS INSURANCE COMPANY. I TOLD MY AGENT THAT IF SOMETHING HAPPENED TO ME, I WAS NOT COVERED.

So after all transactions made for Primerica, this RVP invited me for lunch with her 4 friends. I was being introduced to one of them, and convinced to invest to another venture which travel ticket investment. Based on their both stories, they been doing that together for quite sometime and pretty successful. Their first try to us to join them, was declined by my son. And this RVP continuously encouraged me to try, and because of her perseverance and positive testimony towards this business, I was enticed by 10% interest offered by them then I joined. After few months, her friend failed to pay the interest of our money, and tried to contact this Primerica RVP. Unfortunately, I got no reply from my text messages about her friend and eventually found out, it was scam with many victims and her friend was convicted in the US, same scam different product.

How can Primerica protect us from their hired licensed positioned RVP, where she has to be after our welfare keeping our confidentiality and instead of leading us to invest more to Primerica, she intended to share my net worth to her friend and encouraged to invest and lured by this scam. Based on her story at the beginning, two of them are the pioneers of this investment. I lost huge amount of money, and intended to go bankruptcy for my loss. I worked for 13 long years to save and have decent life for my retirement but intentionally somebody took away that dreams. I even encouraged my son to put his savings and lost too. Our situation now is like buried alive by debts, savings was gone, left nothing with so much desperation. Person involved was already in jail, but not the RVP, washing her hands of connivance.

When I asked to be removed, I got silence. I went to my business and they told me to state that actions would be taken if the line was not removed. I got a response that said I needed to call a number to remove. I called and was pitched the job offer, I hung up. I AM NOT looking for a job, do not need a JOB and would NEVER sell insurance. I do not care if I could make a billion dollars. I like my job, make decent money and can provide for myself. I will continue to try and be removed from the message list. This is typical bait and hide tactics that Primerica uses in its day to day business. I would never work for a company that allows this type of recruiting tactics.

At Primerica we want honest, driven and ambitious people who want success. It's so easy to say it doesn't work but what about all those people who are killing it and making so much money. Helping families and making a difference. There are some bad seeds. People that are greedy and will abuse their power but that is not what Primerica stands for. I was approached three times before I took advantage of the opportunity. It was because I listened to people like these idiots who knew nothing about the company but what they heard People that were going nowhere in life and comfortable in their misery. I am so grateful that I finally took the opportunity. The rest of you negative people can stay where you are, go back to work at Walmart after retirement because you don't have enough money. That''s the difference between winners and losers. Winners don't make excuses. We just DO IT.

I could never get a straight answer out of anyone about the pay structure as they were desperately trying to downplay the role that recruiting took in the whole scheme, but I finally cornered an "employee" at a weird faux-Christmas party thrown at a rented house temporarily occupied by my recruiter and his poor family who were like hostages in a suburban domicile stocked with every gaming system available as well as air hockey and ping pong tables, all for the sole purpose of mindlessly entertaining the current (mostly young) recruits, blinding them with the sheer boundless consumerism and wealth that supposedly awaited them.

The guy I talked to told me that it wasn't until he realized that the way to make money was "to get the recruits to purchase the Primerica products". In other words, it's a numbers game of getting as many recruits to purchase term life insurance while giving up lists of all of your contacts from your cell phone (what they call a "data dump") for more recruiting. It doesn't matter if you quit because you've already given them money and more contacts. Meanwhile if you decide it's not for you, your manager will become very angry indeed, carping about the time he spent ON YOU "away from HIS family".

They're very big on family and there is more than a hint of born-again Christianity lurking in the rhetoric you will be swallowing. Never mind the hours you yourself have spent going to "classes", (glorified pep rallies that never actually impart much in the way of knowledge about being a financial planner), seminars (you pay for those too), countless meetings attempting to recruit family and friends. NOT FOR ME. No.

Next I had insurance from that big rock company. They used to have lots of tv ads. I was paying 800 dollars a year for 100000 dollars of life insurance. After I switched to Primerica I pay 600 Dollars a year for 490000 dollars of insurance. So I benefit from the insurance. Saving money. Here are the people we are NOT looking for: someone who wants to earn 40 000 dollars a year for 40 hours a week for 40 years, and be broke at retirement. Here is who we are looking for: people who want a better life.

By the way if you have a JOB, and you train your replacement (that young kid who you are training who works for half the money you make)... When the company lays off someone, who do you think it will be - the cheap kid or expensive YOU?

Primerica is a business. The start up cost is 99 dollars. I did real estate before Primerica. The tax lien course cost 1650, and the house cost 2000 dollars. A friend of mine paid 6000 dollars to learn real estate boot camp. A Mcdonald's franchise costs over 500000 dollars. By the way college (no job guaranteed) cost over 20000 dollars a year. I know doctors who paid 250000 dollars to get their medical license. So if you are complaining about a 99 start up cost, then do not try real estate, any franchise, or college.

Then when I wrote my first policy, I REINVESTED THAT MONEY, paid for a health class, took the health test, and had that line of authority added to my life license (the one that PRIMERICA paid for) for only $5.00. In Illinois the cost for my license would have been $430.00 ($150 for the class; $100 to take the test; and $180.00 for my license fees.) I also took the $99.99 and turned it into $1,600.00 net profit. Not much, but that's one hell of a return for part-time work in 2 months. ALSO, YOU DON'T HAVE TO PAY THE $25.00 for the online access. Pay for 1 month, and then cancel it! You can go into your own account, and stop billing. I had to write this because I get sick of people lying, and acting like victims, when all they have to do is read, and say no.

At this point I had already signed papers and given my debit card information to pay for my "web fee" and " background check" which was $125.00 at first then $25.00 per month for access to the Primerica support website now that I was a rep (???!!). I did a little bit of too little too late googling and decided I didn't want to be "that family member/friend." You know... The flighty flaky one that suddenly texts you out of the blue about some jewelry/purse/plastic container/essential oil/or God forbid religion/convulsion they are having. I. TOLD. THEM. NO. Then came the best part. One high dude texted me to say less high dude was "hurt" (his words not mine) because he had "thought we were great" before we declined the Primerica KoolAid. This only made me REAL mad.

I told said HIGH-er-up the Primerica ** dude that I had never seen such unprofessional behavior out of anyone representing a company whose services I had decided to pass on. I informed Mr. high that the correct response to my cautious declination was "Okay, well thank you for your time. Here is my card if we can ever be of service" NOT "Oh my GOD and we thought you guys were so AWESOME!! How COULD you!!!" *sniff sniff.

Primerica's response was to DRAFT my checking account for $25.00 EACH month for 5 months as I called, emailed, cursed, for them to STOP drafting the "web support" fee. Keep in mind I had signed up... and changed my mind within 48 hours. I was told the rep had given me outdated cancellation paperwork and to basically go ** up a flagpole because I should have somehow submitted a better "Please stop taking my hard-earned money and making my power bill bounce" paper. Only AFTER I filed a complaint with the Better Business Bureau was I able to recoup SOME (not ALL) of the loss.

If YOU are getting a taste of the Prinerica KoolAid... RUN. FAST. HARD. STRONG ... Oh and here's when you see the trap... Ask your "rep" with the dum-ass grade school "who's going to make the most money here" flip chart if he can take a check for your initial $99.99 fee... And listen carefully. I PROMISE you will be pressured for your debit/credit card. Now I know why.

He replied through text that, "I was ignorant to think an A plus company like Primerica was set up like it is. He then told me to have fun working in a cubicle for $9.50 an hour all my life. Then concluded with “see you at the top!" I replied back to him saying, "My parents had your insurance and dropped it within six months.” I also said “please do not be an ** because you are not getting $90 from me for training." He then replied to me, "You are not the brightest. You should stay in school and get some more education. :)" I would just like to say I don't know any professional company that texts and harasses people to come work for them. I would also like to say that the other posts on this website helped me notice the sleaziness of the company before committing to it so thank you!

Been a sales position I could make as much as I wanted to, there was no cap. To me that all sounded great. But something inside of me screamed get out! So I told him that I wanted to do this part-time because I still liked my current job. He told me I could do it part-time, that it was no problem. Matter of fact he stated that he started out part time and now him and his wife are running their business with Primerica and work there full time. Clearly the company worked.

He told me that I would need to pay $90.00 application fee to enroll and then a $25 or $35 monthly fee to access training classes and my website. Also, he advice me to get business cards and all of that. It all felt so rushed because I hadn't even taken a look at the company. The following day he had scheduled me on a meeting with the Primerica peps. I was excited to meet the corporate people of Primerica. My agent asked me if I could bring one or two people with me. I didn't and lied to him and told him that my friend got sick last minute. I was just unsure as to why he wanted me to bring other people.

In the meeting, it was more like a seminar to bring people to sign up. Long story short, it was a pyramid scheme. You bring two people, they bring two people and so on. You also get money for the people that you bring in and you make profit from the people that they bring in. I guess you can make good money like that as well, but it was not a career that I was interested in.

I left to the bathroom and decided that I would just leave, as I was approaching my car the agent rushed out of the building and asked me if I was okay. I felt bad and I told him that I was just getting some fresh air. He pulled me back into the conference room and I had to sit there and finish the whole presentation. I wanted to quit but I was nervous to disappoint and make my agent feel like I had wasted his time. He asked me to gather 20 people so that we could go meet with them and I could try to sell them the financial product that we were selling. I attempted to make 3 with friends and they all told me, "it's a scam, don't do that job," and I felt more discouraged. The following week I attended another seminar and there they distributed checks to the best employees. They also showed examples of employees that had climbed up the ladder and were making millions of dollars.

The following day I called the agent and told him that I didn't wanted to do this anymore, that I wanted to quit. He kept me on the phone for 25 minutes trying to convince me to stay and give this a try. I decided not to stay and quit. I did get my $25 or $35 dollars back but not the $90.00, I used that as a reminder not to throw my money on a job that I'm unsure about. People were nice, but I'm not too into working in pyramid schemes. I'm too shy for that, I guess.

Original Review: March 22, 2014

I contacted the person that sold me my policy if he could give me a quote for a 30 year policy, he never responded. I found a better quote so I contacted him again and asked how I could cancel my policy because I was dissatisfied with his service. He said only he was able to cancel it, and he would take care of it. I attempted to contact him to confirm it was canceled and no response. The money is still being taken from my account and still no response from the person that I was working with. I would never recommend this company to anyone!

Monday came, I went to FedEx and completed the finger prints and called him to see where we were to meet. He told me to find 2 people that we could go visit. In my head, I was questioning this because we had discussed just him and I meeting to discuss my next steps. I set up a meeting with a relative and told him that it was about purchasing life insurance and for him to listen for details and see if he was interested. Todd arrived at my house and met my cousin and to my surprise, he was actually talking to him about joining the company. I was floored because I felt as though this is something that should have been discussed with me prior.

Then he went into detail with him about the company, the same as he did with me on Saturday and my relative agreed to give it a try and paid his $99 fee. After he collected his fee is when he gave more details on what is required before we can earn 50% profit off of our sales. I had no idea that it was a requirement to recruit at least 3 other individuals to join. I explained to Todd prior to signing up that I am a single parent, I am in school full time, I am a volunteer coach for 3 little league basketball teams, and I teach teens church. If he would have told me that I had to actually recruit 3 individuals I would have NEVER agreed to join the Primerica network. I understand he is a sales person, but it is unethical to leave out important details when encouraging someone to join your company. I told him my schedule prior to joining and he said that it was no problem. But then after I joined he starts giving me dates that I need to attend meeting and a whole weekend that I had to leave town, when he knew I was already involved in other activities.

This was a learning experience for me. Money is already tight as is with me being the only provider in my household with a young son, so me taking a risk putting up $99 that I honestly didn't have to spare to begin with to try to help my family and friends get life insurance and to have information withheld hurts. I emailed Primerica last Thursday morning requesting a refund of my IBA fee and the POL fee advising I no longer wanted to be involved with this company. At that time the funds had not been taken out of my account and it was less than 7 days since I joined. I received a letter in the mail yesterday that said they would not refund me the $99 IBA fee. I feel like this company is fraudulent at this point. I try to look at everyone as God's children and trust that company's run ethical practices, but not in this case. I now want to cancel the life insurance policies all together because I do not trust them at all.

Original Review: Feb. 20, 2014

So I went to a meeting in Ann Arbor, MI after I got a call from a man named Terry who said he had heard I was looking for work. 9/10 I am extremely cautious and have already worked for a company that followed a "Multilevel Marketing" structure aka "Pyramid scheme". But at this point in my life I was desperate and from my personal life being pushed to take whatever opportunity came my way. So I came to the "office" which I naturally would have turned and walked away from after seeing the Arial printed title Primerica on printer paper which would've been more appropriate for a drug house than a professional office but I drove almost an hour and was desperate so I went in.

The setup was deceiving enough. Just your typical boring office. I met the few people including what I suspected were secretaries at the front. I didn't encounter anyone rude although during the presentation I couldn't help feel out of place while everyone seemed a lot more optimistic than I did. Against all better judgement and I know I'm a disgrace for doing it but I signed up and paid the $99 fee for the application. I didn't have to give Terry a list of anyone I knew however he did insist on meeting my parents who are very respected in my small town. I am doing another sales job (which is a single level marketing job) and after work on 2/19/2014 today I woke up from whatever curse allowed me to lose my sense and tie my hands (and money) to this company who I knew had no intention of taking care of me.

I looked up complaints and this site appeared at the top of my Google search and I began feverishly reading through the heaps of complaints and affirmed my all-too-real nightmare. I'm sure Terry is still awaiting me to tell him to visit but I don't want anyone associated with Primerica trying to get at anyone from my family or friends for that matter. It has only been a day since I filled out the application but after reading these complaints I can only imagine that I will have to fight to get reimbursed or I might just end up empty handed regardless of what I do. Another note, I looked for the tab described in fine print in the application for deactivating the POL service of $25 a month but wouldn't you have guessed... The tab where you deactivate the service doesn't exist on my profile at all. The only way to deactivate is to contact an employee of Primerica. Convenient... Well I guess I'll see how this goes and hopefully my added warning will help to save someone else's hard-earned money.

As of the training... We knew we wanted to do this with our lives the minute we saw the opportunity so we didn't only go to the 4 hours a week worth of training that was offered, we self educated on our own. I wanted Primerica to pay me like a business so I treated it like a business and put time and effort and guess what... Now it pays me like a business with $25k month residual income.

My goal was to get as educated on the policies as I could in an effort to help my friends and family protect their loved one's future. But more and more all I heard from the RVP (Regional Vice President) and others was getting more people in the door to sell policies. It was obvious that recruiting was way more important than educating the sales force. One evening a sponsor and I went to an appointment I set up with a good friend of mine. When my sponsor couldn't answer a simple question about investment fees, after he bragged on the ride over he'd been doing this for over 9 years and had over 100 clients, I really began to doubt the legitimacy of Primerica. Before we left my friend asked for a quote on a 30 year term life policy. My sponsor agreed although when we got in the car to leave he explained to me it wasn't a good idea because he likes to go over the policy in person.

My friend called me a week later when he received his term policy quote. He ask me if I was aware that the 30 year term policy, that Primerica had bragged so much about and pushed so hard, was only guaranteed for 20 years? I was floored! I brought it up to my sponsor and he passed me on to the RVP for an explanation who came up with a number of reasons why it was set up that way and although it says it's only guaranteed for 20 years it won't go up after that. I asked "Then why isn't it guaranteed? " He once again tried to give me an explanation that didn't matter. I now realized that I was expected to sell a policy to my closest friends and family that I knew wasn't guaranteed when there were several 30 year term policies on the market that were. When I explained to the RVP that I couldn't in good conscience sell an inferior policy to people who trusted me I was given some desperate validation for what Primerica did. He told that those other companies who offer 30 year guaranteed term policies also sold whole life policies that were not good for their clients so they didn't have their best interests in mind. I've learned a lot from my experience at Primerica, be careful who you trust and if you've bought one of their 30 year term policies look at it! I've already stopped payment on mine and gotten a new "guaranteed" one.

In a year you're out $300. So if you don't sell or recruit, however they work you're out of luck. That was my second red flag. Why must you spend money in a company that isn't yours? You are not buying an uniform, PPE, you are pretty much buying bragging rights or "franchise" from the company... at $25 dollars? What company sells their name for $25? One of the biggest, brightest RED FLAGS, if anyone can join in, and make millions, how are you going to make your millions? Of course we all want to be rich and successful, but we will be it at different levels, and there has to be customers.

The presentation was very brief for the actual insurances you are selling, but it was very over-elaborated in the recruiting part of it!!! Telling me how if I make money some else makes money and his superior makes money. So if I recruit I make money off my recruits, then my superior makes money. What you have to wonder is what about the 10th generation of recruits, how does the company will make any money for itself if they all make money off a single customer? It is just a pyramid scheme. I know I'm at a young age, but if you are hungry for wealth and power just climb the corporate ladder or be an entrepreneur, or both. Remember if it seems too good to be true, it probably is. I hope I help someone avoid headaches. This is my good deed for the week lol. Good luck everyone!!

Soon after I was in the Primerica class which was stone cold boring and pointless. Soon after, Dru learned about my automotive experience and introduced me to her friend, **, who at the time owned Dass Complete Auto in 6525 Southern Blvd. I worked for him for a few months till he turned into a cheapskate and refused to pay his employees. What was even more scandalous was Dru was horsing around with my boss ** who is a married man! It just comes to show you how someone’s character is. Scams, **, and scandals...Only @ Primerica.

Seriously, I am tired of being harassed by her. Is her pay that bad where she has to bug family to get paid like no means no! Not only does she bug me but the man who recruited her called me 3 times trying to set up a meeting. I'm like, “I’m not interested,” and he continued to say, “When would you like a meeting?” I’m like, “Are you deaf **?” I had to change my phone number!!!!! Seriously sick of them and I never signed or was interested in the first place.

I also attended one of their "meetings" and they are all robots that do and say whatever the VPs make them. Needless to say, I was done with that place! I was a sales person around that time and I know a SCAM when I see one. This company is one! I now work at a financial office that helps people come out of debts and I have heard of a few complaints from Primerica from our clients, WHAT A COINCIDENCE!! I hardly speak to this person anymore, and I figured if he was really a friend, he wouldn't be trying to scam his own people! If you want to work here or consume their products, YOU WILL BE LOSING TIME AND MONEY!!!!!!

Currently working on my Securities license 6/63. The company pays for all my education and pays for my license test and fees. The position in the company is strictly commission and those that have bad experiences I find never even get licensed. The test to get licensed are hard but the rewards are great. I run a great base shop with a great RVP that will work with ANYONE to achieve maximum potential in the company. I don't know if there is a way to get a hold of me on here or whatever but if a person is serious about selling and obtaining a license, I will help them out starting from A all the way to Z.

They then whisked me and a few others into a small room to listen to an hour-long slide presentation by this kid who was full of bull from the get-go. It was a sales pitch. I wish I had my car to leave at that point, but was a prisoner. Whatever questions I asked were dismissed with vague answers. Each time I found an error in what he was saying, he got flustered. Then the guy who brought me there said he wanted to personally introduce me to some hotshot leader of their group. The two of them took me into yet another office and started saying there was something "special" about me, and that they didn't accept just anyone into the program (Yeah, right). I was asked a lot of personal questions, and then they asked how many friends and family members I could connect them with, so that they could "present" the product.

You don't have to be a rocket scientist to know this is an MLM. Of course, they deny it. But the earnings structure is quite suspect and only those higher up in the pyramid actually make the real money. The business model depends on you connecting them with your friends, who won't be your friends after you inflict this sales crap on them. I politely passed on getting involved. This infuriated the guy who brought me, and he insisted that I was an idiot and a loser for not doing it.

Now, this was back in March. I distanced myself and never spoke to the guy again...until he mistakenly texted me last night, rather than the intended recipient. After a few text messages from him where he bragged about how much money he's making, allegedly opening new offices, and saying that I missed out on a great opportunity, again I tried to politely end it. He then became hostile and nasty, texting me again that I'm a loser. RUN from any MLM, especially this one.

I have been told that their product is barely an actual product - which would categorize them to be somewhat of a pyramid scheme. If it looks like a duck and it quacks like a duck, it probably is a duck. They require license training through ONLY THEM, even if you already have a license, but tell you that it is a state license. They try to tell you that the background check is through the FBI....which is BS because they also say that they only look for criminal records. An FBI check would involve way more than that. They act all nice to you, regardless of what you do. They are super fake, and you can always find their eyes glistening at the talk of money or clientele. They are desperate money-hoarders, you pay in to get into the company....former employees have reported that they got terminated for reasons they simply made-up. Primerica is not even supposed to terminate people! But they found a way around that. Just took their deposit money as well as many other things and sent 'em to the dogs, refusing to give them a refund.

Don't apply for this company unless you're a multimillionare who has enough money to invest in it, preferably someone with a corporate background that can easily outsmart the RVPS. Even then, you'll have this on your conscience for the rest of your life - ruining families who are already in debt with ** products that cost way more than any of the other ones out there. Who are actually licensed and BBB approved. Primerica is not, from what I believe. They also get involved in a lot of political affairs and opinions - they try to show you a scheme to illuminate the financial system in America and conform to their ways. So this is either an anti-government conspiracy, or a government conspiracy. I'd say I'd go with the first.

Either way, Primerica sucks. You'll lose over 600 dollars working with them for only a couple of months, and the fake pats to the ** stop after a while, and they suddenly get really abrasive with you.

Once I purchased pre-paid legal for legal advices. She made $50 commission off me. I only spoke to an attorney twice asking minor questions. Attorney wound up giving me inaccurate information. I check the background of the law firm, and they are under federal investigation for approximately two years. I wasn't surprised. I spoke with this recruiter on the phone and asked for possible refund. Needless to say, it was denied. She even told me some lame excuses and hang up. I canceled this program immediately. I haven't spoken to her since. This recruiter harassed me for a long time and practically ripped me off.

I too was approached by a Primerica recruiter, a very nice and personable gentleman that had a very pleasant disposition, with a natural born salesman type of personality. The discussion was upbeat and motivating, and since I was looking for a job, I listened. I set up an appointment for later in the week to meet and discuss the opportunity in more detail.

At the scheduled meeting, I was told that there was a fee of $99 to obtain a life insurance license and start my new career. In my case, the application was done online at the recruiter’s office and afterwards, I was given a paper copy of the Independent Business Application (IBA) which contains the contract details between you and Primerica. I would suggest you read this BEFORE completing the online application. It is about five pages of very fine print, but you are required to verify that you have read it in its entirety, understand and agree to the terms on the online application.

On the application, there was also a section to sign up for the reoccurring fee of $25 per month to have access to Primerica Online which provides a wealth of training classes, manuals, and videos to make sure you pass the exam. You are not required to sign up for the online access, but I recommend you do, at least until you become licensed. You can stop at any time. The online service also tracks your licensing progression, your clients and contains all the tools to make money - tools like the competitive financial analysis, the instant quotes for life insurance, annuities, and mutual funds, plus a wealth of other information. I was impressed with the online website because I know what it takes to keep something like this updated and current, but I feel this should be a tool that the company provides for free. After all, it would be difficult for a salesman to be successful without the online tools and calculators.

The $99 application fee was to cover the $42 fingerprinting fee, the $50 state application fee (which includes a background check), company administrative fees, and a company sponsored 30 hour pre-licensing instruction class. Being licensed before in another state, I thought this was a very good deal. Just google the cost of pre-licensing and you will find that the $99 fee for all of this is a huge bargain.

The pre-licensing class is provided twice per month. It is very intensive, but good. You learn a lot, and fast. The class starts at 6:00pm on Friday night and all day long on Saturday and Sunday. The recruiter met me at the class at 6:00pm on Friday evening to give me a pep talk, wish me well, and provide a bag of snacks and two bottles of spring water. I thought, wow, pretty nice treatment. I completed the course with no problems and took the state exam three days later and passed. The only thing that the recruiter failed to tell me is that when I went to take the state exam, I would have to pay a $52 exam fee to the administrator company called PSI. When I contacted the recruiter, my recruiter told me that Primerica would reimburse the $52, and they did after I passed the exam. So far so good.

It has now been two weeks since I passed the state exam, and I still have not received my license yet. The recruiter has called twice trying to get me to make appointments with friends and disguise it as a sample training exercise. I understand that most recruiters will want you to provide a list of all your friends and family members to them so they can contact them in the event you don’t and try to arrange meetings to sell insurance, annuities and mutual funds.

Personally, I do not have many friends because I am new to this state and none of my family lives here either. The recruiter said cold call prospecting will make it a lot harder for me. Well, I expected that. If you do have a lot of friends and family who will buy from you, DO NOT go with your recruiter before you have been issued a state license because he/she will be the one getting the sales commission since you have no license yet. In fact, I would not supply a list of your prospects to the recruiter at all. Guard your list with your life. This is your future income, not theirs. If they don’t like it, tough, you are not an employee. You are an independent contractor. You have paid for your own license.

The bottom line is that this is a basic life insurance sales job. Until my license arrives, I will not be able to compare Primerica products with those of other companies so I can’t speak as to whether they are competitive or not. To be successful and make any money, you will have to sell to your family friends and people you don’t know. You will need to approach people everywhere you go and become aggressive in a non-confrontational way. You had better learn to market yourself in every way possible. Certain people are more suited to this type of business than other. If you are honest, naturally friendly and have a bubbly personality, you will probably do fine.

Keep in mind that Primerica places a lot of importance on recruiting new sales people. They recruit approximately 20,000 new people each month in the US and Canada, but only about 20% ever last more than about a year. Yes, you heard it right; they recruit 240,000 new people each year. Of those, most only sell a few products each year on a part-time basis. On the Primerica website, they state that out of the 80,000 sales people licensed with Primerica, the average annual compensation is only $5,400. So, if you spend $99 to get your license and pay the $25 monthly fee ($300 year) for online access to the Primerica tools, you will earn about $5,000 part time.

And let’s face it, this is really not hard work. The more effort you expend, the better you will do. At least that is how it looks to me right now. Of course, if the product prices are not competitive with what you can obtain from other life insurance companies and investment firms, you will only be able to sell to stupid people or folks who don’t investigate prices. Hope this helps those people looking at Primerica.

I was suggested to apply across the hall. Lol, guess where broke people work. For my second response to the ad, on 6/5/13, I went in for interview, same thing; I have no money, they have no interest... however, that info, pay $100, my first month I get $500 back in bonus maybe to entice me to send the $100, Idk. My hunch is that as brokers, their job is to keep the money coming in. I think I'd rather get involved.

Primerica still believes that its Independent Business Associate agreement gives it the right to keep the $99 enrollment fee. The problem I have is that numerous representations were made orally by Primerica's own Regional Vice President, who made various oral representations to me that were a part of the contract but not documented in writing. Anyone who meets with a Primerica Regional VP, and there are thousands of them, be sure to force the RVP to put in writing on the agreement each and every statement on which you rely. I want to clarify what I mean this time with a written statement from the RVP. Here is an actual email message that I received:

"Mike, I have been with the company for 14 yrs. I would not do anything else with my life. We are rated A+ by Better Business Bureau & traded on the NYSE! Our Stock has doubled in the last two yrs. Before you shut the door, please go to Primericabusinessopportunity.com & get the real picture. Last year, I relocated my family to TN from Michigan. I think it would at least be worth your time to talk with me. I will answer your initial questions this way. In 1998, I made roughly $40,000 part time; then I quit my Job in which I was a District Mgr & my wife was VP with a large bank in which she also quit to stay home & raise my children. My 1st year full time, I was paid $114,000 then $212,000 on my second yr. Also, I am very interested in opening another office in Oakridge. We are the largest financial services co. in North America! We deal with every mutual fund co. We are the largest life ins. co. in the world rated #1 by Findthebest.com, & have more people that make $100,000 a year than any other company in the world. If you have an iPhone ask Siri. That was just to at least make you smile. I hope that you at least checked into what I have said. I am looking for quality people who are leaders & from what I read in your post, I think that's you. I would again at least like to talk to you & see if we are right for each other. Thanks!"

Here are the problems with the email message. It implies that he is earning a steady 6-figure income. In fact, his wife admitted that he hit a low point around December 2009 and was making the lowest earnings of his career with Primerica - and that would have been after 10 years with the company. Imagine, 10 years and your income reaches a low point! Do you think that would be relevant to a new recruit? Oh, I guess Dave forgot to mention that. Note where he says, "We are the largest financial services co. in North America!" The financial services companies include investment banks like Goldman Sachs, and commercial banks like J.P. Morgan-Chase and Citigroup, the former parent company of Primerica. These firms are approximately 50 to 100 times larger than Primerica in terms of market value, assets under management, impact on the economy, etc. The only category in which Primerica would be larger is in employing non-salaried, paid on commission independent contractors. But who cares that they employ a huge number of independent contractors? What prestige is there in that fact?

It is a simple fraud to state Primerica is the largest financial services company in North America. Also, this is not a simple one-time misstatement. I heard Dave ** deliver presentations over the phone and in front of groups including members of the public. I heard him repeat that same claim on four separate occasions. Second, notice the claim "We are the largest life ins. co. in the world." Again, that is a fraudulent claim. Do you remember when the nation's largest insurance company, AIG, was in danger of collapsing? The Federal Reserve and Treasury Department had to arrange a bailout of AIG. It was such a large insurer that it threatened the entire economy if it had collapsed. Primerica is a dwarf in size compared to AIG or Metropolitan Life, which is something of the gold standard among life insurance policies and carriers. Again, I personally heard Dave **, RVP of Primerica, make this fraudulent claim on four different presentations to members of the public. If Primerica's own Regional Vice Presidents are loose with the facts, what does that say about the company? At the very least, it means there are a lot of loose cannons out there that need to be reined in by the company.

Finally, I urge Primerica to stop coming up with an excuse to keep the $99 application fees. Do the honorable thing and offer people who were giving your company a chance the right to a no-risk full refund of their "enrollment fee." If you were really as good as your company is billed by these RVPs and their cohorts, then you would not have to issue many refunds. But with the reality of your company's business model, you would likely have to refund 99% of the fees you charge. So why not just stop charging any fee at all?

Anyway, of course it was a sales pitch and after being in there for like an hour and a half or something like that, he told me there are charges/fees if I am interested in joining them. Anyway, he then got into what he said was an application. He didn't have me write anything on the application and just read aloud to me the boxes he was checking off as it was just questions like any criminal background, that type of thing. Well, I got home and got thinking about it and something about it all was bothering me. Someone brought it up to me if it was salary or commission-based. I said it sounds like commission to me. So that's no good, as I have no job, no money right now and no car, so getting around to people's homes is kind of silly. But anyway, I suppose if it's something you want bad enough and to make some money for, you do any job and do what you have to, right?

Well, so to cut to the chase, here's why I am writing this right now. I read some of these reviews and fear I may have signed a contract today instead of what he said was an application. I mean did anyone sign what they thought was an application and hand over their bank account number and branch number only to find out later on it was actually a contract? I mean I feel like an idiot now hanging over my bank account info when I hadn't yet signed up for anything, nor did I read the fine print. I am usually smarter than this and I guess I got taken in by how personal the guy was with my family member and me. He said in a couple days to come in for a thing that would be, I take it with other people, for even more information into the company/business. So as far as I know, I didn't sign anything about the $99, etc. type fees. However, and I am usually so much smarter and more cautious about these things, the fine print, asking more questions, but I didn't actually read the fine print.

There were pages and pages covered on both sides and he said it was just my info, like full name, address and then just a bunch of checkboxes to mark off about if I had a criminal background and things of that nature. I could see him filling it out on the desk in front of me and I should have asked to see the fine print. I guess I was being too trusting and didn't want to be rude which is unlike me when it involves these types of things you got to watch out for. Well, I was led to believe you know I wasn't yet signing up for anything, it was just an application and in a day or two, I would be coming back in for more detailed info about Primerica. And now I am worried about why he wanted my bank account number. But as far as I know, someone with your bank account number can only deposit something, not take something out.

Please help. I am worried that this guy has my banking information and didn't make sure I read the fine print before signing anything. I thought the fine print on the application was just going into more detail maybe about what each criminal type offense was that he listed off. The worst part, so far anyway, is that I just felt like a fool and was taken advantage of. My family member got into some really personal background stuff about his family who grew up in the area and problems with past jobs giving him money they owed him and the time wasted. My family member and I get that it's a scam and that I need to keep trying to get a hold of the guy ASAP to tell him I am not interested.

But I have a feeling I stupidly signed a contract today and that this won't be the last of it all, even if I don't hear from him for a while or a long time. I saw a post on here that said money was being taken out for something they didn't sign up for or register for or whatever. I'm worried. Anyone run into a problem with this or is it actually an application? I have had to sign applications before but why did he need my bank account info. And again, he has my bank account branch number and account number so someone could ever only deposit money with that, right, not take money from it once there's actually money in there of course? I didn't even sign up for anything or was told I was hired, so believe you me, I am feeling mighty stupid over here for giving him my bank account info, period. Please help. Thanks.

The first red flag I should have noticed was that this company would let in any Joe Schmo off the streets and hire them. It cannot be legit when they are so desperate for people to join. When I met privately with Pam (Frankfort, IL rep), she basically masked what the job was about until after I signed for $99 to be taken out of my account and $25 for Internet services I never used. Well, after she got my money, then she proceeded to tell me that I need to recruit people and give her my family and friend's phone numbers. If I had known that prior to signing a contract, I would have never joined. Then she wanted to meet w/ my boyfriend at our house so that "he knows what I'm doing in this business," but really she tried to recruit him too. She would try to make him come to meetings. I never once brought him and never intended to.

As for their educational classes twice a week ... it's totally garage. They are not educational. They sit there and tell you the same thing every week. They teach you "how to talk to people", which really is they teach you how to try to push people. It is nothing but a scam and all they care about is recruits because that's how they make money. Be aware of Pam ** from Frankfort office in IL. She is pushy and will not leave you alone until she gets her way. She still tries to contact my friends after they told her no. I am totally embarrassed to have ever been affiliated with this company. Also, anyone who has rated this company 5 stars works for them as it's part of their scheme and they are trying to get higher ratings for this company.

When I complained to both MetLife and Primerica, a lawyer from Primerica called me to investigate it, not to help me, but to cover their liability. She kept telling me that she would try to get my tax penalties back for me if I submitted paperwork even though I kept telling her I didn't care about that. I just wanted to leave Primerica. She really didn't care about my problem at all. In the end, she concluded that I was at fault.

All I asked for was to transfer my account to another company (keeping MetLife). I didn't ask for any refunds or compensation for my losses in any form, and they basically spit in my face. Now if I leave, they will hit me with another penalty (MetLife). The really bad thing is I didn't even ask them for anything other than to leave. This company does not care about their customers or take responsibility for their actions. They are parasites who just want to take as much of your money as they can. Do not use Primerica! They are crooks!

I just found out now, again about a year and a half later, that they've been charging me $25 a month for their online services, that I have never used, and didn't even know I signed up for! I called Primerica, and they said that I signed a contract authorizing the charges, and that they won't refund me even though I was never told that I was signing a contract (I was told it was just for the $99 thing) and the guy said he understood I didn't want to work with Primerica! The RVP won't answer or return my calls now. This company is a scam. Don't work for them and don't do business with them.

From that list, the good thing I did was give them a very well-educated list. A lawyer, an MBA business manager and a business owner. The MBA business manager (my buddy) came to my house, so the Primerica recruiters came and were trying to recruit him more than offering him their services. Big mistake. My buddy held them for almost 4 hours. Yeah, he knew his business and made them all look silly. Then the lawyer (my neighbor and friend), the RVP from Primerica came to this presentation offering them like insurance. So the lawyer said, "No thanks, we are all set. We have all we need - a very good life insurance and I have a good job. Thanks, but no thanks." The RVP got very feisty and made her feel very dumb. So right after we left, the lawyer texted me and said, "He was very rude and unprofessional. I was biting my tongue not to say anything unintelligent and rude to him."

I was embarrassed and felt like a ** for bringing this man to her house. That was it for me with Primerica. The only people they get easily are the very low, uneducated, low class. My goals and dreams are bigger than selling insurance to people who do not know what they are getting themselves into. Follow your dreams, not others.

I had my interview today. She didn't have my resume and I had to provide her one. I had to fill out an application and I am sorry, when someone uses the words unlimited income opportunities, I grow very suspicious. Ding #2. Ding #3, 10 references? Really? The questions sounded more like a sales pitch than a job. Do I want my kids to be proud of me? I am child-free. I don't have kids. Something that was brought up repeatedly. I sat for an hour listening to Janelle go on and on about this company. Finally, this was the conversation:

"Well if this is what I think it is, then I want to hear about the job. Then if I like what I hear, you can tell me about the company."

When she told me I was providing financial security to a family who really needed my services, so it is sales? Commission only? No, if you go out and spend 4 hours at a client's home and they buy, then we reward you. So commission only. I worked as a travel agent for 12 years and made the same about of commission, had a salary and all my expenses paid for me. So what is it going to cost me to work here? Only the $99 that is required for your licenses and $72 for a background check (I have never paid for my own background check). I also did not like the fact that she asked me for full disclosure on my background despite the fact that they only wanted to know if you have a felony or were a registered sex offender.

I know people who do this for other companies and they all are struggling and have to have 2nd and 3rd jobs to pay to work for these companies. They have to pay for gas and other expenses even if they don't sell a thing. They also told me they wanted me to own my own office sometime. I have no desire to own my own business. I personally do not feel comfortable going into someone else's home that I do not know. I told her that I had no desire to sell insurance and work for commission only. Then she had the gall to ask me if I was interested in their service. I told her I wasn't giving her company a dime. She asked if I mind if she contacted my references to see if they were interested in working for them. I told her hell no and they would all be given her name and number so they could avoid her call.

I came home and told all 700 friends on my Facebook list and the 1,000 on my fiancee's and have asked people to share so no one is sucked in by the company.

For those people who have problems with the direct withdrawals from you bank account, follow the instruction you have been given. To cancel you Primerica online, call the number in your help desk menu. To stop your IBA, which is the digital or paper form to start, call the home office. To stop your direct withdraw for your life insurance, which I do not recommend, first call the client help line in your policy book. Then, pay your premium for the year. This will then start a quarterly, bi-annual or annual option much like your auto insurance. This company requires you to work, study and master your trade. This industry requires you to have a thick skin and a thin skull.

Primerica is not for everyone, but every one needs Primerica. They've helped me and several friends and family get on the path of debt freedom and financial independence. I challenge all you naysayers to name another company that has your best interests in mind. They helped my investments, my mortgage and my life insurance. Many of the agents I worked with became some of my best friends. Do not let a few incorrect, irresponsible agents obscure the truth. Don’t let a disgruntled "former" representative twist the facts.

With that said, it is their recruiting practices that are shameful. They scour the internet looking for recruits. They will tell anyone with a pulse that they are offering them a wonderful business opportunity and hire them. They will tell them they will be their own boss, run their own business and make mountains of money. One of these statements is true and that is the potential to make mountains of money. Since you sell primarily Primerica Life insurance, you do not own your business, Primerica does. You are also not your own boss as you work for and represent Primerica. You may have a high degree of freedom however you are not truly independent.

In regards to the mountains of money part, making it is not easy and most people will not cut it. In order to sell Primerica life insurance, you only have to take and pass a state licensing exam which is way too easy to pass (why do you think there are so many life agents?). Then if you want to sell mutual funds through them, you must take and pass an exam called a Series 6 (which also is not difficult) and the Series 63 (which is even more of a joke). Believe it or not, a lot of people still fail these exams. After passing these exams and making through the period after you gave away all of your family and friends' names, you now are on your own.

The majority of the commissions made off the sale of insurance and investments went to the agent that recruited you. Now, it is your turn to recruit people to do the same for you. This is not a scam, it's just misunderstood and poorly explained (also it is cheesy). You have to be very outgoing with skin as thick as concrete. It is purely a numbers game. Ask 100 people to join, 10 will maybe check it out and 5 will try it. All 5 will wash out but hey, you sold life insurance to 3 of their friends who care. Next 100, here we go. Some agents for Primerica look for sales in more traditional ways and don't do the recruiting stuff.

Now to comment on the people who claim their insurance is a scam, it is not. It is just poorly explained and understood. Primerica only sells term insurance. Term insurance is just that, insurance for a term of time. There is no value and no payout unless you die! It is awful that these policies are sold without being explained. It is pure protection and nothing more; that is why it is cheap. Everyone's term insurance is cheap, not just Primerica's. The idea is to buy cheap insurance with a large death benefit and take the difference you would have spent on a permanent policy and invest it. The goal is to invest for 20-30 years and have so much money later that you are now self insured and no longer need insurance.

They have a one size fits all mentality in regards to investing and insurance. This mentality applies well to lower and lower middle income families but it is not always the best solution. They preach the evils of whole life and permanent life insurance but most of them don't know everything about it or alternative uses for it. ("Estate planning, what’s that?" they say. Passing on income tax free for generations using a trust? Huh?) They don't do these things for their clients so they don't need to know about them.

With all this said, I must also say that not all Primerica agents are bad people looking to take advantage of people. In fact, most are trying to help. However, since they come from all walks of life, many are blind to the fact that their products and solutions are not the best, cheapest or appropriate for everyone. I have an acquaintance that works for Primerica and he probably makes around $70,000 a year but he recruits and prospects his butt off. He works 24/7 and asks just about everyone he meets to work with him/for him, whatever. It is not the job for most people and I could not work with clients like that.

If you want to work for a firm with less controversy, you will need to get many more licenses, college degree and you won't have to recruit employees. My qualifications: Series 7, Series 66, Life agent, Health agent and Variable Annuity agent. I'm also studying for CFP exam.

They then showed YouTube clips on marketing (which I had already seen while I was in college) and Richard asked me why I wasn’t taking notes. Later when I asked questions, he kept referring to the movie "The Avengers" in which they use a referral method. I was then asked to make a list of my family and friends and list their phone numbers. As I looked on the list, that's when it hit me that this was a scam. I was then taken inside an office and asked to give my credit card number for the $99 fee. Like an **, I did. I finally realized that this was a scam after I left and looked to see if the payment had been processed. It is still in the "pending" stage. I then went to my bank and cancelled the card and was issued a new card. If you ever see them at a job fair, run from them!