Primerica--anyone have experince with them?

Question

Primerica--anyone have experince with them?

Answer 1

best decision i've made in my life.

Answer 2

I'm a current representative there and I'm not sure if you talking about current agents working there or clients dealing with them.

I don't know about the other agents in the company, but my clients are completely satisfied in what I was able to do for them. I was able to help them get lots of coverage on life insurance for low amount of premiums, show them a plan to eliminate debt, and help them find suitable investments that meets their objectives. Some of my clients even cook me dinner or invite me to their parties.

On the business side, I started the same way as all the other agents started, which is the beginning. I didn't have a big market to work with and didn't make lots of money at the beginning. I did make some part time income here and there, but not on a consistent basis. Since I didn't have a warm market, I had to talk to complete strangers and show them what I do. Building a business is a simple concept, but it isn't easy to do. I understand that in business, I have to work hard to make it work. If I slack off, I'm only prolonging my chance to be financially independent.

Answer 3

Yes, Big Scam!

Answer 4

yes i have it is a great company butit wasent for me I got involved with  prepaid legal services alot easier but primerica is legit

Answer 5

I have ran into their agents and have seen their products.  Basically buying term insurance and investing for retirement is a sound approach for most.  But that is where it stops for this company.  Many people never invest the difference and they have no solution other than the buy term and invest the difference approach.

The term is of poor quality, and it is overpriced.  For some reason they believe that their products are the best out there.  But any seasoned agent outside of their company knows this is not true.  Also they seem to charge more for the loan program they use as a tool for getting people out of debt.  The agents from this company tend to think interest rates don't matter when it comes to their loan program.  If that is the case why not just offer everyone a 5% interest rate if your company's purpose it to get them out of debt? lol

Then their is the 12% they think every client can get out of mutual funds.  Hahahaha.....  

Basically if you were to read a few finance books you could do better on your own with an independent agent.

Many of the agents do not know about anything outside of what their manager tells them or some representative from the few companies that they are affiliated with.  Up until this year they touted Citigroup as their company or as if they are heavily endorsed by Citi.  Now that Citi has their major problems (conflicts with what they believe in) they try to separate themselves from them.

If you are looking for them to help you with your finances or at the business, you can do better elsewhere.  Also there is tons of info on the net about them.  Just google......