I have read a number of the posts on this site and feel obligated to share helpful information with people who have expressed so many complaints about Primerica. First of all, you are reading widespread complaints about this company because Primerica has compliance problems that begin and end with its top executive leadership--Co CEOs John Addison and Rick Williams.
This is not speculation. I know because I was a representative with the company when the previous CEO Joe Plumeri was there and everyone in Primerica knew that Mr. Plumeri was serious about compliance and would terminate the business agreements of anyone caught violating the rules regardless of the production or earnings of top producers.
The mere fact that there are so many complaints on this site is a serious indication of compliance problems. Primerica does have a compliance department, but the people that work there are Primerica employees and do whatever to protect the best interests of "Primerica." Meaning that there only function is to cover-up wrong doing and control the representatives (thereby controlling the outcomes of a bad situation).
What Primerica does for the consumer is "noble" in cause. I still believe in the FNA concepts that they share because, if applied they work. Most of the people who join Primerica are good people who really want to help others. However, there are some bad people who think they are above the rules and have given the company a bad reputation.
Primerica reps only use (for-profit) magazine sources for their references and do not do their own extensive homework on their own company because they are so busy trying to win incentive trips and make money for awards and recognition. Plus the RVPS, SVPS, NSDS, SNSDS (OSJs) who are earning six and seven figure incomes are not going to upset the applecart by correcting unscrupulous reps or corrupt senior executives at their corporate office because that would jeopardize their "bread and butter."
If you have experienced any unethical conduct or deceptive recruitng practices by a Primerica representative, you CAN do something about it:
(1) File by phone an anonymous complaint 24 hours a day, seven days a week with: Citigroup Ethics Office
You may also fax your complaint to (212) 793-1347 or you may send it by mail to P.O. Box 729 New York, NY 10013
(2) Register with the National Do Not Call Registry toll-free at (888) 382-1222 or online at donotcall.gov
If you want to stop the deceptive recruitment calls or make sure Primerica complies with rules and regulations, please remember to do both #1 and #2. Best of Luck!