• Report: #3826

Complaint Review: Primerica Financial Services

  • Submitted: Sat, November 11, 2000
  • Updated: Sat, October 28, 2006

  • Reported By:
Primerica Financial Services
USA And Canada Nationwide U.S.A.

Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments *UPDATE its flopportunity
*UPDATE: Primerica offers a good business opportunity & stands behind its products & services - Company Executives have told Rip-Off Report that Primerica pledges to resolve complaints & address any inquires from the past, present & in the future.

*Consumer Comment: Greg in Holliston

*UPDATE Employee: The PFS Term Life product is excellent coverage

*UPDATE EX-employee responds: more Crimerica war cries!

*UPDATE EX-employee responds: other companies offer better services for less money...

*UPDATE Employee: Yes we do get paid for our services

*0: why were you surfing a site called RipOffReport looking for a company you were happy with?

*0: I am a satisfied customer - we ran the numbers ...

*0: Whoever reported Primerica I could give them the biggest hug ever.

*0: person who is shouting in ALL CAPS, you are full of it.

*0: Nothing you just said even makes sense..

*0: A FRIEND OF MINE HAS JUSTA STARTED PRIMERICA AND ASKED ME ADVISE ON THIS POST

*0: ..your just to blind to be able to see how that is

*0: "Let me explain it again" -Don't know..don't care. Why do you?

*0: Well, I can see that C.D. (chronically depressed) only reads what he wants to. Art and I are not the same person.

*0: By the way, Ray doesn't like that internet site because he used to post there.

*0: TO THE ABOVE REBUTTAL: More typical company lines from a PFA who is breaking compliance by posting to an internet site.

*0: i still haven't found 1 site with any credibility and this one is NO different. ..i'm not here to help you silly half-butts.

*0: Sorry..your company exists to do one thing. That is to sell the world on its flopportunity, charge them $200 for the dream, sell a policy or two to the family, and maybe a refi.

*0: Another REBUTTAL filed by a member. "I happened on this site by chance" ..yah right.

*0: So go back to school...I mean, send your wife back to school

*0: I, well my wife joined not to long ago i think it is legit.

*0: If it's not a rip-off then why do they require a 199 dollar fee ...

*0: the negative comments made in this forum about Primerica are from jealous insurance reps

*0:

*0:

*0:

*0: Why is the editor of this site so hostile toward this company ... EDitor's Comments to this ridiculous REBUTTAL

*0: Please read what the editor says.

*0: Please tell me with hard evidence exactly what the negatives are. *EDitor's Comment .. this guy is full of it! ...However, I will challenge you ...

*0: The Rip Off Report they perform a wonderful public service. As for trusting the BBB stop and think for a company to be listed by the BBB they pay for that

*0: I am appauled at this site and I have confidence that you will be exposed as being unlawful, deceitfull and crooked. *EDitor's Comment ..For a minute, stop thinking about yourself, which is what MLM sellers usually do..

*0: More Cult like Drivel below:

*0: More Cult like Drivel below:

*0: It is easier to say the company is a scam than to realize these people are just lazy *EDitor's note: yah right

*0: I feel very strongly the opposite and I'll tell you why.

*0: I feel very strongly the opposite and I'll tell you why.

*0: I feel very strongly the opposite and I'll tell you why.

*0: I feel very strongly the opposite and I'll tell you why.

*0: I will be sure to try my hardest to find the person to handle these complaints!

*0: EDitor's suggestion

*0: Letter to the EDitor sparks *REBUTTAL

*0: The Author of the REBUTTAL below seems to be ignoring the issue and is still trying to sell us on this program. This must be part of the mission thing.

*0: I have seen my best friend be lured by the promises of "wealth" and "financial freedom".

*0: I haven't seen anyone getting "ripped off" by anyone in Primerica.

*0: Primerica is nowhere on the Forbes Super 500 ...even if it was..

*0: Just listen then maybe you could retire happily instead of being in debt for the rest of your lives.

*0: ..We are part of the largest company

*0: More like, you are part of the 2 largest cults...

*0: i have looked at the better buisness bureau and they have not had any compaints for three years

*0: I have researched the company and it seems like a sound company with glowing reviews..

*0: ...tell us where you found these glowing reviews

*0: BBB had no complaints, ...well thats a joke! ..EDITORS NOTE:

*0: ..with interest am looking at the anti-primerica web pages

*0: Never once during my 17 years has any one ever proved wrong doing.

*0: I too have been screwed by this multi Level marketing rip-off scam.

*0: I believe it is a bunch of agents from other insurance companies jealous of Primerica's success

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EDitor's Comment: Rip-off Report Investigation: Primerica gets a POSITIVE RATING in customer support from Rip-off Report and is fulfilling its commitment to provide excellent customer service. Primerica pledges to resolve complaints and address representative issues. For a long time this EDitor had concerns about Primerica because of the number of Reports about them. For many months Rip-off Report was looking into the company, even before they contacted us to resolve any issues and mostly misunderstandings being posted by competitors. With over 100,000 representatives and 6 million clients, Primerica is bound to be the subject of a certain number of complaints about improper agent conduct, as well as product and administrative complaints. Rip-Off's investigation found such complaints, but importantly also found that Primerica is committed to resolving such complaints quickly and doing everything possible to satisfy its clients. It also takes appropriate action against any of its representatives who are found to have conducted themselves improperly or unethically. We believe that the number of complaints against this company, whether through the Internet or other channels, is small when put into the context of its enormous size. Most big companies would never commit themselves like Primerica has. Read our investigative Report and Primerica's commitment to 100% consumer satisfaction. www.primerica.com provides products and services through independent representatives. Primerica www.primerica.com has more than 100,000 licensed representatives who serve more than 6 million clients in the U.S., Canada, Puerto Rico, Spain and the United Kingdom. Through a Financial Needs Analysis www.primericafna.com, the companys representatives provide a snapshot of a familys financial picture and suggest a strategy for financial security via Primericas products and services www.primericafinancialsolutions.com. Primericas business opportunity is attractive to people from many different backgrounds, including women www.womeninprimerica.com, African-Americans www.primericaaalc.com, Hispanics www.primericalatino.com and young adults www.generationprimerica.com.


I was approached by someone presenting themselves as a "Personal Financial Analyst" with Primerica. Further research made me realize that this person was not a financial planner at all, and in fact was trying to recruit me for his MLM-pyramid type scheme. I found this on the web and thought everyone else should see it: Links to sites that tell the true story of the "business opportunity" I was presented with. Are you looking for "the other side" of the PFS "opportunity", backed by hard fact? Ex-PFS rep/PFS related message boards: (Made of ex-PFS reps, and concerned members of the public) Ken Young (Insurance Fraud Specialist) Board http://members.boardhost.com/kenyoung4/?3448 Primerica Survivor's Forum http://two.guestbook.de/gb.cgi?gid=400595&prot=qafhjb& Joe's PFS Forum http://two.guestbook.de/gb.cgi?gid=373099&prot=nqrzeq Other PFS-related sites: (legal issues, business practices, commentary) PFS Reps convicted of running a Ponzi scheme. Primerica slapped on the wrist for compliance problems. http://www.sec.gov/enforce/adminact/3440269.txt This site has a growing file on Primerica. Use their search engine to find out more about Primerica. http://www.badbusinessbureau.com/ History of AL Williams (Primerica's predecessor) http://members.home.net/fairbusiness/history.htm Citigroup Watch: against predatory lending and racial discrimination http://www.innercitypress.org/citi.html Commercial Cult Info http://www.rickross.com/sg_commercial.html Opposition to Merger (Traveler's - Citibank in 1998 - with specific mention of Primerica) http://www.bog.frb.fed.us/events/publicmeeting/ 19980625/panel5.htm Malcolm Berko (Nationally Syndicated Columnist) on the PFS "Opportunity" http://www.beyondthebull.com/berko_display.cfm?ID=676&StartID=1&EndID=11 Replacement is Abuse: http://www.life-insure.com/replacement.html Also, read the excellent paper on the negative aspects of MLM that your PFS rep doesn't want you to consider: http://www.vandruff.com/mlm.html There is plenty of information out there so you can make an informed and proper decision about your family's finances and/or future career. EDitor's suggestion::::: Click here to read all the other Rip-off Reports on Primerica. You decide after reading who has been victimized

This report was posted on Ripoff Report on 11/11/2000 12:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/Primerica-Financial-Services/nationwide/Primerica-Multi-Level-Scam-REBUTTALS-just-another-cult-EDitors-comments-UPDATE-its-3826. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

Greg in Holliston

AUTHOR: Leroy - (U.S.A.)

Amazing!!! You interviewed with FOUR other companies and they all sound like they were organized exactly like primerica. WOW!!! I find the part about how they wouldn't train you to recruit particularly suspicous because;

Most of the large agencies have a manager who is devoted to nothing but recruiting. They don't leave recruiting in the hands of raw recruits.



Although other companies don't give ovverrides immediately to raw recruits, most will start you out with a commission three times larger than primerica's 25%. Overrides for other agents is rarely discussed with a new recruit other than as something that could happen a few years down the road if they go into management.



Also, you didn't mention benefits. Most of the other companies will pay a new recruits benefits for a year.



My guess is you are a newbie and all you know about how the rest of the industry works is what your handlers tell you.
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#2 UPDATE Employee

The PFS Term Life product is excellent coverage

AUTHOR: Greg - (U.S.A.)

I have been with primerica for a year and I believe that your opinion is actually coming from a person with no motivation to actually work.



Primerica is no different than any other commission sale job. (Ive worked in them all my life) It is backed by a large wonderful company with a proven track record.



The only people who give up in our office are the ones who don't work. My family and friends were more than happy to see what I was doing and we moved them all over to a debt elimination program that was extremely better than what they had. I have never had to make a cold call because the people I help are more than happy to give me warm referrals.



It is no different than having a restaurant and asking your friends and family to come in and try it and recommend it to their friends.



The person that trained me makes over 300,000 a year, does not charge me for anything. I have personally went head to head with many people in finances and I know more now than they will ever learn. everyone was totally up front with me about earnings, recruiting and working hard.



: I interviewed with 4 other financial firms before I joined Primerica and they were useless! They all expected me to cold call, recruit with no override, and promotions were a joke.

: As I said at the beginning, only those afraid to work would write this whiney crap.
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#3 UPDATE EX-employee responds

more Crimerica war cries!

AUTHOR: Elisabeth - (Canada)

Go Crimerica go! More Crimeriscam war cries: (we've heard 'em all - over, and over, and over again)

- "whiney cry babies that can't make it in the 'company'." Good one! Great leadership skills you guys are showing.

- "everything's GREAT!" oh come on. don't think most of us haven't been fed that time after time. Yeah. Everything's great! In spite of Crimeriscam.

- "ran the numbers." Yup, yup, yup. Heard that one a million times.

- "warm market." of course, dummies. friends and families and acquaintances are more likely to trust your lies.

- "heard things about Crimerica and never really understood what Crimerica is all about." This implies YOU are taking US for idiots. Sigh.

- trash-type sites/policies. Please. Educate yourselves more thoroughly. Oh. I forgot. You JUST BELIEVE what you're fed and then spew it out all over everyone else.

- poor Melissa in Conneticut.

- Chris your right on.

- Jackie - "founded and funded by competitors of Primerica." Wow. You really are under a spell.

- Heather. Poor poor Heather.

- Gerrie - still not very clued in are you? Remind me not to go to Morningstar either then.
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#4 UPDATE EX-employee responds

other companies offer better services for less money...

AUTHOR: Gerrie - (U.S.A.)

I used to work for Primerica and i've done research before i actually signed up. The information was from a former agent who made LOTS of money by using the techniques they teach you. The "bi-weekly simple interest" loans which primerica are available with most mortgage companies. And the mortgage Brokers don't charge you 5 and a half points to do it. You can also get a lower rate from FNMA than you can with Primerica. Look at the numbers, when you compare a 7.5 simple interest payment to a 5.875 fixed rate, which one will get you out of debt quicker? it's obvious, but The Primerica agents use the same techniques over and over and over again until it's lodged into your memory and they make you feel stupid if you don't agree with their "which one would you choose?" approach.



I finally saw how Primerica worked and left them and i'm working for Morningstar Mortgage in Florida and i feel a whole lot better when i can save the customer money without making them feel stupid.



Don't get me wrong, Primerica has a very thought out plan and has great concepts, but they overcharge the customer in most cases where the customer can go to a "real' mortgage broker and apply the same bi-weekly techniques and add the difference the customer would save to their principle.



Not to mention the insurance and securities side of the business out of the "overcharge the customer" picture. Most insurance companies can give the customer the same amount of term insurance for a lower premium and securities brokers which charge a fee rather than a percentage will most benifit the customer rather than the Primerica Agent. But the teachers of the PFA's make you feel stupid if you ask those kind of questions.
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#5 UPDATE Employee

Yes we do get paid for our services

AUTHOR: Heather - (U.S.A.)

I know that there have been many bad things written about Primerica. I recently started working for them, but as any person should do before looking at a new business oppotunity I researched Primerica. I found that they are part of one of the largest companies in the world and that they have immaculate support for their people. I also read many bad things about the company, but I still gave them a chance and got to know some of the people in the local office, and they do have a genuine care for people and a crusade that is worth fighting.



Yes we do get paid for our services (and if that bothers you, you are probably the type of person who doesn't tip your fine waitress that gets paid $2.13 and hour to wait on you either!!!). I have looked into finacial education classes in my area and they range from $150-$300 and that is for a weekend class. With Primerica you get a live person there to help you along your way to financial freedom.



It is unfortunate if anyone has had an bad experience with one of the agents that works with Primerica (other than competitor's that is) and I hope that people are open-minded enough to not condemn the whole company for the experience.



I would like to end by posing a question: If you shopped at a retail store quite frequently and then saw that one of their cashiers was arrested for stealing does that make the whole company bad??? Would you stop going to that store???
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#6 0

why were you surfing a site called RipOffReport looking for a company you were happy with?

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by C.D. at hereinstlouis@yahoo.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments *UPDATE its flopportunity (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: hereinstlouis@yahoo.com

Their name: C.D.



Their relationship to the company: Owner



Rebuttal:

You may have been lucky. But why were you surfing a site called

RipOffReport looking for a company you were happy with? At any rate, visit the following to see the dirty tricks that PFS tries to play with their loans nowadays:

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#7 0

I am a satisfied customer - we ran the numbers ...

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: ranick@pacbell.net

Their name: Heather



Their relationship to the company: Consumer Suggestion



Rebuttal:

I am a Primerica Client (for 4 years now). My husband and I have a simple interest mortgage on our home -with which we are very happy. My husband is a Financial Consultant (but not in this industry) and he ran the numbers, and found it to be beneficial to us. My husband had a whole life policy that we replaced with term due to the fact that the agent with Mutual Life gave us false information. What I'm getting at, is that I am a satisfied customer - we ran the numbers, and we were not taken advantage of, in fact our experience with Primerica was nothing but good. I never saw this sight 4 years ago when we were making our decisions, and in my opinion the negative opinions at first were alarming, but the accusations didn't apply to our experience. Maybe we were lucky.

Heather
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#8 0

Whoever reported Primerica I could give them the biggest hug ever.

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: bigbaby3532000@yahoo.com

Their name: Barbara Cabble



Their relationship to the company: Consumer Suggestion



Rebuttal:

Whoever reported Primerica I could give them the biggest hug ever. I am living the worst nightmare of my life for refinancing my home with Primerica. For 3 years now I have been paying on this loan and the balance NEVER go down, however it continue to get HIGHER. And you are saying this is not a Rip-Off, I want to know what you call it.!!!!!!

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#9 0

person who is shouting in ALL CAPS, you are full of it.

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: hereinstlouis@yahoo.com

Their name: C.D.



Their relationship to the company: Owner



Rebuttal:

As to the kind person who is shouting in ALL CAPS, you are full of it. You're a PFS agent (one who obviously can't capitalize properly), and you're here spewing the typical company lines because you can't think for yourself. Your lines have been addressed before.



If I were you I'd reconsider posting to message boards. Your company knows that when PFS agents talk, it makes the company look bad. That's why your compliance rules state that you can't post to forums like this.
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#10 0

Nothing you just said even makes sense..

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: hereinstlouis@hotmail.com

Their name: C.D.



Their relationship to the company: Owner



Rebuttal:

Nothing you just said even makes sense. I said your funds are

front-loaded. I said it was funny how you and your buddy Art are in the same PFS office with nothing to do but browse the Internet for PFS posts on message boards.



And you come back with ??? whatever you just said.



You said that I stated "SB has the highest fees". I never said that, and asked you (the liar) to prove that I ever said that. You came back and said "SB is 5% and some other fund is 5.75%"



HUH?



Ray, I'm done with you. Folks, read the past few posts and uncover for yourselves what an idiot you're looking at. This is one of the most outspoken PFS idiots. If you want a person of his caliber handling your finances, then you deserve what you get. You're through, Ray.
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#11 0

A FRIEND OF MINE HAS JUSTA STARTED PRIMERICA AND ASKED ME ADVISE ON THIS POST

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: GETJAZZED2@HOTMAIL.COM



Their relationship to the company: Advocate



Rebuttal:

I HAVE BEEN ASSOCIATED WITH NUMEROUS INVESTMENT AND INSURANCE COMPANIES FROM AN ACCOUNTING STANDPOINT FOR IN EXCESS OF 14 YEARS. A FRIEND OF MINE HAS JUSTA STARTED PRIMERICA AND ASKED ME ADVISE ON THIS POST. PERSONALLY, I AGREE WITH THE REBUTTAL THAT PRIMERICA IS DOING WHAT IS RIGHT FOR THE CONSUMERS. I ALSO BELIEVE THERE ARE PEOPLE DOING THE PRIMERICA BUSINESS IN A MANNER THAT IS NOT CONJUNCTION WITH WHAT THE COMPANY STANDS FOR.

HOWEVER, I CHALLENGE ANY OTHER BUSINESS TO PROVE IT DOES NOT HAVE OR HAVE HAD A BAD APPLE. THE PROBLEM I SEE WITH THESE "PAST PRIMERICA" PEOPLE IS THE SAME PROBLEM I SEE WITH ANY OTHER INSURANCE AND INVESTMENT REP: THEY SPEND TOO MUCH TIME BASHING THE COMPANIES INSTEAD OF WORKING. THESE ARE THE SAME PEOPLE WHO CHANGE JOBS EVERY SEVERAL YEARS AND STILL BLAME THE PAST COMPANIES FOR THEIR PROBLEMS. FRANKLY, WHAT IS THE COMMON

DENOMINATOR? MAYBE, THE INDIVIDUAL WHO CAN NOT TAKE RESPONSIBILITY FOR THEMSELVES. FROM AN OUTSIDE STANDPOINT, I HAVE SEEN REPS FROM DIFFERENT COMPANIES MOVE OUR COMMON CLIENTS FROM COMPANY TO COMPANY AS THEY CHANGE USING THE SAME EXCUSES OVER AND OVER.
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#12 0

..your just to blind to be able to see how that is

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Ray at mortagewizz@aol.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments *UPDATE its flopportunity (#3826)



They filed the following rebuttal to the above REBUTTAL Report:



Their email: mortagewizz@aol.com

Their name: Ray



Their relationship to the company: Owner



Rebuttal:

I'm done explaining about why Art and I have the same I.P. number. your just to blind to be able to see how that is.

Now on to S.B funds. HUMMMMMMMM I'm looking at our up-front sales charge and it's 5.00% Also looking at Aim's and Van Kampens and theirs are 5.5% and 5.75%, so you see as usual you are full of lies and 1/2 truths.....ooopsss i take that back . There isn't anything that you said was even 1/2 a truth. They were all lies. hee hee
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#13 0

"Let me explain it again" -Don't know..don't care. Why do you?

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by C.D. at hereinstlouis@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments *UPDATE its flopportunity (#3826)

They filed the following rebuttal to the above Rip-Off Report:



Their email: hereinstlouis@hotmail.com

Their name: C.D.



Their relationship to the company: Owner



Rebuttal:

"Let me explain it again"

-You never explained it the first time. So you get your buddies to stick up for you..."hey come over here and tell these guys off for me because I can't cut it". Imagine, two PFS agents in the same office, breaking compliance by posting. And, if you didn't call him over to help you out, imagine that two PFS agents wound up "by chance" on a bulletin board that is anti-Primerica. Somebody's got to be worried, or bored because they

don't have many clients.



"Oh yes what happened to Stevies board, and your other buddy K.Y?" -Don't know..don't care. Why do you?



"About term insurance, if everyone would by the cheapest then there would only be 1 company to buy from" -I said cheapest "quality" term, and the conditions on 'quality' vary

based on the client, his/her age, health, insurance term, goals, and on and on. But PFS does not offer a good mix of any of the above. It's an MLM whose higher-ups just want a couple sales from each PFA. But yes, in general, EACH individual client would have several companies to choose from which offer policies that meet their goals, and of those, the client should choose the cheapest. And it won't be PFS.



"Are you buying from the cheapest"

-The cheapest policy that had my level of coverage, from a reputable company with a decent rating. So yes, the cheapest QUALITY coverage I could find. And it is term. Nobody ever said term was bad. It's right for me.





"And yes you and your chronies have said that S.B has the highest sales charge out there. "

-Never ever ever ever ever have I said this. Ever. Prove it to me, liar. I have never said S.B. has the "highest" charge out there. I have said the funds are fee-laden up front so that the agent can take the money and run. Because, chances are, he/she won't be with the company for another 12 months, seeing as how PFS's attrition has been at or above 100%. Prove to me once that I have ever said S.B. funds have the highest fees out

there.



Again folks, if you want quotes right from Primerica Online proving that you're in a "recruiting" business, just like Amway or Excel, go to members2.boardhost.com/misleadbypfs

and read the posts "recruit, recruit, recruit"

"Just like Amway" "get the kids involved"



and many more to come. Nobody is shoving them down your throat. We are offering the other side to this flopportunity pyramid multi-level marketing scheme called PFS, if you care to become educated by something other than rah-rah drivel.
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#14 0

Well, I can see that C.D. (chronically depressed) only reads what he wants to. Art and I are not the same person.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Ray at mortgagewizz@aol.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments *UPDATE its flopportunity (#3826)

They filed the following rebuttal to the above Rip-Off Report:



Their email: mortgagewizz@aol.com

Their name: Ray



Their relationship to the company: Owner



Rebuttal:

Well, I can see that C.D. (chronically depressed) only reads what he wants to. Art and I are not the same person. This has been explained to him before , but his head is so far up his a** that he just don't get it. Let me explain it again. You see Art and I work out of the same office and use the same computer, therefore we have the same I.P. number. Thats all there is to it.



Funny thing about our number being banned. Yes "misleading"

banned our I.P number. Why wouldn't he? you see when you guys can't handle the truth when told to you , you just act like a litle kid (you know the one that would take his ball and go home) and banned us. How many Primerica people are banned ? Misleading can't keep his board running with the truth being exposed , so the only thing to do is stop the truth from

being posted. Oh yes what happened to Stevies board, and your other buddy K.Y? I see the boards are no longer working. Now on to our loans. Not once have I ever told the client that the interest rate don't count. Go back and read what I posted and you'll see that i very simply find out what is the most important thing for them.



About term insurance, if everyone would

by the cheapest then there would only be 1 company to buy from. Are you buying from the cheapest? And yes you and your chronies have said that S.B has the highest sales charge out there. See this is what I'm talking about, as soon as your proven wrong you just say " I never said that". I was reading Misleading board. what a joke this "expfs" guy is. he claims he was with the company for 4 years. When i read his post about how the company don't want people to get promoted to RVP or NSD or SNSD because

the comapny has to pay more commisions. That remark proved to me that he either was never a part of the company or he was to stupid to understand how the commisoin scale works. You see the company pays out the same in commisions no matter if it's a rep or rvp that makes the sale. So you guys keep posting things like that. I love to sit back and have a good chuckle at remarks like that. ( and you guys say that we are the ones uninformed?)
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#15 0

By the way, Ray doesn't like that internet site because he used to post there.

AUTHOR: - ()

They filed the following rebuttal to one of the above REBUTTALS:



Their email: haha@hotmail.com

Their name: C.D.



Their relationship to the company: Owner



Rebuttal:

By the way, Ray doesn't like that internet site because he used to post there. Then when he was presented with evidence that he couldnt' take, he posted under an alias "Art".



I called his bluff on that, and "Art" replied by saying "don't sink any lower, liar" in effect. I proved yet again that "Art" was indeed "Ray" posting under pseudonyms, defending himself with another screen name. How pathetic is that?



He was banned because of that.



So let me ask you this: do you want to trust your financial future to someone who goes around breaking his own company's compliance? Do you trust somebody who needs to defend himself with another screen name, because nobody else will? Do you want somebody who blatantly lies, even on a message board, to handle your money?



Visit members2.boardhost.com/wwwboard and check the thread "P.F.S bashers need to "get a life"" from about 10/25 to see what a pathetic existence this man leads.
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#16 0

TO THE ABOVE REBUTTAL: More typical company lines from a PFA who is breaking compliance by posting to an internet site.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by C.D. at hereinstlouis@yahoo.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments *UPDATE its flopportunity (#3826)



They filed the following rebuttal to one of the above REBUTTALS:



Their email: hereinstlouis@yahoo.com

Their name: C.D.



Their relationship to the company: Owner



Rebuttal:

More typical company lines from a PFA who is breaking compliance by posting to an internet site.



First, your agents ALWAYS say rate doesn't matter. It's a joke among everyone who's been to a flopportunity meeting and among the hundred thousand agents that quit each year. So you don't like the website...of course you don't. I posted there a very detailed example of why you're WRONG about loans. Total payout is the only think PFS agents can use to sell their fee-laden, high-rate, pentaly-loaded loans, because it's the easiest facet to muck up to a less educated client.



As for insurance, there goes your vendetta against the cash value

industry. Term is *usually* better but PFAs don't arrive at that

conclusion because they are able to analyze a client's situation.

Instead, the computer spits out a term policy, and the agent spews the same venom about CV insurance no matter who the client is.



And if term is indeed better for a client, the client would be best off finding the cheapest quality term available, not buying it at 30%, 50%, 75% markup because it's in a complete "screw you" package brought over by some quasi-legal, uneducated, hyped-up weekend-and-evening financial hack.



And nobody claimed your mutual funds were more expensive than through a reputable brokerage. The fact remains: they are high-commission, high fee. And they have to be. PFAs have no vested interest in seeing a client out of debt or improving their portfolio, just in selling products. So they need their fees and commissions UP FRONT so when they leave, their relationship with the client can effectively end without affecting their

wallet.



Go to that board and read the "for those from ripoffreport" thread. So you don't like the site. So what...you don't have to read it all. It just so happened to be an available place to post the evidence.



While you're there you are free to check out my other posts "Just Like Amway" and "recruit, recruit, recruit" which describe the business you're REALLY in, which is recruiting and getting people to part with their sign-up money, just like every other MLM on the planet.
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#17 0

i still haven't found 1 site with any credibility and this one is NO different. ..i'm not here to help you silly half-butts.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by RAY!!!!!!!!!!!!!!!!!! at mortgagewizz@aol.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments *UPDATE its flopportunity (#3826)

They filed the following rebuttal to the above Rip-Off Report:



Their email: mortgagewizz@aol.com

Their name: RAY!!!!!!!!!!!!!!!!!!

Their phone number: don't think so...why so C.D. can call?

Their relationship to the company: Owner



Rebuttal:

hey, here is another site that is run by the competition or the whiney cry baby's that couldn't make it with the company. i still haven't found 1 site with any credibility and this one is NO different. first of all,how can anyone say that we screw the clients with our insurance when the rest of the industry has been selling the clients a product that is over priced (cash value) and leaving them underinsured. next we NEVER say that

interest rates don't count. they do, but what's the most important thing for the client? the interest rate? or how soon they will be out of debt? how about that the TOTAL cost of the loan. you see, i ask each one of my clients that and never has anyone of them said the inerest rate is the most important. They always want to know what the cost is and how soon they will be out of debt. you see i'm not here to help you silly half-butts. I'm out to help the consumor that needs my help after you guys

screw them up. Oh yes our M.F. do NOT have higher fees. you see the M.F company sets the sales charge not Primerica. Smith Barney's sales charge is 5.00% as for some of the other funds they are anywhere between 5 and 5.75%. so anyone that says different is obviously uninformed or just down right stupid. either way don't make a fool of yourself (C.D.)....


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This email is a rebuttal to RipOff #3826.

It was sent by C.D. at hereinstlouis@yahoo.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: hereinstlouis@yahoo.com

Their name: C.D.



Their relationship to the company: Consumer Suggestion



Rebuttal:

Sorry..your company exists to do one thing. That is to sell the world on its flopportunity, charge them $200 for the dream, sell a policy or two to the family, and maybe a refi.



You make an important point about the money coming from your trainer's pocket. The fact is, your trainer is "encouraged" to give you that scholarship, but it isn't required. More important, your $200 that went for "licensing" STAYED with Primerica..right to the top of the pyramid.



The fact is PFS did not give you your money back. If your upline gave it back out of his/her pocket, that's fine, but PFS kept your $200 and as such, it can not be for "licensing".. It's just one definite sign of an MLM.



Also, while some agents rip people off, many are unaware that they're doing it. PFS presents so many emotion-laden lines and deceptive numbers that it's hard to know, especially for an agent who is only educated with PFS "principles" which are mostly misguided. You don't even need a license to write refi loans. I know a PFA who was out doing an FNA for a refi the SAME DAY they signed the business contract!



You say you had a client find a mortgage better than yours. First, that's easy to do - nothing could be easier. Second, you will learn if you haven't that PFS does NOT want to sell to a knowledgable market. You have to either sucker them into the whole "financial package" or withdraw your business. Many PFAs' training includes physically removing the FNA from the hands of a client (this happened to me also) if they client rejects

any part of the guide. As they say "we aren't selling products; we're selling an entire financial package". Third, PFAs, especially those with no training, do NOT have the skills to determine if a refi is good for the

client. On top of that, when they plug the numbers in to the computer program, it *always* spits out a loan offer, whether or not a refi is warranted.



So, while all your reps aren't shady, most are pretty ignorant not through any fault of their own, but because they've had the specialized deceptive PFS training. It includes such tidbits as "interest rate doesn't matter" (come on, you ALL say this), "these funds are guaranteed to beat the socks off index funds" and "term is always better".



Before you deny any of the above phrases, visit

members2.boardhost.com/misleadbypfs and find the thread titled "for those from ripoffreport". Tell me you're doing what's right 100% of the time.



Also read the "Just Like Amway" and "recruit, recruit, recruit" threads which show what kind of business you're REALLY in.



By they way, how did you "happen across" a Primerica complaint on a site called RipOffReport? Sounds like you were lookin'.


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#19 0

Another REBUTTAL filed by a member. "I happened on this site by chance" ..yah right.

AUTHOR: - ()

They filed the following to the above Rip-Off Report:



Their email: wicci1@excite.com

Their name: Marie



Their relationship to the company: Owner



Rebuttal:

I happened on this site by chance and I feel that I have an open mind so I decided to look to see if I could find anything on Primerica. And boy did I ever! I have been with the company for a little while and I have to say that I had some SERIOUS concerns before joining them. But in all I feel good about my decision. Now I know by posting this you'll call me brain

washed etc. But that is your opinion and I welcome it.



Some folks on here have commented "why don't they just give the people who don't want to be involved anymore their money back" & "why don't they take you on THEIR appointments". I can't speak for everyone (since we are all independent) but I can tell you what WE do. The money that is taken when you submit your IBA is sent directly to the state for the tuition, books,

and fees imposed by the state for classes. (Which is why it'll take FOREVER to immediately get it back if you don't go to class because it has to come from the state and they are SOOOOOO slow.) In the mean time, yes we go see your "warm market" so you can have "hands on training" and watch your field trainer work. Once you go through a 3-6 appointments your field trainer writes you a check (yes GIVES YOU YOUR MONEY BACK) that you

paid when you submitted your IBA. This money comes right out of their pocket. Not from the state that benefited from it. (The company put this in place.) If you like what you see, GREAT! we keep working and if you're licensed you can start making money and your "warm market" folks are YOUR beginning clients. If you don't like what you see, GREAT! you have your money back and a beginning education on money and insurance.



Now there are also comments that we intentionally rip folks off. In my group we are trained that if it doesn't benefit the client, DON'T DO IT!! We don't try and shove products down your throat or anything else that I won't want done to me or someone in my family. I've acutally had a client that found a better mortgage than we had to offer and didn't want to do that piece of business with us. GREAT! if it helps your over all

financial position that's all I care about. No I didn't make money on that transaction but my client was happy. In the end I helped them put some money away for retirement, college planning and helped them by referring them to legal services to get their will in place. Now that family sleeps better at night because they have a plan to get to where the want to go. Even tho my clients don't have all of our products I still take the time ( that the other company reps did not ) to sit down at their

home, at their convience and break down what they have, what it does or doesn't do and what the fine print means.



No company is the end all, be all. And I'm sure that somewhere along the line there have been some shady Primerica reps. But you know EVERY business has those folks and I hope in Primerica they are no longer around.



It's a shame that there have been some problems but in all, Primerica is a GOOD company and not all of us Financial Analysts are bad. Remember that when you do a general bash.
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#20 0

So go back to school...I mean, send your wife back to school

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: hereinstlouis@yahoo.com

Their name: C.D.



Their relationship to the company: Consumer Suggestion



Rebuttal:

So who joined, you or your wife? "You" say it's worth the investment because "you" learned stuff. "You" had "your" doubts about starting out, because it's like Amway. And now "you" are satisfied. You sound like another PFS agent coming here and spewing company lines.



This is the exact same post you posted to mebers2.boarhost.com/misladbypfs. And your questions were answered there.



You also have some glaring errors. You are NOT allowed to write refi loans. You, excuse me, "your wife", is allowed to act as a middleman and sucker her family into a refi loan from the predatory lender Travelers Bank. And, getting your insurance and securities licenses DOES NOT equal income. Selling equals income, so you need to approach and alienate your family and friends into buying poor products in order to make money.

Then to keep your biz alive, you have to convince them to part with $200 and sign a business contract to do the exact same thing that you, I mean "your wife", is doing.



Your take on insurance is also ignorant. You say some people prefer a higher interest rate in order to receive a lower monthly payment. But how can that be, since, assuming your length and amount are the same, a lower interest rate EQUALS a lower monthly payment. You'll say "we don't have PMI" but in all cases PFS loans DISadvantage of a higher interest rate

outweighs the PMI aspect at least, AT LEAST, four-to-one.



So go back to school...I mean, send your wife back to school at PFSU, because you haven't learned all the company lines yet. Or, spend $20 on a decent finance book and get a real education.
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#21 0

I, well my wife joined not to long ago i think it is legit.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Ern at egbenj@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: egbenj@hotmail.com

Their name: Ern



Their relationship to the company: Supporter



Rebuttal:



I, well my wife joined not to long ago i think it is legit. I don't think citigroup or those other companies would affiliate with the company if it wasn't. that's just bad business. as far as the products they offer, you have to look at the audience they are trying to reach. i have noticed that the interest rates are higher, but that is because the borrower probably has a large amount of unsecured debt (more risk). personally if i had a

situation where a person wanted to refinance a mortgage and they did not have any other or very little debt. I would tell them to use another bank because the rate may be lower. Just because it's offered, doesn't mean it's the best in all cases. i've heard people talk about load funds, well in most of the primerica cases at least the people are investing vs.

letting money sit in a bank. no one is stopping clients to changing their minds or moving between funds. i think the concept is getting people to change their outlook on their finances. getting more people on the playing field and let them decide after they have the facts.. just like any other financial institution.



I, just starting out ( 1yr out of college )think that it's worth the investment. even if it does not work out 100%, i can say i have learned some stuff. i had my doubts starting out because of stuff like amway and quixtar, herbal life, but this company is legit and it is backed by a reputable company. even if you don't recruit people, you have the authority to write refi loans, you have your life ins. cert. and your securities license which equals income. so if it's not what you're looking for, you can go work for some other company because you have all this

stuff backing you.



Lastly, in doing my research i looked at real estate brokers. when you start you have to pay a fee to the broker association, you have to get licensed, you have to go out and get a clientele which starts with your warm market.. friends, family, etc.. and they ask you to fill out a sheet of names to get started.. i sat and talked with a head broker and the similarities are staggering..



so all in all, i think it is legit and i am satisfied.



$199 fee... employee or business owner.. employee's start for free, owners pay a fee.. ask any owner of any business
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#22 0

If it's not a rip-off then why do they require a 199 dollar fee ...

AUTHOR: - ()

They filed the following to the above Rip-Off Report:



Their email: ese81880@cs.com

Their name: Russell



Their relationship to the company: Consumer Suggestion



Rebuttal:

If it's not a rip-off then why do they require a 199 dollar fee to be employed eith the company they say it's for training purposes but you would think that if a company wants you bad enough then the company would pay for your training not the employee
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#23 0

the negative comments made in this forum about Primerica are from jealous insurance reps

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Charlie Jackson at heybaby@yahoo.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: heybaby@yahoo.com

Their name: Charlie Jackson

Their phone number: 1-918-652-4857

Their relationship to the company: Owner



Rebuttal:

I too beleive many of the negative comments made in this forum about Primerica are from jealous insurance reps. They will in due time see most of their hard earned "ripping off" commisions start to dimish. Why? So many Primerica reps will be running around proving them wrong and providing faithful service to families. I hear of some Primerica agents really pushing it in Minnesota showing community schools and business people the concepts we practice and teach. I hear they are really doing a

wonderful job. Keep it up. It sounds you guys and girls are already starting to dominate the insurance industry and opportunity.
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#24 0

AUTHOR: - ()

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#25 0

AUTHOR: - ()

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#26 0

AUTHOR: - ()

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#27 0

Why is the editor of this site so hostile toward this company ... EDitor's Comments to this ridiculous REBUTTAL

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: reride6969@yahoo.com

Their name: John

Their phone number: 9367602446

Their relationship to the company: Consumer Suggestion



Rebuttal:

I have read quite a few comments about this company on different boards. One thing all of them have in common, alot of heat and very little light. I was recently approached by customers of mine to talk to someone with Primerica about joining. So i decided to research. Something is seriously wrong, either with this company or with these sites. What I would like is an intelligent conversation about the pros & cons of Primerica.



Any takers?



P.S. Why is the editor of this site so hostile toward this company if he/she has no first hand knowledge about it?

::::::::::::::::::::



EDitor's Comments to the above REBUTTAL:



Personally, I think you are full-of-it.



Why do I say that? Your ridiculous comment " What I would like is

an intelligent conversation about the pros & cons of Primerica."

You need to RE-read them or stop playing with one-self.



FYI, we are the victims advocate.

So so many say the same old thing, in detail, with names, phone numbers and

complete addresses. (See our earlier analysis about those who provide no contact data.)



Your BULL CRAP REBUTTAL will be posted tonight after midnight, pacific time and it will make you look ridiculous.



EDitor@RipoffReport.com



badbusinessbureau.com

RipoffREVENGE.com

Don't let them get away with it.

Make sure they make the Rip-off Report!



We are not lawyers.

We are not a collection agency.



We are Consumer Advocates.

...the victims' advocate



WE are Civil and Human Rights Activists



We are a Nationwide Consumer Reporting News Agency

...by consumers, for consumers



badbusinessbureau.com, LLC

WORLD HEADQUARTERS:

H. & F. Henville Building

Prince Charles Street -suite 2

Charleston

Nevis Island

West Indies



USA Volunteer Contact & Victim Hotlines:

East Coast 518-923-HELP (4357)

West Coast 602-474-0366



United States west coast office FAX: 425-799-9729

United States east coast office FAX: 305-832-2949



Remember.

Don't let them get away with it!

Make sure they make the Rip-off Report.
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#28 0

Please read what the editor says.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by C.D. at hereinstlouis@yahoo.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)

They filed the following rebuttal to the above Rip-Off Report:



Their email: hereinstlouis@yahoo.com

Their name: C.D.



Their relationship to the company: Consumer Suggestion



Rebuttal:

Please read what the editor says. It's amazing how many times PFS agents come on here and demand proof of deceptive sales tactics, trickery, and distortion. When it is handed to them, they curl up and say that 'naysayers' are just out-of-work whole life agents. Then two weeks later another starry-eyed newbie PFA posts and says "I demand proof!", ad nauseum. Take a little time to look at your, um, opportunity, and yourselves, objectively.



I have posted numbers on this board and others - not just qualitative hearsay, but pure numbers and calculations -- of loans and insurance perpetrated by PFS to unsuspecting consumers. Not only weren't the consumers better off, but they were in a worse position than when they started!



You simply can not claim that you help a consumer because you sell a product to them. The reasoning is incorrect. And don't say you present the consumer a financial plan to get out of debt:

First, what you present to them are bogus numbers to make them buy one of your products.



Second, by PFS's own disclosures, the FNA is not a financial plan. It's a tool to market your products. You may as well claim that the coupons in the Sunday paper are a financial plan.
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This email is a rebuttal to RipOff #3826.

It was sent by Dave Miller at drm2670@yahoo.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: drm2670@yahoo.com

Their name: Dave Miller



Their relationship to the company: Consumer Suggestion



Rebuttal:

I have been approached by a recruiter for Primerica. After reading all of the negative comments, I am "up in the air" about joining. I would like the people who are against Primerica to give me some specific hard facts, or evidence, on why they do not like the company. All I have read is how people think that the company is a pyramid scheme (if it is a pyramid scheme, why do they refuse many people to work for them), and that Primerica rips people off.



Please tell me with hard evidence exactly what the negatives are. Give me some specific facts on how they are deceptive, and exactly how they "screw" people over. Just don't vaguely tell me that they are a "cult," and that they rip people off.



There are millions of people affiliated with Primerica, and there are obviously going to be thousands of complaints (I bet that there are a lot of complaints about McDonald's, Coco-Cola, G.M., Ford...Any company is going to have its enemies). If there are millions of people affiliated with Primarica, how are they still successfully staying afloat (wouldn't they be shut down by the government. I haven't heard of any lawsuits against Primerica-which I know McDonalds and other big companies have had

their share).



Proportion wise, if there are only thousands of complaints with a

company that has millions, then they are obviously not doing so bad (this would be about a 1% to 5% complaint ratio). Even if you dislike Primerica, you probably know of a person who does like it (I'm sure you can find someone who does)



I have a full-time job as a teacher, and would only join Primerica as a part-time job for supplemental income. There is no way I would quit my teaching job. I'm just looking to earn some extra cash- Yes, this is a business, and people join it to earn money.



Give me the facts on your negative dealings with the company (also, if you have had negative dealings with the company, tell me what your occupation is. Is your occupation in direct competition with Primerica?) Please just don't vaguely tell me that they rip people off, and that they are a "cult" Please be specific on how they rip people off.



Thanks.

sincerely,

Dave Miller

:::::::::::::::::::::::::::



EDitor's Comment to the above REBUTTAL::::::::



Dear Dave,



In my opinion you're full of it. What a bunch of BULL! This reads like one who is already part of this cult. You need to read the Rip-off Reports again. There is already plenty of referenced documentation of indictments and convictions of those involved with Primerica. We even have defectors fighting over authority privileges to testify against Primerica, so give us a break about trying to decide. If you were deciding on joining, you would be thanking us for the open forum with comments posted from both sides to help you decide.



We will post your bogus Rip-off Report REBUTTTAL with some EDitortial comment if your E-mail does not come back SENDER UNKNOWN. I'd bet the house on it. Your a liar. ...Just my opinion. I just say it like I see it.



However, I will challenge you to give me the name and phone number of the person who is going to "sponsor" you in Primerica. I will bet you have been with Primerica for several years, so come clean and give me the name and phone number of your upline. It is very interesting, as we monitor this whole obfuscation, that people who are part of Primerica don't want the public to know what the organization looks like and where everyone is in the pecking order.



EDitor@RipoffReport.com



badbusinessbureau.com

RipoffREVENGE.com

Don't let them get away with it.

Make sure they make the Rip-off Report!



We are not lawyers.

We are not a collection agency.



We are Mediators.

We are Consumer Advocates.

WE are Civil and Human Rights Activists



We are a Nationwide Consumer Reporting News Agency

...by consumers, for consumers



badbusinessbureau.com, llc

WORLD HEADQUARTERS:

H. & F. Henville Building

Prince Charles Street -suite 2

Charleston

Nevis Island

West Indies



USA Volunteer Contact & Victim Hotlines:

East Coast 518-923-HELP (4357)

West Coast 602-474-0366



United States west coast office FAX: 425-799-9729

United States east coast office FAX: 305-832-2949



Remember.

Don't let them get away with it!

Make sure they make the Rip-off Report.

___

Great ideas have always Encountered Violent Opposition - einstein

___

Click here to read all the other Rip-off Reports on Primerica. You decide after reading who has been victimized
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This email is a rebuttal to RipOff #3826.

It was sent by David Hamm at Spacer1@themail.net.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's

comments (#3826)

They filed the following rebuttal to the above Rip-Off Report:



Their email: Spacer1@themail.net

Their name: David Hamm



Their relationship to the company: Consumer Suggestion



Rebuttal:

As I read all the people trying to defend Ripemerica it is amazing they all say the same thing almost word for word sounds like it is either rehearsed or they are brain washed. I definitely don't work for any rip off insurance companies so that attack will not work. And as for The Rip Off Report they perform a wonderful public service. As for trusting the BBB stop and think for a company to be listed by the BBB they pay for that

right. Now there is a saying don't bite the hand that feeds you the BBB giving a choice between defending someone who pays them and defending someone who doesn't pay them you tell me who you would support.



David Hamm
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They filed the following rebuttal to the above Rip-Off Report:



Their email: jjohnson68@hotmail.com

Their name: Jackie



Their relationship to the company: Supporter



Rebuttal:

First off, I truly belive that this site is founded and funded by

competitors of Primerica. And in saying that I call this SLANDER,

which just happens to be unlawful and down right dirty.

Those who have tried Primerica and have failed are the ones who did nothing and were hoping for a get rich fast plan, but unless you either win the lotto or inherit a fortune, there is no way to become rich without working hard for it. And working hard is what I've been doing for the past month, working hard to help those I care about and working hard to provide a comfortable life for my son and I, through helping others.

And no, we do not always tell our clients that what they have is

bad, only if it is actually bad. What is bad is telling people that they need insurance their whole life and jipping them out of their 'savings' in the meantime! Not to mention charging them outragous premiums for coverage that is clearly not sufficient. And the banks, well in their eyes as long as you 'owe' them, they 'own' you!



I am a good person and would never in a million years set out to

hurt those I care about or even those I don't know for any amount of money.



It is truly sad how low you would stoop to poke holes in your

competition, why don't you just be honest with your clients for a change! Do I need to remind you about all the "paid up" policy lawsuits that you are faced with and trying to keep the info out of the public. Besides, if a company would sell you such garbage as this (and they all have, except Primerica),

why would you listen to what they say ever again!



In the meantime, I don't argue that there are bad apples out there and I know that they will be found out by Primerica and the appropriate action will be taken.



I am appauled at this site and I have confidence that you will be

exposed as being unlawful, deceitfull and crooked.

:::::::::::::::



EDitor's Comment to the above REBUTTAL::::



Jackie,



I hope you are not an attorney, because if you were, and you were making accusations of slander, you would know that you put yourself in danger. You would also know that the truth is the perfect defense for slander. In essence, it puts the person on trial who makes the accusation of slander. Furthermore, I know you can't be a lawyer because a lawyer would know that slander is in the form of the spoken word. Perhaps you mean to say libel,

which is written down. The word parts of the Internet are considered the written word, and audio files would be audible or spoken words. I know it's a tricky distinction, but it is important.



Now that we have that out of the way, I hope you have not just focused in on this one report when you assert that this website is funded and founded by competitors of Primerica. I hope that you have noted that there have been nearly 11 million "hits" or visits to this website and Primerica is only one of the companies that we get complaints on. True, there have been a

significant number of complaints on Primerica, in fact, my quick count is 22, but you can't honestly believe that all this money would be spent just to criticize Primerica's pathetic attempt to scam people when there are much bigger fish to fry. Our integrity is also so important to us that we will not hide stories either. If we did, we would be no better than the Better

Business Bureau, who trade favorable recommendations for payment.



We have investigated Primerica pretty thoroughly and are concerned at several levels about this company. The person who filed this report did a pretty good job of researching the reports that are out there. We are consumer advocates. That means we want people to make informed decisions. We want to let people know ahead of time, before they buy a Ford Explorer with

certain Firestone tires, for example, that there are complaints and problems before they risk their lives and their fortunes. Certainly you can agree that MLM schemes are designed to "use" personal relationships to make money. Well, in that relationship, a master-vassal relationship in built. That

means that you have one person that is in a superior position. What that does is destroy healthy friendly relationships which by definition should be on equal footing.



Also, the advised use of the term "cult' was used because it fits a specific definition; "great devotion to a person, idea, or thing; esp: such devotion regarded as a fad." We realize that you in particular may have taken offense to this article because this is your livelihood. For a minute, stop thinking about yourself, which is what MLM sellers usually do, and think about

others. People come to us and have been stung. Maybe not by you, and maybe not purposefully. However, even if a person is ripped-off by incompetence, it makes no difference to him, he's still ripped-off.



I make a challenge to you. If not now, someday, I want you to put us to the test. I am sure that somewhere you have been taken advantage of. Let us know about it and see if we don't work as hard for you in that matter that has nothing to do with Primerica. We are for justice. We are for helping the little guy that gets trampled by corporate America and can't pay for an

attorney for that justice. Twenty-two complaints, after all, I hope you can agree, is an alarming pattern.
Respond to this report!
What's this?

#32 0

More Cult like Drivel below:

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: jjohnson68@hotmail.com

Their name: Jackie

Their phone number: 709-364-1234

Their relationship to the company: Supporter



Rebuttal:

First off, I truly belive that this site is founded and funded by

competitors of Primerica. And in saying that I call this SLANDER, which just happens to be unlawful and down right dirty.



Those who have tried Primerica and have failed are the ones who did nothing and were hoping for a get rich fast plan, but unless you either win the lotto or inherit a fortune, there is no way to become rich without working hard for it. And working hard is what I've been doing for the past month, working hard to help those I care about and working hard to provide a comfortable life for my son and I, through helping others.



And no, we do not always tell our clients that what they have is bad, only if it is actually bad. What is bad is telling people that they need insurance their whole life and jipping them out of their 'savings' in the meantime! Not to mention charging them outragous premiums for coverage that is clearly not sufficient. And the banks, well in their eyes as long

as you 'owe' them, they 'own' you!



I am a good person and would never in a million years set out to hurt those I care about or even those I don't know for any amount of money.



It is truly sad how low you would stoop to poke holes in your competition, why don't you just be honest with your clients for a change! Do I need to remind you about all the "paid up" policy lawsuits that you are faced with and trying to keep the info out of the public. Besides, if a company would sell you such garbage as this (and they all have, except Primerica),

why would you listen to what they say ever again!



In the meantime, I don't argue that there are bad apples out there and I know that they will be found out by Primerica and the appropriate action will be taken.



I am appauled at this site and I have confidence that you will be exposed as being unlawful, deceitfull and crooked.

::::::::::::::::::::::

EDitor's Suggestion:::
Respond to this report!
What's this?

#33 0

More Cult like Drivel below:

AUTHOR: - ()

They filed the following rebuttal to the above Rip-Off Report:



Their email: jjohnson68@hotmail.com

Their name: Jackie

Their phone number: 709-364-1234

Their relationship to the company: Supporter



Rebuttal:

First off, I truly belive that this site is founded and funded by

competitors of Primerica. And in saying that I call this SLANDER, which just happens to be unlawful and down right dirty.



Those who have tried Primerica and have failed are the ones who did nothing and were hoping for a get rich fast plan, but unless you either win the lotto or inherit a fortune, there is no way to become rich without working hard for it. And working hard is what I've been doing for the past month, working hard to help those I care about and working hard to provide a comfortable life for my son and I, through helping others.



And no, we do not always tell our clients that what they have is bad, only if it is actually bad. What is bad is telling people that they need insurance their whole life and jipping them out of their 'savings' in the meantime! Not to mention charging them outragous premiums for coverage that is clearly not sufficient. And the banks, well in their eyes as long

as you 'owe' them, they 'own' you!



I am a good person and would never in a million years set out to hurt those I care about or even those I don't know for any amount of money.



It is truly sad how low you would stoop to poke holes in your competition, why don't you just be honest with your clients for a change! Do I need to remind you about all the "paid up" policy lawsuits that you are faced with and trying to keep the info out of the public. Besides, if a company would sell you such garbage as this (and they all have, except Primerica),

why would you listen to what they say ever again!



In the meantime, I don't argue that there are bad apples out there and I know that they will be found out by Primerica and the appropriate action will be taken.



I am appauled at this site and I have confidence that you will be exposed as being unlawful, deceitfull and crooked.

::::::::::::::::::::::

EDitor's Suggestion:::
Respond to this report!
What's this?

#34 0

It is easier to say the company is a scam than to realize these people are just lazy *EDitor's note: yah right

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by JB at puk77@prodigy.net.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: puk77@prodigy.net

Their name: JB



Their relationship to the company: Consumer Suggestion



Rebuttal:

This is the best business opportunity in America today. The ones that dispute the company are the ones that are to lazy to do anything. Working for someone else and making the business owners dreams come true are more important to them. Look at it this way... It is easier to say the company is a scam than to realize these people are just lazy to do anything with their lives.



EDitor's Comment to the above REBUTTAL::::



yah right.

Well then, why are there so many complaints all over the Internect about Primerica? All these people are lazy?



No matter what reason you give for the failures, why not refund these vicitms their hard earned money if they were sold something that was not right for them?


Respond to this report!
What's this?

#35 0

I feel very strongly the opposite and I'll tell you why.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Chris at angler_52@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: angler_52@hotmail.com

Their name: Chris



Their relationship to the company: Consumer Suggestion



Rebuttal:

Melissa,

It is obvious you feel strongly about Primerica. I feel very strongly the opposite and I'll tell you why.



I agree that nobody has to do what they don't want to do. On the other hand, I saw people at the recruitment meetings that didn't know anything about finance, were in terrible financial shape themselves (thus in my mind unqualfied to give advice to me as to financial direction), and people who had no experience on the receiving end of loans, investments, or insurance. That is, they had no idea what kinds of complications existed in the financial services industry, and how many choices there are

for different people in different situations. Could these people have been educated and molded into good financial analysts after several years of economic and financial education, on-the-job training, and life experience? Absolutely..I think everybody has potential to do what they

desire. But here's the problem - these people were ALREADY selling products and financial terms to their warm market and to recruits they met around town. They underwent 2 weeks of training and passed a rather rudimentary exam in order to sell insurance. I know they had to pass a to discern between

different types of insurance and what is best for each individual. Some people have a driver's license that should not be behind the wheel.



As such, I believe Primerica exploits the uneducated and the gullible, to market and induce people into buying undesirable

products. I posted a rebuttal to another report just a few days ago. It goes through my experience of the PFA ripping my FNA from my hands when I proved that their loan was sub-prime, ridiculous garbage. I didn't even get to see the other options for insurance and investments. Why? Because I knew too much, and they don't want to sell to a knowledgable market.

They prefer to give you their own misguided advice and numbers (and the numbers on my loan were horribly misleading..) and sell it as fact.



You think they would have been happy to know that I found a better loan than they offered (in fact, I already had it, and proved it). They should have been happy to know that I had even more money freed up that I could invest into their mutual funds, or use to protect my income through life that I educated myself to recognize a loan offer as almost predatory, and certainly misleading. But that's not how they work. They are not willing to offer products to anyone with an ounce of knowledge other than what they tell you...things like "interest rate doesn't matter" or "this fund has always grown at xx% and just between you and me, I guarantee it's going to beat the pants off

of any index fund" or "term is always better." See, they don't know anything other than what PFS tells them. So it's hard to blame many of the agents, because they *think* they are helping people...whereas many higher up in the pyramid are comforted by the fact that their agents think they are helping people. And, many people who are "helped" have been fed the same drivel that the PFS agents have been taught, so that they go along thinking they have been helped. In reality, they would have been served much better to be educated and guided toward smart strategies for

getting out of debt and investing.



PFS could be noble, if they educated consumers on things like "Always pay off your credit card" and "divide 72 by your interest rate to find out about how many years it takes for your money to double". *Then*, if they chose to offer products, offer low-priced quality term insurance, competitive mortgages, and no load index funds, even if they don't directly benefit the company via commissions, fees, and high interest rates.



Rather, they give decent rules of thumb to live by, then stick the consumer with total garbage.



Your products are not bashed only by others in the industry, but by financial experts who have no vested interest in selling a product. Your agents have a distinct conflict of interest. No matter how good another company's product may fit a consumer's goals, your agent is not even allowed to mention it, much less provide it as a viable option. Yes, many banks operate this way, as do some investment companies. But the reputable, successful companies offer a wide variety of insurance, funds,

and loans, all which are tailored to meet a consumer's needs. Many make a small percentage of growth earnings from a consumers portfolio. Primerica gets the money upfront as fees, closing costs, and high interest rates with prepay penalties, then gets the hell out of dodge. Setting someone up with a product does not equal helping them get out of debt.



Yes, Primerica has noble goals, and has declared a respectable niche in the market. But I said it before: consumers are better off without the garbage you are trying to sell them. If your goal is truly to help people, go out and teach a few people 10 principles, or rules of thumb, that show them how to avoid or get out of debt, and to make quality investments. Then help them find quality, low-cost products that meet their needs. These will not be Primerica products in all likelihood.

*THAT* is a service. The problem is, in order to be qualified to offer a variety of products to a variety of people takes education (and lots of it), and lots of experience. The world is a complicated place, and Primerica is not a means to speed past the requirements to be knowledgable.



If you were being taugh to help people, you would walk into some clients with an FNA that shows they are doing something right, and what could be done better. Instead, you ALWAYS show how their mortgage is worse, and ALWAYS show how their life insurance is worse, and ALWAYS show how their investments are worse, and ALWAYS show they have a shortfall in their income that can only be cured by joining the pyramid. In my case, they

were wrong (decidedly wrong) on the first point (the mortgage) and refused to help me beyond that. They said if I didn't buy it, it wasn't worth their time. They had no interest in "helping" me beyond "helping" me drain my bank accounts.



So in conclusion, and to answer your closing question, if you can look at a financial advice objectively, then go for it. See what kind of products they offer. If you are not very good with numbers, or financial principles, then I would recommend buying some books and reading as much as possible on the Internet PRIOR to believing what they say, because their numbers are deceptive and often outright lies. They will ask you if you ever consult a trusted family member or friend for financial advice. If you do normally consult with family or friend, they will explicitly

tell you not to, and they "won't waste our time if you can't make your own decisions". That's a red flag if I ever heard one.
Respond to this report!
What's this?

#36 0

I feel very strongly the opposite and I'll tell you why.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Chris at angler_52@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: angler_52@hotmail.com

Their name: Chris



Their relationship to the company: Consumer Suggestion



Rebuttal:

Melissa,

It is obvious you feel strongly about Primerica. I feel very strongly the opposite and I'll tell you why.



I agree that nobody has to do what they don't want to do. On the other hand, I saw people at the recruitment meetings that didn't know anything about finance, were in terrible financial shape themselves (thus in my mind unqualfied to give advice to me as to financial direction), and people who had no experience on the receiving end of loans, investments, or insurance. That is, they had no idea what kinds of complications existed in the financial services industry, and how many choices there are

for different people in different situations. Could these people have been educated and molded into good financial analysts after several years of economic and financial education, on-the-job training, and life experience? Absolutely..I think everybody has potential to do what they

desire. But here's the problem - these people were ALREADY selling products and financial terms to their warm market and to recruits they met around town. They underwent 2 weeks of training and passed a rather rudimentary exam in order to sell insurance. I know they had to pass a to discern between

different types of insurance and what is best for each individual. Some people have a driver's license that should not be behind the wheel.



As such, I believe Primerica exploits the uneducated and the gullible, to market and induce people into buying undesirable

products. I posted a rebuttal to another report just a few days ago. It goes through my experience of the PFA ripping my FNA from my hands when I proved that their loan was sub-prime, ridiculous garbage. I didn't even get to see the other options for insurance and investments. Why? Because I knew too much, and they don't want to sell to a knowledgable market.

They prefer to give you their own misguided advice and numbers (and the numbers on my loan were horribly misleading..) and sell it as fact.



You think they would have been happy to know that I found a better loan than they offered (in fact, I already had it, and proved it). They should have been happy to know that I had even more money freed up that I could invest into their mutual funds, or use to protect my income through life that I educated myself to recognize a loan offer as almost predatory, and certainly misleading. But that's not how they work. They are not willing to offer products to anyone with an ounce of knowledge other than what they tell you...things like "interest rate doesn't matter" or "this fund has always grown at xx% and just between you and me, I guarantee it's going to beat the pants off

of any index fund" or "term is always better." See, they don't know anything other than what PFS tells them. So it's hard to blame many of the agents, because they *think* they are helping people...whereas many higher up in the pyramid are comforted by the fact that their agents think they are helping people. And, many people who are "helped" have been fed the same drivel that the PFS agents have been taught, so that they go along thinking they have been helped. In reality, they would have been served much better to be educated and guided toward smart strategies for

getting out of debt and investing.



PFS could be noble, if they educated consumers on things like "Always pay off your credit card" and "divide 72 by your interest rate to find out about how many years it takes for your money to double". *Then*, if they chose to offer products, offer low-priced quality term insurance, competitive mortgages, and no load index funds, even if they don't directly benefit the company via commissions, fees, and high interest rates.



Rather, they give decent rules of thumb to live by, then stick the consumer with total garbage.



Your products are not bashed only by others in the industry, but by financial experts who have no vested interest in selling a product. Your agents have a distinct conflict of interest. No matter how good another company's product may fit a consumer's goals, your agent is not even allowed to mention it, much less provide it as a viable option. Yes, many banks operate this way, as do some investment companies. But the reputable, successful companies offer a wide variety of insurance, funds,

and loans, all which are tailored to meet a consumer's needs. Many make a small percentage of growth earnings from a consumers portfolio. Primerica gets the money upfront as fees, closing costs, and high interest rates with prepay penalties, then gets the hell out of dodge. Setting someone up with a product does not equal helping them get out of debt.



Yes, Primerica has noble goals, and has declared a respectable niche in the market. But I said it before: consumers are better off without the garbage you are trying to sell them. If your goal is truly to help people, go out and teach a few people 10 principles, or rules of thumb, that show them how to avoid or get out of debt, and to make quality investments. Then help them find quality, low-cost products that meet their needs. These will not be Primerica products in all likelihood.

*THAT* is a service. The problem is, in order to be qualified to offer a variety of products to a variety of people takes education (and lots of it), and lots of experience. The world is a complicated place, and Primerica is not a means to speed past the requirements to be knowledgable.



If you were being taugh to help people, you would walk into some clients with an FNA that shows they are doing something right, and what could be done better. Instead, you ALWAYS show how their mortgage is worse, and ALWAYS show how their life insurance is worse, and ALWAYS show how their investments are worse, and ALWAYS show they have a shortfall in their income that can only be cured by joining the pyramid. In my case, they

were wrong (decidedly wrong) on the first point (the mortgage) and refused to help me beyond that. They said if I didn't buy it, it wasn't worth their time. They had no interest in "helping" me beyond "helping" me drain my bank accounts.



So in conclusion, and to answer your closing question, if you can look at a financial advice objectively, then go for it. See what kind of products they offer. If you are not very good with numbers, or financial principles, then I would recommend buying some books and reading as much as possible on the Internet PRIOR to believing what they say, because their numbers are deceptive and often outright lies. They will ask you if you ever consult a trusted family member or friend for financial advice. If you do normally consult with family or friend, they will explicitly

tell you not to, and they "won't waste our time if you can't make your own decisions". That's a red flag if I ever heard one.
Respond to this report!
What's this?

#37 0

I feel very strongly the opposite and I'll tell you why.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Chris at angler_52@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: angler_52@hotmail.com

Their name: Chris



Their relationship to the company: Consumer Suggestion



Rebuttal:

Melissa,

It is obvious you feel strongly about Primerica. I feel very strongly the opposite and I'll tell you why.



I agree that nobody has to do what they don't want to do. On the other hand, I saw people at the recruitment meetings that didn't know anything about finance, were in terrible financial shape themselves (thus in my mind unqualfied to give advice to me as to financial direction), and people who had no experience on the receiving end of loans, investments, or insurance. That is, they had no idea what kinds of complications existed in the financial services industry, and how many choices there are

for different people in different situations. Could these people have been educated and molded into good financial analysts after several years of economic and financial education, on-the-job training, and life experience? Absolutely..I think everybody has potential to do what they

desire. But here's the problem - these people were ALREADY selling products and financial terms to their warm market and to recruits they met around town. They underwent 2 weeks of training and passed a rather rudimentary exam in order to sell insurance. I know they had to pass a to discern between

different types of insurance and what is best for each individual. Some people have a driver's license that should not be behind the wheel.



As such, I believe Primerica exploits the uneducated and the gullible, to market and induce people into buying undesirable

products. I posted a rebuttal to another report just a few days ago. It goes through my experience of the PFA ripping my FNA from my hands when I proved that their loan was sub-prime, ridiculous garbage. I didn't even get to see the other options for insurance and investments. Why? Because I knew too much, and they don't want to sell to a knowledgable market.

They prefer to give you their own misguided advice and numbers (and the numbers on my loan were horribly misleading..) and sell it as fact.



You think they would have been happy to know that I found a better loan than they offered (in fact, I already had it, and proved it). They should have been happy to know that I had even more money freed up that I could invest into their mutual funds, or use to protect my income through life that I educated myself to recognize a loan offer as almost predatory, and certainly misleading. But that's not how they work. They are not willing to offer products to anyone with an ounce of knowledge other than what they tell you...things like "interest rate doesn't matter" or "this fund has always grown at xx% and just between you and me, I guarantee it's going to beat the pants off

of any index fund" or "term is always better." See, they don't know anything other than what PFS tells them. So it's hard to blame many of the agents, because they *think* they are helping people...whereas many higher up in the pyramid are comforted by the fact that their agents think they are helping people. And, many people who are "helped" have been fed the same drivel that the PFS agents have been taught, so that they go along thinking they have been helped. In reality, they would have been served much better to be educated and guided toward smart strategies for

getting out of debt and investing.



PFS could be noble, if they educated consumers on things like "Always pay off your credit card" and "divide 72 by your interest rate to find out about how many years it takes for your money to double". *Then*, if they chose to offer products, offer low-priced quality term insurance, competitive mortgages, and no load index funds, even if they don't directly benefit the company via commissions, fees, and high interest rates.



Rather, they give decent rules of thumb to live by, then stick the consumer with total garbage.



Your products are not bashed only by others in the industry, but by financial experts who have no vested interest in selling a product. Your agents have a distinct conflict of interest. No matter how good another company's product may fit a consumer's goals, your agent is not even allowed to mention it, much less provide it as a viable option. Yes, many banks operate this way, as do some investment companies. But the reputable, successful companies offer a wide variety of insurance, funds,

and loans, all which are tailored to meet a consumer's needs. Many make a small percentage of growth earnings from a consumers portfolio. Primerica gets the money upfront as fees, closing costs, and high interest rates with prepay penalties, then gets the hell out of dodge. Setting someone up with a product does not equal helping them get out of debt.



Yes, Primerica has noble goals, and has declared a respectable niche in the market. But I said it before: consumers are better off without the garbage you are trying to sell them. If your goal is truly to help people, go out and teach a few people 10 principles, or rules of thumb, that show them how to avoid or get out of debt, and to make quality investments. Then help them find quality, low-cost products that meet their needs. These will not be Primerica products in all likelihood.

*THAT* is a service. The problem is, in order to be qualified to offer a variety of products to a variety of people takes education (and lots of it), and lots of experience. The world is a complicated place, and Primerica is not a means to speed past the requirements to be knowledgable.



If you were being taugh to help people, you would walk into some clients with an FNA that shows they are doing something right, and what could be done better. Instead, you ALWAYS show how their mortgage is worse, and ALWAYS show how their life insurance is worse, and ALWAYS show how their investments are worse, and ALWAYS show they have a shortfall in their income that can only be cured by joining the pyramid. In my case, they

were wrong (decidedly wrong) on the first point (the mortgage) and refused to help me beyond that. They said if I didn't buy it, it wasn't worth their time. They had no interest in "helping" me beyond "helping" me drain my bank accounts.



So in conclusion, and to answer your closing question, if you can look at a financial advice objectively, then go for it. See what kind of products they offer. If you are not very good with numbers, or financial principles, then I would recommend buying some books and reading as much as possible on the Internet PRIOR to believing what they say, because their numbers are deceptive and often outright lies. They will ask you if you ever consult a trusted family member or friend for financial advice. If you do normally consult with family or friend, they will explicitly

tell you not to, and they "won't waste our time if you can't make your own decisions". That's a red flag if I ever heard one.
Respond to this report!
What's this?

#38 0

I feel very strongly the opposite and I'll tell you why.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Chris at angler_52@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: angler_52@hotmail.com

Their name: Chris



Their relationship to the company: Consumer Suggestion



Rebuttal:

Melissa,

It is obvious you feel strongly about Primerica. I feel very strongly the opposite and I'll tell you why.



I agree that nobody has to do what they don't want to do. On the other hand, I saw people at the recruitment meetings that didn't know anything about finance, were in terrible financial shape themselves (thus in my mind unqualfied to give advice to me as to financial direction), and people who had no experience on the receiving end of loans, investments, or insurance. That is, they had no idea what kinds of complications existed in the financial services industry, and how many choices there are

for different people in different situations. Could these people have been educated and molded into good financial analysts after several years of economic and financial education, on-the-job training, and life experience? Absolutely..I think everybody has potential to do what they

desire. But here's the problem - these people were ALREADY selling products and financial terms to their warm market and to recruits they met around town. They underwent 2 weeks of training and passed a rather rudimentary exam in order to sell insurance. I know they had to pass a to discern between

different types of insurance and what is best for each individual. Some people have a driver's license that should not be behind the wheel.



As such, I believe Primerica exploits the uneducated and the gullible, to market and induce people into buying undesirable

products. I posted a rebuttal to another report just a few days ago. It goes through my experience of the PFA ripping my FNA from my hands when I proved that their loan was sub-prime, ridiculous garbage. I didn't even get to see the other options for insurance and investments. Why? Because I knew too much, and they don't want to sell to a knowledgable market.

They prefer to give you their own misguided advice and numbers (and the numbers on my loan were horribly misleading..) and sell it as fact.



You think they would have been happy to know that I found a better loan than they offered (in fact, I already had it, and proved it). They should have been happy to know that I had even more money freed up that I could invest into their mutual funds, or use to protect my income through life that I educated myself to recognize a loan offer as almost predatory, and certainly misleading. But that's not how they work. They are not willing to offer products to anyone with an ounce of knowledge other than what they tell you...things like "interest rate doesn't matter" or "this fund has always grown at xx% and just between you and me, I guarantee it's going to beat the pants off

of any index fund" or "term is always better." See, they don't know anything other than what PFS tells them. So it's hard to blame many of the agents, because they *think* they are helping people...whereas many higher up in the pyramid are comforted by the fact that their agents think they are helping people. And, many people who are "helped" have been fed the same drivel that the PFS agents have been taught, so that they go along thinking they have been helped. In reality, they would have been served much better to be educated and guided toward smart strategies for

getting out of debt and investing.



PFS could be noble, if they educated consumers on things like "Always pay off your credit card" and "divide 72 by your interest rate to find out about how many years it takes for your money to double". *Then*, if they chose to offer products, offer low-priced quality term insurance, competitive mortgages, and no load index funds, even if they don't directly benefit the company via commissions, fees, and high interest rates.



Rather, they give decent rules of thumb to live by, then stick the consumer with total garbage.



Your products are not bashed only by others in the industry, but by financial experts who have no vested interest in selling a product. Your agents have a distinct conflict of interest. No matter how good another company's product may fit a consumer's goals, your agent is not even allowed to mention it, much less provide it as a viable option. Yes, many banks operate this way, as do some investment companies. But the reputable, successful companies offer a wide variety of insurance, funds,

and loans, all which are tailored to meet a consumer's needs. Many make a small percentage of growth earnings from a consumers portfolio. Primerica gets the money upfront as fees, closing costs, and high interest rates with prepay penalties, then gets the hell out of dodge. Setting someone up with a product does not equal helping them get out of debt.



Yes, Primerica has noble goals, and has declared a respectable niche in the market. But I said it before: consumers are better off without the garbage you are trying to sell them. If your goal is truly to help people, go out and teach a few people 10 principles, or rules of thumb, that show them how to avoid or get out of debt, and to make quality investments. Then help them find quality, low-cost products that meet their needs. These will not be Primerica products in all likelihood.

*THAT* is a service. The problem is, in order to be qualified to offer a variety of products to a variety of people takes education (and lots of it), and lots of experience. The world is a complicated place, and Primerica is not a means to speed past the requirements to be knowledgable.



If you were being taugh to help people, you would walk into some clients with an FNA that shows they are doing something right, and what could be done better. Instead, you ALWAYS show how their mortgage is worse, and ALWAYS show how their life insurance is worse, and ALWAYS show how their investments are worse, and ALWAYS show they have a shortfall in their income that can only be cured by joining the pyramid. In my case, they

were wrong (decidedly wrong) on the first point (the mortgage) and refused to help me beyond that. They said if I didn't buy it, it wasn't worth their time. They had no interest in "helping" me beyond "helping" me drain my bank accounts.



So in conclusion, and to answer your closing question, if you can look at a financial advice objectively, then go for it. See what kind of products they offer. If you are not very good with numbers, or financial principles, then I would recommend buying some books and reading as much as possible on the Internet PRIOR to believing what they say, because their numbers are deceptive and often outright lies. They will ask you if you ever consult a trusted family member or friend for financial advice. If you do normally consult with family or friend, they will explicitly

tell you not to, and they "won't waste our time if you can't make your own decisions". That's a red flag if I ever heard one.
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#39 0

I will be sure to try my hardest to find the person to handle these complaints!

AUTHOR: - ()

Primerica - Multi-Level Scam *REBUTTALS ..just another cult *EDitor's comments (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: munchie1976@hotmail.com

Their name: Melissa



Their relationship to the company: Supporter



Rebuttal:

I have read all the complaints and compliments about Primerica on this website. I must say I'm quite appauled by all of it. Especially the editors comments bashing the people of Primerica. And it didn't surprise me at all to see the editor bashing BBB either. Anything to make your website look better huh?



I have just joined Primerica myself. So here are my comments that you may bash at your own free will.



Yes, I was a little hesitant at first thinking I was getting pulled into a scam like when I sold Petra (another story another time) but, after speaking with the man who recruited me (who also happens to be a good friend from church who only offered this to me because my fiance and I have a massive shortfall in our budget because I had to leave my job as a graphic artist because of discrimination towards me) I figured that I'd

give it a go. No, I was NOT brainwashed. I make my decisions about my life on my own, no one can persuade me to do something I don't want to do. I only decided to give this company a go to make up for that $400 a month shortfall that we have. I was NEVER told this was a Get-Rich-Quick plan.



Everyone out there should know that the only thing that will get you rich quick is the lottery and I wish you all the best with that. And of course you have to work at any business, no matter what your doing, to make money. You should never expect to get out of bed one morning and discover that your a millionaire. It sounds to me like the people who joined Primerica and quit weren't working very hard. You don't have to 'hire' people if you don't want to. You don't have to do ANYTHING you DON'T want

to do!



Another comment that shocked me was that we weren't trained to do what we do. Excuse Me! Do you want to explain to me than why I have to go to school and take a state exam for every service we offer!?!



Another comment was that we push you in to taking things you don't want. Yesterday I sat down with my mother and one of the many people who are helping to train me. My mother has had money in mutual funds for years and has made basically nothing. She knew the name of the man at the bank who had originally helped her to place her funds but she told my trainer and I that everytime she had tried to call him he either blew her off like she was nobody or wasn't in. Of course only in training and not having the license to do mutual funds I was very shocked and my mother too to hear my trainer say that he would call her if the stocks seemed to be doing bad so they could figure out a way to fix it. My mothers money is also a very small sum compared to what most people put in. The man at the bank was very blunt in stating this to her. My trainer didn't seem to mind. Yes, of

course he wouldn't because he's getting paid right? Yeah, I know thats what your going to say but ummm.....doesn't the guy at the bank get paid too? All the other companies out there that sell mortgages, mutual funds, IRA's, life insurance, pre-paid legal and such, don't they get paid too?



I could bash the crap out of this site on my site if I wanted to. Aren't you getting paid? Sounded like it in one of the comments you made about why you ask for donations. Obviously you wouldn't be putting peoples thoughts on the net for free. I happen to think your a jerk, but you make money doing this right? My mother also wanted to put money in a emergency

account. The account Primerica puts it in (please remember I'm only in training) a checking account that offers a 5 point something interest rate more and she told him that. He told

her then go with your bank if you'll make more money on it why bother with only 5 point something. Oooh! I know the comment on that one....we don't get paid for signing up an emergency fund. But, we do get paid for life insurance. My mom didn't want it. During the initial appointment she stated this when we hit the part of the pamphlet about life insurance. We skipped it intirely! And on the closing appointment, we didn't even bring

it up. Oooh! Sounds a little too pushy for me!



Now, don't get me wrong. I'm sure there are people out there who are pushy about our services to make money. I'm sure their calling you all the time to try to 'hire' you. Not everyone is like that. Me for instance. I like the fact that I will be able to help people get out of debt. I won't be crushed if they decide not to sign up for anything as long as I gave them

an idea and an outline of what they need to do for their financial success. My fiance and I discovered when our FNA was done that we didn't really have a shortfall....just a spending problem which we are now working on. And yes, there are many people out there that can figure out their budgets on their own. I thought I could. Primerica offers people to be taught about how money works. The FNA is free and there really is no

catch. You don't want any services we offer then fine. Honestly, what do you really have to lose? People on this website are telling you to run away from Primerica. I say give them a chance. If someone is being too pushy then why don't you contact Primerica yourself instead of complaining on a website. You obviously have the internet....go to Primerica's website!



I am being trained and taught to help people, NOT be a salesperson.



My last comment is this one. The editor made this comment in one of his rebuttals....



Question is, why isn't someone from Primerica doing anything about these complaints? Just saying how great you are and avoiding the issues raised sounds as though you have been brainwashed.



I will be sure to try my hardest to find the person to handle these complaints! In the meantime why don't you listen to the people that are involved in Primerica. This is in fact considered their business so they do have authority to comment the way Primerica has helped make their life prosper and the good points that Primerica does have. I think the comments

from the people who are no longer involved in this company are based soley on the fact that they didn't want to work. They just wanted to get rich quick which is not the way America works.



So, for the people who are considering letting Primerica come into their home to help them, do it. Like I said before....what do you have to lose?



Melissa

Connecticut
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#40 0

EDitor's suggestion

AUTHOR: - ()

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#41 0

Letter to the EDitor sparks *REBUTTAL

AUTHOR: - ()

From: BERMECK@aol.com

Date: Wed, 6 Jun 2001 15:43:26 EDT

Subject: FYI

To: EDitor@ripoffreport.com



By the way....



If Primerica is a Pyramid Scheme and a rip-off .....then you had better report on every company and organization that has a sales force in the country....



Your info on Primerica is severly wrong and clearly mis-stated.



Primerica just happens to be the distribution arm of Citicorp !!! heard of them ???...got anything horrible about the largest financial company in america ???



Your web-master had bettrer become a little more familiar with companies and organizations your site reports on.... sounds to me your site must be funded by one of hundreds of Life Insurance companies that have been mis-leading millions of americans for several decades---on issues of insurance and estate building.



Check the facts before spewing about business opportunties of which your site people know nothing about !!! Its mis-leading and slanderous.



Shame on you.



Lee Martin

bermeck@aol.com.....p.s.....it's no wonder thousands of these trash-type sites are all going under....good riddens...stop mis-leading people through the net !!!





EDitortial Comment:::::::



WE very seldom create Rip-off Reports. We do make many EDitorial comments.



99% of all Rip-off Reports are written by the victimized consumer. However, we have in the past taken on certain companies and/or individuals. But not Primerica, and we have no interest to do so in the future. The submissions have been made strictly by victims of your organization.



You are entitled to your opinion and so are we. Hopefully, we can agree on that.



We will not go out of business. We have helped consumers collect or save well over 1 million dollars and ask for nothing. Just recently we have asked for 15 to 20% of what we help victims collect. This is not mandatory and is strictly voluntary. If we get nothing, we will still survive.



Some people in your Primerica organization must be doing something wrong. All those reports on our web site and all over the Internet? ..Are they all lying?



Question is, why isn't someone from Primerica doing anything about these complaints? Just saying how great you are and avoiding the issues raised sounds as though you have been brainwashed.



We expect you will respond to this comment in like manner by similarly skirting around the issues. The rationale of your rebuttal is that because your company is a large company and

a distribution arm of an even larger company, your sales people would not rip anyone off. What planet are you on? Are you that naive?



For many years our society would never think the following

Who would think school teachers could be sex perverts?

Who would think politicians could do some of the many things we read about?



Who would think church bishops & ministers would commit adultery?

Who would think parents would kill their children?

Who would think Sears stores would sell used batteries as new?

Who would think Ford or Firestone would screw consumers?

Who would think cigarette companies could have held back life threatening information?



Is Primerica bigger than some of the above I have mentioned?



For centuries some of the above was thought to be unheard of!



Your company is so big that it would be impossible for the CEO and board members to know all of what is going on. So let's say, Primerica itself is a good company. Let them show how good they are by checking into the individual people who are probably screwing many of your clients to get those fees.



When you're ready to take on the specific complaints of consumers that have been victimized by Primerica, you should e-mail me back. Please don't tell me how big you are and how you're such a wonderful BIG company. What a joke.



EDitor@badbusinessbureau.com



PS. DO you know what city in the United States has the highest white collar crime? ... Salt Lake City! hmmmmmmmmm
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This email is a rebuttal to RipOff #3826.

It was sent by JC at mcatsmj@prtc.net.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: mcatsmj@prtc.net

Their name: JC

Their phone number: @Rebuttal_Phone@

Their relationship to the company: Supporter



Rebuttal:

First of all. Call your favorite bank. Tell them you want them go to house, explain their companies, and how they help families for debt free life. Ask them how you can be debt free in the shortest time, take the term life insurance**---(Shure you may pay little more in 55 year than 21 year old. the idea of the cash value "for you" is you have fixed payment on all your life, then on the golden years you still paying the same bill

and... If more old you are, your cover is more high, how them you pay the same bill? And the CASH VALUE acumulated these year?)---** and invest the difference. If you have debt, they did a financial analisys explaining when, how you accelerate this debts in shrotest time so you can live with your savings and then, you can terminate you term life insurance because

you have the suficient saving and cero debt so, if you die your saving cover your family with the income for life or year patrimony you have constructing.



So. Citigroup is compund of Travelers, Citibank, Primerica, And Salomon Smith & Barney. You know them?
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#43 0

I have seen my best friend be lured by the promises of "wealth" and "financial freedom".

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Tim at madhouse444@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS ..just another cult (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: madhouse444@hotmail.com

Their name: Tim

Their phone number: unlisted

Their relationship to the company: Consumer Suggestion



Rebuttal:

WATCH OUT! I have seen my best friend be lured by the promises of "wealth" and "financial freedom". Before receiving a dime (and having to pay to "join") he received several awards....some payment for hard work and MANY hours spent peddling and recruiting. He has been convinced that anyone that does not like Primerica is not worth having in your life. He has been TOLD to attend church and join church organizations for the

"contacts" and to improve his reputation. I have heard cult horror stories that don't compare to the brainwashing my best friend has received from Primerica.



I simply say to anyone foolish enough to consider going anywhere near Primerica, "RUN AWAY!!!" ..definitely
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#44 0

I haven't seen anyone getting "ripped off" by anyone in Primerica.

AUTHOR: - ()

Primerica - Multi-Level Scam *REBUTTALS ..just another cult (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: Downssmith@msn.com

Their name: Jason Smith

Their relationship to the company: Supporter



Rebuttal:

I'm not in Primerica right now but my brother and father are. I'm a graduate with a Masters in banking and finance. I've researched this company heavily and have found that, as with any company being successful, there are complaints. People hated Jesus although he was just trying to help them.



It seems that all of the complaints about "consumer fraud" are not being backed up by any facts. I haven't seen anyone getting "ripped off" by anyone in Primerica. Sure, the agent makes money on the consumer. What company doesn't? That's the whole purpose being a busines. I have yet to see a financial company that says "we want to help you!". No, these aren't a bunch of missionaries out to change the world, they are trying to

earn a dollar in the way that they feel is honest. I feel that it is honest as well. I been in the financial industry for a long time and I see no problem with Primerica. None.
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#45 0

Primerica is nowhere on the Forbes Super 500 ...even if it was..

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Yanic Marten at yjmarten00@yahoo.com.



Primerica - Multi-Level Scam *REBUTTALS (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: yjmarten00@yahoo.com

Their name: Yanic Marten



Their relationship to the company: Consumer Suggestion



Rebuttal:

Tori doesn't know what she's talking about.



Primerica is nowhere on the Forbes Super 500. And even if it was, just because a company is huge, doesn't mean that it is good. Citigroup is Primerica's parent company - but it is NOT Primerica. Primerica used to be known as A.L. Williams until it was bought by Sandy Weill.



The fact that Citigroup now OWNS Primerica does not mean that it is a good company to do business with.



Primerica reps are often hypocrites: Why?



Primerica owns 100% of National Benefit Life - who sell millions of dollars of cash value insurance every year.



Primerica cross-sells products for Citigroup. A company that makes BILLIONS of dollars each year on consumer debt.



Primerica agents love to always say "We do what's right 100% of the time", yet they can't - they are not able to offer products beyond their expensive term insurance, loaded mutual funds, and high-interest rate consolidation loans.



What's even worse is that Primerica customers are then solicitied by Citigroup companies like Citifinancial or Citibank VISA.



And yet worse is the fact that the majority of their agents have little or no formal education about finances, economics, or business, and are discouraged from thinking for themselves.



For these reasons (and many others I don't have the time or space to describe) I think that smart consumers would avoid Primerica and do some independent research to find a reputable, INDEPENDENT investment and insurance advisor.



Yanic
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#46 0

Just listen then maybe you could retire happily instead of being in debt for the rest of your lives.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Tori at knockout_girl_99@yahoo.com.



Primerica - Multi-Level Scam *REBUTTALS (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: knockout_girl_99@yahoo.com

Their name: Tori

Their relationship to the company: Supporter



Rebuttal:

Personally, anyone who has something to say about Primerica are just ignorant. You are people who just hear things from different people and never really understood what Primerica is all about. If you are so against Primerica then why is it that they are number one in the Forbes Super 500 or why is Sandy Weill the number one financial advisor in the world. Citigroup has knocked General Motors off of their throne that they

have held for 30- 40 years and now Primerica is NUMBER ONE. We have 100 million customers in 100 different countries. We all of you don't realize is that Primerica is doing the right thing. You all are stuck on how the banks work, how you think everything should be done one certain way. The bank's financial advisor will never come sit down in your home and discuss

your problems, they ant you to come into their office waste your time on their bogus interest rates. If any of you just actually sat down and really looked at what Primerica is really about instead of listening to these others who don't know how to build thier business within Primerica then you would know. Really why would someone want Whole life insurance.

You keep paying higher premiums every few years and you will never ever get your cash value. When you retire would you rather have $300,000 in your hands or in your insurance. Well that's what all other insurnace companies are doing but Primerica. We help people get out of debt as well

as teach them about term insurance which really is the best way to go.

I'd rather have $300,000 in my hands by the time i retire. Noone here can actually believe in something positive and that's what Primerica is POSITIVITY. We teach families that they are getting scammed from the others and if none of you can see that then that is your problem because you will be the slum in 20 years and saying ya maybe I should have given them that chance. Just listen then maybe you could retire happily instead of being in debt for the rest of your lives.
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#47 0

..We are part of the largest company

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by Brigham Barlow at brotherbrigham@usa.net.



Primerica - Multi-Level Scam *REBUTTALS (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: brotherbrigham@usa.net

Their name: Brigham Barlow



Their relationship to the company: Supporter



Rebuttal:

I have been with primerica for over a month now and nothing but good has come of it, I've helped many people out, and not one of them has been unhappy with our products. We are part of the largest company in the world and have a 20 year proven track record. So anyone looking to use our products set an appointment and see for yourselves, what see here is nothing but the competion trying to help themselves out.
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#48 0

More like, you are part of the 2 largest cults...

AUTHOR: - ()

To: info@badbusinessbureau.com

From: Jeff Black



Brigham Barlow at brotherbrigham@usa.net, who wrote the above Rebuttal.....



Sounds like another cult to me. Seems like you already belong to one. There you are taught to lie and then go on your mission for the final lesson on how to be a cheat, RUTHLESS, and CUNNING.

I guess your in the right company now.

Birds of a feather flock together.
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#49 0

i have looked at the better buisness bureau and they have not had any compaints for three years

AUTHOR: - ()

From: "Scott Kurtz"

Date: Sun, 06 May 2001 19:21:55 -1000



To: "Consumer Advocate"

From:

Subject: Re: Rebuttal: Primerica Financial Services

Date: Sun, 6 May 2001 20:54:42 -0700



hello,

i find it interesting how upset you are with this company! And no need to be hostile with me i am not a part of primerica . i was honestly trying to find out some information about this company and i am getting so many diffrent opinions i do not know what to think. i have a lady coming over on wed. to talk with us about it. i have looked at the better buisness bureau and they have not had any compaints for three years. I have also looked at the MLM i think that is what it is, and they gave the company five stars.

soooooooooo that is where i am getting some of my information. I really like the concept of this company . BUT you are the only reason i am holding out.

nicole
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#50 0

I have researched the company and it seems like a sound company with glowing reviews..

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by nicole at dciples@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: dciples@hotmail.com

Their name: nicole



Their relationship to the company: Supporter



Rebuttal:

i was just asked to be a part of this company. I really don't know if i should. I like the idea of helping people get out of debt and plan for their life. But i do not want to get scammed again. I have researched the company and it seems like a sound company with glowing reviews. but now i have gone to this site and i see some diffrent views.
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#51 0

...tell us where you found these glowing reviews

AUTHOR: - ()

EDITORS NOTE:::::



... You have not searched the Internet very much, ..have you?



We are not saying this company is a bad investment or a good investment of your time and money. FYI ... check around, you will find the same type of reports elsewhere.



I think your from Primerica Financial Services anyway and this is a bogus REBUTTAL. That is not the way someone would write who is about to invest their time into the company.



Plus, you stated "it seems like a sound company with glowing reviews" ... tell us where you found these glowing reviews. I could give you about 5 other web sites with the same claims as on the Rip-off Report.
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#52 0

BBB had no complaints, ...well thats a joke! ..EDITORS NOTE:

AUTHOR: - ()

PLEASE NOTE: .. we have NO first hand knowledge about this company. We can only go by the consumers Rip-off Reports. We have no reason to believe they would ALL be lying.... In our opinion, the Rip-off Reports are true.



Your comment above you state, "you are the only reason i am holding out" ... this is a ploy to make it look like we are causing this poor excuse for a company, to not get your business so they could show damages. Sorry lady, I'll bet the house your full of it!



ALSO.. The BBB ?.. Better Business Bureau ??



Read the Rip-off Report below, then you will think twice before consulting with the BBB, or using it as a reference as a reason you are using a business.



Just click on the title below.



Better Business Bureau or Buyer Better Beware? BBB ..Nationwide Alert!.. THE FOX GUARDING THE HEN HOUSE ..Consumer Fraud
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#53 0

..with interest am looking at the anti-primerica web pages

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by maurice elgersma at maurice_elgersma@hotmail.com.



Primerica - Multi-Level Scam *REBUTTALS (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: maurice_elgersma@hotmail.com

Their name: maurice elgersma

Their relationship to the company: Supporter



Rebuttal:

I am associated with Primerica for several years already and with interest am looking at the anti-primerica web pages. Every last client that I have visited has been more than pleased with the products and services offered and are benefitting from their Financial Needs Analysis.



Seems to me the people who says they have been screwed by Primerica are 1)brainwashed by their wholelife insurance agent,2)tried Primerica but didn't have any credibility with their warm market, 3) wouldn't know what a business opportunity is if it hit them on their head.
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#54 0

Never once during my 17 years has any one ever proved wrong doing.

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by jack jackson at jacko43@uswest.net.



Primerica - Multi-Level Scam *REBUTTAL (#3826)



They filed the following rebuttal to the above Rip-Off Report:



Their email: jacko43@uswest.net

Their name: jack jackson

Their phone number: 4809211440

Their relationship to the company: Supporter



Rebuttal:

I have been associated with Primerica for over 17 years and during that time I have read a lot of garbage from people offering up their opinions concerning this fine and honorable company. Never once during my 17 years has any one ever proved wrong doing. Yet countless other insurance, banks, investment firms have went down due to the way they do business.



I guess when you are doing worthwhile others are going to talk. The comment made by the person who refered to "Primerica as a Multi Level Scam" doesn't know a scam when he sees one. This uninformed person probably stays us up at night finding problems with anything that moves.



It appears he is the problem. Thank God some like Thomas Edison paid no attention to these comments. Because for sure we would not have the electrical power to power up a computer to read the junk that appears on your web site.
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#55 0

I too have been screwed by this multi Level marketing rip-off scam.

AUTHOR: - ()

REBUTTAL to the above REBUTTAL



Could thousands of people all be wrong about this company?. There are thousands of reports, all bad about this company. You must be one of the good old boys, the right color or just go to the right church. You have your head so far up your butt, you have no idea what the heck your talking about!



I have been like many others were royally screwed by this multi Level marketing rip-off scam.



And how could have this web site have effected Thomas Edison?
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#56 0

I believe it is a bunch of agents from other insurance companies jealous of Primerica's success

AUTHOR: - ()

This email is a rebuttal to RipOff #3826.

It was sent by melissa at missyl@hutchtel.net.



They filed the following rebuttal to the above Rip-Off Report:



Their email: missyl@hutchtel.net

Their name: melissa



Their relationship to the company: Supporter



Rebuttal:

I don't believe any of the things and I have never even heard of the "bad business bureau" I believe it is a bunch of agents from other insurance companies jealous of Primerica's success!



.......EDITORS NOTE below



Why are there thousands of complaints all over the Internet?

I think the agents from other companies you speak of have better things to do.
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