• Report: #142617

Complaint Review: Primerica |Ripoff Report Verified Safe

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  • Submitted: Fri, May 13, 2005
  • Updated: Tue, February 05, 2013

  • Reported By:bronx New York
Primerica |Ripoff Report Verified Safe
560 Sylvan Street Engelwood Cliffs, New Jersey United States of America

Primerica REVIEW: Primerica offers excellent business opportunities & stands behind its products & services, feel confident & secure when doing business with Primerica, backed by Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Pasadena California
*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: Come on Primerica is awesome!! Seriously that isn't sarcasm.....ok it is

*Consumer Comment: Primerica IS a scam and it's not for everyone

*Consumer Comment: APast in Goleta and Tiffany in Aurora

*UPDATE EX-employee responds: Rebutting Tiffany (Aurora)

*UPDATE Employee: Primerica is not a scam it's just not for everyone

*UPDATE Employee: Primerica is not a scam it's just not for everyone

*UPDATE Employee: Primerica is not a scam it's just not for everyone

*Consumer Suggestion: To expand on Leroy's Comments

*Consumer Suggestion: To expand on Leroy's Comments

*Consumer Suggestion: To expand on Leroy's Comments

*Consumer Suggestion: To expand on Leroy's Comments

*Consumer Comment: Rares in AZ

*Consumer Comment: responding to Rares in Mesa.. don't go to your interview

*Consumer Comment: Primerica == Ameriprise?

*Consumer Comment: if I wanted to be an insurance salesman, I'd would inquire with the Department of Insurance on licensing requirements, not wait for someone to call me because they got my totally unrelated resume off Monster.com.

*REBUTTAL Owner of company: Ignorance is horrible. I feel sorry for you to be ignorant

*Consumer Comment: THREE TIMES the complaint frequency of Coca Cola!

*Consumer Suggestion: Nope, I was referring to I am a new agent to Primerica, working towards my license

*Consumer Comment: Hey Paul from Anaheim, Having interviewed for primerica, i noticed a number of things

*Consumer Suggestion: These primerica recruiters are almost like child pornographers. They take innocent people and use them for financial gain.

*Author of original report: I know what i saw - Primerica is more concerned with recruiting fresh meat for the purpose of exploiting it, and its ability to bring other contacts

*UPDATE Employee: Citigroup is ranked on idependent studies as being #2 in the LEAST predatory behaviour, right behind Chase Manhattan.

*UPDATE Employee: I am a new agent to Primerica, working towards my licenses.

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*UPDATE: Ripoff Report re-evaluated Primerica Financial Services and finds that the company continues to offer a business opportunity that is well worth considering. Thru our experience with Primerica, we continue to find that they maintain a high level of commitment to treating consumers fairly and in most cases they have gone way beyond the call of good customer service. Since Primerica became a member of the Corporate Advocacy Business Remediation & Customer Satisfaction Program almost 2 years ago, Rip-off Report has continued to monitor Primerica and work closely with home office executives to resolve consumer and agent inquiries and concerns. Ripoff Report is pleased to report that Primerica continues to show outstanding commitment and dedication to respond and resolve issues promptly, many times going over and above the expectations of consumers and this website. To our knowledge Primerica has responded to all legitimate inquiries we have forwarded to them, and to inquiries the company has received directly. We at Ripoff Report believe that Primerica is a solid, reliable company that stands behind their agents and its products. If you think that becoming a Primericarepresentative or buying a Primerica product is right for you, we would urge you to give the company careful consideration.
Primerica is Ripoff Report Verified

Ripoff Report Verified .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.
A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..


===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED

=====================

*UPDATE Ripoff Report REVIEW:

EDitor's Comment: 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 company's representatives provide a snapshot of a family's financial picture and suggest a strategy for financial security via Primerica's products and services www.primericafinancialsolutions.com. Primerica's 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.




Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,..A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.

===================== THE ORIGINAL REPORT THAT WAS FILED IS BELOW

===================== Primerica Financial Group MLM utopian pyramid that exists in legal loopholes. Ripoff Engelwood Cliffs New Jersey

I was at a college job fair, walking around looking who had what to offer, when a hand bearing a business card, reached out to me.. "Hi, what type of work are you looking for?" the pleasant-looking young man asked in a friendly and boisterous voice. I told him I was interested in the field of advertising, and he assured me that there was a possible position opening at Primerica Financial Services firm - one that would be closely tied into marketing. I handed the man my resume, and continued making my rounds.

About a week later, I received a call, and was scheduled to come in for an interview the following week. When the time came, I put on my suit and tie, and drove over the bridge to Jersey. Primerica's office was located in a very nice-looking glass building in the upscale neighborhood of Englewood Cliffs. Inside, I found the place to be bustling with energetic, young, and well-dressed company representatives. I was asked to sign in with my name and number, and provide the name of the person who had invited me to come. I was then directed into a room with about 15 or 20 other "recruits", and for the next hour and a half, was subjected to a ceremony of Primerica's reputable greatness, and the ease of making big bucks while running my own Regional Office and helping out poor old Middle-Americans...

The session consisted of four parts, each presented by a vibrant young company employee who commanded a hefty salary (and advertised it). All throughout, the proceedings were interspersed with sporadic, irrelevant, and nonsensical Q&A sessions, where a group of two or three "applicants" answered every question correctly. Basically, we were instructed to aspire towards Unearned Revenue, which is money that we make off of the people that we recruit and train to work under us. The best money, is the money that you don't have to work for. (The question/answer-hounds all halelluja'd.) At the end of the pep-talk, we were all asked to fill out a form with our information, three references, and two check boxes next to the phrases "I am interested in joining Primerica" and "I am interested in Primerica's services." I left both these blank, having smelled a rat a long time ago. At the same time, I noticed that the most active members of our group, these Q&A hounds, were walking around, constantly keeping their forms with both boxes checked in plane view of everybody else. (At this point I became suspicious that these people were plants, and their job was to get us to do as they did.) My recruiter looked over my second Form, and inquired as to why I hadn't checked either one of the boxes, to which I explained that I was not interested in selling, or buying financial services.

He then took me aside, and proceeded to explain, once again how the whole system works.. First you put down the $199.00, in which Primerica has no interest whatsoever... Those are only the licensing fees. Then you provide financial services to needy Middle-Americans. When asked to go into more detail as to the job description, my guy kept his answers vague, and off the point. Instead, he kept reminding me of all that "unearned income" that was just within my reach, as a direct result of going out, and recruiting other "financial advisors." At this point, he held up three fingers in the air, and explained that the only people that don't go along with this great opportunity are: 1- Those who are lazy, 2- Those who don't believe that this really works, and 3- Those who don't understand what is being offered to them on this silver platter. In other words, only the dumb losers don't see this as a great opportunity to jump on. To this, I replied "How about 4- I'm interested in pursuing other career fields?" He looked at me for a moment, buried his face in his hands, and stated the following: "I guess you and I are different people, then."

To be honest with you, I found the whole thing to be quite amusing, and signed up for a second meeting. There is no way in hell I am falling for any of their Bull Sh*t and joining their sleazy little wonder-cult of a financial goldmine. The truth is, I like a good theatre, and I want to see how far they will actually go to try and recruit somebody who expresses no interest whatsoever in joining their organization. Keep in mind, the best employee to have on board, is one who is motivated, and excited about what he does. Next time, I'll come armed with a series of finance-related questions, and position myself to be a thorn in their collective scummy derriere.

P.S. The recruiter informed about all of these trash-talking websites, and urged me not to believe a word. He said, and I quote, "There are 20,000 negative websites dealing with Primerica. Coca Cola has 80,000. Does that mean that the next time you reach for a can of coke, you'll suddenly reconsider?"

Novruzov bronx, New York
U.S.A.

Click here to read other Rip Off Reports on Primerica

This report was posted on Ripoff Report on 05/13/2005 11:11 AM and is a permanent record located here: http://www.ripoffreport.com/r/Primerica-Ripoff-Report-Verified-Safe/Engelwood-Cliffs-New-Jersey/Primerica-REVIEW-Primerica-offers-excellent-business-opportunities-stands-behind-its-pr-142617. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Consumer Comment

Come on Primerica is awesome!! Seriously that isn't sarcasm.....ok it is

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

I agree with the above statements regarding the scam from Primerica. I don't make $680,000.00 a year but I know I make more then the people who interviewed me. This company does use the pyramid techniques for recruiting. While working I was approached by two young individuals inquiring about the product I sell. They asked the normal questions and then asked me for a card. They didn't waste a lot of my time which is why I considered this company later on.



A few days later I was contacted by a person (that I found out later made $25,000.00 a year!) who said that I was recommended by a colleague. An appointment was set for a later date for an interview.



I arrived in the parking lot of the 'office' and noticed that my luxury vehicle was the nicest in sight. I saw only economy cars with the most expensive being a 2003-2004 Chevy Impala with crome rims. Very odd for people that made the money they said they were making.



During the 'interview' I was told that 90% of the people in the work force are lazy, not ambitious, and will never make any real money. At first he was making a decent point until I questioned the average starting wage and amount of time taken to open your own store. To avoid a long story I will just state that his voice started to shake and he was starting to stutter. As most educated and street smart individuals will know is a sign of lying or dishonesty.



Another thing that got to me was when he asked me how it feels to have the owners of my establishment collecting the big bucks while the grunts are doing all the work. As the introduction continues to the inner workings of Primerica he says that I will be starting out working for him and hopefully owning my own office. Isn't that what I'm already doing? Yet I make a heck of a lot more then possible at Primerica. Where are the benefits? In order to be polite I asked for some 'research' material and left.



Basically this is a scam for most of us who have decent jobs. However if your going no where and are eager to work I'm sure that this place is something to consider. Picking up trash on the side of the highway is a good job for some. Being the president of the United States is also a good job for some. The company offers hope for some people and offers a good laugh for others. My synopsis is that I think it's a waste of time.



Oh and what was really funny is that I mentioned this website ripoffreports.com during the interview and he said that Primerica was on there. By the way I didn't look this company up before I went, I just mentioned it cause I am a new viewer of the website and think it's funny (Tupper Lake, New York folks are the best part!!!!!!). I wasn't going to write until I read this entire section and laughed my $*# off. So I looked this up and here I am.



I don't give my name or location out because that's the way I am.
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#2 Consumer Comment

Primerica IS a scam and it's not for everyone

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

To Tiffany in Aurora, Colorado, Primerica is not for everyone because the majority of our population does not consist of con artists. I hear the rebuttal from many Primerica people claiming that "You may have just had a bad experience from that one office or individual" which is typical propoganda from Primerica you hear over and over again. The reason this is a smoke screen is that you hear the same exact tactics used, literally word for word, in Aurora, Colorodo, or Los Angeles, or Las Vegas, or Miami, or Tulsa, or Seattle, or Albany, or Boston, or Souix City, or Boise etc. etc. etc. If these complaints were based on isolated instances, this couldn't happen by chance. No, these rediculous and weak sales tactics are taught from the top down.



Let me share with you my own Primerica story if I may. First, let me say I was actually here looking up info on my auto dealership when I came across this thread and figured I'd hop in the fray and hopefully save some people from the clutches of this ruthless and immoral organization.



My wife was recently contacted by a recruiter for Primerica and was told that her background in management would be perfect for opening a "new branch office" in the Las Vegas area. My wife is a trainer for a local major restaraunt chain where she trains people to be General Managers of the individual stores. She was told that because she had management experience and conducted training programs she would be a perfect fit for Primerica. Now, let me preface what I'm about to tell you by saying that our combined incomes is in the high six-figure range already. More on that in a moment though.



So just out of curiosity, she decided to meet with this representative at a nearby Starbucks, which seems like the initial recruitting location of choice for the area Primerica "Regional Vice Presidents". So this "Regional VP" met with her, gave her the typical wrinkled brochure that was sitting in the back of his beat-up Honda Accord (my wife thought it odd that someone who drove such a crappy car was going to teach her how to make massive wealth). She asked the usual questions about why she was chosen in spite of the fact that she had no financial background and was never given a straight answer. She was told she needed to come to a group interview the next night to see if she would like to join the team. She came home and told me about this and it sounded like a really cheesy Network Marketing company or a pyramid scheme. I did some research and realized I was right on both counts.



I showed my wife this website and it didn't take but 30 seconds to realize it was a total scam to just recruit new members and that the product they sold was pretty much a cover for their pyramid opperation. Network marketing companies have fallen under a lot of scrutiny in past years by the Federal Trade Commission since Equinox went under so what a lot of them do is offer some sort of weak product to sell at inflated costs and then spend 99% of their time recruiting new members to get in their downline where the real money is made. Primerica is no different. This is not to say I have an axe to grind against MLMs. I don't. In fact, I actually belong to two of them. Not because I'm interested in the recruiting process, but because I happen to like the unique products they offer.



Anyway, when she didn't attend the meeting, her recuiter called her up and asked why. She then asked all the right questions like the brilliant woman that she is! She asked what her job role would be, details on the product being sold, and where their offices are located, etc. She couldn't get a straight answer on any of those. She then said that it wasn't for her and that's when the recruiter got a bit nasty with her. He said the same typical mantra about how she was never going to amount to anything in her life and how she was always going to be stuck working for someone else and was never going to make more money etc. etc. etc. Now, while my wife does work a full-time job, she doesn't have to out of necessity. She truly enjoys her work and certainly isn't doing it for the money so she laughed at the guy and hung up the phone. Here is where the real fun begins though!



Two days later, I get a call from a Primerica Recruitter. I don't know if it was the same one that was talking to my wife or not, but obviously she put my name down as one of her references on their recruitting application so I get the cold call. One thing my wife forgot to mention to me was that in her "interview" at Starbucks, she mentioned, "My husband is a seminar speaker and networks with hundreds of people every week as part of his business." She didn't think of it at the time but she certainly remembered later on that when she said this, her recruitter's eyes lit-up like spotlights. Looking back, we both came to the conclusion that he saw dollar signs thinking that I would be the perfect recruitter to get in his downline. So I get the call.



Initially, the Primerica rep was very couteous and started explaining the program etc. Playing stupid, I asked how he found me and he said that "your number came across my desk as a strong candidate for joining our organization." Obviously these guys went to the same spin-doctoring class that Clinton went to. Anyway, I played along and listened to his pitch. As I began giving him some resistence asking the same types of questions my wife did, he got very defensive, much the same way the recruitters on this site get when they read about the scam they help perpetuate. Eventually, the conversation started spiraling down for this guy and he went from defensive to downright hostile which I thought very odd because I couldn't figure out how that would benefit him or his organization in any way. He started saying how I would never be able to leave the shackles of a 9-5 job (I never said I had one...he only assumed I did. I'm my own boss and business owner), that I would never be able to make any "real" money and so on. This is when I called him on his crap. I said to him, "So, how much did YOU make last year?" and he replied with "Around $400K." I have since learned this is a common response to this question by many Primerica cronies. He then went on to berate me some more. He said, "Unfortunately, people like you will never be able to make money like that if you are so closed minded to a new opportunity!" To this I replied, "I'll tell you what, let's compare tax returns for 2005. I made $680,000 last year and you're claiming you made $400,000. I'll tell you what, the one who is farthest away from the actual figure owes the other one $10,000, how does that sound?" Then he yelled at me some more and slammed the phone down. My wife who was listening in on the call couldn't stop laughing for fifteen minutes.



The bottom line is, most of these recruiters are just network marketers who don't care less about their services, only recruiting other members. They use typical sales tactics that went out of style back in the 60's in used car dealerships all across America and then they make you feel guilty for not participating in their never-ending scam. The argument that Primerica is an ethical organization is about as strong as a Lunar wind. There are many reputable Network Marketing companies out there so I'm not saying this to bash Primerica on that merrit alone, and the challenge is that as far as network marketing companies go, they are among the worst in their business practices over any other I have ever seen.



Living the "American Dream" is a wonderful thing. This country has more to offer than any other in the world. You can chose to work for someone else and trade hours for dollars or you can go into business for yourself. Many people make money in network marketing doing it the legal and ethical way. Primerica however does not. If you want to live the American Dream, I guarantee you that Primerica is not your road to freedom.
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#3 Consumer Comment

APast in Goleta and Tiffany in Aurora

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

A Past gives us a huge breakdown on Citigroup as if it means anything to a primerica policyholder



FACT: Should primerica ever have financial difficulties Citigroup has ABSOLUTELY NO LEGAL OBLIGATION WHATSOEVER TO HONOR PRIMERICA INSURANCE CONTRACTS!!!!!! What they do would be a decision they make based only on moral and ethical grounds. Given their past history of

TWO BILLION DOLLARS in regulatory fines and class action settlements, I wouldn't hold my breath.



Tiffany says "owner is not stuck with any contract thye sell".

NONSENSE......



1. when you buy an overpriced high interest not-so-SMART loan and then wnat to change you will lose all the fees and commissions you paid for that crappy loan. I've seen estimates of $5,000-8,000 per loan. In addition, I understand there is a pre-payment penalty for paying the loan off early which very few companies still charge.



2. when you purchase a loaded mutual fund share from primerica you pay an upfront fee that never comes back to you. Primericans object to this in whole life policies but gleefully ignore it when it comes to peddling loaded mutual funds.
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#4 UPDATE EX-employee responds

Rebutting Tiffany (Aurora)

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

Tiffany, you're a nice shiller for Crimerica, but still a shiller. Remember this:



"Victim of a consumer Rip-off? Want justice? Rip-off Report is a worldwide consumer reporting Website & Publication, by consumers, for consumers, to file & document complaints about companies or individuals who ripoff consumers."



Let's see some apologies from the fat cats.
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#5 UPDATE Employee

Primerica is not a scam it's just not for everyone

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

To all of the people who did not take the time to do your research on the company, you can not blame anyone but yourself. Every Primerica office is ran by someone different, just like a franchise. No one person is the same, so you can not judge the whole Primerica opportunity by your one bad experience by one bad rep.



I can not remember who made the comment about getting your family stuck in contracts, but nothing we offer has a contract that you are stuck in. We are truly in the business of helping the middle class market.



I do apologize for any bad experiences that any of you may have had. There is tons of money to be made, and I'm getting my piece of the pie. Maybe some of you who has what it takes should reconsider and get with a honest mentor that will help you succeed. Just remember not all Primerica Reps are bad and the whole Primerica Opportunity is GREAT!
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#6 UPDATE Employee

Primerica is not a scam it's just not for everyone

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

To all of the people who did not take the time to do your research on the company, you can not blame anyone but yourself. Every Primerica office is ran by someone different, just like a franchise. No one person is the same, so you can not judge the whole Primerica opportunity by your one bad experience by one bad rep.



I can not remember who made the comment about getting your family stuck in contracts, but nothing we offer has a contract that you are stuck in. We are truly in the business of helping the middle class market.



I do apologize for any bad experiences that any of you may have had. There is tons of money to be made, and I'm getting my piece of the pie. Maybe some of you who has what it takes should reconsider and get with a honest mentor that will help you succeed. Just remember not all Primerica Reps are bad and the whole Primerica Opportunity is GREAT!
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#7 UPDATE Employee

Primerica is not a scam it's just not for everyone

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

To all of the people who did not take the time to do your research on the company, you can not blame anyone but yourself. Every Primerica office is ran by someone different, just like a franchise. No one person is the same, so you can not judge the whole Primerica opportunity by your one bad experience by one bad rep.



I can not remember who made the comment about getting your family stuck in contracts, but nothing we offer has a contract that you are stuck in. We are truly in the business of helping the middle class market.



I do apologize for any bad experiences that any of you may have had. There is tons of money to be made, and I'm getting my piece of the pie. Maybe some of you who has what it takes should reconsider and get with a honest mentor that will help you succeed. Just remember not all Primerica Reps are bad and the whole Primerica Opportunity is GREAT!
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#8 Consumer Suggestion

To expand on Leroy's Comments

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

They are the only company that gives a fna, for free....LIE



Interest rates dont matter, only time in debt....LIE



Their "smart loan" is best in almost all situations......LIE (not even half the time)



They are the only ones who wont charge PMI....LIE



You have to refinance with them to do bi-weekly payments.......LIE



You have to pay to switch to a biweekly plan....LIE



They can do what no other company can.....BIG LIE





Any who would like to debate this further, feel free to email me at



Primerica is not the same company it was years ago with good ole Hubert and Al. (anyone remember Hubert? Wonder why he still isnt here)





CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#9 Consumer Suggestion

To expand on Leroy's Comments

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

They are the only company that gives a fna, for free....LIE



Interest rates dont matter, only time in debt....LIE



Their "smart loan" is best in almost all situations......LIE (not even half the time)



They are the only ones who wont charge PMI....LIE



You have to refinance with them to do bi-weekly payments.......LIE



You have to pay to switch to a biweekly plan....LIE



They can do what no other company can.....BIG LIE





Any who would like to debate this further, feel free to email me at



Primerica is not the same company it was years ago with good ole Hubert and Al. (anyone remember Hubert? Wonder why he still isnt here)





CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#10 Consumer Suggestion

To expand on Leroy's Comments

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

They are the only company that gives a fna, for free....LIE



Interest rates dont matter, only time in debt....LIE



Their "smart loan" is best in almost all situations......LIE (not even half the time)



They are the only ones who wont charge PMI....LIE



You have to refinance with them to do bi-weekly payments.......LIE



You have to pay to switch to a biweekly plan....LIE



They can do what no other company can.....BIG LIE





Any who would like to debate this further, feel free to email me at



Primerica is not the same company it was years ago with good ole Hubert and Al. (anyone remember Hubert? Wonder why he still isnt here)





CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#11 Consumer Suggestion

To expand on Leroy's Comments

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

They are the only company that gives a fna, for free....LIE



Interest rates dont matter, only time in debt....LIE



Their "smart loan" is best in almost all situations......LIE (not even half the time)



They are the only ones who wont charge PMI....LIE



You have to refinance with them to do bi-weekly payments.......LIE



You have to pay to switch to a biweekly plan....LIE



They can do what no other company can.....BIG LIE





Any who would like to debate this further, feel free to email me at



Primerica is not the same company it was years ago with good ole Hubert and Al. (anyone remember Hubert? Wonder why he still isnt here)





CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#12 Consumer Comment

Rares in AZ

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

Primerica is an MLM just like Amway. The difference is that instead of overcharging someone 30 cents for a bar of soap they could buy at Von's, you'll be overcharging them by the 100s of dollars for life insurance and by the 10s of 1000s of dollars for lousy loans. Almost 100,000 people a year just like you waste time and money at primerica and then drop out after a few months.



What primerica won't tell you is that you can do exactly what they do elsewhere, sell lower priced and better quality products to your clients, and make 3-4 times as much for yourself at any one of a half dozen other national agencies. When they tell you they are the only ones offering this opportunity, its a lie.
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#13 Consumer Comment

responding to Rares in Mesa.. don't go to your interview

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

I was also called by an agent of Primerica about 4 years ago in Mesa. The call started with a women telling me that she was "inteviewing" for a new company starting out, seeking individuals interested in making good money. She said that someone had mentioned me to her and really thought that I would be great for this position (I was an apartment manager in Mesa at the time). I was one of the naive ones.



I attended the interview at the Primerica building in Mesa off of I60 and Alma School. It was there that I was told of this great opportunity to make a lot of money. Not having heard of Primerica before, I fell for it. After paying money for what they say are license fees and the cost of training, you will start to attend "classes". In these classes they teach you how to hook other naive souls who are looking to get rich. They actually teach you what to say to convince people in signing up. After hearing the same speech that I was given to get me to come in for my "interview" being taught to me to give to others, I finally got the picture. Unfortunately for me it had already cost me time and money that I couldn't afford in the first place.



Yes, lesson learned.



I had no intention of writing when I came across this website by accident actually, but having read some of the stories, I felt I had to bring back one of my life lessons and share it with you.



Hopefully it helps someone :)
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#14 Consumer Comment

Primerica == Ameriprise?

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

The name of the company bothered me since I've been "chased" by them from one end of the US to the other. I received a "job offer" from Ameriprise just after I had moved from CT. I told them I had moved. They asked if I was moving back anytime soon. I said no. Then I get a call from Primerica in AZ. I haven't the foggiest idea what the interview is about.



I'm debating whether to even go. I just find their choice of name for their company, well, let's just say "uninspired".
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First off, something that alot of people seem to be using to defend Primerica is the link with Citigroup, citing figures directly attributable to Citigroup.



This is from the Primerica Important Disclosure page on the Primerica.com website:



Primerica and its affiliates are subsidiaries of Citigroup Inc. Each subsidiary of Citigroup, and not Citigroup itself, is responsible for its obligations to its customers. Insurance and securities offered through Primerica Companies are not deposits. There is no bank guarantee. They are not FDIC insured. Securities may lose value.



Source:

http://www.primerica.com/public/primerica_disclosures.html



Primerica is a subsidiary of Citigroup Inc. They are responsible to obligations to its customers, and therefore are /not/ Citigroup.



Again, another statement from the Important Disclosures page:



The Primerica business opportunity involves the sale of term life insurance and other financial services products such as mutual funds, variable annuities and debt consolidation loans. Primerica representatives are independent contractors, not employees of Primerica or its parent company Citigroup.



Source: http://ww.primerica.com/public/primerica_disclosures.html



This states, quite simply, that representatives are independent contractors, not employees of Primerica or its parent company Citigroup.



What does this mean? Unless you work FOR Primerica itself, you are not an employee of Primerica. You, and you alone, are responsible for the success of your business.



It is not a wonder to me why everyone is borrowing from MLM tactics if they are suddenly handed the keys to a "business," and told how to do things.



As some people are successful in Amway, some are successful in this. As some are successful in pre-owned vehicle sales, some are successful in this.



However, a business would be remiss in informing its "potential recruits" in that they will be opening their own businesses, they will ultimately be responsible to the Federal and State Government in paying all taxes, and that they and they alone will be fiscally responsible for their operations. The only shield Primerica provides is the authority to use their company name in your operations.



For slightly more than 200 dollars, you can incorporate a business in your own state. But, alot of Primerica people might argue, you won't get the brand recongition and "alliance of support" that Primerica offers.



Personally, if I wanted to be an insurance salesman, I'd would inquire with the Department of Insurance on licensing requirements, not wait for someone to call me because they got my totally unrelated resume off Monster.com.
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#16 REBUTTAL Owner of company

Ignorance is horrible. I feel sorry for you to be ignorant

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

I'm just going to be short. When reading these reports first. Evaluate the text. How is it written? What feelings can you sense from the writer? Do you perceive the ignorance and the lack of facts that these people are stating? Did they go further into finding out the actual reports on reputable magazines. I suggest you do your research through magazines such as Forbes Magazine, Fortune, Insurance periodicals and reports. Find out about Primerica, a subsidiary of Citigroup, and find out about their other subsidiaries, such as Smith and Barney, CitiFinancial, CitiMortgage, CitiBank, etc. Big companies, world leaders do not exist through "scams" portrayed by these people. The truth is that as any other contractor opportunities, you are a business owner, you're succes is the outcome of your own effort. A real estate agent that does not produce, then could state that the Department of Real Estate in any of the states would be offering a Scam, offering a license, that does not work. The fact is a contractor you either make a leaving or not, but that depends all up to you. So don't be ignorant, do your research first, and don't reflect your lack of commitment to succes affect other people that do have it.
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#17 Consumer Comment

THREE TIMES the complaint frequency of Coca Cola!

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

Novruzov, I found the P.S. in your report amusing (20K webistes bashing Primerica, 80K bashing Coke). Here's a little ammo for that one:



How many people have purchased, worked for, or at least heard of Coca Cola? Probably a few billion; at least 250 million in the U.S.



Now, how many people have purchased Primerica products, worked for Primerica, or even heard of Primerica? Ask around. "Have you ever heard of a company called Primerica?" I would imagine that fewer than one in ten Americans, and far fewer non-americans, have even heard of Primerica, and fewer still have had any kind of interaction with the product or opportunity.



Let's say that, figuring liberally, 40 million people have ever had any kind of meaningful exposure to Primerica, and, figuring conservatively, 500 million people have consumed a Coca Cola product.



With these figures (that are estimated in FAVOR of Primerica) in mind, Coca Cola has 12 times the exposure of Primerica. But its complaint volume is only four times that of Primerica. If we are using Coca Cola's complaint level as the industrial standard, then Primerica's complaint volume is at least THREE TIMES the industrial standard.



When put in its proper context, the recruiter's effort to dissuade you from believing the complainors actually works against him. Sheer volume of complaint websites is a useless statistic played up to fool the naive.



The relevant inquiry is the frequency of complaints. What is the ratio of complaint to consumer? To employee? Are the Coca Cola websites primarily solo operations, whereas the Primerica sites are usually forums with multiple complaints?



The ratio of Coca Cola complaint frequency to Primerica complaint frequency could be MUCH higher than the 1:3 above, which is bad enough already.



The long and short of this opportunity (and those like it) is this:



"Good" employers don't have to engage in aggressive recruiting. Prospective employees will come to them. They will need to replace employees relatively infrequently because people with good jobs tend to stick around.



"Bad" employers, on the other hand, need to engage in aggressive, often deceptive, recruiting to convince people that the opportunity is better than it actually is in order to replace the massive volume of exiting employees who realize that they have been taken.



It may have been Paul, but someone previously made a great analogy: the pretty girl at the bar doesn't need to go around and tell all the guys how hot she is, they will come to her. If this opportunity is so great, why the need for heavy advertising and aggressive recruiting?



To the defenders, I can all but guaruntee you that, eventually, you will chalk this up to a learning experience. Hopefully you don't do to much damage to your life before you wise up. Come back in a year and tell us how things are going.
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#18 Consumer Suggestion

Nope, I was referring to I am a new agent to Primerica, working towards my license

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

And, I don't have a problem with him either. He just got sucked into the primerica scam because he's probably looking for a new career.



The people I object to are all at the top in the company. The CEOs. The top managers. The regional managers. And, most importantly, the people who work the phones each day.



They are the ones who start the actual scam. They cold-call strangers and run this story of big money and success.



They know it's all a lie. They know the new agent won't ever make a living with primerica.



But, they simply don't care. Each new person that joins is worth a couple of hundred bucks. Maybe more.



The recruiters will do whatever they have to in order to get that money.
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#19 Consumer Comment

Hey Paul from Anaheim, Having interviewed for primerica, i noticed a number of things

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

I hope you weren't referring to me when you said "take this person on top" I re-read my remark, and i guess it sounded alittle Pro-Primerican. I just want to say that i Agree with you.. Having interviewed for primerica, i noticed a number of things



1: There was no clear-cut job description

2: The recruitment process is designed to rule

into a job, and not out of it

3: The recruiters try to make it out as though

their's is the only real way to make money,

and anyone who doesn't go along with them is

a loser.



and

4: Each recruiter keeps bragging about how much

money they're making in "unearned profits"



This company lacks even the slightest inkling of integrity. To those of you who chose to defend primerica by citing the Citigroup connection, don't forget.. ENRON was, at one point, a very big and respectable company.
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#20 Consumer Suggestion

These primerica recruiters are almost like child pornographers. They take innocent people and use them for financial gain.

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

Take a look at this person above. He is typical of the type of person who falls for this primerica scam. Many of the victims have no background in financial services. So, they trust what the recruiter is telling them.



Every victim on this site has that same identical trait. Trust. They actually believe whatever a con artist tells them.



In a way, they are like children. Innocent. Trusting. Naive.



I don't blame the agents who get sucked into this primerica scam. Most of them actually believe that they will go out and help people. They don't understand mortgages, or life insurance. So, it's only natural that they will accept whatever primerica tells them.



Unfortunately, they will take what they have learned and use it to force bad things on their friends and family. By the time they realize exactly what primerica is, it will be too late. Some of their friends and relatives will be locked into ironclad contracts, with no way out.



How will that make the agent feel? He was used. The company only needed him to get to his friends and family. Not only did he get scammed, but he did harm to people he cares about.



Once a victim wakes up out of the ether, it can't be very pleasant. He wasted good time and money. He has no future as an insurance agent. He has been played for a fool.



Even worse, people that he cares about are stuck with high payments for many, many years to come. Payments that will cause some of them to lose the very home they have struggled so hard to buy.



What kind of monsters make a living out of doing that to others?



Can you imagine being one of these primerica recruiters? You sit on the phone all day, calling any and every number you can find. Always the same old lie.



How'd you like to make $100,000 a year working as one of our office managers?



The recruiter knows damn good and well that the victim will never make any money. He knows that after he makes a few sales to his family and friends, that will be the end.



But, the recruiter doesn't care. He makes the calls. He tells the lies. Because that's the only life he has ever known.



Like all con artists, he doesn't give a damn about the victims. Their hopes. Their dreams for a better life. Those things mean nothing to the recruiter. In fact, he is so inhuman that he doesn't even think about that anymore. His own pleasures. His own greed. That's all that matter to him.



Once he opens his mouth, the lies just flow easily and naturally. The promises of success. Money. A better life. He has done the scam long enough to almost feel the person's emotions on the other end of the phone. He knows exactly what to say to suck him into the primerica scam.



How can people live like this? To deceive others with absolutely no guilt or hesitation? What kind of person does it take to do this kind of thing day in and day out?



It's not just the money that makes a primerican do this. Hell, we all want money. I don't know anybody in America who couldn't use an extra $500.



But, normal people don't go out and hurt others like this. They get regular jobs, where they are able to produce something of value.



It takes a special kind of person to lie to people like this day in and day out. It takes a primerica person.



Don't hate the innocent salespeople who get sucked into primerica. All they want is a better life for themselves and their families. There's nothing wrong with trying to better yourself.



Instead, hate the top recruiters who run this whole scam. And, hate the CEOs of this company. They are the ones who dreamed this whole vile thing up. They show up clean and well dressed in nice suits. But, underneath, they are dirty, filthy people who will stop at nothing to satisfy their greed and lust for money. Just look at the way they come here and brag about the income they get from this scam.



And, most importantly, hate the parent company, citi. They brag about how they are the world's largest financial services company. No lie there; they are. They can buy and sell ordinary people like us.



But, look at how they got there. Cheating unsuspecting people. Lying to innocent job hunters who are only looking for an honest job to support their families.



Citi uses their lies and deception to convince people to pay thousands and thousands of extra dollars for their crooked products. That's how they got to be number one. By stealing and cheating people.



People like you!



Look in your own life. Do you have anything from citi? They have a lot of other companies under their control. They scam a lot of Americans, in one way or another.



Now, ask yourself, do you want this company in your life? In your family's life?



You see, anybody with a child needs to think about the world their children will inherit.



Then, you have to ask yourself, is this the kind of company I want out there in the world? Your children will grow up someday and need things of their own.



Do you want primerica or citi out there? Lurking? Just waiting to cheat them? To lie to them? To use them for whatever need they happen to have at the moment? To take their money, and then toss them aside like rubbish?



Nobody would wish one of these citiscams on their worst enemy. Much less an innocent young adult who knows nothing about fraud or corporate greed.



There are enough predators out there who prey upon the weak, the helpless, the innocent. The children. Hardly a week goes by without some news story of an innocent person or child being victimized. Or even worse, being slaughtered and discarded like garbage.



It takes a special kind of person to do something like that. Someone without conscience. Without the slightest bit of concern or remorse for the misery they create.



It takes a primerica person. Or a citiscammer.



You have to ask yourself. Is the kind of company I want loose in the world? Is this the kind of company I want my children to have to deal with when they grow up?



I think you already know the answer to that.
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#21 Author of original report

I know what i saw - Primerica is more concerned with recruiting fresh meat for the purpose of exploiting it, and its ability to bring other contacts

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

Hey, when somebody's that interesed in having you join their company, even after you have continuously showed disintrested... which is something that should start putting up red flags for the potential employers, has got to have a reason to really want me to join. I'm not saying that the company doesn't offer any of these financial services, it does. But just the same way that companies like quixtar offer you legitemate business opportunities, Primerica is more concerned with recruiting fresh meat for the purpose of exploiting it, and its ability to bring other contacts. It is a fact that 90% of the time, the financial services are offered to those whom the recruit lists in their references sections.



I, for one, know that if I was a recruiter for a respectable company, and was faced with a potential recruit, who specifically spelles out to me that he is not interested in pursuing that particular carreer path, and joining that particular company, i would stay the hell away. Hiring people like that would only lead to an unmotivated, unskilled workforce. How dare he try to convince me that i should simply throw away everything that i had worked for over these last four years, give up my dreams and aspirations, just so he can have some "unearned profit" come his way. HOW DARE HE put up his hand to me, and tell me straight to my face that if i don't come aboard i'm either Stupid, a mere Skeptic, or just plain Lazy. READ MY LIPS PEOPLE.. I Don't See A Future For Myself In Financial Services. I Do Not Wish To Spend The Rest Of My Professional Carreer Working For A Measly Comission, While Trying To Recruit Anybody I Can Get My Hands On! It's an MLM. It walks and talks like an MLM. There are four dudes on top that make a sweet buck. Then there are a few under them, and even a few under them. The rest, if they go out and see clients, and make a living, that's great. I gotta say, based on what i know, based on what i've researched.. Unless you're really good at selling people bullshit, don't quit your day job.
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#22 UPDATE Employee

Citigroup is ranked on idependent studies as being #2 in the LEAST predatory behaviour, right behind Chase Manhattan.

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

I really am having a hard time understanding the ignorance of some of you folks. This is the company structure, found at the corporate web site for Citigroup as of today- below. Also, Citigroup is ranked on idependent studies as being #2 in the LEAST predatory behaviour, right behind Chase Manhattan. Please seek for understanding before you start writing and talking....





How Citigroup is Organized



Citigroup's Brands



Citigroup's Nine Product Lines



Citigroup's Six Regions



About Citigroup









Citigroup is largely organized into four groups: Citigroup Global Consumer Group, Citigroup Corporate and Investment Banking, Citigroup Global Investment Management, and Global Wealth Management. Citigroup Alternative Investments, a business that delivers a broad offering of alternative investments, including hedge funds, credit structures, private equity, real estate, and other private placement and special investment opportunities, is distinct from the other businesses and managed through the Corporate Center.



Below are brief descriptions of many of the most significant business activities found within each group.

-----------------------------



Citigroup Global Consumer Group

The Citigroup Global Consumer Group businesses comprise the financial service sector's most diverse consumer product offerings, including banking services, credit cards, loans and insurance. Our businesses also offer industry-leading technology, a strong worldwide presence and a powerful global franchise in Citibank.

North America Cards

With over 120 million accounts, our North America Cards franchise offers credit and charge cards such as MasterCard, VISA, and private label.



International Cards

Our International Cards operation offers an array of Cards products to 20.9 million accounts in 42 countries outside of North America.



Retail Banking North America

Retail Banking North America includes branch banking, commercial banking, commercial real estate, commercial financing and leasing, mortgages, student loans and the Primerica Financial Services distribution channel.

Citibanking North America

Commercial Markets/Commercial Real Estate

CitiCapital

CitiMortgage and My Home Equity

The Student Loan Corporation

Primerica Financial Services

Banamex



Retail Banking International

Citibank offers a wide spectrum of market-leading financial products and services, tailored to meet the needs of local customers, in over 50 countries around the world.



Consumer Finance North America

Consumer finance and community-based lending services across North America, operating 2,200 branches in the United States, Canada, Mexico and Puerto Rico under the CitiFinancial and Credito Familiar brands.

CitiFinancial

CitiFinancial Canada



Consumer Finance International

Consumer finance and community-based lending services in 19 countries outside North America, operating under a number of brands around the world.





Women & Co.

Women and Company was created to address the unique financial needs of women. It offers personal attention and special savings on products and services suited to meet women's needs.



Corporate and Investment Banking

Our Corporate and Investment Banking (CIB) group achieves the extraordinary for our clients around the world. No financial institution is more committed to understanding and advancing the goals of its clients our diverse and talented staff in approximately 100 countries advise companies, governments, and institutional investors on the best way to realize their strategic objectives. We create solutions for and provide the broadest possible capital and market access to thousands of issuer and investor clients, and no institution better executes the increasingly complex payment and cash management solutions required in today's global economy.

Global Banking

Global Banking provides comprehensive, tailored and unique solutions to top corporations, financial institutions and governments worldwide, offering strategic and financial advisory services including acquisitions, mergers, divestitures, financial restructurings, loans, foreign exchange, cash management, and structuring, underwriting and distributing equity, debt, and derivative securities.





Global Markets

Global Markets provides world-class global capabilities for corporate, institutional and retail investors through our dominant equity and debt sales and trading platforms, industry-leading research, top-tier institutional distribution capabilities, and access to the second-largest retail brokerage network in the U.S. We are a global leader in underwriting, structuring, and sales and trading across all asset classes, including equities, corporate bonds, government and agency bonds, asset-backed and mortgage-backed securities, syndicated loans, structured and futures products.





Global Transaction Services

Global Transaction Services provides cash management, treasury, trade finance, custody, clearing, depository receipt, agency trust services, and fund services to financial institutions, corporations, and governments that have assets and business in multiple countries and require integrated reporting and management.

Citigroup Global Investment Management

Citigroup Asset Management provides investment management and related services to a broad spectrum of clients around the world, from beginning investors to wealthy individuals to large institutions, both public and private. It boasts one of the most impressive research teams on Wall Street and some of the most well-known brands in money management - Smith Barney, Salomon Brothers, and Citibank. Global Retirement Services provides for the retirement and pension needs of clients around the world.

Citigroup Asset Management

Mutual funds, managed accounts, and private and institutional portfolios catering to the needs of every class of investor.





Global Retirement Services

Defined-benefit, defined-contribution and health and welfare services to large and small businesses and organizations worldwide.





Travelers Life and Annuity

Specializes in life insurance and individual and group annuity products that address the asset protection, retirement planning and estate preservation needs of our customers.

Global Wealth Management

The Global Wealth Management division at Citigroup comprises three of the most respected brands in wealth management: The Citigroup Private Bank, Smith Barney and Smith Barney Global Equity Research. Global Wealth Management is a top-tier global wealth manager providing some of the best institutional capabilities available today. Serving both private and institutional clients, Global Wealth Management taps the strength and resources of Citigroup to maximize value and service.

The Citigroup Private Bank

The Citigroup Private Bank, one of the largest private banking businesses in the world, provides personalized wealth management services for clients through its nearly 470 private bankers and 230 product specialists in more than 30 countries. The Citigroup Private Bank offers unmatched global reach, coupled with a broad range of portfolio management and investment advisory services from Citigroup Asset Management, an array of structured lending and banking services, as well as expertise from the Global Corporate and Investment Bank. Citigroup Private Bankers act as trusted advisors, designing and coordinating insightful solutions for individual client needs, with an emphasis on personalized, confidential service.





Smith Barney Private Client Group

Smith Barney Private Client Group is the global private wealth management unit of Citigroup. It is a leading provider of comprehensive financial planning and advisory services to high net worth investors, institutions, corporations and private businesses, governments and foundations. With approximately 12,100 financial consultants in some 500 offices, Smith Barney offers a full suite of investment services, including asset allocation, private investments and lending services, hedge funds, cash and portfolio management, as well as retirement, education and estate planning. A division of Citigroup Global Markets Inc., the firm currently has more than 7.7 million client accounts, representing over $1.2 trillion in client assets.





Smith Barney Global Equity Research

Smith Barney Global Equity Research is a highly respected research unit and is comprised of more than 300 research analysts in over 20 locations around the world. Global Equity Research covers more than 2,600 companies, representing 90 percent of the market capitalization of the major global indices, and provides macro and quantitative analysis of global markets and sector trends. Combined with Citigroup's exceptional sales and trading capabilities and Smith Barney's financial consultants, the core focus of the group is to help investing clients make informed decisions by providing value-added, independent, insightful analysis.



http://www.citigroup.com/citigroup/business/index.htm Terms, conditions, caveats, and small print

Copyright 1998 - 2005 Citicorp



This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
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#23 UPDATE Employee

I am a new agent to Primerica, working towards my licenses.

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

Hello,



I don't know exactly how to respond to the outrageous stuff I see here. I am a new agent to Primerica, working towards my licenses. I have attended the classes which were all held by a licensed state instructor.



I have gone to the meetings. Our Sat. training session each week I see big checks going to many people, not just the presenters. This are all made by Citigroup which is the parent company of Primerica. They are one of the largest financial companies in the world.



I yet have to be paid, and am waiting to take my state license test. I have a degree from a UC. I am not easy to sway. I have deeply looked into things, and still do each day.



If after I am licensed I find this to be real-

Then I feel very sorry for those of you who do not look deeper.



We are at finish: licensed loan, insurance, and securities agents who really do help the middle and low income people to not be run over by corporate america anymore.
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