• Report: #24387

Complaint Review: Primerica

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  • Submitted: Thu, July 11, 2002
  • Updated: Tue, May 11, 2004

  • Reported By:vancouver wa
Primerica
123 NE 3rd Street Suite 325 Portland, Oregon U.S.A.

Primerica ripped me off a lot of money and SCAMMED ME BEWARE! Portland Oregon
*UPDATE: Primerica gets a POSITIVE rating from Rip-off Report in customer support & satisfaction. Primerica pledges to resolve complaints from the past, present and in the future, and give 100% commitment to customer service-say Company Executives!!

*Consumer Comment: Life's a beach

*Consumer Suggestion: Worst Case Scenario

*Consumer Comment: They call you and say that someone referred you as a good candidate for management material. BUT they neglect to say who.

*Consumer Comment: Primerica is not a scam..

*Consumer Suggestion: Interesting

*Consumer Comment: So glad that I checked this site!!!

*Consumer Comment: I guess the proof will be in the puding..

*Consumer Comment: I guess the proof will be in the puding..

*Consumer Comment: I guess the proof will be in the puding..

*Consumer Comment: I guess the proof will be in the puding..

*Consumer Suggestion: MONEY MAKES A BUSINESS GO ROUND (FYI) A NEUTRAL POINT OF VIEW

*Consumer Comment: To Robert from Toronto ..Owners of reputable companies know that they are liable for the mistakes of their employees.

*Consumer Suggestion: poor, sad little rick from taylors falls

*UPDATE EX-employee responds: over priced ..I just could no longer sell a product I didn't believe in and ripoff my friends and family

*UPDATE EX-employee responds: New Suckers Sought Daily

*Consumer Comment: Mortgage Mess

*UPDATE Employee: New Hire & Not Ripped Off

*Consumer Comment: Get spell check

*Consumer Suggestion: VICTIM MENTALITY?????

*Consumer Comment: Victim mentality, blame, and bitterness will never work to your personal benefit, or anyone elses.

*Consumer Suggestion: Marvin, you just don't get it do you? or do you?

*Consumer Suggestion: What goes around comes around

*Consumer Suggestion: What goes around comes around

*UPDATE Employee: Truth ...more like more drivel below!

*Consumer Comment: Billy don't know Jack

*Consumer Comment: These peolpe are morons!

*Consumer Comment: not really

*REBUTTAL Owner of company: Beginning to Question!!!

*Consumer Suggestion: If Primerica is so great why do they have to deceive.

*Consumer Suggestion: If Primerica is so great why do they have to deceive.

*Consumer Suggestion: If Primerica is so great why do they have to deceive.

*REBUTTAL Owner of company: QUESTIONS

*REBUTTAL Owner of company: QUESTIONS

*REBUTTAL Owner of company: QUESTIONS

*REBUTTAL Owner of company: QUESTIONS

*Consumer Suggestion: primerica is a godsend

*Consumer Suggestion: Don't be a KOOK - Get the facts!!!

*UPDATE EX-employee responds: To BC Portland Oregon

*Consumer Suggestion: Contact Donna Guilmette for a Full Refund

*Consumer Comment: to the Editor: I agree with you

*Consumer Comment: NOT AS BAD as they seem - a neutral view on Primerica

*Consumer Comment: Primerica - Shame Shame Shame

*UPDATE EX-employee responds: Regena you are incorrect!

*UPDATE Employee: Primerica refunded ALL of your money, as requested.

*UPDATE EX-employee responds: finally got my money back after about 50 phone calls

*UPDATE EX-employee responds: John8 is a joke ..How can one expect to succeed at a business that is a scam.

*Consumer Comment: Huh?...safe sex?....oh wow!

*UPDATE EX-employee responds: I'm a former employee; Hay, didn't that last rebuttal appear several times elsewhere word for word?

*UPDATE Employee: Ignorance

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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 want to let everyone know how I was ripped off by Primerica. I was approched by a PFS rep who knocked at my door telling me that his company was looking to open up 10-12 offices in my area and was looking to hire sharp people. He invited me to a special meeting (not at regular office)that night to hear more about the company. I was a little skeptic but I went. I called him the next morning for more information(I was not able to find him that night), they (husband and wife) asked me what my hopes & dreams were and then played on them to get me to sign up and just had to come and meet my husband, needless to say they suckered him too. They knew we lived check to check but did not bat an eye about taking my money knowing I would have to put off some bills in order to pay them. They told me that I was with the top office in the northwest, and I would make my money back by the scholarship program. They also told me I would be making $1000 - $1500 a month part time. They told me that there are training meetings every Tuesday night and Saturdays and that I need to plug in every week. At my first Tuesday I realized that it was not training but more of an opportunity meeting but I went to Saturday and that was more of pumping you up to get you started by contacting my warm market to train and then told me I would not make any money until I had my license. They wanted me to be fully trained before taking the insurance class. (you can not get licenses w/o class) I was getting nervous about the whole company so I called my leaders and wanted to back out but they told me that I will be awesome at that business and to hang in there, and that I was with the best office and they would help me succeed. I hung in for a little longer asking a lot of questions along the way. The more questions I asked the more perturbed they got (maybe they were hiding something). After a meeting on Saturday(about 5 weeks later), the RVP told the office there was a retreat in CA and there would be all the top money makers in the company and if you were serious about the business and wanted to succeed you needed to go even if you had to put it on a credit card or take a loan (at the cost of 520 per couple). I called my leaders and told them we would be unable to go to CA becuase of the money and expressed that I have not mad any money in the business and everytime I turned around it was costing me money (additional $70 for the licenses exam and $49 for fingerprinting not to mention the $4 for super Saturdays). She told me if I wanted to be a "WINNER" I would find a way to make it to CA, and all of the meetings. I told her that was impossible and starting questing more deceptive practices that I felt were happening in the office and she suddenly needed to get off the phone and I have not heard from her since. Anyways to sum it up I am out 398.00 (myself and hubby). The scholarship program what a joke, they told me do 6 FNA's and you get 200 back, but what they forgot to tell me was they decided what was considered a qualifying appt to apply towards the 6 FNA's. The rules kept changing. I called the head office in Georgia and found out I can get a refund on my husband ($159) because he never started the insurance class and it was within 60 days, but I was not entitled to a refund because I took the insurance class. I feel that the people at Primerica will play on your emotions to get you signed up, but as soon as you start questioning their practices they will no longer help you and they will make you feel unwelcome. I would advise everyone who has been approched by a PFS's rep or considering Primerica to run away. Joy Vancouver, Washington

This report was posted on Ripoff Report on 07/11/2002 01:35 AM and is a permanent record located here: http://www.ripoffreport.com/r/Primerica/Portland-Oregon/Primerica-ripped-me-off-a-lot-of-money-and-SCAMMED-ME-BEWARE-Portland-Oregon-UPDATE-Pri-24387. 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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#1 Consumer Comment

Life's a beach

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

Really, some days it's cold and wet, other days its sunny and warm and everyone is smiling.



Yes, every business has some bad apples.



Yes, as working class Americans we get ripped by everybody in the book but the fact is we have choices. In fact, our life is defined by the choices we make.



Yes, many of you got ripped off because you are lazy and looking for a get rich quick scheme - shame on you.



Others got ripped off by someone who is an unethical crook - shame on them.



Still others are the victim of bureaucracy. Learn how to deal with it. By that I don't mean get over it, I mean learn how to find the person who can resolve your problem and go directly to them. Crying to the guy ripping you off or some secretary is just a plain waste of time.



Primerica is based on sound financial principles. By term insurance, pay off your debt, and invest in mutual funds so that by the time the term insurance runs out you have a nest egg to take care of you and your family. True, this only works for people who have the self-discipline to stay with the plan.



Speaking of self-discipline, being a self-employed company rep also requires a lot of self-discipline. Since it is true that Corporate America is leaning more this way (to save money on employee benefits) now is as good a time as any to get started. Whether you learn it on your own or with the help of Primerica or some other MLM, you would be wise to get started.



I should sign off but I just can leave with out adding my two cents on the "Pyramid" scheme idea. For 30 years I worked for a major University. We had a President, a number of Vice-presidents, a greater number of department heads, and on and on down to peons like me. (If you draw that out you'll find it looks a lot like a triangle.) I was fortunate, while this major state university went through three different rounds or lay offs while I was there I never lost my job. However, on the other hand, I only got a raise when someone else said so, I only got promoted when my boss happened to like me, and I had no chance of ever hiring my own team to work under me or to become my own Vice-president. The real pyramid scheme is corporate America and the people who are brain washed are the ones that think Corporate America cares one little bit about them or their dreams. Think about that statement the next time you call tech support and get someone in India.
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#2 Consumer Suggestion

Worst Case Scenario

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

This hopefully will help any who might see Joys comments and want to think twice about joining Primerica. Everybody will have different opinions, and it is not fair to base a life decision off of what anyone on these boards say. My recomendation is take the worst case scenario and go with it.



I started with the company back in 1999, and was very sceptical about a lot of the practices that I didn't understand. So I submitted and application with the $199 and thought, worst case I can go on 6 training appointments and if I don't want to do this I'll make $1 in reimbursement(since they give you back $200 after 6 qualified appointments.) Well so my 6 appointments took me 6 months since I worked around my full time job. But after that time frame, not only had I recieved $200 back, but I also had closed 2 SMART loans for a total commission of about $1200. I thought wow this will be great part time to help me catch up on bills. So after 3 1/2 years of part time only making $10-$15k a year (mind you I didn't see that many people and it took way less time than say a part time 20 hour a week job), I got laid off of my work. So I considered doing Primerica full time. So this last year I buckled up and asked my upline to teach me what I needed to do to go full time. So far I had made all this money on my own efforts-key thing since I couldn't make more than $9 in Quixtar on my own. So now I am learning to build a successfull business. I have made in the past few months now that I am licensed average of $4000 a month- which is more than I ever made at any of my jobs, Yes even the one that paid $15 an hour. I am now on track for a company trip for me and my wife free of charge. And I'm not looking back.



I feel empathy for Joy since she didn't stick with it. Maybe it wasn't for her, but her personal developement will now be hindered. I know the group over in Vancouver/Portland region. Ryan and Summer Silva are dominating that area and are currently clearing $30k-$40k A MONTH and they are still a very young couple. They could have trained you if you were willing to become successfull like they have done with so many of their reps. And their income is no secret. It can be viewed online on the ladder of leadership and it is accurate to the T.



So take a look at the potential of where you could go and at least try it yourself and see if it's for you. Worst Case.... it's not, you learned that it's not, you now have some common sense on how money works, and you make $1 plus any commisions.



Good Luck
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#3 Consumer Comment

They call you and say that someone referred you as a good candidate for management material. BUT they neglect to say who.

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

I was contacted by someone for a PFS job.



At first it seems very flattering. They call you and say that someone referred you as a good candidate for management material. BUT they neglect to say who.



When I called back, I was given a name of someone that submitted my name but it's not a name of anyone that knows me.



So being the net junky I am, I started to surf these people out and found this site.



While there might be honest, hard working people involved with this outfit, I don't get warm fuzzies about them.



Thanks for keeping this information here for unsuspecting people who need to know.
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#4 Consumer Comment

Primerica is not a scam..

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

I joined Primerica last year, paid the $199 and I in fact got $200 back after doing so many appointments with my RVP. I attended and finished all the classes. I did not get my license because of certain personal circumstances that were going on at that time. I will tell you that not only did I get my $200 back from my RVP; the state of Oregon gave me a check for $159.00 just the other week. I have no idea why, maybe because I didn't take the test.(?)



Primerica is not a scam. It is a great company for people who are good at selling. I am proof that you do get your money back by working with them and in my personal case extra $159.00 from the state of Oregon for nothing. I didn't lose a thing.



I do have a friend who is working for another popular insurance company. She had to get her insurance license. The only difference is she had to pay over $500 out of her pocket. I wish I would have known what she was doing. I could have told her about the Primerica opportunity.



Anyhow, who knows, maybe I will join again later and this time succeed at it. Then I can come back and tell all you skeptics how successful I am..lol. ;)
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#5 Consumer Suggestion

Interesting

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

I have grabbed my popcorn and in my reclyner. This is much better then any movie ever made!!



It is so much fun reading these post. You can tell who was put here to post and the real complainees.



Everyone just make sure you do your homework on everything in life. It make you very wise.
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#6 Consumer Comment

So glad that I checked this site!!!

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

I had never heard of Primerica until this afternoon. I was on my lunch break visiting a local drug store, browsing magazines. I notice two women following me onto the same isle. The store was otherwise empty. One woman begins thumbing through greeting cards behind me while the other plants herself firmly next to me. I pardon myself, thinking that she is attempting to grab a magazine in front of myself, step a little to the side to give her (and myself) some additional room. She begins grabbing at the same magazines that I have just put down. She asks me if I cut hair; I was looking at hairstyle magazines for a new haircut for pete's sake! I tell her no and make no further attempt at conversation. She goes on trying to make idle conversation about new hair trends. She asks me if I work outside the home. I pointed out to her that I was infact wearing scrubs - yes, I work outside the home, secretary in an OB/GYN office. She begins telling me about this great opportunity that had come her way - Primerica. Apparently she decided to approach me because of my warm, inviting smile. Funny, I had done my very best to remain invisible wanting to run in and run out of the store. She wants to tell me all about Primerica wanting to set up office in Longview, WA. She'd like me to agree to come to a meeting. By this time the second woman, remember the one looking at greeting cards, is now standing by her partners side adding high points to the conversation. It didn't take me long to feel as though I have fallen victim to a BAD pick-up line! Stalked may be a better term. I begin feeling uncomfortable and pressed for time. I start making OBVIOUS glances at my watch, trying to find a quick end to the conversation. I ask for a card so I can do some research on my own, promising to call her if indeed I become interested. Well, Sue Stephenson and Nora Lopez, thanks but no thanks! I am so glad that I checked!!!
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#7 Consumer Comment

I guess the proof will be in the puding..

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

My Wife is getting a little upset at me for reading all of this, but I must admit it's pretty interesting.



I'm trying to reserch this company from the perspective of a possible employee and from the perspective of a possible customer.



After many hours of reading I'm leaning on the side of this is not a good company to work for or to do business with.



But if you are wise you know not to believe every thing you read, so I've come to only one conclusion, this conclusion should answer the question that everybody seems to be looking for.



Is Primerica a good Company to work for?

Is Primerica a good Company to do business with?



The answer may be different for me than it is for you. But for me, if I'm going to work for a financial service company that is suspose to be helping people, I'm going to research exactly what thier product is and how much they sell if for. I guess the only way to do this is set up an FNA appointment, because the Primerica Website does not have alot of info on thier product, or thier prices. To me, this is the first clue that they are overpriced. Buy hey I could be wrong. So I went ahead and set up an appointment with a guy from my work, who has been bugging me the past two weeks, about this opportuninty of a lifetime. I told him I would not attend the pep ralley because they focus on recruiting agents not on product and pricing.



If this company can win my business as a customer, then I may consider going to work for them. But believe me, I have done my home work on term life insurance and mortgage rates. If they are over priced I will know, and if they throw things at me I know nothing about I will do more research.



How could I possibly sell a product and represent my self as somebody who helps people save money, if I wouldn't even buy the product my self?



So my friends I guess the proof will be in the puding.



My meeting is Sunday Oct 12th at 6:00 pm, I will be happy to share my findings with thoes who are interested in the truth.
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#8 Consumer Comment

I guess the proof will be in the puding..

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

My Wife is getting a little upset at me for reading all of this, but I must admit it's pretty interesting.



I'm trying to reserch this company from the perspective of a possible employee and from the perspective of a possible customer.



After many hours of reading I'm leaning on the side of this is not a good company to work for or to do business with.



But if you are wise you know not to believe every thing you read, so I've come to only one conclusion, this conclusion should answer the question that everybody seems to be looking for.



Is Primerica a good Company to work for?

Is Primerica a good Company to do business with?



The answer may be different for me than it is for you. But for me, if I'm going to work for a financial service company that is suspose to be helping people, I'm going to research exactly what thier product is and how much they sell if for. I guess the only way to do this is set up an FNA appointment, because the Primerica Website does not have alot of info on thier product, or thier prices. To me, this is the first clue that they are overpriced. Buy hey I could be wrong. So I went ahead and set up an appointment with a guy from my work, who has been bugging me the past two weeks, about this opportuninty of a lifetime. I told him I would not attend the pep ralley because they focus on recruiting agents not on product and pricing.



If this company can win my business as a customer, then I may consider going to work for them. But believe me, I have done my home work on term life insurance and mortgage rates. If they are over priced I will know, and if they throw things at me I know nothing about I will do more research.



How could I possibly sell a product and represent my self as somebody who helps people save money, if I wouldn't even buy the product my self?



So my friends I guess the proof will be in the puding.



My meeting is Sunday Oct 12th at 6:00 pm, I will be happy to share my findings with thoes who are interested in the truth.
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#9 Consumer Comment

I guess the proof will be in the puding..

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

My Wife is getting a little upset at me for reading all of this, but I must admit it's pretty interesting.



I'm trying to reserch this company from the perspective of a possible employee and from the perspective of a possible customer.



After many hours of reading I'm leaning on the side of this is not a good company to work for or to do business with.



But if you are wise you know not to believe every thing you read, so I've come to only one conclusion, this conclusion should answer the question that everybody seems to be looking for.



Is Primerica a good Company to work for?

Is Primerica a good Company to do business with?



The answer may be different for me than it is for you. But for me, if I'm going to work for a financial service company that is suspose to be helping people, I'm going to research exactly what thier product is and how much they sell if for. I guess the only way to do this is set up an FNA appointment, because the Primerica Website does not have alot of info on thier product, or thier prices. To me, this is the first clue that they are overpriced. Buy hey I could be wrong. So I went ahead and set up an appointment with a guy from my work, who has been bugging me the past two weeks, about this opportuninty of a lifetime. I told him I would not attend the pep ralley because they focus on recruiting agents not on product and pricing.



If this company can win my business as a customer, then I may consider going to work for them. But believe me, I have done my home work on term life insurance and mortgage rates. If they are over priced I will know, and if they throw things at me I know nothing about I will do more research.



How could I possibly sell a product and represent my self as somebody who helps people save money, if I wouldn't even buy the product my self?



So my friends I guess the proof will be in the puding.



My meeting is Sunday Oct 12th at 6:00 pm, I will be happy to share my findings with thoes who are interested in the truth.
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#10 Consumer Comment

I guess the proof will be in the puding..

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

My Wife is getting a little upset at me for reading all of this, but I must admit it's pretty interesting.



I'm trying to reserch this company from the perspective of a possible employee and from the perspective of a possible customer.



After many hours of reading I'm leaning on the side of this is not a good company to work for or to do business with.



But if you are wise you know not to believe every thing you read, so I've come to only one conclusion, this conclusion should answer the question that everybody seems to be looking for.



Is Primerica a good Company to work for?

Is Primerica a good Company to do business with?



The answer may be different for me than it is for you. But for me, if I'm going to work for a financial service company that is suspose to be helping people, I'm going to research exactly what thier product is and how much they sell if for. I guess the only way to do this is set up an FNA appointment, because the Primerica Website does not have alot of info on thier product, or thier prices. To me, this is the first clue that they are overpriced. Buy hey I could be wrong. So I went ahead and set up an appointment with a guy from my work, who has been bugging me the past two weeks, about this opportuninty of a lifetime. I told him I would not attend the pep ralley because they focus on recruiting agents not on product and pricing.



If this company can win my business as a customer, then I may consider going to work for them. But believe me, I have done my home work on term life insurance and mortgage rates. If they are over priced I will know, and if they throw things at me I know nothing about I will do more research.



How could I possibly sell a product and represent my self as somebody who helps people save money, if I wouldn't even buy the product my self?



So my friends I guess the proof will be in the puding.



My meeting is Sunday Oct 12th at 6:00 pm, I will be happy to share my findings with thoes who are interested in the truth.
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#11 Consumer Suggestion

MONEY MAKES A BUSINESS GO ROUND (FYI) A NEUTRAL POINT OF VIEW

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

This is a reply to all of the above; Ex-employees, employees, victims, and successful examples.



In corporate america unfortunately ethics and commensense aren't taken into consideration. You have firms and corporations firing, laying, and letting go of 5yr+, 10yr+, 20yr+ employees to cut there overhead cost just to hire someone younger with less experience to pay less.NOT FAIR!!!! I know because I've made these decisions before. You have companies that hire people giving the false pretention that they have the ability to move up to advance, joke, if so maybe 5 or 6 years from now. NOT FAIR



There is a famous qoute that fits corporate america to the bone " whats true is not always fair, and whats fair is not always true..."



Now for those that can't seem to see that corporate america is built on a pyramid:

1:CEO(makes all the money off of your minimum wage)

2:upper admins job relies on your production

3:supervisors baby sit you for 2 or 3 dollars more than what you get paid

4:you at minimum wage or in Oregon no more the $9

__________________________________________

short summary of the typical corporate america pyramid

__________________________________________

I agree with the previous post that the company can't filter independant contractors. Yes, unfortunately Primericas reputation as been severely tarnashed by ignorant scam artist that have taken advantage of alot of people. But one thing you, myself, and the next person can not disagree with is that the oppurtunity to succeed and be financially independant through there Independent Business Associate(IBA) regardless of what the name is it boils down to Private Franchising.

__________________________________________

If you look it up, every Fortune 500, Super 500 company in america and smaller is trying to find some way that they can implement this new marketing and employment tool into there establishment. 1)it cuts overhead to employee the person because legally you become and independant contractor, no longer companies responsibility. The list goes on but #1 is strong enough to win any case if you have any idea of the purpose to have a business and thats to make money. The more you employe the less Profit the company makes. Put 2 and 2 together.

__________________________________________

For those that just can't let the scares of being burned by a bad group of Primerica affiliates. Move on, stop wasting your time. If you bash the whole idea and company maybe, no i apologize not maybe, but you are what large firms are made of. MEDIOCRE WORKING CLASS AMERICAN THAT CAN'T SEE PAST A 40 TO 50 HOUR WORK WEEK WERE YOU DON'T GET RECOGNIZED OR PROMOTED FOR YOU HARD EARNED WORK THAT THE COMPANY IS BUILT UPON WITH A GLASS CEILING OF $17 AN HOUR NEVER TO REALLY SEE THAT IN NET PAY BECAUSE THE GOV. RAPES MIDDLE CLASS AMERICA IN TAXES. I say this because i was there and still am. The only difference is i'm not MEDIOCRE and i will be finding the Private Franchising opportunity that best fits me. SO I CAN TRUELLY THEN CONTROLL MY FINANCIAL DESTINY!!!

____________________________________________

So, a lesson, Joy maybe this well obviously this was truely not for you. But do you research and find the MLM that is. Because sooner or later that what the work force will soon be in most fields of work. Example: Construction 20, 30, or 40 years ago was widely recognized in corporate settings. Now you rarely see that, every one is an Independant Contractor that bid on projects to get work. The IT Field is headed in the direction and the list goes on. SO YES Joy BASH the unethical people that misuse this brilliant tool of marketing, that not only Primerica is utilizing, but don't slander the practice or the establishment of Primerica because the actual service they offer truelly does help thousands of families and the percentage of people that do succeed as an IBA or PFS do build the income to feed their families.



THank you for your time:)



PS:

What really is $200????????????

its a gamble.....

whats life with out taking a risk.....
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#12 Consumer Comment

To Robert from Toronto ..Owners of reputable companies know that they are liable for the mistakes of their employees.

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

Owners of reputable companies know that they are liable for the mistakes of their employees. That's why they screen their applicants and buy insurance. Primerica doesn't appear to be doing this, based on the numerous Ripoff Reports I've read about them.



To propose that Rick should overlook the bad and concentrate on the good is irresponsible. I'm sure there are good people working for Primerica, but if the company isn't able or willing to deal with those who are making false promises and deceiving the people they recruit, then they deserve their bad reputation. Blame the people, not the company? How about this - if people were being misled in YOUR name, whether they technically worked for you or not, would you tolerate it? Not if you could defend yourself. Or so one would hope.



Personally, I wouldn't work for anyone who approached me with a wonderful job opportunity, then told me I'd have to pay to get in. Any employer worth my consideration would have to be able to provide background information without requiring me to attend a class or meeting, then provide the necessary training for free.
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#13 Consumer Suggestion

poor, sad little rick from taylors falls

AUTHOR: Robert - (Canada)

Rick, in all seriousness, you sound like an angry, bitter young man.I was approached by a Primerica rep about a week ago so I am now in the process of doing my homework about the company. I came across this website and found it quite informative from both sides.Just by seeing how many times your name appears as a rebuttal leads me to believe you're unemployed or just have a lot of free times on your hands. Anyway, you are continually revealing how little you about business in general and how any large organization must operate. RICK,WE ARE DEALING WITH PEOPLE,WAKE UP!!! It doesn't matter what company or organization you deal with on this planet you are going to have #1 Good moral people #2 People that mislead #3 Scum #4 Peope that believe in their cause #5 Leaders #6 followers and the list goes on. There were a lot of good people that worked at Enron but the management blew it for everyone. Look at all those priests that were assaulting those kids. How about those hidden camera shows that show how your local auto mechanic is ripping you off. Does this mean that everyone in Enron were scammers,does this mean that churchs (regardless of denomination) don't help thousands of people in their community and around the world, does this mean that there are no honest mechanics out there? It's people that ruin it, not neccessarily the companies that employ them. Rick, Business=scam, always has always will! The difference is that you have bottomfeeders,good people,scum,leaders,followers ect. in every single business on the planet. The reason your so angry is it just happened to be someone from Primerica that "may have mislead you". Blame the person not the company. I've got news for you, where you buy your gas, they are probably ripping you off,Where you get your car fixed-ripping you off,buy your groceries-rip-off,your car insurance-rip-off. Wow, you've got a lot of work to do!!! I have a suggestion,instead of wasting your time on these websites why don't you try to find out if there are things that Primerica does that truly do help people and go to work on getting rid of scum that are potentially a good opportunity.P.S. I'll let you know how my opportunity works out! Oh ya, to that guy who was pointing out peoples spelling mistakes,byte me!
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#14 UPDATE EX-employee responds

over priced ..I just could no longer sell a product I didn't believe in and ripoff my friends and family

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

I was a district leader with primerica, and passed my life test and received about fiteen awards in a 4 month period, was promoted to district after being in the company for about a month, I was fine with it until I found out how over priced there life policies are, I just could no longer sell a product I didn't believe in and ripoff my friends and family, they are still calling me and begging to go back because of my credibility but no way in hell will I ever go back, I want to remain in good standing with my friends and family, If you have any type of concience this is not the company to get into.
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#15 UPDATE EX-employee responds

New Suckers Sought Daily

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

I got hooked up with the Primerica hype several years ago. I was truly and honestly 100% motivated towards success and having the opportunity to help those families struggling month to month like I was.



I paid my 199, did the PFA, started my insurance and all the while was being pumped up by my upline.



I completed the class, went to countless meetings (All more than an hour from me), and was continually refreshed with words of praise from #1. Each meeting got me more and more involved and I kept plugging the referrals. Being a prior military recruiter, I found discussing a life change opportunity an easy task. After my fourth or so appointment, I began to realize that all of my referrals were being recruited, to basically sell insurance.



In my six months with them I saw only one family helped with the $mart loan (I was turned down). I found that the primary emphasis was on insurance sales.



I never saw a "Whole" Life policy, but the term was always pushed. I found this very distasteful and somewhat dishonest. I was not interested in insurance sales, so I backed out and contacted everyone that I had given as a referral. After appologizing I told them to beware.



Periodically, I run into someone I remember from those meetings. All are out but one, and he is struggling from what I hear. Only our common upline "#1" has made a dime, something I have found is common with this business scheme. If however you decide to do this, first think of all your family, neighbors, friends, and just plain associates.



Which names will you give first? The pressure will be intense to provide names of those you can help. Of course you will want to help them all. When will you run out of family & friends? Of all those who wrote in saying great things about the Primerica opportunity, how many families were USED to get their success.



How many down lines have they gone through, sucking all the warm contacts that they can? Anyone can make a buck. I will pay the kid down the street to help my shovel the snow, just for honest effort. I pay for goods and services daily, why? Because I need to, for me, my family and of course the economy. I really don't need to have cash sucked from my pocket, so Curtis and Jon can go to Hawaii and drive their Bimmers.



Sorry guys you may have worked to get what you got, but the ultimate burden was bore down line. Things really are too good to be true, unless you can suck back good morals and blindly suck the life from others.
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#16 Consumer Comment

Mortgage Mess

AUTHOR: Janet - (Canada)

This is a question to Mike - Carnelian Bay, California....you mentioned that you had a report discussing a horrible mortgage you received from Primerica, please specify, we have been approached by a rep who has all the answers and now after logging onto this sight we are skeptical of everything....do all the people complaining have legitimate faults or are they disgruntled employees? Do all the Primerica people have an honest track record or are they yet one more salesperson, out to make a fast buck....help, who can you trust????
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#17 UPDATE Employee

New Hire & Not Ripped Off

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

I have curreently joined Primerica and Paid $199 to take the class. After completing my 6 FNA I was refunded my fee. After completing this I went to meetings on Tuesdays and Saturdays where I got help to past the test and how to conduct myself in the field. After a month or so I paid the $70 liscence fee and took the test. Needless to say I passed the test, was appointed and recieved my reimbursement of $70 within two weeks. I've been in the field for about a month and have several recruits ready to join. I was never promised a get rich scheme... I was told it would take hard work... it all depends on your upline. Don't blame it on Primerica as a Whole. Where else can you get a refund for taking a class and passing your test. Don't be a quiter.
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#18 Consumer Comment

Get spell check

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

This is in response to Curtis from Chatsworth Ca. You claim to have been paid 1 million dollars in the last 4.5 years by this company. Could you spare a few bucks, and get spell check for your PC?
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#19 Consumer Suggestion

VICTIM MENTALITY?????

AUTHOR: Rick - ()

In many of my posts I feel I have made it quite clear that my reason for slaming primerica on a regular basis is to help others. Whether they feel I'm right or wrong, perhaps they will at least be skeptical. How do justify this as victim mentality? Maybe your friend has the victim mentality? Maybe he's so fat his knees gave way? Maybe he can sue McDonalds for "hooking" him on big macs? MAYBE that would be a victim mentality? You see there is a good deal of difference between a "victim mentality" and "warning others before they fall prey to scammers". As far as bitterness and blame, you got me there.
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#20 Consumer Comment

Victim mentality, blame, and bitterness will never work to your personal benefit, or anyone elses.

AUTHOR: Rick - ()

I tried Primerica for almost eight months, working out of one of the Portland offices, and found that it doesn't work for me at this point in my life. Couldn't stay excited about it. I've worked with other home-based business companies in addition to Primerica, and have yet to find one that I was personally passionate about.



So, I went back to work as a contractor employee for a large communications company, and made good money for about three months, and was just laid-off for lack of work. Funny thing...the morning of the day I was laid-off, I was telling my wife about how much I hated what I was doing, and really didn't want to go to work that day, and boy, the universe responded! And although my ego was hurt, logically, I could see how I helped manifest what had happened. My wife's aunt and uncle opened a deli on the Oregon coast two years ago. It looked like it was going to be a great business, but after a lot of blood, money, sweat and tears, they closed one year later. That's business.



Some friends of ours who were in Primerica with us (in our downline), refinanced their house with a $MART loan. They aren't active in the business currently. He was working around the house a few Sundays ago, and through a strange series of events, blew out both of his knees within 30 minutes of time, and is now laid-up for two months. Even though he didn't opt for the additional mortgage payment insurance, Travellers Bank and Trust has their house payment deferred for six months.



My perspective? Businesses come and go. Some are based on good concepts, others...not so good. Primerica might not be for me at this time, or for you, but I know that the friend who blew out his knees is grateful this Thanksgiving to still be in his house because he refinanced with a company that cared. Some people are honest, and some aren't.



I was told in Portland from the start that Primerica was a business, not a job. My aunt and uncle lost thousands in their deli business, but I've never heard them complain. They just accepted what happened and moved on. Good things happen, and seemingly bad things happen too. If you want to live a long and happy life, keep your thoughts on the good things. Make a list of five things you're grateful for before you go to bed each night. Spend a little less time exposing yourself to negatives. If you're doing what your're "meant" to be doing, things will work out.



Victim mentality, blame, and bitterness will never work to your personal benefit, or anyone elses. Folks, it's time to move on. All my best to you.
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#21 Consumer Suggestion

Marvin, you just don't get it do you? or do you?

AUTHOR: Rick - ()

First off, I'm not out $199.00. I was fortunate enough to realize that this was a scam before I donated to your cause. Secondly, I did not call myself an "idiot". I said " maybe you could call us idiots who refuse to lower their standards and morals to make a buck." At the primerica is awesome pep rally...er...I...mean my "first interview" anyone who worked for a living was said to be an idiot.



Over and over I try to make the point that I don't have a clue as to how great a public service primerica provides. I'm an auto mechanic, I'm 35 years old and can hardly stand up straight from working my butt off my whole life. Someone Emails me with a job opportunity in the financial industry and in viewing my resume feels that I have the skills and expierience to benifit their company,I'm curious, so I reply. I attended pep rally one and pep rally two (or as I was told the first two parts of the three part interview proccess). I'm not out the $199.00, no, I'm out about $425.00 worth of my time.



So I could really care less about how great a company primerica is. I refuse to have anything to do with anyone who knocks others for trying to work hard and make an honest living. And, I refuse to have anything to do with anyone who lies and decieves to make thiers. I hope this clears things up for you, Marvin.
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#22 Consumer Suggestion

What goes around comes around

AUTHOR: Nathan - ()

What is the matter Marvin? Getting harder to recruit? Are people starting to find out how corrupt and useless primerica is?



Rick from Minnesota - good for you! You tell them.



These reps make them selves out to be new Andrew Carnegies and Hemry Fords. You want to work for your self get a franchise or or start a REPUTABLE business. Stop trying to scam everyone for $199.00. Stop trying to make yourselves out to be these great poster children of financial independance. The reality is most of you primerica reps are flat broke.



AND YOU KNOW IT! My friends were in this business. They needed groceries from their friends to get by. That sure was financial independance!



You reps are all caught up in the hype. You are not even allowed to talk about bad things about your company.



QUESTION IT! STOP BEING SCHMUCKS! GET ON TO A MORE RELIABLE LINE OF WORK.



Learn from the experience and move on.



Good luck and God bless you.
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#23 Consumer Suggestion

What goes around comes around

AUTHOR: Nathan - ()

What is the matter Marvin? Getting harder to recruit? Are people starting to find out how corrupt and useless primerica is?



Rick from Minnesota - good for you! You tell them.



These reps make them selves out to be new Andrew Carnegies and Hemry Fords. You want to work for your self get a franchise or or start a REPUTABLE business. Stop trying to scam everyone for $199.00. Stop trying to make yourselves out to be these great poster children of financial independance. The reality is most of you primerica reps are flat broke.



AND YOU KNOW IT! My friends were in this business. They needed groceries from their friends to get by. That sure was financial independance!



You reps are all caught up in the hype. You are not even allowed to talk about bad things about your company.



QUESTION IT! STOP BEING SCHMUCKS! GET ON TO A MORE RELIABLE LINE OF WORK.



Learn from the experience and move on.



Good luck and God bless you.
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#24 UPDATE Employee

Truth ...more like more drivel below!

AUTHOR: Marvin - ()

None of the comments above are about Primerica. They are about self and how they don't have the skills to manage $199.00 The same kind of people read this kind of stuff and take it as truth when realy it is a misunderstanding. Call someone like the BBB. The first want to know who you are then they give you a cliam number to support your wild claims. Marvin Brewer Stanton,Ky 859 771 2877



Primerica's mission is to help families become debt free and financially independent. If you would have stuck around long enough to get the FREE fna they would have showed you how you could save yourself more than $199.00 a month. The same $199.00 that get's refunded when you go to work. And after you get the FREE fna you don't have to do business with Primerica and some don't because they read stuff from places like this web site. Instead they take it to the local bank and do business with them. They don't like it because they don't make as much money by honoring our low cost plan. One of these letters says do 1% loan. no one works for free and 1% won't even pay the processing fee.



If this gets posted I will be surprised. And to call and beat up someone who's job is to take complaints and do the best they can to refund money on a mistake you and no one else made is not smart. Call yourself an Idiot if you want to thats up to you. And if $199.00 is that important to you then spend it on the bills.
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#25 Consumer Comment

Billy don't know Jack

AUTHOR: Rick - ()

Billy-boy I found your comment offensive to say the least. Most people who are upset are were not looking for a get rich quick sceme in the first place. I know I myself came to be "interviewed" for "a position in the financial industry". I was lied to. I have better things to do than waste my time being swindled by a bunch of liers. How dare you call us "lazy". The correct description of most of us people would be to say that we are "honest people who don't like to see others like us getting hurt". Or maybe you could call us "idiots who refuse to lower their standards and morals to make a buck". Calling us "lazy" just doesn't fit the bill. In fact it is my opinion that those looking for a get rich quick sceme are the sceemers that stick it out with primerica.
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#26 Consumer Comment

These peolpe are morons!

AUTHOR: Billy - ()

I think the last rebuttal was good, but these people reporting, aren't insurance agents, they are normal lazy people, just like millions of other americans. None of these reports say that they worked there hardest at primerica, then didnt get anything back. They went to some classes.... so what? You put your foot in the door. Do you think you should get paid for going to those classes? Or paid for doing nothing? You people keep that get rich quick scheme going. It's hard for someone like primerica to conduct regular business, when you morons are thinking it's a get rich quick scheme. Get it right, it's MLM, live with it.
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#27 Consumer Comment

not really

AUTHOR: C - ()

Dear Linda,



I can't speak for anybody else but personally I have not ever been in the financial industry per se. I have nothing to gain from this.



As for your so-called 'observations', are you sure they weren't planted in your head at a flopportunity meeting? It sounds exactly like what they told us at the numerous meeting I had been to.



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#28 REBUTTAL Owner of company

Beginning to Question!!!

AUTHOR: Linda - ()

I'm beginning to think the people who have all these bad things to say about Primerica and Citigroup, may just be a few Insurance agents from other companies. They are losing a lot of money when we replace their bread & butter whole life policies with policies most people should have, (Term Life). What a lot of people don't understand is the difference between the two. It cost a lot more to have a whole life policy than a term policy. The difference! An agent receives a one time commission on a term policy. On a whole life policy, each and every month you pay that huge premium as long as it is in force, the agent also gets paid each and every month.



It seems to make sense that they would be very upset at Primerica.
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#29 Consumer Suggestion

If Primerica is so great why do they have to deceive.

AUTHOR: Rick - ()

I'm so fed up with hearing how great primerica is. For one, that if not the issue here.My problem with primerica is the fact that I was misled and deceived by them. Secondly, if Primerica is such a great opportunity, why then do they have to lie and deceive to recruit new individuals? You seem so bothered by the fact that many people spend much of their free time harping on primerica. I must say I do have better things to do, however I feel a need to warn others before they (and there friends and family)fall victim to you snakes.
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#30 Consumer Suggestion

If Primerica is so great why do they have to deceive.

AUTHOR: Rick - ()

I'm so fed up with hearing how great primerica is. For one, that if not the issue here.My problem with primerica is the fact that I was misled and deceived by them. Secondly, if Primerica is such a great opportunity, why then do they have to lie and deceive to recruit new individuals? You seem so bothered by the fact that many people spend much of their free time harping on primerica. I must say I do have better things to do, however I feel a need to warn others before they (and there friends and family)fall victim to you snakes.
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#31 Consumer Suggestion

If Primerica is so great why do they have to deceive.

AUTHOR: Rick - ()

I'm so fed up with hearing how great primerica is. For one, that if not the issue here.My problem with primerica is the fact that I was misled and deceived by them. Secondly, if Primerica is such a great opportunity, why then do they have to lie and deceive to recruit new individuals? You seem so bothered by the fact that many people spend much of their free time harping on primerica. I must say I do have better things to do, however I feel a need to warn others before they (and there friends and family)fall victim to you snakes.
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#32 REBUTTAL Owner of company

QUESTIONS

AUTHOR: Antonio - ()

FIRST OF ALL I PERSONALLY KNOW PEOPLE WHO ARE VERY SUCCESSFUL IN PRIMERICA. I MYSELF ONE OF THEM. WHAT WOULD YOU PAY FOR A FIVE HUNDRED THOUSAND A YEAR INCOME? PLEASE ANSWER THIS ONE. ALL OF YOU WHO HAVE MADE CLAIM ABOUT PRIMERICA, ARE ALL YOU WORKING FOR SOMEONE ELSE? IF YOU ALL HAVE NEVER GAVE YOUR ALL, AND THEN LOST YOUR SHIRT, THEN KEEP YOUR LIPS SEALED. PEOPLE FIND ANY REASON TO QUIT, WHEN THEY MUST JOURNEY OUTSIDE OF THEIR COMFORT ZONE. IF YOU READ ANY BOOK FROM THE VERY SUCCESSFUL, YOU WILL FIND THAT THEY NEVER SUPPORT THE MENTALITY OF THOSE WHO HAVE MADE CLAIMS OPPOSING PRIMERICA. THE BOTTOM LINE IS THIS.. IF YOU DESIRE MORE OUT OF LIFE, YOU MUST FOCUS ON WHAT YOU WANT, BECAUSE WHAT YOU DON'T WANT IS NONE OF YOUR BUSINESS!!!!! SO WHY FOCUS ON THAT???? PRIMERICA IS SIMPLY A VICHICLE TO GET YOU TO YOUR SELF DETERMIND DESTINATION. NOTHING MORE!!! IF YOU FAILED TO WORK THE BUSINESS. WHY GO ON A SELF APPOINTED CRUSADE TO DESTROY WHAT WILL WORK FOR THOSE WHO WORK IT??? GO ON TO SOMETHING ELSE..
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#33 REBUTTAL Owner of company

QUESTIONS

AUTHOR: Antonio - ()

FIRST OF ALL I PERSONALLY KNOW PEOPLE WHO ARE VERY SUCCESSFUL IN PRIMERICA. I MYSELF ONE OF THEM. WHAT WOULD YOU PAY FOR A FIVE HUNDRED THOUSAND A YEAR INCOME? PLEASE ANSWER THIS ONE. ALL OF YOU WHO HAVE MADE CLAIM ABOUT PRIMERICA, ARE ALL YOU WORKING FOR SOMEONE ELSE? IF YOU ALL HAVE NEVER GAVE YOUR ALL, AND THEN LOST YOUR SHIRT, THEN KEEP YOUR LIPS SEALED. PEOPLE FIND ANY REASON TO QUIT, WHEN THEY MUST JOURNEY OUTSIDE OF THEIR COMFORT ZONE. IF YOU READ ANY BOOK FROM THE VERY SUCCESSFUL, YOU WILL FIND THAT THEY NEVER SUPPORT THE MENTALITY OF THOSE WHO HAVE MADE CLAIMS OPPOSING PRIMERICA. THE BOTTOM LINE IS THIS.. IF YOU DESIRE MORE OUT OF LIFE, YOU MUST FOCUS ON WHAT YOU WANT, BECAUSE WHAT YOU DON'T WANT IS NONE OF YOUR BUSINESS!!!!! SO WHY FOCUS ON THAT???? PRIMERICA IS SIMPLY A VICHICLE TO GET YOU TO YOUR SELF DETERMIND DESTINATION. NOTHING MORE!!! IF YOU FAILED TO WORK THE BUSINESS. WHY GO ON A SELF APPOINTED CRUSADE TO DESTROY WHAT WILL WORK FOR THOSE WHO WORK IT??? GO ON TO SOMETHING ELSE..
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#34 REBUTTAL Owner of company

QUESTIONS

AUTHOR: Antonio - ()

FIRST OF ALL I PERSONALLY KNOW PEOPLE WHO ARE VERY SUCCESSFUL IN PRIMERICA. I MYSELF ONE OF THEM. WHAT WOULD YOU PAY FOR A FIVE HUNDRED THOUSAND A YEAR INCOME? PLEASE ANSWER THIS ONE. ALL OF YOU WHO HAVE MADE CLAIM ABOUT PRIMERICA, ARE ALL YOU WORKING FOR SOMEONE ELSE? IF YOU ALL HAVE NEVER GAVE YOUR ALL, AND THEN LOST YOUR SHIRT, THEN KEEP YOUR LIPS SEALED. PEOPLE FIND ANY REASON TO QUIT, WHEN THEY MUST JOURNEY OUTSIDE OF THEIR COMFORT ZONE. IF YOU READ ANY BOOK FROM THE VERY SUCCESSFUL, YOU WILL FIND THAT THEY NEVER SUPPORT THE MENTALITY OF THOSE WHO HAVE MADE CLAIMS OPPOSING PRIMERICA. THE BOTTOM LINE IS THIS.. IF YOU DESIRE MORE OUT OF LIFE, YOU MUST FOCUS ON WHAT YOU WANT, BECAUSE WHAT YOU DON'T WANT IS NONE OF YOUR BUSINESS!!!!! SO WHY FOCUS ON THAT???? PRIMERICA IS SIMPLY A VICHICLE TO GET YOU TO YOUR SELF DETERMIND DESTINATION. NOTHING MORE!!! IF YOU FAILED TO WORK THE BUSINESS. WHY GO ON A SELF APPOINTED CRUSADE TO DESTROY WHAT WILL WORK FOR THOSE WHO WORK IT??? GO ON TO SOMETHING ELSE..
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#35 REBUTTAL Owner of company

QUESTIONS

AUTHOR: Antonio - ()

FIRST OF ALL I PERSONALLY KNOW PEOPLE WHO ARE VERY SUCCESSFUL IN PRIMERICA. I MYSELF ONE OF THEM. WHAT WOULD YOU PAY FOR A FIVE HUNDRED THOUSAND A YEAR INCOME? PLEASE ANSWER THIS ONE. ALL OF YOU WHO HAVE MADE CLAIM ABOUT PRIMERICA, ARE ALL YOU WORKING FOR SOMEONE ELSE? IF YOU ALL HAVE NEVER GAVE YOUR ALL, AND THEN LOST YOUR SHIRT, THEN KEEP YOUR LIPS SEALED. PEOPLE FIND ANY REASON TO QUIT, WHEN THEY MUST JOURNEY OUTSIDE OF THEIR COMFORT ZONE. IF YOU READ ANY BOOK FROM THE VERY SUCCESSFUL, YOU WILL FIND THAT THEY NEVER SUPPORT THE MENTALITY OF THOSE WHO HAVE MADE CLAIMS OPPOSING PRIMERICA. THE BOTTOM LINE IS THIS.. IF YOU DESIRE MORE OUT OF LIFE, YOU MUST FOCUS ON WHAT YOU WANT, BECAUSE WHAT YOU DON'T WANT IS NONE OF YOUR BUSINESS!!!!! SO WHY FOCUS ON THAT???? PRIMERICA IS SIMPLY A VICHICLE TO GET YOU TO YOUR SELF DETERMIND DESTINATION. NOTHING MORE!!! IF YOU FAILED TO WORK THE BUSINESS. WHY GO ON A SELF APPOINTED CRUSADE TO DESTROY WHAT WILL WORK FOR THOSE WHO WORK IT??? GO ON TO SOMETHING ELSE..
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#36 Consumer Suggestion

primerica is a godsend

AUTHOR: Rick - ()

Look at all the "up front fees" primerica could have saved me.Unfornately, they could have saved me some valuble time had they been "up front" with me in the first place.



They contacted me with a job offer in the financial industry. They invited me to a "three-part interview".



They lied and they lied and they lied. Had they asked me if I was interested in a sales position, or had they invited me to a "Sandy Wiel is god/citygoup is heaven/primerica-schmerica-dada-dada-dada-pepfest" rather than con and deceive I might not be here ripping on them.



I think I speak for many others as I have watched this site for quite some time and there are fresh victims nearly every day. So rather than casting your net and seeing who you may "snag" next why don't you put an ad in the paper advertising "$199 insurance liscensing fees,come to our people who work are idiots seminars and learn more".



You primerica people are the true "bottom-feeders" of our society.
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#37 Consumer Suggestion

Don't be a KOOK - Get the facts!!!

AUTHOR: Curtis - ()

"PRIMERICA "



Attention "Bone Head Patrol"

In the state of California your fees are as follows. (Other States are different but 95% of the state fees are similar.)



$239.00 State License Fee

$250.00 School/Books/Tape/Software

$ 60.00 Back Ground Check

(Felony/Violent Misdemeanor)

$600.00+ CFL License per year-Prior to 3

Years ago to sell loans you

Needed to get this on your

Own. The home office spent

Millions to establish Branch

Licenses with the Dept. of

Corporations in California. You

do not need to pay this but

without Primerica's set up you'd

have to go get a Real Estate

License or spend the $ for the

CFL License on your own



Primerica asks that you share in the costs.

$199.00 ???



For your consideration - Read this?



Car Sales $100 fee to the DMV (approx.)

Real Estate Agent $600 -1,000 to the Dept of

Real Estate/Private

school/Books-Tapes

Hair or Nail Business $1,000 + to pay fees to

the Dept. of Consumer Affairs

and school requirements.



For anyone to use the word Scam or Rip Off with regards to the $199.00 is just jumping to conclusions or in many cases a complete idiot.



If you ACTAULY are considering the Primerica Opportunity and want real/true information you may call me at 818-773-0057 PST or curtis cooper@earthlink.net I will give you the facts - I have no financial interest or gain in helping YOU.



I have always followed through with things I start; unfortunately most people don't follow through with most major tasks in life. I have been paid more than 1 million with Primerica over the last 4.3 years. I paid more than $900 in licensing fees to get the necessary licenses and appointments to work in this industry. I saw this as a great opportunity in spite of the initial cash outlay. I don't know why others see the opportunity differently?



You could hand out $20 bills and there are people who would find fault in it?



There are 4 or 5 people who post ridiculous claims on this site. These people post negative items over and over on this site. I've begun to suspect that they have an address that includes a space number. They have nothing better to do than to post phony replies. These people are Kooks.



PS. Don't be fooled by WAKO-Primerica Haters
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#38 UPDATE EX-employee responds

To BC Portland Oregon

AUTHOR: Joy - ()

I was glad to hear that you left Primerica! I read your report and was excited to hear that you were able to make the decision to leave. I was still wondering if we were in the same office. I know we were in the same area and it sounds like it is a possibility.



There is hope in trying to receive a refund. It took a lot of phone calls but I was persistent and I finally got all of my money back. I was determined to get my money back because of the way I was lied to and scammed.



I did speak with Regena and she assured me that the office that I was with is being watched closely, but I don't know if that is true. Also, when I was a part of Primerica (for a short time) I went on a few appointments that resulted in some referrals.



These referrals were given to ME as potential customers. Not my up-line, but after the appointment my up-line kept the paper which the referrals were written on. I of course at the time did not think this was a problem because I trusted them, but it has came back to haunt me. I have recently found out that the SCUM (my x up-line) has been contacting those referrals on the lists.



I also brought this information to Regena and she assured me that my x up-line would be contacted and told they can not contact any one else on those lists.



I hope that this is a lesson to everyone who is thinking about joining Primerica that if you do you are dealing with termites who will chew off anything to get to the top no matter who they chew up and spit out along the way. I also agree that Primerica is very cult-like.



I only wish I had found this website before I joined because it would of saved me a lot of headaches.
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#39 Consumer Suggestion

Contact Donna Guilmette for a Full Refund

AUTHOR: Gary - ()

If anyone has been ripped off by this scam, you need to contact Donna Guilmette; 800 666-7837 x8514. I got all my money back.
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#40 Consumer Comment

to the Editor: I agree with you

AUTHOR: bc - ()

Re: the above post, just above your comment, Ed, I agree. It is so obvious that this person does know all about the big Prime and is acting like a neutral. It would take a lot of exposure to be able to try to defend the company's practices the way he is.



To Joy, I am so glad for your report, and your accuracy in reporting your faxed report dates. I am not surprised that you received your refunds in different sections, after all, different people receive different cuts of your money and different RVPS probably have to fork over something. I read a report recently about an RVP suing his downline for policy premiums that the downline's clients had stopped paying..(lapsed policies).



I too am considering asking for a refund. I have done class, like a good student and now I want a refund of the rest of the fee. I appreciate your post and I hope I get some realistic service from the company who calls itself the best customer service company.



The more questions you asked the more perturbed they got...hmm. .. sounds familiar! Can you imagine a regular job, doing something meaningful and asking meaningful questions, showing your real interest in understanding your job, and being answered by a trite answer or another question and perturbance??? If I experienced that, I would be thinking about a new job in a hurry.



I think the mood portrayed really does expose the hypocrisy and cracks in the system. After all, critical thinking does expose the fallacies of the whole Primerica culture. Just reading the posts from those who have been in the company for years, and later found out the inethicality of the comapany's practices, is revealing.



When I think psychologically, people have got to be under some kind of internal pressure to keep their critical thinking at bay and remain in the glaze of Primerica being "uniquely postioned at this time to help families" as the music swells and the clouds part, in the weekly video. This repetitive exaltation of Primerica is very cult-like. I have got to say, it began to feel like torture watching it week after week. Building on people's fears and presenting the Primerica solution to 'security'.



I am angered when I see the type of people that are targeted, those who are hurting financially, who have very little extra cash, who should NOT be pulling out plastic to pay for training for a job, or trips hawked as 'training' when it is just more hype. This saddens me.



Also if Primerica's loans are such a help to families, why not give them market rates for interest, even if they are credit challenged? And how about doing a 1%cost for theloan instead of 3%??Now that would cause people to line up for loans and stop asking embarassing questions about whether interest rates matter. That is something the company could be proud of. That would be a real help to families.



Those of you readers who believe in a judgement day...I do... may agree with me that not only individuals will face judgement. I think that it will include those who were in groups, or corporations, or other affiliations that take advantage of the innocent, or the naive.



I no longer feel naive, but the wiser. And a real burden to be very upfront about my experiences with this company and its practices.



Hey Joy, please contact me... via rebuttal to this report.
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#41 Consumer Comment

NOT AS BAD as they seem - a neutral view on Primerica

AUTHOR: Jennifer - ()

I am NOT am employee, recruit, or customer of Primerica. However, my boyfriend has JUST become involved with Primerica and I've been doing my homework. I've gone over Primerica's own material, read various testimonials, both positive AND negative, and countless websites, either for or against the company.



I still haven't made up my mind and probably won't until I see where my boyfriend goes with this. The only conclusion I have come up with is its all matters of opinion and at which angle you are looking at it from.



One of the most common negative things I've read is that your work is just making money for someone else. While this is true, since the people above you in Primerica make a commission off your sales, isn't that true in all forms of business? For example, say you're a programmer for a software company and you help develop a software program. That company turns around and sells it and makes a profit off YOUR work. Or you're a sales rep for a manufacturing company. You sell their product and THEY profit from YOUR sale.



You can do this analysis with ANY occupation and still come out with the company profiting off your work. Is there any company who hires workers for the heck off it? No, any employee hired is hired to do some job that will profit the company.



Another negative argument about PFS is the manipulation or brain washing of the people you recruit or suck into the company. I think the recruitment of other people is a unique aspect of Primerica. If you were a sales person for any company most likely you cannot hire people under you that YOU profit from. And so what if YOU profit from THEIR sales is that so wrong? If you were a sales force manager that motivated your sales force to achieve record sales and was promoted or received a bonus for your efforts would you be viewed as a con artist, probably not.



I've read so many postings about people being manipulated into recruitment at the promise of a get rich quick job. Nowhere have I read or heard Primerica claim this. On the other hand, however, I do agree that they emphasis the wealthiest of their top dogs - If that's what motivates people then so be it. I don't know an American out there who is not motivated at the prospect of making more money, even if they don't realize it. If you want a nice home, if you want a nice car, if you want to send your kids to collegeall these things require money and the more you have the sooner you'll get it. But no matter what you do, even if it's Primerica, you have to work for it.



From what I've read, negative people portray Primerica as convincing people into believing that they can get rich quick by doing next to nothing. Anyone who believes this is in dire need of common sense. There is no such thing as an easy or quick way to get rich. And I've never heard or read Primerica claiming that they're the way to accomplish this feat. However, if you truly work at selling financial products and you get enough people under you, I don't see why you couldn't end up making a decent amount of money IN TIME.



Finally, it seems to me that all the people who are complaining about Primerica are people who got in, paid for the class, and then dropped out. Well if you can't stick with your decisions, of course you're going to be unhappy. If you're going to do something, then DO IT! Maybe if you had stuck with it you would have found success. And the whole thing about getting your money back for classes, give them some leeway. You're paying for a service, which unlike a tangible product, you can't just bring into the store and get your money back. If you paid for the class and then went to the class, why should you get your money back? They provided the service you paid for didn't they? In other words, it harder for a company to determine if a consumer has consumed their product when their product is a service.



Well, like I said before, I haven't quite made up my mind about Primerica, but they don't seem all that bad. If you dig deeper into the logic of it instead of the emotionally driven bashing from bad experience that's been repeated over and over on this site they might not seem like such a rip off.
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#42 Consumer Comment

Primerica - Shame Shame Shame

AUTHOR: jon - ()

I never got taken in by this scam. Thank God!



I was solicited to join twice. The reps want to seem positive and upbeat. They are HONESTLY deluded into thinking that they are doing themselves and you a favor. I am in sales. I hate to say no. What goes around comes around. But these are the kind of people where you almost have to get mean for them to understand you mean ... NO!



I later found out that my friend worked for them for two years. She starved the whole time! Another friend of mine quit and now is back. I can't understand it. All of us pray that he will leave and find a more reliable kind of work - like working for minimum wage. At least his wife did not go back in with him. She at least has the sense to not get taken in again.



Primerica reps only have one really bad enemy. Themselves. Stop hurting your selves by staying with this messed up corrupt company. Get out. It is OK to admit that the company is not what you thought it was, chalk it up as a good learning experience and MOVE ON!
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#43 UPDATE EX-employee responds

Regena you are incorrect!

AUTHOR: Joy - ()

To Regena,



Obviously you did not search your records correctly. I did submit a request for a refund on my husband on July 10th and I have the confirmation from the fax machine to prove it. I also submitted my letter of complaint on July 18 and I have the confirmation fax to prove that also.



It is funny that when I called to check on my husband's refund about 5 days latter I was told his records were waiting to be received back from California. In the beginning of August, I was told it was in the accounting dept. So YOUR research is incorrect.



I still did not get all the money I was promised. I was promised a refund of $203 because I was scammed into paying $4 for a super Saturday. So NO I did not receive the full amount. You might want to check with Lisa at EXT. 7831, she is the one who told me she was going to refund me the additional $4. Went I submitted the previous update I had not received the additional $40.



I received that on September 4th. I submitted the update on August 31st. The only reason I did not mention my husband in my letter of complaint is because I was the one involved not him. Plus I had already sent in his refund request. Every time I called the home office in Georgia the reps I spoke with were rude, anyway you look at it Primerica is a rip off and I think all of the reports you find on this website prove that.



The company you are working for is a BIG scam! I hope you are able to sleep at night knowing that the company you work for is out scamming people everyday! Taking people's money and lying to them is wrong. Anyone who is considering joining Primerica needs to know that they are joining a company that is a scam and will only hurt people. Most likely loosing friends and family not to mention their money during their short stay with the your company.
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#44 UPDATE Employee

Primerica refunded ALL of your money, as requested.

AUTHOR: Regena - ()

My name is Regena Wood and I am an employee of Primerica in the Office of the General Counsel. Based upon the information your provided, I researched our records and found that you requested your refund on 07/24/02.



You made no mention of your husband, nor did we receive a request to refund his IBA fee. In accordance with your contract, we refunded $159 to you on 07/25/02.



Even though you completed 7 of the 9 classes, an additional $40 was administratively refunded to you on 08/21/02. Additionally, a refund of $199 was processed for your husband, also on 08/21/02.



If you dispute this information or there are other issues you would like to discuss, please contact me immediately with further details so that we can promptly investigate your concerns. I can be reached at regena.wood@primerica.com, or toll free at 1-800-257-4725, extension 7955. If I do not hear from you within 10 days I will assume that our information is correct.
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#45 UPDATE EX-employee responds

finally got my money back after about 50 phone calls

AUTHOR: joy - ()

Just an update! I finally got my money back after about 50 phone calls to the Duluth GA office. Unfortunately they did not refund all of my money as promised.



I filed a complaint with the OFC at Primerica, and I received a phone call back from an attorney who said she was concerned with my accusations and offered me a full refund of the $199. But in reality I only received $159 so I complained about not receiving the full refund as promised and she told me it was and oversight, but I still have not seen the additional money.



I am just happy to see some of my money back after a long fight with Primerica. Anyone reading this who is considering joining Primerica, take my advice and stay away! It is not worth the headache!
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#46 UPDATE EX-employee responds

John8 is a joke ..How can one expect to succeed at a business that is a scam.

AUTHOR: joy - ()

Yes, we have seen his john8's BS in other rip off reports. I think before you make statements about the company you better be sure they are true. If you are so successful being a Primerica rep then why are you a IT contractor? I think we have all heard the BS sales pitch of Primerica, but you insisted on giving your own. Who were you trying to convince? Primerica does work as a pyramid and my upline told me just that! You are full of crap when you say that Harvard and Yale teach this concept. Show me!



"people who fail are slackers" How can one expect to succeed at a business that is a scam. Maybe one who is a SCAMMER themself. I think once people see how the business is conducted that is why most of them leave. Take a look at the Primerica's web site and go business opportunity then track record. What does this tell you? If Primerica is such a legit business then why are there only approx 5200 people making more than $50,000. Primerica claims they have over 100,000 reps so this would only be what (5%) success rate. Not a good business if you ask me. When most people find out what a scam Primerica is they back out. The people who stay are out to SCAM anyone they can get their hands on. So how many people have you scammed? You must be a very dishonest person to continue being a part Primerica. You should be ashamed of yourself!
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#47 Consumer Comment

Huh?...safe sex?....oh wow!

AUTHOR: Adolph - ()

Quote:" If any of you know anything about finance, stocks and mutual funds have averaged 11.9% since contraception in 1802 (my source is both Primerica material AND a book called "you're 50 now what," by Charles Schwab)."



Now THAT is the funniest damn statement I've read in years! It got me laughing so hard I was afraid to continue least I fall out of my chair.



"Contraception" is most commonly accomplished by means of a condom. Just what activity was Primerica's forerunners engaged in that required "contraception"? Were they trying to uh...umm...**screw** someone?



Oh silly me. Do you mean "conception"?
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#48 UPDATE EX-employee responds

I'm a former employee; Hay, didn't that last rebuttal appear several times elsewhere word for word?

AUTHOR: April - ()

This is in regards to the above rebuttal of John8 of NY, NY.



First off, we all know that's not really your name. Secondly, didn't you write the same exact rebuttal many times before word for freaking word? Wow, for someone making so much money with Primerica, you sure do have alot of time on your hands! Now, who's the ignorant?



As to this original report. I too was suckered into their scam. Anyone reading this should know that everything you say, it's completely true. The office I was working at was shut down by the government. They sucker people by saying exactly what they want to here. Meetings after ridiculous meeting. They MOST certainly do work on a triangler format, which the rebuttal states isn't true and illegal. The I guess the broke the law. Only the founders of this scam will ever make this kind of money. They have hundreds of thousands of people under them. Their exactly like those e-mails you get saying, "Make money at home," "Be your own boss," "Make a $1000 plus a week," etc. There all pyramid scams. That's why they come to you. You'll never go anywhere in their company, you stay exactly where you come in at. To make money you have to recruit people under you, the more, the happier the higher ups are, and you'll finally see a little money and only after you sucker them into busting their butts for you.



I just hope people read these reports before getting in bed with these scam artists.
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#49 UPDATE Employee

Ignorance

AUTHOR: john8 - ()

First of all, everyone who has those wonderful corporate jobs, where is your security? Being an IT contractor, I've seen more people than I can count on both hands lose their jobs with Lucent and Sun Microsystems.



In addition, why do you think the corporations pay you what you do? Because you make them money. As for MLM, it is the business system of the future. This concept is taught WIDELY at Yale and Harvard business schools. Other companies such as MCI WorldComm and CocaCola use network marketing. In addition, a pyramid scheme is illegal in the United States because once you join, you are confined to your place in a pyramid. In MLM systems, you can actually make more money than your upline if you work harder than them. Also, MLM systems work when the people work. This world is full of slackers. you see them all the time at your work or when you have to do their. Or maybe you see them when you look in the mirror every morning. But those who want to win, who work their butt off will succeed in MLM systems. In addition to Primerica Insurance, they do not only pay their claims, they pay claims that Prudential and other insurance companies won't pay... say you get killed in the military.



If you read Primerica Life policies, death in the army is covered where it is waived in other companies. In addition, Primerica recommends term life insurance because it can provide more coverage for much less and to invest the rest. If any of you know anything about finance, stocks and mutual funds have averaged 11.9% since contraception in 1802 (my source is both Primerica material AND a book called "you're 50 now what," by Charles Schwab). If you invested a SINGLE dollar back in 1802 and got the AVERAGE return of 11.9%, that dollar would be worth over 10 million TODAY. Too good to be true? why do you think insurance companies and banks get so much money?



they take the money you put in the bank and invest it. They get their 12% and give you 3%... and now a days you're lucky if it's 3%. Does the market go up and down? yes, but in the last 15 years the market has risen 9 times over itself. the rich put their money into mutual funds and make more money. If you're middle america and complaining how hard you work and these rich people get it easy, you can keep complaining or you can do what they do and invest. i am sorry if you have had bad experiences with primerica agents. badgering is NEVER encouraged at Primerica but you know what? people will be people and you can't control that and to pick on just primerica agents is biased. your kids badger, your boss badgers you about deadlines, cold calls from company X badger. People will badger you in life so get over it. if you don't like primerica's products or compensation system, fine. go someplace else. But i've seen primerica at work, i've met a black guy living in a 1 room apartment in the projects with his 4 brothers and sisters come out of there and make over 300k a year. i shook his hand and met his mother who 5 years ago, was supporting them off of food stamps. is that marketing BS? probably not because I've met many others like him and one thing they all share in common is that they are willing to pay the price.



People who fail are slackers who aren't willing to pay that price and that's ok. Primerica is not a gimmie company. It's not about what the company can do for you, but for what you can do for the people and if you do what is good for the people, the company will take care of you. too many people want want want and aren't willing to give until they get what they want. so i'm sorry if a lot of people are lazy and can't pay the price and do their job because primerica isn't easy. You pay $199 and most people think we make money off of that.



do you realize that the $199 does not pay primerica agents a thing? do you understnd that the $199 that you pay fronts you:

an independent contractor's license (because you are your own boss, you make your own hours)



a mortgage license (once you put in the paperwork and do the course. by the way, a mortgage license costs around $600 in NH and they pay for it, so Primerica actually puts money into agents initially)



Life, Heath and Accident Insurance License and materials (they give you books and classes to help you pass your insurance exam. In NH it costs $105 to take the insurance exam. When you pass, Primerica refunds you $110 dollars from your $199)



Another point of information, to write business in Primerica, you need to be licensed. These are FEDERAL AND STATE exams, not "primerica's exams" these are HEAVILY regulated and we are audited by the government on a quarterly basis. The SEC and NASD check our numbers for all transactions that we do. In short, we are one of the heaviest regulated companies in the industry. Also, the credibility of Primerica is excellent. Citigroup bought us out and they make up one of the top 30 Dow Industrial stocks. We were ranked #1 of forbes fortune 500 for the last two years and we have over 1 TRILLION dollars in assets, making us one of, if not, the largest company in the worst in terms of assets. So if you have beef with us, that's fine. people have beef with microsoft. but i'm here to help people and to make a difference. by the way, i just got promoted to Regional Leader recently, the next step is RVP and i'll be making $100,000 a year in the next year and a 1/2. Last year i made 8 grand working at CompUSA.



I'm living proof that it works and I believe it in whole heartedly. Primerica's been around for 23 years. So it's not like this is anything new. And the CEO of our company used to be the President of American Express. He is now one of the most highly respected businessmen on Wallstreet.



Money magazine and BusinessWeek have done in depth reviews of our company and had nothing but good things to say about it. And for new people reading this, check your sources. I have given examples of the government, magazines and even the stock market to back up my claims. Other people have the 3 year old arguements of "primerica sucks, stay away!" but can they back it up? not on paper. do your own research and come to your own conclusion.
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