Rip-off Report INVESTIGATION: Primerica offers a good business opportunity and stands behind its products and services - Company Executives have told Rip-Off Report that Primerica pledges to resolve complaints & address any inquires from the past, present & in the future, ..and that's exactly what they've done & more, going beyond the call of good customer service..

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.

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===Below is the original Report that was filed=== CitiGroup - PFS attempt Ripoff Baltimore Maryland Check this out. I was solicited by email by a "Regional VP" for the company. I thought it was a bit unusual since my background isn't in sales or insurance. Intrigued, I was curious to find out more about the company and where I could possibly fit in. So I started my research and a few clicks later....WOW!!! I found this site! Thanks alot for saving me from getting ripped-off. Anyway, here are copies of the actual solicitation email sent to me, my reply and his return reply. Solicitation Email----- "We are opening several new Citigroup/PFS Branch Offices in the Baltimore/Washington corridor. To do that we need to identify those key individuals who can help us accomplish that growth and thought you might have the profile of the type person we are looking for. If there is an interest in finding out more about our corporate expansion plans and the career opportunities available you can E-mail me for additional information." My Reply---- "Thanks but no thanks. I read about you guys on Rip-Off Report.com" His Reply----- "Thank you for your feedback however misguided it is. Citigroup is now the largest company in the world and it has made a conscious decision to build their distribution and market their financial products to middle income families globally through our Primerica brokerage offices. That is why our opportunity is for the few who see the vision, the few who see it is about helping people become debt free and financially independent and' creating' distribution. It sounds like you have obtained the wrong information about our company and you should have checked to see if your source of information was credible and reliable. One of the traits I am looking for in our management candidates is good judgment and decision making ability. Was your information provided by an expert in our industry? (i.e. non-competitor, Federal Reserve, SEC, NASD, State Insurance Commissioner, etc.) Some people can separate the wheat from the chaff and some can not. . An Internet web page who are you kidding! My teenage daughter knows enough not to use an internet source for information. This is proffered to correct any misconceptions you may have about our company! You no longer have the profile of the type person I'm looking for. Good luck in your continuing employment search efforts!" Very professional response from a VP, right??? Thanks to all that saved me. Walter Baltimore, Maryland
U.S.A.