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Also, I agree that Primerica does not have the cheapest products. But we strive to have th BEST products. For example: do these other policies you speak of have guaranteed insurability? Do they offer an Increasing Benefit Rider? Do they have Waiver of Premium? There’s a big difference between “cheap” and inexpensive quality products. These are just a few of the bells and whistles that Primerica offers with EVERY policy, no questions asked.
And how about integrity? Do you know how many insurance companies out there refuse to pay death claims? People pass away, family’s are distraught emotionally/financially and you went with a company that decided to leave the underwriting process until AFTER the person dies. Then they go back through your family history and try to find anything that will stop you from being qualified for your death claim. Is that your company? I dunno.. If it was all about cheap, you should have group coverage with your job and mortgage insurance right? And how have those two products helped anyone? You don’t wanna get personal Life insurance cause “I’ve got group, it’s the cheapest” then you get fired from your job, get Cancer and now nobody will insure you..
I can tell you story after story which I know personally where Primerica has gone over and above it’s duties/obligations to their life clients because it was the right thing to do. That’s the type of company I’d like to work for. Do you work for a company that offer’s “Whole Life” life insurance to the average family? IF so, then you’re out of integrity.
It’s not always about who’s prices are cheaper, as you mentioned it’s about doing what’s right. And Primerica does what’s right ALL OF THE TIME. Most people can’t say the same thing. But if you can, more power to you. If your insurance companies underwrite their policies before they’re issued, and if you offer 35-40yr term insurance policies, and if you have all of the qualities listed above in your policies then you go boy! If not, then you’re in a position to Judge Primerica.
As far as investing is concerned, a mutual fund is a mutual fund. Whether you offer 100 funds to the public or 1000 funds, 80% of mutual funds aren’t worth owning at any price. Only a handful. And Primerica markets some of the best mutual funds in the industry. You can read my earlier posts to the FB for names in particular. As long as you’re averageing 8-12% on your investments, WHO CARES how many funds you offer. Does it really matter if you have more funds to offer the public that perform like crap?
Lastly, FB I haven’t forgot about you. I’ve been away on vacation for a while but I remember that I promised you those numbers on our S.M.A.R.T loan product remember? I will get that to you asap so you can see how it really works. You gotta switch your mortgage man!!
At the end of the day, there’s always going to be haters out there. I think this will be one of my last posts. People just hate for no reason. If you’re with a company that can take someone from making 30k a year (getting screwed by a bank – and knows nothing about money)… you take that person and turn them into a millionairE over time via good investment advice or a business opportunity.. you get that person out of debt 10-15 years sooner than he was on track for (Before he ever met you) and you properly protect his family with one of the best term policies on the market from the compay that pioneered BTID…… If you want to hate on that then I can’t argue with you. I can’t win that discussion because the opponent is not logical. so I’m signing off. I’ve left enough positive information on this website to last a lifetime. For those who are really interested in becoming a Primerica client, or joining the company just read my posts/rebuttals and you will have a great understanding of what the company is all about. If you choose to believe internet bloggers like “answer this” talkin’ bout increase your trailing commissions, ownership of clients and all that other (me,me,me,me) talk then more power to you.
Cheers,
V
p.s. Books of Choice: Rich Dad Poor Dad, Think and Grow Rich, The Millionaire Next Door, Start Late Finish Rich, Secrets of the Millionare Mind, The 4:8 Principle, Success is Not an Accident, The Wealthy Barber, and anything by Donald Trump or Warren Buffet.
PEACE and LOVE!
I am going to make this simple. After you read this, go back and read all of the previous posts. I landed at this site this evening because I was blindsided into wasting 2 hours of my day listening to a Primerica RVP sucker me into joining this joke of a MLM. I wanted to see what others were saying. The amount of typos, incorrect spelling, grammar mistakes and, my favorite, invented words that I have read on this site convinced me to run as far away from this crap as I can. Call it arrogance. I don’t care. It says a lot about someone if they present themselves like an 8th grade dropout. I hear the replies. Money this, I make that, I drive this. Wake up. Learn a trade. Go back to school. Or, if you must be in finance, you can do all of this with other companies that actually sell products. If you want to recruit people and sell a dream with nothing tangible attached, try religion. That has been working way before 1971.
RE ( HolySmokes ) For your information ( HolySmokes ) Primerica was rated A+ by the BBB.
V….There’s also a business side people are sold on when they are presented with the Primerica opportunity. You are an independent business person with Primerica and not an employee. If you can live with the contract knowing what you know now I say great. Me I couldn’t do it. I don’t have a hate for Primerica. The more policies you place the more I can replace. I say don’t believe anything I say, do some research on your own. Have you ever considered why some companies pay commissions on submission? Do you know how dangerous that can be for chargebacks? I’m sure you know what chargebacks are. If not ask your RVP. Do you know in many states post underwriting is illigal? Have you ever heard of the incontestability period? You see I have been in Primerica and i am outside of Primerica. I see both sides of the issue. I don’t hate PFS. It’s business. On the business side i have to do what’s in my best interest and to me immediate ownership and access to many different carriers and products and having the freedom to build my business as I feel is in my best economic interest. Just as it’s in Primerica’s best interest to contractually have ownership of your clients and downline for whatever period of time they require.
Now of course i’m concerned on fees and renewals. Don’t you teach the rule of 72? When i was at PFS renewas were not paid to anyone under RVP on certain products. Currently are renewals paid to reps. under RVP on LTC and the legal plan? If someone bypassed the middle man (PFS) and contracted for that business outside of PFS they would be paid renewals. As for policy bells and whistles yes other companies have those features. If you looked around you would also see more generous terminal illiness benefit. You don ‘t know what you don’t know. I was once the same way so I understand. So leave the message board if you must, but your contract is still the same.
In business you should always consider an plan. So I ask. If you left PFS, what could you take with you per contract? Currently if I wanted to join Primerica I have the option of bringing on my whole team if they wanted to follow me, and get this I could ask for a higher starting commission level form the RVP. I do know at one time RVP’s had descreation on hiring people at different levels. Did you know that? It’s not just about BTID. There’s also a business side. Prove what I say is wrong. Read your contract and get some quotes.
Do you really think Warren Buffet and the likes of Donald Trump have Term insurance. Even Dave Ramsey tells his audience to shop different companies with Zander. You can’t debate facts. See you at the top.
Your so concerned with the image of Primerica you can ‘t see that i’m just giving you information. If after you get the info. and still stay at PFS that’s your personal business decision. Primerica or your RVP doesn’t care about you. Have you ever wondered why they will talk up some new person who does some impressive numbers and then you don’t heaqr of them again? It’s because they went through their warm market and after they go through their warm market they have to compete against other companies.
As I said before it’s business. Your loyal to them, but to them your just a number. “Throw them against the wall and keep who sticks”..That say alot and i’m sure you have heard that saying in PFS..Think about it… It’s ok to have confidence in your company, but don’t give them your mind. Primerica isn’t A.L Williams..They are two different animals. Read the book Coach.
Dude! you’re getting $900 as an amateur, probably with someone by your side, helping you at the beginning, for a measely 1 sale! And you’re complaining? Shit!
Why is Real Estate not considered a pyramid scheme!!!!!!!!!!!!!!!!!? Why are people so anal about the dude who hired them making a couple bucks? Your parents are in that boat, if they’re not self employed, and so do all of your relatives, and friends, if they’re not self employed. So why is it ok for some Employer to hire you and pay you $10/hr, and make the other $40/hr of your work??
You said it yourself, it’s not a pyramid scheme. You’re just trying to justify to yourself that it is, to make yourself feel better about your decision. They tell you straight up that it’s not for everyone! Business is not for everyone. Do you think those corner store owners are rolling in money and have no stress? Probably no to both. Tim Hortons has a dude who owns all the chains. He sits on his ass in the Bahamas drinking a cold beer, and the cash just rolls in. Then you have some VP or CEO below him that do some work, but play golf every other day. Then you got the Higher Managers, who lets say invested tons of money in a location. They make a ton of money, but have a ton of stress. Then you have Manager assistants, who have a lot of stress, and no money. Then you got highschool kids, and immigrants who can’t speak fluently some times. They get the $8-10/hr; have to make a sandwitch in 25seconds!!!!!!!!!!
How is that not a pyramid???????? Just think about it.
Like I said, you’re just trying to convince yourself that Primerica is a pyramid scheme, while it acts just like any other company/organization/business.