stephs_chef
- 28
Is Primerica a Legitimate Opportunity? A Random Phone Call Has Me Curious.
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Discussion Overview
The thread discusses participants' experiences and opinions regarding Primerica, a financial services company, following a recruiter's phone call to one user. Various viewpoints are shared about the company's practices and legitimacy.
Discussion Character
- Opinion-based
- Anecdotal
- Debate/contested
Main Points Raised
- One participant received a phone call from a Primerica recruiter and questioned how they obtained their contact information.
- Another participant shared a Google search link, noting that Primerica operates on a direct marketing basis but did not have personal experience with them.
- One participant, identifying as a consultant, expressed a negative experience with Primerica, highlighting high costs for meetings and a lack of valuable content.
- Another participant mentioned a neighbor who worked for Primerica but lost their job after two years, describing the situation as "fishy."
- Several users advised against engaging with Primerica, using phrases like "run away" and "danger."
- One participant recounted a lengthy training experience that they found unhelpful, emphasizing the time commitment involved.
- Another participant described a meeting where a leader displayed their paycheck, which they found off-putting.
- One user noted that they still hold a term life insurance policy with Primerica but have not yet experienced their customer service.
- Another participant shared that they were initially excited about the opportunity but became wary after hearing negative feedback.
Areas of Agreement / Disagreement
Views differ significantly among participants, with many expressing negative experiences and skepticism about Primerica, while a few do not share strong opinions.
Contextual Notes
Participants shared personal anecdotes and experiences related to Primerica, focusing on their interactions with the company and its practices.
Who May Find This Useful
Consultants considering opportunities in financial services or those curious about Primerica's business model may find this discussion relevant.
NooraK
Gold Member
- 5,854
Chefstover2
- 593
Stay very very far away form them. DH signed with them a bunch of years back. They sell insurance and financial products. All one-on-one, "kitchen table" work and mostly by referrals. Lots of meetings, you have to go through insurance and mortgage licensing if you wish to sell.
DH was told that they had their regional meeting and he "had" to be there b/c it would make his business soar. $375/per person to go for two days plus hotel and travel over New Years. I went with him...and counted (are you sitting down) 18 hours of recognition!!! One keynote speaker and one New Year's Eve dinner. After experiencing PC conference, where they start and end on time, I was disgusted that they started late and went (significantly) over every time.
We lost out on a lot of time and money with that company. Just my two cents based on my experience. Perhaps someone else has had a better experience, but i would'nt recommend them (except as maybe a customer b/c their products were competitive).
DH was told that they had their regional meeting and he "had" to be there b/c it would make his business soar. $375/per person to go for two days plus hotel and travel over New Years. I went with him...and counted (are you sitting down) 18 hours of recognition!!! One keynote speaker and one New Year's Eve dinner. After experiencing PC conference, where they start and end on time, I was disgusted that they started late and went (significantly) over every time.
We lost out on a lot of time and money with that company. Just my two cents based on my experience. Perhaps someone else has had a better experience, but i would'nt recommend them (except as maybe a customer b/c their products were competitive).
nene960
- 186
Shell Northway
- 255
Went to a seminar of there's. How you can do this without having a license I don't understand. I worked for a finacial advisor for year's, what they said was the same don't put all of your egg's in the same basket, but it seemed they really wanted to sell long-term health care insurance. I would stay away from them too,
stephs_chef
- 28
cookn' katie
- 391
cburghart12
- 7
I know this is a previous thread.. but i agree!!! My husband and I tried it 3-4 yrs ago... for $200 a person... you had to sit thru 40 loonnnnnggg hours of insurance policy training.. which the only thing i got out of that is never buy whole life insurance.. buy term... but it was a waste of time. the confrence in orlando was a waste as well.... not to mention they had meetings every week and they wanted us to come to the other side of town to go to them.... yeah wont ever do that again! in fact the recruiter called me the other day, i was like im sorry were not interested!! RUN FAR AWAYYYY
kristina16marie
Gold Member
- 872
my dad got roped into them a few years back & made my husband and i go to a meeting w/him. OMG! it was really off-putting that the head guy made an overhead slide of his paycheck to show everyone. honestly that's why dh was not very supportive of pc when i started, but he finally saw the differences. we do however still have a term life insurance policy in effect with them, although since we haven't collected on it yet, i can't attest to their customer service yet! 
jla8279
- 100
flemings99
Gold Member
- 1,025
Frequently Asked Questions
What is Primerica and how does it operate?
Primerica is a financial services company that offers a range of products including life insurance, investment options, and financial planning services. It operates primarily through a network of independent representatives who sell these products and recruit new representatives, creating a multi-level marketing structure.
Is Primerica a legitimate business opportunity?
Yes, many people consider Primerica a legitimate business opportunity. It provides individuals with the chance to earn income through sales and recruitment. However, like any business, success depends on individual effort, skills, and market conditions.
What are the potential earnings with Primerica?
Earnings with Primerica can vary widely. Representatives earn commissions based on their sales and can also earn bonuses for recruiting new representatives. Some individuals may earn a substantial income, while others may find it challenging to make significant profits.
Are there any startup costs associated with joining Primerica?
Yes, there are startup costs to consider when joining Primerica. These may include fees for training, licensing, and marketing materials. It's important to review these costs and understand the financial commitment before joining.
What should I consider before joining Primerica?
Before joining Primerica, consider your sales skills, willingness to network, and ability to handle rejection. Additionally, research the company's reputation, read reviews from current and former representatives, and assess whether the business model aligns with your personal goals and values.
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