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2.7 107 Reviews

Primerica Complaints Summary

45 Resolved
62 Unresolved
Our verdict: Dealing with Primerica, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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J
10:03 am EST
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Primerica - stay away!

Not to talk good or bad about this company but this company does have a down fall. I am an agent of this company. Primerica likes to hype people up get them excited. And of course you'll be too I think. But the truth is that they wanna hire u... no matter who u are. 99 dollars and your in. They get you in by telling you, "you can make a lot of money, more...

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4:49 pm EST
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Primerica - iba refund

Not able to get IBA refund. Made several calls. Received several telephone numbers to call and fax to cancel my membership with Primerica. I do not want the run around. I just want to cancel.

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3:00 pm EST
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Primerica ripped off

Chris Jones, will make all kinds of promises to get your money for radio air time and promise clients, but never delivers. Once he has your check, you have a hard time getting a hold of him. He does nothing more than RIPOFF the small business owner.

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10:16 am EDT

Primerica interview references without permission

I had a few minutes to myself so i thought i would get some more information on Primerica. You see, this woman named Sue calls me and leaves me a message and asks to meet me for an interview with 'her' company.

It was a strange message because she never said what the position was or the name of 'her' company. So I called her back. She sets up a meeting between her and I and requests for a resume and 5 refrences. I have never heard of any compnay asking for 5 refrences right away, maybe three but this should happen later on.

Something just did not make sence. So after taling with my wife I called her back to get more info... Talk about B.S. answers and getting tounge tied, she was a mess. I told her I was not interested in the interview, before I can hang up she asks me if I am set for retirement, I ask myself, what the hell is going on here and hang up.

What a sneeky way to get employees and those 5 refrences she wanted, now this is a guess but i bet it was to recruit my refrences too. She gave me some stupid excuse about asking my refrences and my background and history, like i would give her people that would say i suck. This lady was a idiot.

Then I see what is on google about Primerica All I can say is 'people beware' what a tactic they have to recruit. do not waste your time to meet these people.

Steve
mission viejo, California
U.S.A.

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Mg12
Drayton Valley, CA
Feb 01, 2011 6:41 am EST

Ummm I am pretty sure to the person who posted those letters that you are in breach of confidentiality. I am sorry your Rep screwed you over for sure. But at the same time you were very naive to give your credit card and your money to someone. If you lend out money to someone you run the risk of them screwing you over. You have to be more wise. Did you write up a legal contract, and have it witnessed to these loans? Protect yourself. As to the person who hates Primerica and wants to destroy it, ummmmmm grow up and focus your energy on doing good for people and get over hate. People are good and evil. Primerica has many many great and wonderful people who work for it and they have some excellent leaders. But they also have money greedy, unethical people. Its as ingorant as saying all Germans today should die because Hilter was a messed up sick man. You want to destroy a whole company based on the fact that a few ruin its reputation? You talk a lot of hate with no basis as to why you hate them so much. Who are you? What foundation do you have for your issues and what facts do you have to back them up?

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:01 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints there primericacomplaints.blogspot.com

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LIFE IS TOUGH
Nowhere, US
Apr 13, 2010 8:18 pm EDT

Haha, what a crybaby! So a lady called you and you looked up some things on the internet! Last time I checked the IPO from Primerica started at $15 and is now at$25. How's unemployment treating you by the way. Oh, collecting welfare? Food stamps? You are worthless and will die broke and miserable.

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legalcat
Gibsonton, US
Apr 12, 2010 1:16 pm EDT

What?
everything was one long run-on sentence...

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knar7
, US
Jul 14, 2009 10:43 pm EDT

Hi I'm Evelyn (kanr7) I what to know what happen whit my complain that I made the last week I 'm still waiting for a answer from you about the problem whit Julio Salazar (0E05021) probably I need to look for another source of help I can't belive that you support what Julio salazar did to me first Rvp rafael mejia now you why you can answer my email and tell me what happen to you to you company whit people like Julio salazar represent a big company like Primerica this is a shame for primerica this a shame that someone use your name just for recruit people then steal the money from them like happen to me.

-----Original Message-----
From: julissajv@inbox.com
Sent: Thu, 9 Jul 2009 23:53:42 -0800
To: help_callatlantabilling@primerica.com
Subject: Re: kanr7
Hi I'm Evelyn Kanr7 - again I want to know if you really take care of my complain if you have trobles to talk whit Julio Salazar (0E05021) about my complain about all this try to reach him to this phone #[protected] sorry if I bother you whit this but I need I want a solution to all this you can try to talk whit Julio salazar or Rafael Mejia RVP

thanks for your time

Primerica [http://www.yellowpages.com/info-10896893/Primerica]
1038 N Maclay Ave
San Fernando, CA 91340
[protected]
> -----Original Message-----
> From: help_callatlantabilling@primerica.com
> Sent: Tue, 7 Jul 2009 18:03:47 -0400 (EDT)
> To: julissajv@inbox.com
> Subject: Re: kanr7
>
> Your complaint has been forwarded to the Office of General Counsel and
> you will receive a response within 7 business days.
> Thank You and have a nice day
> CallAtlanta Billing
> AS
>
> ---- Original message ----
> >Date: Thu, 2 Jul 2009 13:29:17 -0800
> >From: "JULISSA J. V"
> >Subject: Re: kanr7
> >To: help_callatlantabilling@primerica.com,
> help_callatlantabilling@primerica.com
>>
>> Hi my name is Evelyn Juarez (kanr7) I worked in
>> the office of Rafael Mejia 1038 N Maclay ave,
>> Suite A San Fernando CA, 91340 The reason for this
>> email is because I want to file a complaint with a
>> person working at this office located in
>> California was a recruit of Julio Cesar Salazar (
>> Insurance Lincese # 0E05021 ) I was working with
>> Julio Salazar group, He asked me for a favor to
>> make a loan of money which came to the sum of $
>> 2723.00, but also I made another thing, he need a
>> computer for work in the office so one more time
>> he ask me for another favor because he don't have
>> good credit to buy something to credit so I we
>> decide to buy a computer for work in Primerica
>> using my credit. I lend my credit to him to
>> purchase a computer on my name to assist in the
>> work in Primerica first and decide to help him
>> once more time with the agreement that he going to
>> take full responsibility for making all the
>> payments on the computer with the company Dell.
>> unfortunately he did not do his part and the
>> company where we bought the computer call me that
>> I was late with all the payments. I talk whit him
>> about this why he don't made the payments for the
>> computer when we made a agreement to lend my
>> credit but always make the payments, and several
>> time actually I see myself obliged to put money
>> for my pocket to pay some money for the computer
>> because the company Dell always told me that they
>> going to send me to collection, but I can't afford
>> more this situation I don't have the money to pay
>> this bill because is not my bill I know is my
>> credit but I just trying to help him whit this
>> favor to work in Primerica I was really upset whit
>> Julio Salazar asked him for my money That borrow
>> him before and also for the money that I put for
>> pay some months for the computer and the most
>> important thing to be serious whit that agreement
>> that we made whit all the payments for the
>> computer and my money back .He refused to do his
>> part whit our agreement, So I decide to put my
>> complain to the RVP Rafael Mejia Rafael he ignore
>> my complaint whit the problem of the money and the
>> agreement that we have whit the computer saying
>> that the problem was between Julio Salazar and
>> myself not from office I explain him why I decide
>> to all for Julio Salazar my purpose just want to
>> help him specially whit the purchase of the
>> computer that was good to work in Primerica for
>> the whole group Of Julio S ( Dragon's Team)that
>> the name of the group of Julio's, Rafael Mejia
>> understood all this problem but he still ignored
>> my complain because I decide not to be part of the
>> office after all embarrassment situation could not
>> continue in the company of Primerica, Julio S ruin
>> my credit send me to collection missing to his
>> oath whit the agreement that he made to take
>> responsibility to pay the computer and also to
>> return my money back that I borrow him, I feel bad
>> because Rafael Mejia decide practically support
>> him because I decide not work whit them and Julio
>> Salazar still whit him. Now you are only source
>> that I have for me because you cannot be possible
>> to allow people like Julio Salazar continue using
>> Primerica to recruit people to work whit him in
>> Primerica pretend to be a good person ask for help
>> and them ignore this favor swindling a recruit and
>> don't pay his debt, and also to allowing him to
>> use Primerica your name in court in front a judge
>> of his hypocrisy I have letters signed for him
>> that he would be responsible for paying all the
>> debt including the computer payments and the money
>> that I borrow him but he just ignored never pay me
>> I'm still waiting for my money back, he never made
>> the payments to dell company he ruin my credit and
>> send me to collection for lack of payments to
>> Dell. I feel desperate about this you as an
>> organization and big company have to do with this
>> person working in your company that you are
>> supposed to help those across it represents like
>> Julio Salazar give a bad representation to the
>> name of Primerica he use this name to the laws of
>> this country to lie saying to a judge that we
>> never made an agreement, because I don't have
>> another option to take all this problem to court
>> because RVP Rafael Mejia he decide do nothing with
>> Julio Salazar, and my friend that also work in
>> Primerica told me that I can put my complain whit
>> you the headquarter of the company my friend told
>> me that this is not allow the someone nobody can
>> ask for money to their recruits I didn't know
>> about this I just want to make a favor, and Julio
>> Salazar he knows about the rules that you have in
>> your company and also RVP Rafael Mejia. Please
>> don't ignore my complain too please help me whit
>> all this situation please tell me if I can trust
>> in you. is a shame for Primerica that people like
>> Julio Salazar represent your name in front to a
>> judge in court and pretend that nothing happen
>> that all this is nothing whit someone who worked
>> in Primerica that not only ruin my credit and
>> never pay me back my money he ruined my
>> perspective about the people the recruit people to
>> work whit him in Primerica and for the other
>> people that know about this problem whit his
>> irresponsibility of our agreement .here I send you
>> a example of the copy of the paper that he signed
>> to me and you can give you a idea about all.
>> Thanks for your time I hope that you can
>> understand my difficult situation thanks
>>
>> ----
>> Example Letter
>> To whom it may concern :
>>
>> This letter is to notified Mr. Julio Salazar to
>> take full responsibility for the payment for the
>> computer which he ask me as a favor to help him as
>> a
>>
>> co. signer duo to his financial negligence my
>> personal credit is been affected there for Evelyn
>> Juarez demand of Mr. Julio Salazar full financial
>> responsibility of payment or I will take legal
>> action against him. I will also write a letter to
>> Primerica Financial Service head quarters letting
>> them know about Mr. Julio Salazar behaviors whit
>> his recruits.
>>
>> Julio
>> Salazar .
>> Evelyn Juarez
>>
>> __________________ _________________
>>
>> Firm Att.
>>
>> Julio Salazar Loan
>>
>> This letter is to notified Mr. Julio Salazar that
>> I Evelyn Juarez demand to him full payment in the
>> amount of $ 2, 723.00 as a personal loan that I in
>> good faith lent him, which he gave his word to pay
>> me back by January 2007 which as of today it
>> hasn't been paid not even a single payment.
>>
>> I Evelyn Juarez give to MR. Julio Salazar the
>> option to pay me in one lump sum or 3 equal
>> installments stating July 11th 2008, in case that
>> Mr. Julio Salazar refuse to agree to this terms, I
>> will take legal action to Primerica Financial
>> Service, the unprofetional behaviors of Mr. Julio
>> Salazar whit his recruits.
>>
>> Julio
>> Salazar.
>> Evelyn Juarez
>>
>> ______________
>> __________________
>>
>> Firm.
>> Att.
>>
>> -------------------------------------------------
>>
>>
>>
>> > -----Original Message-----
>> > From: help_callatlantabilling@primerica.com
>> > Sent: Sat, 27 Jun 2009 19:58:29 -0400 (EDT)
>> > To: julissajv@inbox.com
>> > Subject: Re: kanr7
>> >
>> > We apologize for the inconvenience. Can you
>> please send your request in
>> > English. We currently do not have a translator.
>> If you have any questions
>> > or concerns please call [protected], press 1
>> for billing, and 0 to speak
>> > to a representative.
>> >
>> > Thank you
>> > KV, CallAtlanta Billing
>> >
>> >
>> > ---- Original message ----
>> > >Date: Fri, 26 Jun 2009 16:29:45 -0800
>> > >From: "JULISSA J. V"
>> > >Subject: kanr7
>> > >To: help_callatlantabilling@primerica.com
>> >>
>> >> Hi my name is Evelyn Juarez ( kanr7 ) I worked
>> in
>> >> the office of Rafael Mejia 1038 N Maclay ve,
>> suit A
>> >> San Fernando CA, 91340 la razon de este email
>> es
>> >> porque quiero poner una queja con una persona
>> que
>> >> trabaja en esta officina localisada en
>> california
>> >> era una recluta de Julio cesar Salazar estabajo
>> con
>> >> el grupo de Salazar el me pidio un favor que le
>> >> hiciera un prestamo de dinero el cual llego a
>> la
>> >> suma de $2, 723.00, tambien le preste hice
>> presatmo
>> >> de mi credito credito comprando una computadora
>> a mi
>> >> nombre para ayudar en el trabajo de primerica
>> acepte
>> >> y decide ayudarlo un vez mas con el acuerdo que
>> el
>> >> iva a tomar toda la responsabilidad de hacer
>> los
>> >> pagos de la computadora quese le hizo a la
>> compania
>> >> Dell. lamentablemente el no cumplio con su
>> parte, le
>> >> pedi el dinero que se le havia prestado tambien
>> que
>> >> terminara de hacer los pagos se nego hacerlo,
>> por mi
>> >> parte me queje con Rafael Mejia el RVP Rafael
>> ignoro
>> >> mi queja diciendo que este problemas era entre
>> los
>> >> dos no de la compania Primerica cuando sabia
>> que se
>> >> havia hecho bajo un acuerdo que era para ayudar
>> con
>> >> el grupo de Julio Salazar por motivos que yo no
>> pude
>> >> seguir en la compania primerica por este
>> problema
>> >> con Julio Salazar rafael mejia decidio apoyar a
>> >> julio Salazar, ahora estamos llevando este caso
>> a
>> >> corte, decidi contactarlos ya que ustedes son
>> una
>> >> esperanza para mi porque no se puede ser
>> posible que
>> >> permitan que personas como Julio Salazar siga
>> ab
>> >> usando de su nombre de Primerica mitiendo ante
>> una
>> >> corte ante un Juez de su hipocrecia tengo
>> cartas
>> >> firmadas por el de se haria cargo de pagarme mi
>> >> denero mas haria los pagos a la compania Dell
>> de la
>> >> comtadora, no a pagado la deuda tambien aruino
>> mi
>> >> credito mandandome a colleccion por falta de
>> pagos a
>> >> DEll. me siento desesperada ante esto ustudes
>> como
>> >> una organisacion tienen que ver con las
>> personas que
>> >> trabajan en su compania se supone que ustedes
>> estan
>> >> para ayudar atravez de quienes lo representa
>> mas sin
>> >> embargo el Sr. Julio Salazar perdica su nombre
>> de
>> >> Primerica ante las leyes de este pais, por
>> favor
>> >> digamen si me pueden ayudarcon esto y hablar
>> con
>> >> Julio Salazar y con Rafael Mejia de como pueden
>> >> permitir que pase esto dentro de su compania de
>> >> Primerica es un verguenza que personas como
>> Julio
>> >> Salazar reclute personas solo para
>> >> estafarlas.gracias por su tiempo
>> >>
>> >> loan. $2723.00
>> >>
>> >> Dell computer now. $2046.22
>> >>
>> >> total; $ 4769.22
>> >>
>> >> phone [protected]
>> >>
>> >>
>> ------------------------------------------------
>> >>
>> >> Email Notifier Preview
>> >> Receive Notifications of Incoming Messages
>> >> Easily monitor multiple email accounts & access
>> them
>> >> with a click. Visit www.inbox.com/notifier [http://www.inbox.com/notifier] and
>> check
>> >> it out!
>> > Thank You.
>> > CallAtlanta Billing.
>> > (Please include your solution number and this
>> email if you are going to
>> > reply to this message.)
> Thank You.
> CallAtlanta Billing.
> (Please include your solution number and this email if you are going to
> reply to this message.)

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CCFD
Little Elm, US
Feb 14, 2009 7:55 pm EST
Verified customer This comment was posted by a verified customer. Learn more

Just because one person went about the process wrong, don't kill the company over that. To say don't waste your time meeting with someone from Primerica is going a little far. What Primerica does for the middle income families is a great thing. Does that mean that they are perfect, no, but they have helped thousands of families over the past 32 years. I am sure that if we googled the company that you work for, we could find some negative things about them too. For instance, I think that most would agree that "God" is inherently good. However, if you google "God", you will find some negative things on there also. So, to all of those who may read this, make sure that you get all of the facts before passing judgment. Make sure that you are reading facts, not just opinions.

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9:52 am EDT
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Primerica - cult

My husband got 'hired' by Primerica about two months ago through CareerBuilder.com. He has a bachelors degree in Public Relations, has no experience in financial industry and had never taken a single class in finance but was looking for a sales job. Needless to say, he was an easy target for Primerica's smooth talkers. Just two days after he got recruited...

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10:33 am EDT
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The complaint has been investigated and resolved to the customer’s satisfaction.

Primerica scam and cheating

Well I am a Sales Executive at a Co. that relates with the oil industry. Until one time one of my long time not seen friends, invited me to joint Primerica. So I did. Well, at first it sounded good. But days after I started to go to their meetings. They made me to purchase an insurance before even starting to work with them. It was not a have too. But it seem like it was. to make it short, after I did all of my best to reach what they wanted me to do. So I sold in the first month more than 8 policies. Since I was not a register agent I did not get a penny, so the RVP got all of it. And guess what I did not reach the goal that they wanted me to reach for my promotion. It is a time consuming deal and not worth to do it. I say no more to PRIMERICA.

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Sandra Lancaster
Athens, US
Nov 23, 2010 1:34 am EST

A. The policy is absolutely guaranteed level, thats almost an insulting question to think I would miss that
B. Hidden Fee's? It's term life insurance, $60 policy fee per year built in to the premium
C. I didn't buy life insurance from an insurance company called "YourLifeSolution.com" I bought through them, its an independent agency run by a younger man named Eric Smith from Chicago
D. Term life insurance is basically a commodity, the only reason Primerica cost more is because of their inefficient business model
E. I think you should give this website some credit, Eric quoted Primerica for me when I asked for a quote, don't you think that is really an objective thing to do?

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Proudprimerica
San Diego, US
Nov 22, 2010 6:07 am EST
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To Sandra you recently purchase your term life to this company yourlifesolution.com check your policy if the rate is flat till it will lapse the term, sometimes cheaper is not good all the time, you have to consider the quality of the business, check if there's hidden fee's, rates wont change, do " Due diligence" and overview of that company. I have a lot of positive feedback regarding claims from Primerica, my co worker from BIOTECH company her husband died and she got her claim within a week and Primerica is been around more than 30 years and I know this company wont be dissolved anytime soon. So I am confident with my life term through Primerica, i have peace of mind.

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Sandra Lancaster
Athens, US
Nov 22, 2010 4:21 am EST

Here is the Primerica rate vs the best rate. So much for doing to best for clients, eh Primerica

30year old 1million 20yr pref plus
Primerica Rate $56.53
Best Rate $37.83

35year old 1million 20yr pref
Best Rate $54.74
Primerica Rate $83.13

40year old 2million 20yr standard
Best Rate $243.08
Primerica Rate $316.83

Looks like Primerica doesnt even come close. Not only are they a pyramid scheme, but their rates are terrible. There is no winning with Primerica.

PS I bought my life insurance through YourLifeSolution.com which is where these quotes came from

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:02 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints there primericacomplaints.blogspot.com

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Proudprimerica
San Diego, US
Jul 21, 2010 4:01 pm EDT
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Sadly, over 70% of the life insurance policies sold today are cash value policies. A cash value policy is an insurance product that packages insurance and savings together. Do not invest money in life insurance; the returns are horrible. Your insurance person will show you wonderful projections, but none of these policies perform as projected.
Example of Cash Value

If a 30-year-old man has $100 per month to spend on life insurance and shops the top five cash value companies, he will find he can purchase an average of $125, 000 in insurance for his family. The pitch is to get a policy that will build up savings for retirement, which is what a cash value policy does. However, if this same guy purchases 20-year-level term insurance with coverage of $125, 000, the cost will be only $7 per month, not $100.

WOW! If he goes with the cash value option, the other $93 per month should be in savings, right? Well, not really; you see, there are expenses.

Expenses? How much?

All of the $93 per month disappears in commissions and expenses for the first three years. After that, the return will average 2.6% per year for whole life, 4.2% for universal life, and 7.4% for the new-and-improved variable life policy that includes mutual funds, according to Consumer Federation of America, Kiplinger's Personal Finance and Fortune magazines. The same mutual funds outside of the policy average 12%.
The Hidden Catch

Worse yet, with whole life and universal life, the savings you finally build up after being ripped off for years don't go to your family upon your death. The only benefit paid to your family is the face value of the policy, the $125, 000 in our example.

The truth is that you would be better off to get the $7 term policy and and put the extra $93 in a cookie jar! At least after three years you would have $3, 000, and when you died your family would get your savings.
A Better Plan

If you follow my Total Money Makeover plan, you will begin investing well. Then, when you are 57 years old and the kids are grown and gone, the house is paid for, and you have $700, 000 in mutual funds, you'll become self-insured. That means when your 20-year term is up, you shouldn't need life insurance at all – because with no kids to feed, no house payment and $700, 000, your spouse will just have to suffer through if you die without insurance.
Don't do cash value insurance! Buy term and invest the difference.

Term Insurance vs. Cash Value Insurance

Life insurance
...most people don’t like to think about it, but most people need it. You protect your car and house, but what about your biggest asset? Yourself. Most things in your life right now are liabilities. The rule of thumb is that if something is taking money out of your pocket, it is a liability. Anything putting money into your pocket is an asset. Your house and your car, unless they are paid off, are liabilities. You and your income, on the other hand, are assets. Life insurance, unfortunately, does not insure your life, thus, it would be better to call it income protection, since it is used to provide income to a family in the event of an untimely demise.

Know What You Need

One rule of thumb is to multiply your income by 10 and that is the amount of life insurance coverage you will need on yourself. For example, if you currently make $50, 000 a year at your job, you will probably need $500, 000 coverage. This will provide a $50, 000/year income to your family for at least 10 years (even more if invested properly.

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Proudprimerica
San Diego, US
Jul 21, 2010 3:58 pm EDT
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One unique feature of the life insurance industry is that agents must be licensed to do business. Obviously, the most compelling reason to require licenses for agents is to ensure they're highly qualified to handle a client's finances. Obtaining a life insurance license requires completion of licensing classes and an exam administered by the state in which the agent does business.

With abundant opportunities to service a clearly defined target market that desperately needs insurance coverage, Primerica is leading in helping new candidates become certified. For $99, candidates can join Primerica and, with a $25 monthly fee, they have access to powerful pre-licensing training tools such as the life online exam simulator and many other business-building tools. Additionally, all costs associated with the life insurance exam and the securities exam are included.* "If candidates actually follow our plan by attending pre-licensing classes and scoring well on the life online exam simulator software, we guarantee they will pass the exam or Primerica will pay for the retest, " Morrow says. "You can't go anywhere in the life insurance industry as an independent contractor and have this great of an entrepreneurial roadmap for licensing success."

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Proudprimerica
San Diego, US
Jul 21, 2010 3:57 pm EDT
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Being employee or independent business for Primerica.You should represent your product first . "How do you know if your products are better than competitors without trying it first. There's certain SOP to get promotion, Primerica pays for your education and license. then make money comes in after license "Best Deal EVER"

I have seen a lot of people become successful in this business. I love Primerica, they pay for your education, school, materials all the way through and help you get your license. We are regulated by SEC. and department of Insurance. and doing good for 33 years with 100% compliance.

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8:31 am EDT
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Primerica terrible experience

I think you need to educate your reps. Stop telling people you are hiring them. Instead they are hiring you because they are paying the company money. Be honest with your clients when you are recruiting. I am not looking for a boss when I start my own business. And if I get a job, I am certainly not going to pay my boss to get started. So now I am weary of this business, because my niece referred me and did not get one red dime for it. What's the point?

What's the real deal about primerica.

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usedbyprimerica
Chula Vista, US
Dec 17, 2012 6:17 pm EST

I believe that Primerica could be a great company, however, greedy people get in the way. I joined primerica in 2011 and I was really excited to be part of a team who's ultimate goal was to make money along with me. Oh boy, it sure was a dissapointing experience I was used and abused by my RVP and those in between me. They stole the sales of people I recruited in the business. I brought so many people into the company but unfortunately they were as disappointed as me as soon as they heard negative coments coming form my RVP and his posee (Desi Torrez and Gloria Plascencia from San diego, CA) about me. I believe that people who are greedy are dream crushers. I am a stronger person now because of this experience. I hold back instead of quickly responding to others request. I wish averyone well and in the future I may join the company but not under greedy, disrespectful people. I am sking for caring leaders. good luck eveyone.

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:04 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:02 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints there primericacomplaints.blogspot.com

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Proudprimerica
San Diego, US
Jul 21, 2010 4:21 pm EDT
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I just started and getting my license soon, but I am making money now from car insurance, prepaid legal, credit card consolidation $2, 000 monthly is not bad for part time job.My group is making good money, for 1 1/2 hour of work making $1, 200.00, this is very good part time income. My RVP's doing 2x2 and set for whole month. mortgage payment, etc etc expenses. I am just tired of corporate world..getting up 7 am and training people without any compensation. Primerica is awesome company..gives you freedom

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California and Georgia Rep
Fairburn, US
Mar 06, 2010 1:27 am EST

I have read alot of these post and the comments are from people who have no clue what they are talking about. PFS is a great company. I have been a rep for 6 years and enjoyed every bit of it. I started part time for 1 1/2 years, and went full time after FOLLOWING MY PLAN getting out of debt (debt free for 3 years now), saved over a years salary, and became fully licensed. I serve over 600 families, and yes I recruited over 450 of them at one time or another. I make this point out because people misunderstand PFS purpose for recruiting. We recruit to give people an opportunity to learn how to properly manage their finances by giving them the BASIC understanding how financial institutions take advantage of them. Rule of 72, buy term and invest the difference, compounding interest, good debt vs bad debt, and Theory of decreasing responsibility is what EVERYONE needs to know and SHOULD know. Now it is true most people quit at some point, but when they do quit, they have been taught how to read their policies, contracts, and accounts when it comes to their money and can make the right financial decisions. Then of course you have some, like myself, who make Primerica a career and build a great business with it.

I also keep reading post how "expensive" our term insurance is, and I have yet to find anyone to tell me where I can find cheaper term insurance! I am NOT saying Primerica has the CHEAPEST insurance, but we are DEFINATLEY in the top 5 cheapest term insurance that is rated A or higher. Prove me wrong!

I invest my clients money in Van Kampen, American Funds, or Legg Mason mutual funds. Last I checked (this week) PFS does not charge any charges. The fees associated with the mutual funds are set by THOSE companies and we earn a portion of those fees as our commission (which by the way is the same if you were to go invest with any other firm).

I have Esurance for my auto insurance for 2 years now (through Primerica) and saved $89 a month from what I was paying with State Farm and have better coverage.

Prior to becoming a rep with Primerica, I had a VUL with a so called reputable company. I was paying over $250 a month for $500k of coverage for my wife and I. I know have over $1 million in protection for my wife and I for less than $100 a month! And yes I DO invest the difference in a ROTH IRA.

I do have an adequate emergency savings in a money market mutual fund that has served me and my family well.

And last but not least, I have worked with a company prior to working with PFS that sold VUL's and EIU's. I have learned the concepts taught by PFS and they just make sense. I have became a believer in PFS's business and client philosophies and have build a great business with it. I am NOT finacially independent but I am free and make decent money in Primerica.

One other thing, as I stated before, I was with a different company before Primerica and obtained my life license and securites license PRIOR to Primerica. I had to pay about $250 for my life license and $700 for my securities license (cost of classes and test). With Primerica, you pay $99 (which DOES NOT GO to the person who recruited you becase we don't make any money from recruiting) and if you follow the training system, ALL of your licenses will be paid for by Primerica and YES THEY ARE YOURS!

FOR THOSE OF YOU CONSIDERING Primerica, do not make your decision's based on the things people are typing on these types of sites because MANY of them do not know what they are talking about. Even take my opinion for what it is, AN OPINION! Go to the library and read some books on the subject. My recommendations are Dave Ramsey-total money makeover and Smart couples finish rich - David Bach. You want to read more about Primerica itself, read COACH - the Art Williams story or Wikipedia.com does a pretty good job with the history of Primerica or just go to Primerica's public website, Primerica.com and review the concepts for yourself and see if they make sense to you. Also check AM Best (www.ambest.com), and the BBB, just to name a few.

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Frank H.
Dededo, US
Sep 06, 2009 6:04 pm EDT

Marisol
I agree with JP (minus the profanity) It's not impossible to cancel your policy. Have you you tried to call your local PFS office? Give them a call and ask for their advise.

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Frank H.
Dededo, US
Sep 06, 2009 5:59 pm EDT

The claim made by this person seems a little suspicious. He claims that he doesn't understand why he can't make money in his first month with Primerica. Hello ! in order for you to make money you need to obtain a license sanctioned by your state (goes to show that Primerica adheres to regulatory compliance.) Each state's requires that ALL insurance agent attend life insurance classes to meet that particular state's licensing requirements. Secondly, this person stated that Primerica is a sales JOB. I beg to differ. Primerica is an opportunity, an opportunity to build your own business, be your own boss and not have to worry about being laid off and control your own time. Have you heard that it is no longer a" W-2 world but a 1099". If you had stayed the course and followed the person that recruited you I am sure you would have seen a better picture of this company called Primerica. Get your mind out of the "job menatality" think outside the box. Jobs are not the only way to make money and live.

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knar7
, US
Jul 14, 2009 10:48 pm EDT

Hi I'm Evelyn (kanr7) I what to know what happen whit my complain that I made the last week I 'm still waiting for a answer from you about the problem whit Julio Salazar (0E05021) probably I need to look for another source of help I can't belive that you support what Julio salazar did to me first Rvp rafael mejia now you why you can answer my email and tell me what happen to you to you company whit people like Julio salazar represent a big company like Primerica this is a shame for primerica this a shame that someone use your name just for recruit people then steal the money from them like happen to me.

-----Original Message-----
From: julissajv@inbox.com
Sent: Thu, 9 Jul 2009 23:53:42 -0800
To: help_callatlantabilling@primerica.com
Subject: Re: kanr7
Hi I'm Evelyn Kanr7 - again I want to know if you really take care of my complain if you have trobles to talk whit Julio Salazar (0E05021) about my complain about all this try to reach him to this phone #[protected] sorry if I bother you whit this but I need I want a solution to all this you can try to talk whit Julio salazar or Rafael Mejia RVP

thanks for your time

Primerica [http://www.yellowpages.com/info-10896893/Primerica]
1038 N Maclay Ave
San Fernando, CA 91340
[protected]
> -----Original Message-----
> From: help_callatlantabilling@primerica.com
> Sent: Tue, 7 Jul 2009 18:03:47 -0400 (EDT)
> To: julissajv@inbox.com
> Subject: Re: kanr7
>
> Your complaint has been forwarded to the Office of General Counsel and
> you will receive a response within 7 business days.
> Thank You and have a nice day
> CallAtlanta Billing
> AS
>
> ---- Original message ----
> >Date: Thu, 2 Jul 2009 13:29:17 -0800
> >From: "JULISSA J. V"
> >Subject: Re: kanr7
> >To: help_callatlantabilling@primerica.com,
> help_callatlantabilling@primerica.com
>>
>> Hi my name is Evelyn Juarez (kanr7) I worked in
>> the office of Rafael Mejia 1038 N Maclay ave,
>> Suite A San Fernando CA, 91340 The reason for this
>> email is because I want to file a complaint with a
>> person working at this office located in
>> California was a recruit of Julio Cesar Salazar (
>> Insurance Lincese # 0E05021 ) I was working with
>> Julio Salazar group, He asked me for a favor to
>> make a loan of money which came to the sum of $
>> 2723.00, but also I made another thing, he need a
>> computer for work in the office so one more time
>> he ask me for another favor because he don't have
>> good credit to buy something to credit so I we
>> decide to buy a computer for work in Primerica
>> using my credit. I lend my credit to him to
>> purchase a computer on my name to assist in the
>> work in Primerica first and decide to help him
>> once more time with the agreement that he going to
>> take full responsibility for making all the
>> payments on the computer with the company Dell.
>> unfortunately he did not do his part and the
>> company where we bought the computer call me that
>> I was late with all the payments. I talk whit him
>> about this why he don't made the payments for the
>> computer when we made a agreement to lend my
>> credit but always make the payments, and several
>> time actually I see myself obliged to put money
>> for my pocket to pay some money for the computer
>> because the company Dell always told me that they
>> going to send me to collection, but I can't afford
>> more this situation I don't have the money to pay
>> this bill because is not my bill I know is my
>> credit but I just trying to help him whit this
>> favor to work in Primerica I was really upset whit
>> Julio Salazar asked him for my money That borrow
>> him before and also for the money that I put for
>> pay some months for the computer and the most
>> important thing to be serious whit that agreement
>> that we made whit all the payments for the
>> computer and my money back .He refused to do his
>> part whit our agreement, So I decide to put my
>> complain to the RVP Rafael Mejia Rafael he ignore
>> my complaint whit the problem of the money and the
>> agreement that we have whit the computer saying
>> that the problem was between Julio Salazar and
>> myself not from office I explain him why I decide
>> to all for Julio Salazar my purpose just want to
>> help him specially whit the purchase of the
>> computer that was good to work in Primerica for
>> the whole group Of Julio S ( Dragon's Team)that
>> the name of the group of Julio's, Rafael Mejia
>> understood all this problem but he still ignored
>> my complain because I decide not to be part of the
>> office after all embarrassment situation could not
>> continue in the company of Primerica, Julio S ruin
>> my credit send me to collection missing to his
>> oath whit the agreement that he made to take
>> responsibility to pay the computer and also to
>> return my money back that I borrow him, I feel bad
>> because Rafael Mejia decide practically support
>> him because I decide not work whit them and Julio
>> Salazar still whit him. Now you are only source
>> that I have for me because you cannot be possible
>> to allow people like Julio Salazar continue using
>> Primerica to recruit people to work whit him in
>> Primerica pretend to be a good person ask for help
>> and them ignore this favor swindling a recruit and
>> don't pay his debt, and also to allowing him to
>> use Primerica your name in court in front a judge
>> of his hypocrisy I have letters signed for him
>> that he would be responsible for paying all the
>> debt including the computer payments and the money
>> that I borrow him but he just ignored never pay me
>> I'm still waiting for my money back, he never made
>> the payments to dell company he ruin my credit and
>> send me to collection for lack of payments to
>> Dell. I feel desperate about this you as an
>> organization and big company have to do with this
>> person working in your company that you are
>> supposed to help those across it represents like
>> Julio Salazar give a bad representation to the
>> name of Primerica he use this name to the laws of
>> this country to lie saying to a judge that we
>> never made an agreement, because I don't have
>> another option to take all this problem to court
>> because RVP Rafael Mejia he decide do nothing with
>> Julio Salazar, and my friend that also work in
>> Primerica told me that I can put my complain whit
>> you the headquarter of the company my friend told
>> me that this is not allow the someone nobody can
>> ask for money to their recruits I didn't know
>> about this I just want to make a favor, and Julio
>> Salazar he knows about the rules that you have in
>> your company and also RVP Rafael Mejia. Please
>> don't ignore my complain too please help me whit
>> all this situation please tell me if I can trust
>> in you. is a shame for Primerica that people like
>> Julio Salazar represent your name in front to a
>> judge in court and pretend that nothing happen
>> that all this is nothing whit someone who worked
>> in Primerica that not only ruin my credit and
>> never pay me back my money he ruined my
>> perspective about the people the recruit people to
>> work whit him in Primerica and for the other
>> people that know about this problem whit his
>> irresponsibility of our agreement .here I send you
>> a example of the copy of the paper that he signed
>> to me and you can give you a idea about all.
>> Thanks for your time I hope that you can
>> understand my difficult situation thanks
>>
>> ----
>> Example Letter
>> To whom it may concern :
>>
>> This letter is to notified Mr. Julio Salazar to
>> take full responsibility for the payment for the
>> computer which he ask me as a favor to help him as
>> a
>>
>> co. signer duo to his financial negligence my
>> personal credit is been affected there for Evelyn
>> Juarez demand of Mr. Julio Salazar full financial
>> responsibility of payment or I will take legal
>> action against him. I will also write a letter to
>> Primerica Financial Service head quarters letting
>> them know about Mr. Julio Salazar behaviors whit
>> his recruits.
>>
>> Julio
>> Salazar .
>> Evelyn Juarez
>>
>> __________________ _________________
>>
>> Firm Att.
>>
>> Julio Salazar Loan
>>
>> This letter is to notified Mr. Julio Salazar that
>> I Evelyn Juarez demand to him full payment in the
>> amount of $ 2, 723.00 as a personal loan that I in
>> good faith lent him, which he gave his word to pay
>> me back by January 2007 which as of today it
>> hasn't been paid not even a single payment.
>>
>> I Evelyn Juarez give to MR. Julio Salazar the
>> option to pay me in one lump sum or 3 equal
>> installments stating July 11th 2008, in case that
>> Mr. Julio Salazar refuse to agree to this terms, I
>> will take legal action to Primerica Financial
>> Service, the unprofetional behaviors of Mr. Julio
>> Salazar whit his recruits.
>>
>> Julio
>> Salazar.
>> Evelyn Juarez
>>
>> ______________
>> __________________
>>
>> Firm.
>> Att.
>>
>> -------------------------------------------------
>>
>>
>>
>> > -----Original Message-----
>> > From: help_callatlantabilling@primerica.com
>> > Sent: Sat, 27 Jun 2009 19:58:29 -0400 (EDT)
>> > To: julissajv@inbox.com
>> > Subject: Re: kanr7
>> >
>> > We apologize for the inconvenience. Can you
>> please send your request in
>> > English. We currently do not have a translator.
>> If you have any questions
>> > or concerns please call [protected], press 1
>> for billing, and 0 to speak
>> > to a representative.
>> >
>> > Thank you
>> > KV, CallAtlanta Billing
>> >
>> >
>> > ---- Original message ----
>> > >Date: Fri, 26 Jun 2009 16:29:45 -0800
>> > >From: "JULISSA J. V"
>> > >Subject: kanr7
>> > >To: help_callatlantabilling@primerica.com
>> >>
>> >> Hi my name is Evelyn Juarez ( kanr7 ) I worked
>> in
>> >> the office of Rafael Mejia 1038 N Maclay ve,
>> suit A
>> >> San Fernando CA, 91340 la razon de este email
>> es
>> >> porque quiero poner una queja con una persona
>> que
>> >> trabaja en esta officina localisada en
>> california
>> >> era una recluta de Julio cesar Salazar estabajo
>> con
>> >> el grupo de Salazar el me pidio un favor que le
>> >> hiciera un prestamo de dinero el cual llego a
>> la
>> >> suma de $2, 723.00, tambien le preste hice
>> presatmo
>> >> de mi credito credito comprando una computadora
>> a mi
>> >> nombre para ayudar en el trabajo de primerica
>> acepte
>> >> y decide ayudarlo un vez mas con el acuerdo que
>> el
>> >> iva a tomar toda la responsabilidad de hacer
>> los
>> >> pagos de la computadora quese le hizo a la
>> compania
>> >> Dell. lamentablemente el no cumplio con su
>> parte, le
>> >> pedi el dinero que se le havia prestado tambien
>> que
>> >> terminara de hacer los pagos se nego hacerlo,
>> por mi
>> >> parte me queje con Rafael Mejia el RVP Rafael
>> ignoro
>> >> mi queja diciendo que este problemas era entre
>> los
>> >> dos no de la compania Primerica cuando sabia
>> que se
>> >> havia hecho bajo un acuerdo que era para ayudar
>> con
>> >> el grupo de Julio Salazar por motivos que yo no
>> pude
>> >> seguir en la compania primerica por este
>> problema
>> >> con Julio Salazar rafael mejia decidio apoyar a
>> >> julio Salazar, ahora estamos llevando este caso
>> a
>> >> corte, decidi contactarlos ya que ustedes son
>> una
>> >> esperanza para mi porque no se puede ser
>> posible que
>> >> permitan que personas como Julio Salazar siga
>> ab
>> >> usando de su nombre de Primerica mitiendo ante
>> una
>> >> corte ante un Juez de su hipocrecia tengo
>> cartas
>> >> firmadas por el de se haria cargo de pagarme mi
>> >> denero mas haria los pagos a la compania Dell
>> de la
>> >> comtadora, no a pagado la deuda tambien aruino
>> mi
>> >> credito mandandome a colleccion por falta de
>> pagos a
>> >> DEll. me siento desesperada ante esto ustudes
>> como
>> >> una organisacion tienen que ver con las
>> personas que
>> >> trabajan en su compania se supone que ustedes
>> estan
>> >> para ayudar atravez de quienes lo representa
>> mas sin
>> >> embargo el Sr. Julio Salazar perdica su nombre
>> de
>> >> Primerica ante las leyes de este pais, por
>> favor
>> >> digamen si me pueden ayudarcon esto y hablar
>> con
>> >> Julio Salazar y con Rafael Mejia de como pueden
>> >> permitir que pase esto dentro de su compania de
>> >> Primerica es un verguenza que personas como
>> Julio
>> >> Salazar reclute personas solo para
>> >> estafarlas.gracias por su tiempo
>> >>
>> >> loan. $2723.00
>> >>
>> >> Dell computer now. $2046.22
>> >>
>> >> total; $ 4769.22
>> >>
>> >> phone [protected]
>> >>
>> >>
>> ------------------------------------------------
>> >>
>> >> Email Notifier Preview
>> >> Receive Notifications of Incoming Messages
>> >> Easily monitor multiple email accounts & access
>> them
>> >> with a click. Visit www.inbox.com/notifier [http://www.inbox.com/notifier] and
>> check
>> >> it out!
>> > Thank You.
>> > CallAtlanta Billing.
>> > (Please include your solution number and this
>> email if you are going to
>> > reply to this message.)
> Thank You.
> CallAtlanta Billing.
> (Please include your solution number and this email if you are going to
> reply to this message.)

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copernicus2009
, US
Jun 10, 2009 5:56 pm EDT

Gerald, I'm assuming that since you're apart of PFS that you've filled out and completed an IBA. That makes you a business owner. Also, yes, we are independent contractors, however, we are not employees. We cannot get "fired" from PFS.

I'm not quite sure why you got involved with PFS if you seem so irritated with some of what we do. Aslo, what I make does not go to my trainer or my recruits. We are compensated SEPARATELY. And it doesn't have anything to do with "Luck", my friend. It has everything to do with hard work. I've seen a lot of people come and go and sorry to say, they have the same attitude that you have. And if you don't care what others think, why exactly are you on here?

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Gerald Dunning
Alhambra, US
Jun 08, 2009 9:22 pm EDT

Why do you say we own our business? You don't own a business until you sign the RVP contract and can open your own office. Until then, you are still an independant contracted employee. Let's be truely honest with the folks now.

The one thing that gets me about this Primerica business is the constant masking of what things really are in their most simplistic form. We are employees. A portion of our work gets paid to middle men and women who have come before us. We recruit for free; we train others for free. If your lucky to make enough, you are self-insured. If you don't, you can buy a policy through your direct, or you can say no and wait until you get licensed. Hell, no one stops you from doing business with another insurer. Not that I have seen.

When it comes down to it, your upline is trying their best to get as wide as they can. If you want to play the game, do it. If you don't, then get out of their way.

Like everything in life, we like some and do witout the other. There are things I don't like about Primerica and there are things I do like. It is all a learning experience for me so who cares what others think.

ComplaintsBoard
V
7:21 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Primerica fraud and lies

And you have way too much time on your hands - should have used that time toward your business, it may have worked for you. Otherwise, you sound like a raving idiot. If you would have just done what you were told to do, embraced the opportunity for what it was, you probably would have done just fine.

Everything is supposed to be told to you upfront, and if it wasn't then you encountered one of the bad eggs in the company. Sorry for you, but I don't think typing a 20 minute read on complaintsboard is productive use of your time regarding a situation you know very little about.

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Rocky
,
Mar 30, 2017 12:29 pm EDT

IN REPLY TO: "You have way too much time." READ AND STUDY and have your loved ones and friends study frequently and take notes and support my great ministry:
https://wordpress.com/post/nextaxpro.wordpress.com/6
https://wordpress.com/post/nextaxpro.wordpress.com/168
https://nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-...⇄

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Rocky
,
Oct 22, 2016 9:12 am EDT

https://wordpress.com/post/nextaxpro.wordpress.com/6
https://wordpress.com/post/nextaxpro.wordpress.com/168
https://nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:07 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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Nextaxprogmailcom
Shanghai, CN
Mar 31, 2010 8:33 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Those who attempt to refute truth can put their money where their mouth is. Pay the fine for bearing false witness: Exodus 20:16, Deuteronomy 5:20. So far, none of these liars, scamsters, thieves have paid. By their fruits ye shall know them -Matthew 7:16, 20. Great will be their terror when they stand before the LORD JESUS CHRIST and are confronted with all the lies they told throughout their wicked lives: Revelation 20:11-15. They will see a huge Lake of Fire awaiting them if they do not repent and receive the LORD JESUS CHRIST as their personal Savior.

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cheasla richerson
Saint Louis, US
Nov 05, 2009 1:22 pm EST

i agree with you cheasla there nothings but big scams tryna make easy money !

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cheasla richerson
Saint Louis, US
Nov 05, 2009 1:20 pm EST

i have a question primerica why in the meetings you olny dicuss money and cashing checks are you only abou t the money a real company woundnt dicuss only the money in the first meeting i really do thing you guys are scams one more question what is th iba agreement? why that wasnt metion the meeting?

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tressie jackson
Baton Rouge, US
Sep 14, 2009 6:47 pm EDT

i stongly agree.i dont need that in my life.i like to do things in a better way.so i think they should close down.im not giving my money away like that.so they can give it up.

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Janet hagler
cartersville, US
Jul 21, 2009 1:37 pm EDT

If you complain about people complaining and then accuse them of having "too much time on their hands" then YOU are the biggest [censored]bags of them all!

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hekenley
Anamosa, US
Jul 11, 2009 5:01 pm EDT

I agree with Bernard. You sound like an idiot. Just because you filed a complain online, does not mean what you are saying is true. You recite bible verses all day but priests lie too. So try to keep GOD out of your complaints.

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Rocky
,
Oct 21, 2008 2:50 am EDT

Bernard: is this really a complaint or an apology for the nefarious, heinous, scam pyramid scheme abomination that is Primerica. Note all the websites and the complaints.
NOW HERE'S THE PLAN:
Read the website title. Primerica apologists, DO NOT post lies on this website or any website or on anything, anywhere, at any time. Thou shalt not bear false witness: Exodus 20:16, Deuteronomy 5:20.

Since you con America - oops! I-I mean pyramid scam; oops! I-I mean good, honest hard working future regional vice presidents - Primerica recruits are at the bottom and do not want the public to know what a TERRIBLE boiler room pyramid scheme outfit Primerica is and that their packages are overpriced and con America charges 2% higher interest rates on their mortgages than their competition makes PRIMERICA a contributor to the mess we are in. Rather than cutting your losses, you are trying to kick a dead dog. Your children are asking you why you are not working for a real company and WHY you do not know that your rvp takes you for a stooge, buffoon, idiot, ###, blind deaf and dumb; an imbecile; laughs at you behind your back and your rvp is as crooked as a whole life insurance salesman AND why would believe someone when you can tell that they are lying. Cut your losses: get out. You fool no one with your lying posts. It is a CRIME and an ABOMINATION to defend a pyramid surreptitious evil shenanigan. You conceive from your wicked heart evil words of falsehood. When you lie you are partaker of the evil deeds of those at the top of the con America pyramid.

Don't chase good money after bad! Have you taken a long time to mull over that? Had I done so when I was younger, I would've saved a little bit of money that is for ever gone. Defenders of the pyramid multilevel marketing fraud are posting because they do not want their downline and future downline to know they ghastly trap they are being enticed in to. ALL who get in to pyramiding do not know what they are getting in to. ALL who sign with Primerica do NOT understand the IBA that they are signing, nor do they go over with their attorneys. Some do not even understand that it is a sales job with NO base salary. Questions? Arrange for me to speak. I will doom pyramiding surreptitious, fraudulent, fleecing, abominable multilevel marketing.

SOLVE THIS LIGHT PROBLEM: those who want to bear false witness by complimenting fraud, scam, skim, lottery rip off, flim-flam, fleecing, fakir, lying, deceitful, elixir merchandising pyramid nefarious scheme unscrupulous con America will pay 15000 for every lie that they post. Charge the tramps and bums admission - they won't come. THIS THREAD is for customer complaints, exposes and consumer essays to shed light on the con men; the shysters and the sharks to watch out for: such as spurious, flattering you with impossible to make money pyramid schemes. PROVIDED you can read, read the title of this website. You KNOW what this website is for! The proceeds would be used to aid the millions of victims and their families that you have sucked the life savings out of. Believe me, some victims have poured as much as 100K, 200K, 300K, 400K, 500K or even more in to something that is DOOMED TO FAIL. A pyramid Ponzi scheme WILL inevitably collapse of its own weight.

"And I will also say that I’d love for Primerica to publish a book listing all the people who make poverty level earnings." And I won't hold my breath awaiting publication. This website wasn't designed to promote fraud! It was designed to expose and help eliminate fraud! YOU read and AGREED to the "Pissed Consumer Terms of Service"! Your excuse that you went to public school and cannot read will never fly. IGNORANCE IS NEVER AN EXCUSE TO BREAK THE LAW! READ THE OLD TESTAMENT; in particular the Penteteuch. You dig? Comprendes? Thank you very much!

“This is a deadly business model in which you are doomed to fail, ” says Robert Fitzpatrick, president of Pyramid Scheme Alert, an Internet-based watchdog group located in Charlotte, North Carolina. “There’s a ninety-nine percent loss rate” —meaning the vast majority of people who start MLM businesses end up losing money. "You’d have a better chance betting your life savings on a game of blackjack in Vegas than you would putting it all into a multi-level marketing home business." {Ooouch! That hurts!}
http://360.yahoo.com/mgtenter95
http://nextaxpro.spaces.live.com
Keep minors from seeing. Expose of A.L. Williams with a lot of foul language in it... http://www.google.com/search?hl=en&rlz=1T4ADBF_enUS219US219&sa=X&oi=spell&resnum=0&ct=result&cd=1&q=al+williams+milico+jacksonville&spell=1
Primerica — fraud and scam
http://www.complaintsboard.com/bycompany/primerica-a35010.html
http://www.complaintsboard.com/bycompany/primerica-a35010/page/2
http://www.consumerfraudreporting.org/primamerica.php
http://www.fairmark.com/news/070702a-freefile.htm
http://iripoff.com/2187/A.L.Williams, _Inc-Primerica.html
http://iripoff.com/2516/PRIMERICA.html
http://www.lookstoogoodtobetrue.com/
http://www.pissedconsumer.com/latest-articles/latest-consumer-reviews/primerica-stole-my-license-and-my-time-20080907134390.html
http://pyramidschemealert.org/PSAMain/resources/ppsabstract.html
http://www.scamtypes.com/is-time-up-for-multi-level-marketing.html
http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica§ion=Entire+Website&sort=rank
http://www.sec.gov/litigation/admin/3440269.txt
http://www.sequence-inc.com/fraudfiles/2008/04/26/the-pyramid-scheme-aspect-of-primerica-financial-services/
http://www.scribd.com/share/upload/4297655/23agjid400mnobun2eaj
http://www.scribd.com/doc/6978574/PYRAMID-FRAUD-SCAMS-NOT-TELLING-YOU-WHAT-THE-SALES-BUSINESS-IS
http://www.thumbshots.net/webguide.aspx?cat=Business%2fOpportunities%2fOpposing_Views%2fPrimerica
http://cyberinsecure.com/yahoo-banner-ads-infecting-visitors-with-malware/
http://minnieapolis.newsvine.com/_news/2008/05/29/1520135-scam-alert-yahoo-groups-being-targeted-by-scams
"I believe that a long step toward public morality will have been taken when sins are called by their right names." -Billy Sunday
HOW PROPHETIC with clapped up, chicken hawking, child molesting sodomites being called "gay". Gay means light-hearted or merry. Gay does not mean a serial murdering, child molesing sodomite! WOGS - Wrath of God Syndrome watered down to aids and hiv. Loathesome, sinsick, sex perverts being called "bi, transgender, crossdressers". [censored] called "lesbians". Your sex is labeled your "gender".
And "homophobe". These be not words! Consult your dictionary! I don't have a fear of man. Homo means man! The fear of man bringeth a snare, but whoso putteth his trust in the LORD shall be safe. - Proverbs 29:25 And, you guessed it, a nefarious, surreptitious, abominable, ugly, leeching pyramid boiler room scheme being called "multi-level marketing". It is NOTmarketing! It is a shyster, fast talking, con man, fraud, skimming, blood sucking, lowdown, preying on the unfortunate, the disadvantaged, the downtrodden; cowardly, miserable, yellow-bellied, thief, ripping, scraping, plucking, robbing YOU of YOUR hard earned money and credit. - consult the Rock

Pay the 15000 fine, bernard, or whatever your real name is! You lied! Pay the fine!

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1:28 pm EDT
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Primerica miss presentation

Primerica Financial Services a subsidiary of Citigroup (Bank) Is a Scam. They have you under the impression that you are going to have a job interview and that there are different types of position. Not true. You go there and find out that the address they gave you is a hotel. Hotel conference room. You go their, it turns out to be a seminar. No JOB. TRYING TO SCAM MONEY OUT FROM YOU. I was lucky I figure it out. I just walk out. A lot of people are getting scam. They claim that they are their for the poor not true. They are stealing from the poor. With the U.S. economy in crisis people losing their jobs. Primerica Financial Services Human Resources Rep shouldn't be misrepresenting them self. We should all get together a suit this company. I know what they are doing is not legal.

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E r just perfect Nextaxpro
Chongqing, CN
Oct 21, 2017 12:00 pm EDT

Please skip my reference: http://iripoff.com It has a horrible virus in that website.
Again, for a very thorough review of the conAmerica pyramid scam scheme, other opinions, references
and experiences from real people:

https://Nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

https://wordpress.com/post/Nextaxpro.wordpress.com/168

https://wordpress.com/post/Nextaxpro.wordpress.com/6

J
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JCM0813
Toronto, CA
Jul 24, 2013 6:21 pm EDT

Wow there are some delusional people out there. Primerica is listed on the NY stock exchange under the symbol PRI. Somehow I don't think getting biblical is going to strengthen your argument. I'm in Canada, I'm a district leader in Primerica and we're regulated by the Financial Services Commission of Ontario in my province. Canadian Pension Plan is one of the largest investors in PRI stock, that's the Canadian government. A.M. Best rates all the insurance companies in the world and Primerica is rated A+(superior). Primerica paid out 92% of death claims in the first 14 days of being submitted. PFSL Investments has been ranked as the #1 mutual fund dealer in Canada in the last 12 years straight, by Investment Executive Magazine that puts out an Advisor Report Card every year. So obviously the representatives that have stayed with Primerica are happy and obviously their clients are too. That's why PRI stock has sky rocketed, actually tripled since we became an independent company. Get the facts people.

Nextaxpro E R Rocky
Nextaxpro E R Rocky
, US
Feb 21, 2020 3:21 pm EST
Replying to comment of JCM0813

CON Versus America is NOT on the New York Stock Exchange. citicorp is. Citicorp had been trying to divest Primerica for years and finally succeeded in 2014, I believe. City Corp NYSE symbol C . Get your facts straight, you scammer. repent!

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Nextaxprogmailcom
Shanghai, CN
Jan 10, 2011 11:16 pm EST
Verified customer This comment was posted by a verified customer. Learn more

NO BUSINESS IS SET UP AS A PYRAMID, NOR ARE THEY ILLEGAL, NOR DO THEY DESTROY YOUR FINANCES, FAMILY, SELF-RESPECT, MARRIAGE, ETC. Please study my blogs. You need and your peers, family, people who work for you, friends, etc, sign up. My fee is high of course but my expenses are light:
Rocky
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http://www.jesus-is-savior.com/Evils%20in%20Government/AIDS%20and%20Population%20Elimination/holocaust_wish.htm
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- E R ROCKY Nextaxpro
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yahoo pulse:
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http://www.myspace.com/552540705
http://www.jesus-is-savior.com/Evils%20in%20Government/AIDS%20and%20Population%20Elimination/holocaust_wish.htm
http://www.wnd.com/index.php?pageId=35532

C
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cellodolly
Merrick, US
Jan 09, 2011 6:52 pm EST

I really don't see that Primerica is any different from any other company that sells life, auto, home or any other kind of insurance. They all want you to buy their product (duh!) and frankly, none of them can offer you a better "deal" than what you are qualified to have as a result of the criteria that all insurance companies use. And, in my experience, if Primerica can't give you a better rate on car insurance, for example, than your existing policy, they will tell you! That's not deception. As for the "pyramid" scheme model, what business isn't a variation of that model? Unless you are a sole proprietor who literally does everything yourself, you are going to be sharing a percentage of your profit/income with someone else. Someone is going to be in your "upline" who is making more money than you. Certainly, you can choose not to work exclusively for one company, and therefore you have the flexibility to offer more products and services, but then you are on your own--you do your own marketing (at your expense), you pay for your own education, licensing, etc. relative to the business. Are some agents more knowledgeable than others? Of course—that is true in any industry! I have had to work with many people in other fields that I considered less qualified than they should be for the work they were doing. Most of these people worked for companies that have a strong reputation in their industry . Primerica’s agents are no less competent than agents in other financial services companies. And you will find there are some who are outstanding ---just as you would at any company. Generalizations can be not only misleading, but dangerous, and that is what I am getting from a lot of the criticisms of Primerica. I would add that if you are offering criticism, try to be articulate in your language of choice. Misspelled words, bad grammar, etc. reduce the credibility of your argument, as does defamatory content.

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Nextaxprogmailcom
Shanghai, CN
Aug 12, 2010 6:09 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I appreciate so much what you are doing. Here is one of my exposes. I have put up some on:
http://iripoff.com
www.complaintsboard.com
www.pissedconsumer.com
I would have on /link removed/ but con America bribed them! You cannot get anything up on [redacted] any more vs. the con America pyramid fraud scheme. [redacted] does not allow to post under "comments" of the expose being presented. I have more under http://nextaxpro.spaces.live.com
The best to you in getting the word out. It took the apologist liars 9 months to find my exposes on http://iripoff.com
So, if you are successful in getting the word out, you can expect a lot of "snuff". They will even attempt to shut down your blog if they think that they can avoid prosecution. God Bless. I know all the lies insurance people tell and I desire for many to say they want me to speak. Hope you put the word out. And I hope they will allow more than "4096 characters". Then, when I finally got it down, it had something like "X ID" with Chinese letters surrounding it. Oh, well
It is a joy to take this time. Hope all this is a blessing to you: Proverbs 27:17, 27:17; 2John1. Lord Bless you richly:
Rocky Drake
But I believe most are duplicates of what I have found here:

I am so glad that former Primerica reps are speaking up to the real truth of what Primerica really does to people. I especially like what PFS Truth had to say in April 2008. My husband and I joined the business about 2 years ago and slowly rose up the ranks as Divisional Leaders. We were asked to speak at meetings to motivate new people to come into the business. We followed what our RVP told us to do to the letter. Everything was fine as long as we were making money.

We were told that if we were going to become RVP's then we should like Chargebacks. {WHAT!} We were told to tell people that term was the best policy to have. We weren't allowed to sell any other product outside of what Primerica had. We were not allowed to advertise (our) business because head office wouldn't allow it. We were told, "we were in business for ourselves but not by ourselves." {What a lot of poppycock idiotic twaddle. Primerica want to wound people!}

None of what they said to us was true. We were not running our own business. All we were was a means for our upline to make more money for them. If you are a new person showing up for a business opportunity then you really don't know things until you hang around long enough. The person who invited you in the meeting doesn't tell you anything until you get to the office and they show you a film. They most of the time come across as being your friend. Inviting you to their house introducing you to their other family. Giving you supper etc...

This is done to let your guard down. You think to yourself if this person invites me to their home then maybe I should trust them. They act like your friend because they have an invested {sic} interest in you because of your warm market.

I'm not bashing Primerica people, rather stating the truth. We didn't leave Primerica because we weren't making money{, } either. We had a better offer! An offer that would enable us to tell people the truth from the beginning. As things were revealed to us we couldn't continue working for an organization who {sic} deceives people. There are a lot of others who are working with Primerica who really believe they are doing the right thing.

All I can say to the Primerica supporters is that if there is smoke then there is fire. Primerica is not the victim here and doesn't not need people like you to shout out others who think there is something wrong with Primerica's methodologies.

I wonder how many current Primerica reps have read their IBA Agreement? { ha ha ha ha ha ha ha ha ha ha ha ha ha ha -consult the Rock} So my advice would be to read your IBA Agreement before you shoot your mouths off to others saying that their negative. TELLING THE TRUTH IS NOT NEGATIVE!

Pictured are 3 victims of the A.L. Williams pyramid scheme. A.L. Williams caused deep poverty, a divorce and neither he nor con America {which, by buying, picked up his debts} have apologized nor made restitution to me. Furthermore, I know of no victims of his con fraud scam [censor] pyramid scheme that he has apologized or made restitution to.

Consult the Rock: Everything PSF Truth wrote is the Truth! I don't even know who this person is but I can tell that they know how Primerica doesn't {sic} business. By the way, CITI Group has not been in business for 30 years. Primerica has been formerly named A.L. Williams. So don't push the Citigroup stuff cause you all know that Citigroup is doing really terrible right now. Especially regarding the class action lawsuit against Citigroup for deceiving investors. Do your research people! As far as I can see anyone who disagrees with facts are just trying to be wrong and strong.
ANOTHER EXPOSE OF THE PRIMERICA ABOMINA-TION: "So I have been watching the news and found out that what is causing the current financial crisis is mortgage backed securities. I was wondering where I heard that saying before. Then it hit me. My mortgage company! You see I have a Primerica Mortgage (through CitiMortgage, was CitiTrust Bank).
I got a month behind on my mortgage because I was laid off, {.} however I have paid faithfully ever since. However, there are 2 problems that are unique with a Primerica Mortgage{, } I am told. One, I am only paying interest now (So it has essentially become an interest only loan) and two, it is a security backed mortgage so it can not be reworked. Every time CitiMortgage calls me, they let me know they can help me with my payments then the customer service rep finds out it is a “special” loan. After hearing this for months I asked what “special” meant – you guessed it{:} security backed mortgage. If{sic} is kind of funny now{.} when they call, I have to explain to the rep that it is {a}security backed mortgage{.} when they call trying to help, they all then say “Oh, yeah... I see your {sic} right... Well keep paying hopefully you can get it caught up sooner or later”. One guy said “I can’t believe they sell these loans, not allowing you any wiggle room.”
If it was { sic: were} any other loan they would have given me a month reprieve and added the payment to the end of my mortgage and I would be paying down principle {sic} instead of only interest.
The second suggestion they always give me is refinance. Little hard because I am a month behind and because the Primerica Loan was 100% Loan To Value. So now I am stuck with only paying interest payment{s} even though I make a full payments{sic} every time, {-} until I can come up with an almost triple payment now because the interest is accruing.
I am not blaming my Primerica rep because I signed the mortgage. But I am definitely not happy with the rep or Primerica because the rep did not know this could happen (which shows ignorance) or did not tell me about the possibility of this happening (which shows he did not care). All he pointed out was I would pay it off faster then a normal mortgage. At this rate I will never pay it off. A different loan would have given me some forgiveness; the Primerica Mortgage has me trapped after I made one bad move.
I also have a high interest rate. I am at 10.75% . Of course I was told interest rate does not matter {! WHAT! -consult the Rock}. Trust me, interest matters when it is accruing. If I had known the full story and ramifications I would have signed a different mortgage, one that would have given me more leeway when a bad time hit. Because when I came to Primerica for help, to rework the loan, they weren’t there. I am now trying to educate others before they make the mistake I did. ANOTHER EXPOSE: Totally agree! They scam and they make deals with you and then they throw you out in the cold! It is like some piramid franchise scheme. When I called CitiBank/CitiCorp which is the main hub for Primerica with my complaint about this guy they knew he was but said ti was my problem since all their "owners" are responsible for their franchises. "
MORE EXPOSES:
"I have had a 20 yr life policy with Primeri-ca. After 20 yrs they invited me to renew. One of their agents told me they were charging an extra premium because Primerica claims wife has a heart condition and she would have to have an expensive, uncomfortable medical test done to prove she didn't. She saw her hmo doctor who refused to do the test because she didn't need it. He provided a letter {and} I forwarded to Primerica {the} Sent{delete "sent"} letter stating she has no heart condition (she never had one) and test unnecessary. Primerica refuses to change unless expensive tests done. I asked Cust serv to provide their evidence of heart condition but they refused to provide it. Primerica Cust Serv. says they can't do anything... send another letter to "Underwriting". Underwriting ignored the letter I sent and the doctor letter. Sounds like a scam/fraud to me. { And a violation of the Constitution of the United States. -consult the Rock}
I will also complain to California Dept of Insurance. You don't want to buy insurance from dishonest Primerica, a company that rigs its customer relations to prevent resolution of service issues, as long as it benefits them. If Primerica disagrees, all they have to do is respond to my request and provide the evidence they have."
MORE: American Income Life — interviewed with these as*es today!.html#c144611

MY TURN TO SAY MORE: Primerica's stealing of promised commissions is unconscionable. Also, I shot down in great detail why, if the company is sincere, they are to provide you with health and life insurance. You are not a customer; you are an employee. And I've explained that many times. It is an abomination to ask you to purchase a policy. That's rinky dink. That's a scam. That's Electrolux not giving you, the hard worker, a vacuum. Electrolux wants YOU to buy a vacuum. Same with the Primerica skimming, fleecing fraud. Same old lies by GilbertRinTX. And he even said "you make commisisons when you recruit others". THAT, Folks is an admision that Primerica is a nefarious, fraudulent pyramid scheme. At con America, as AL Williams prior, you are told to recruit recruit recruit. At the cultic meetings, they utter gross lies. One was: "what does 7-11 and McDonald's do? They open their mouth". Advertising and scam pyramid scheme recruiting to deceive souls are as different as east and west. 7-11 and McDonald's are not intrinsically illegal, evil and immoral organizations. EIGHT policies! EIGHT! You notice not outrage on the part of Primerica is a lie and GilbertRinTX. Unbelievable. And GilberRintX professes to be a policeman. An officer is a minister of God: Romans 13. WHERE is the righteous anger on the part of the policeman when all these illegalities, improprieties, immoralities, scams, boiler room schemes, overpricing, lying to customers, lying to the downline, ripping the customers, ripping the downline, reports of Primeirica committing fraud and unnecessary red tape; Primeirca agents attempting to commit adultery with downlines right in front of their spouses; Primerica in part responsible for the subprime crisis; Primerica having mortages TWO PERCENTAGE POINTS HIGHER; Primerica stealing from agents bank accounts without telling them, etc? And for GilbertRinTX to go "ho hum" when he was shown websites such as:
www.term4sale.com
is an outrage! At the cultic meetings with {con}Primerica, as AL Williams previously, you are told that we are the cheapest. On one package, Primerica was 27 the HIGHEST priced out of 31 packages! Primeirca is NEVER the cheapest! As an officer of the law, GilbertRinTX was supposed to be enraged by Primerica's overpricing and not being competitive. ALL the agents are being deceived! As an officer of the law, you should be attacking pyramid cons with unparalled missionary zeal ! Pay the fine, GilbertRinTX! Every liar defending Primerica will pay a 15000 fine per incident. I've already outlined the plan. Furthermore, Primerica will forthwith and forevermore cease and desist from asking for the prospect's SS#. Primerica wants it so that it can steal YOUR MONEY FROM YOUR BANK ACCOUNT as often as they please. It's called extorting, fraud and robbery. Questions? Arrange for me to give you a seminar. It'll be expensive, but it'll be worth it. Most of you do not know that VERY, VERY FEW people need any death insurance at all. Find out why. - consult the Rock
Present Primerica agents: Don't chase good money after bad! Have you taken a long time to mull over that? Had I done so when I was younger, I would've saved a money that is for ever gone. Defenders of the pyramid multi-level marketing fraud are posting because they do not want their downline and future downline to know the ghastly trap that they are being enticed in to. ALL who get in to pyramiding do not know what they are getting in to. ALL who sign with Primerica do NOT under-stand the IBA that they are signing, nor do they go over with their attorneys. Some do not even understand that it is a sales job with NO base salary.
THREE OF THE VICTIMS OF A.L. WILLIAMS ARE IN THE PHOTOGRAPH. NOTICE THAT TWO ARE CHILDREN. THIS IS STILL GOING ON WITH PRIMERICA { CON AMERICA! }. POOR, BRAINWASHED IN TO THE CULT SOULS ARE LOSING THEIR HOMES, THEIR CARS, THEIR RESPECT AND THE RESPECT OF THEIR FAMILIES BECAUSE OF PYRAMIDING.
http://nextaxpro.spaces.live.com
http://360.yahoo.com/mgtenter95
http://www.complaintsboard.com/new_complaint/
http://www.consumerfraudreporting.org/primamerica.php
http://iripoff.com/2187/A.L.Williams, _Inc-Primerica.html http://iripoff.com/2516/PRIMERICA.html
http://www.lookstoogoodtobetrue.com/option=com_content&task=blogcategory&id=72&Itemid=123 http://www.pissedconsumer.com/latest-articles/latest-consumer-reviews/primerica-stole-my-license-and-my-time-20080907134390.html
http://pyramidschemealert.org/PSAMain/resources/ppsabstract.html http://www.scamtypes.com/is-time-up-for-multi-level-marketing.html
http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica§ion=Entire+Website&sort=rank
http://www.sec.gov/litigation/admin/3440269.txt
http://cyberinsecure.com/yahoo-banner-ads-infecting-visitors-with-malware/
http://minnieapolis.newsvine.com/_news/2008/05/29/1520135-scam-alert-yahoo-groups-being-targeted-by-scams
http://www.swordofthelord.com/osb/itemdetails.cfm/ID/549
OR, Hebrew, Aramaic, Greek, old Syrian, old Latin, German, and English marks the seventh: http://www.biblebelievers.com/Vance5.html
http://www.biblebelievers.com/believers-org/counterfeit-kjv.html
(“Holocaust Survivor: molested by Guards, ”The Massachusetts News, April 5, 2000)
http://www.abidingtruth.com/pfrc/books/pinkswastika/
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"I believe that a long step toward public morality will have been taken when sins are called by their right names." -Billy Sunday
The fear of man bringeth a snare, but whoso putteth his trust in the LORD shall be safe. - Proverbs 29:25
And, you guessed it, a nefarious, surreptitious, abominable, ugly, leeching pyramid boiler room scheme being called "multi-level marketing". It is NOT marketing! It is a shyster, con man, fraud, skimming, blood sucking, lowdown, varmit, thief, robbing YOU or YOUR hard earned money and credit. - consult the Rock
http://groups.yahoo.com/group/MGTENTER95/
http://nextaxpro.spaces.live.com
http://360.yahoo.com/mgtenter95
http://groups.yahoo.com/group/MGTENTER95/
http://us.mc365.mail.yahoo.com/mc/compose?to=MGTENTER95@yahoogroups.com Pseudonyms "great team" "money maker" "successful primerica rep" and ALL apologists for the Primerica abominable pyramid scheme: thou shalt not beat false witness. If we were still living in the Old Testament, you would be stoned until you expired from all the broken ribs, broken skull and so on. You are liars. No one ever made money in Primerica except those at the top of the illegal, evil, boiler room scam [censor] pyramid scheme. Primerica is illegal; it IS IS IS a pyramid and I have amply demonstrated that many times on many threads. Amway got off on a technicality in 1979. A.L. Williams, Inc - Primerica is a pyramid scheme. And don't forget to study all the horrible experiences and exposes of Primerica thieves. Less than .001 make money at Primerica. Only the top of the pyramid makes money. Many rvps and drvps BUY additional policies to inflatetheir "earnings". There are literally hundreds of reasons to expose Primerica to all you meet or can come contact with by launching your own website. Ex-Primerica reps, stand up and be heard! Do not swallow your medicine! Primerica apologist liars: WHY do your business cards say "citigroup", "div of citigroup" -everything but "primerica". It was the same when I was with A.L. Williams. on [protected]:08
Last week, the Department of Ins{urance}. for the state of Utah raided the Primerica offices in Salt Lake{City}. The RVP admittied {sic} to investigators that he had committed a fraud{.} http://www.complaintsboard.com/complaints/they-never-paid-me-the-commission-t...
http://www.consumerfraudreporting.org/primamerica.php
http://www.consumerfraudreporting.org/reporting.php
http://www.consumerfraudreporting.org/pyramidschemes_names.htm http://iripoff.com/2187/A.L.Williams, _Inc-Primerica.html
http://www.google.com/search?hl=en&q=PRIMERICA+BUSTERS&btnG=Google+Search
http://iripoff.com/2516/PRIMERICA.html
http://profiles.yahoo.com/u/U4YXIADA74L2E5GQAN7HKGX76M

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:03 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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Nextaxprogmailcom
Shanghai, CN
Jul 29, 2010 4:45 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Schmue, spue, GOD hath spued thee out of HIS Mouth: Rev 3:16. Pay the fine and pay me what thou owest. I've made it very clear on all these websites to put your money where your mouth is. A.L Williams didn't pay; Bonnie Dorman didn't pay. So you pay the over 750000 that I am owed. If you don't pay, shut your potty mouth and absorb all that I'm teaching you. Work 19 hours a dayto get the warnings out; get everyone to meet to e-mail me expressing a desire to attend my warnings, alarms and teaching. And, oh yes, I will teach flawless English grammar. Be zeaous therefore and repent: Revelation 3:18.
REFERENCES
Phone numbers provided upon request.
http://nextaxpro.spaces.live.com/
http://360.yahoo.com/mgtenter95
http://nextaxpro.multiply.com/
http://nextaxpro.mobile.spaces.live.com/
http://www.facebook.com/Nextaxpro
http://twitter.com/Nextaxpro
http://profiles.yahoo.com/u/U4YXIADA74L2E5GQAN7HKGX76M
http://nextaxpro.twitter.com
http://groups.yahoo.com/group/MGTENTER95/
For my students and friends who prefer a language other than English:
http://translate.reference.com/
http://dictionary.reference.com/translate/text.html
htttp://babelfish.yahoo.com
E R ROCKY DRAKE http://nextaxpro.spaces.live.com/
yahoo pulse: http://profiles.yahoo.com/_U4YXIADA74L2E5GQAN7HKGX76M

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Schmue
North Bergen, US
Jul 29, 2010 4:24 pm EDT

To be nice, I sat through one of the presentations, The "accountant" who left her high paying position to work at Primerica could not even explain the RULE OF 72 they force down your throat. She also, did not have a grasp on the financial terms she was spewing out. The powerpoint presentation has more grammatical errors than Obama's teleprompter. I sat out front and looked at the cars the people were driving that were making "6 figures" and none of them were cars from a 6 figure income. YES, I know that sounds shallow, but if you make 6 figures, wouldn't you fix your headlights, paint your door, or fix the crack in your windhsield? For a multi-million dollar company, You would think they would have a permament address. The cheering squad in the other room sounded like a car salesman meeting.

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Getoverit1
, US
Jul 07, 2009 12:08 am EDT

blah blah blah

nextaxpro,

Hey grandpa, thank you for your opinion...

Im just surprised you figured out how to turn a computer on. That must have taken you a day to type. Proud of you. Grandpa!

I would like to see you back up pretty much any of the "facts" you are claiming.

What's scary is some people actually base life/career decisions on crap like this.

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Nextaxprogmailcom
Shanghai, CN
May 19, 2009 8:24 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

you can be level sure that is true. Check out my blogs. I've also recorded Links and the complaints of others. I know what I'm talking about. I got in to A.L. Williams, Inc, and I'm still awaiting restitution but surely not holding my breath.
http://nextaxpro.spaces.live.com
http://360.yahoo.com/mgtenter95
If you're foolish enough to think fraudulent charges are income tax deductible, you're a fool. They tell you you are in business for yourself. You cannot deduct ANY of the fees you are assessed, BECAUSE you are NOT investing in keeping your regular employee postiion. All the fees are all thievery. I found out the hard way that a REAL life insurance company PAYS for your training and travel expenses. Furthermore, you pay 225 or more, depending upon how much your upline thinks that they can put over on you. NOT $40, and I've never seen a single verified instance that you get your "investment" back, several claim. And NO ONE falls for the lie that you have to PAY for your background investigation in ANY real job. Primerica KEEPS your money - what deception, fraud and thievery! They don't do a background investigation: look whom they take - any one. Very few would pass a background investigation. They want numbskulls whom will believe any lie; not intelligent souls whom would pass a background investigation. A background investigation contradicts the evil pyramid plan of those at the top of the pyramid. The plan is "recruit, recruit, recruit!". You know well what they brainwash you with.

What a vicious lie that fools no one of even infinitesimal intelligence! The Primerica pyramid is a monstrous ripoff. The rvps, etc, pressure you to BUY the policy. You NEVER get free health ins, any one than you get free death ins.

Thou shalt not bear false witness. Primerica is a pyramid scheme and there NEVER has been anything good nor CAN THERE BE. An evil tree cannot produce good fruit: -Matthew 7:15-20. As outlined before, pay the fine, you pathological liar! A.L. Williams surely hasn't made restitution for all that they owe me. You lied! Then you have to pay me a fine. All the exposes have been explained in many, many posts on many, many websites and recorded in books, tracts, tapes and legal documents. Primerica, a part of Citigroup is in part responsible for the current subprime loan mortgage crisis.
You can criticize WHC all you want. I know they have great surgeons. the criticism won't bother me one little bit. The reason you incessantly post lying, ignorant rebuttals is because you panic and cannot afford for the public to know the truth of how you are drilled to "recruit, recruit, recruit". If you go to work any where that's real, you are NOT dependant upon "recruiting" someone to be below you and depend upon his lies to clients and potentail clients in order for you to receive a tiny pittance! You know when it becomes general knowledge, you won't be able to recruit anyone except may be drunkards, pot heads, derelicts, pickpockets, adulterers, adulteresses, shysters, sodomite child molesters: you get the drift.

You were NOT TOLD a tremendous number of truths by your upline rvp, etc. You don't own your company! In addition, you are a captive agent ! Therefore, you fimd yourself lying to YOUR OWN RELATIVES AND FRIENDS IN ATTEMPTING TO SELL POLICIES that are NOT the lowest in price and in many instances are not even competitive! And NO ONE falls for the lie that you have to PAY for your background investigation in ANY real job. Primerica KEEPS your money - what deception, fraud and thievery! They don't do a background investigation: look whom they take - any one. Very few would pass a background investigation. They want numbskulls whom will believe any lie; not intelligent souls whom would pass a background investigation. A background investigation contradicts the evil pyramid plan of those at the top of the pyramid. The plan is "recruit, recruit, recruit!". You know well what they brainwash you with.

What a vicious lie that fools no one of even infinitesimal intelligence! The Primerica pyramid is a monstrous ripoff. The rvps, etc, pressure you to BUY the policy. You NEVER get free health insurance, any one than you get free death insurance.

Thou shalt not bear false witness. Exodus 20, Deuteronomy 5. Primerica is a pyramid scheme and there NEVER has been anything good nor CAN THERE BE. An evil tree cannot produce good fruit: -Matthew 7:15-20. As outlined before, pay the fine, you pathological liar! A.L. Williams surely hasn't made restitution for all that they owe me. You lied! Then you have to pay me a fine. All the exposes have been explained in many, many posts on many, many websites and recorded in books, tracts, tapes and legal documents. Primerica, a part of Citigroup is in part responsible for the current subprime loan mortgage crisis.

You were NOT TOLD a tremendous number of truths by your upline rvp, etc. You don't own your company! Primerica owns it! Furthermore, you are a captive agent! You are NOT allowed to sell anything except ripoff Primerica. Hence, you find yourself LYING to your loved ones and friends and co-workers attempting to get them to policies, mutual funds, mortgages that are NOT even competitve. Also, do not suit their actual needs. One vile criminal who claimed to be a police officer sold ripoff policies to HIS OWN MOTHER. Some minister of GOD he is! The mortgages are an especial heinous ripoff.
Read my blogs and check out the websites. Type in "Primerica fraud" and simiar titles in to search engines.
http://nextaxpro.spaces.live.com
http://360.yahoo.com/mgtenter95
http://www.perfspot.com/Nextaxpro
http://nextaxpro.mobile.spaces.live.com

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Primerica scam and cheating

I have had a 20 yr life policy with Primerica. After 20 yrs they invited me to renew. One of their agents told me they were charging an extra premium because Primerica claims wife has a heart condition and she would have to have an expensive, uncomfortable medical test done to prove she didn't. She saw her hmo doctor who refused to do the test because she didn't need it. He provided a letter I forwarded to Primerica Sent letter stating she has no heart condition (she never had one)and test unnecessary. Primerica refuses to change unless expensive tests done. I asked Cust serv to provide their evidence of heart condition but they refused to provide it. Primerica Cust Serv. says they can't do anything... send another letter to "Underwriting". Underwriting ignored the letter I sent and the doctor letter. Sounds like a scam/fraud to me. I will also complain to California Dept of Insurance. You don't want to buy insurance from dishonest Primerica, a company that rigs its customer relations to prevent resolution of service issues, as long as it benefits them. If Primerica disagrees, all they have to do is respond to my request and provide the evidence they have.

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:03 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:02 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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Douglas Gaffney
Newark, US
Oct 23, 2009 2:58 pm EDT

on Oct 22, 2009
2 Primamerica reps that invited my wife to a Wednesday night meeting in Wayne NJ. After she went thaey contacted me, because of my wifes' friendship with one of them I let them she me a few things I was interested in BUT because they could not adrress my desire for a long term private disability insur. poloicy if i should be disabled, The more experience person invited me and my wife to a Wednesday night meeting before they had the presentation segment as they have every Wednesdays. There before the meeting A vice President would talk to me. THAT WAS FINE WITH ME
BUT WHEN THERE FOCUSED TURNED TO MY WIFES' INSURGENCE POLICY INQUIRY, AFTER SOME FACTS WERE GIVEN TO THEM AND SAW THAT MY WIFE WAS UNABLE TO OBTIAN A POLICY AT THE PRESENT TIME "THATS WHEN ONE OF THEM BEGAN TELLING ME HOW SHE SAW ME UNT UNDERSTANDING MY WIFES' ISSUES ETC...
How I need to do this or that, Spouting off on what she thinks I should do concerning personal matters etc... SHE INSULTED ME in my own how andin front another young man that they would address after they were done with me and my wife (HE DID NOT WANT ANY PART OF THEM) he said.
I sat in, my own living room for almost an hour listening to the one or other telling me how I should resolve or conduct our personal affair so I my obtain a policy from them if anything were to happen to me.
I sat and I sat SLOWLY GETTING MADDER AND MADDER finally I raised my voice in a not so meek way I ORDERED Them to leave my house.!
IF THESE ARE THE TYPES OF PERSONS PRIMAMERICA HAS BEWARE OF THEM AND THEIR PUSY INTRUSIVE TACTICS

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George of the Jungle
Raleigh, US
Aug 30, 2009 2:54 pm EDT

Just a quick comment...Primerica does sell Mortgages so the "manager" was wrong if he said they didn't. They also offer life insurance, car insurance, homeowners insurance, mutual fund allocation, etc. If you had to set up an office how much would it cost to sell these products not counting the franchise fee you would have to pay to be a State Farm, Allstate, or other agent. You can work hard and set up appointments to offer these great products to middle income America and eventually do really well because of your hard work or you can go work for corporate America, work really hard, and still be in danger of losing your job because of all your hard work much less a chance to be the CEO of your company.

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George of the Jungle
Raleigh, US
Aug 30, 2009 2:44 pm EDT

Also something to note is that when you renew a term policy the premium will automatically go up based upon the attained age. Maybe this was a new rep and he didn't actually know this. So when he saw the premium increase he automatically attributed it to some health issues. If you renew with Primerica within a specified amount of time no proof of insurability is required.

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DAVID J.C.
Goleta, US
Jul 14, 2009 5:05 am EDT

I would like to give my two cents to both the complaint and the negative comment first of all if your wealthy you do not have to show it off look at Steve Jobs he owns Apple you probably own one of his devices they...

second this world is full of negativism Primerica is filled of positive and excited people who feel happy that they have hope to some day escape their JOB and be Financially Independent and provide a better life for their Families and for the fake trophies did they not exist? if you have children who play sports they too get trophies wether they win or loose are they bathe in gold or silver? sure small trophies whom to adults might not have any significance but to a child it makes a difference

third yeah your right Primerica has nothing to loose it is the only Company that has ZERO DEBT in tHE whole USof A or else why would they be teaching that they are worth alone over 7 billion dollars they dont your money what they do is sponsor you Primerica gives you a franchise oppurtunity without the franchise cost (mcdonalds, Subway, supplement direct) they pay for your licensing see how much it will cost you alone go get a life license, securities to do investments, and have a bank certify you to do loans without you working for them. they dont need your donation all the contrary the people need their help to put their finances together and get them out of debt see how much it costs you to get a financial analysis from any bank

fourth God has blessed this company for over 31 years it was built on not to get their agents wealthy it was built on a crusade to help middle income families retire well and help protect their families while on their way to retirement (buy term and invest the difference) if you were married and had children you would find that if you were one day gone and left your family, apart from leaving them without your presence they will also be devastated with all you financial responsibilities and your funeral costs and if you do and are not yet properly protected yo must not love your family enough relieve them from those costs
So you say you have been in sales? Well than you must know that in sales you must persuade a client to buy your product In Primerica they dont do that they show you two scenarios one what you are living at the moment than two their way which 99% of the time is better than you previous situation saving you money helping you establish both a retirement fund and a college fund for your young children, be properly protected and an earlier payoff date for you debt, now does the agent have to persuade you to take his plan? you decide

now for the comment it is true we do a little bit of everything did you hear about those cases in califonia about that man killing his family and taking his life over financial woes now if that person had some hope to fall back on even a slight one would that had happen being in a positive environment? you dont know how many families i have walked in and saved their marriages over financial problems WE HELP FAMILIES. we are not in any way like amway we offer products families need and want and the reason they schedule you for a meeting or an interview is because what we show and teach families is all visual do you call a barber or hair stylist and ask if they can cut your hair over the phone? we are professionals and get payed like professionals if a lawyer has no case does he get paid? what about a doctor if he has no patients does he get paid? Work hard what do you mean work hard? you can give all your life to a company but will you ever be the CEO of that company even the president? Corporate America has thought you that and unless you have a high degree i dont mean like a major in english and you become a teacher I mean like a doctor you will become somewhat wealthy even than some get accommodated withe 15 to 20 dollars an hour remember the cost of living goes up every year and unless you get over a 3% increase on your paycheck you keep up with inflation

WOW! give your life to a your job what about your family are you married? even that what about your parents? and your right there is no shortcuts to success and Primerica doesnt teach that it is not a quick cash thing it takes some time to get to where the big earners are yes it takes blood, sweat, and tears to become successful it also takes discipline we are experts in our field speak to someone who has been working in the company over a year.

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Keith0021321
Huntington Beach, US
Jun 18, 2009 1:58 pm EDT

When I was out of work a few years ago I put my resume on monster and got a call from a guy who said that he was hiring and that I looked to be "a perfect candidate" I then asked what the position was and he said it is in "financial services." I had been in the mortgage and real estate industry about 5 years at the time. I had never heard of primamerica and said that he felt my resume was great and wanted to consider me for a management position. I asked him what kind of mortgages the company did and he simply stated, "we do everything." When I asked what product that he did the most of he kept saying, "Yeah we do little bit of everything, but let's schedule you for a meeting and we will go over all of that when you get here."

I figured I had nothing to loose as I had wrapped up an interview earlier in the day. When I went to the office I saw some signs on the building that were hand written that said "Primamerica interview this way." I began to get suspicious and was wondering if they were only leasing the building to just conduct interviews. When I walked in the door they had me sign in and I asked who I would be meeting with and the woman there said "We will get to that in just a moment." Now mind you I had just met this woman and she acted like she was my long lost sister or best friend. She had a huge smile on her face and kept welcoming me. As I was waiting another man walked in and both of us started to talk and he also stated that he had no idea what the position was other then management. Shortly a man walked into the room with some other people and then stated that we were going to watch a film and that we would be licensed to be "insurance agents" and that the initial fee was 250.00 dollars. When I realized what was going on and that this was nothing more then a MLM and that I was being baited I stood up and walked over to a man who said he was the VP of the company and flat out asked him if I was being hired in the mortgage business and as a manager. After about 5 attempts at asking he finally told me that this is a great business opportunity and that I would not have to sell mortgages anymore because I was going to become rich beyond my wildest dreams. I was completely disgusted and got angry and told him flat out that he had wasted my time. I picked up my stufff and stomped out. While I was leaving there was a crowd of people walking in about 30 of them and I turned around and said in a loud voice, "don't waste your time, they have no jobs for you and they are just a MLM scam. Some of the people turned around and left.

I have been in the business world my whole life and there is one thing that I know. Those who are not willing to work very hard and when I say hard I mean very hard. Like 10-15 hour days, weekends, getting to work early and leaving late and learning your particular profession so you know it backwards and forewards you will never be rich.

Let me say it again, if you want to be wealthy, then you have to work hard, hard, hard. You have to be willing to put your whole life into your job and work your butt off. However most people don't do that. They think there is an easy way and that is why we have companies like Scamway and Primamerica. Although the people on top are successful rip off artists and may make some money most others down the scale never do. These companies sell broken dreams and lies.

Being truly successful takes, blood, sweat and tears and generally being somewhat likable. Thomas Jefferson once said, "The harder I work the luckier I get." That is the truth there are no short cuts and never will be. Hard work, being honest, going above and beyond what is expected, being an expert in your field with product knowledge and having a postive attitude are what makes people successful, and nothing else will do.

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Rick
Brooklyn, US
Feb 07, 2009 2:47 pm EST

I WOULD LIKE TO ADDRESS ALL THE COMPLAINTS I SEE ABOUT
PRIMERICA. FACT # 1 YOU ARE ALL VERY MUCH MISTAKEN.
THE COMPANY HAS ALWAYS SET A VERY HIGH STANDARD OF SERVICE TO ALL CLIENT'S. IF A PROBLEM OCCURRED IT USUALLY
HAPPENS IN A SITUATUION WHERE A REPRESENTATIVE MADE
AN ERROR IN JUDGEMENT. IF THAT HAPPENS, AND IT IS REPORTED TO THE COMPANY. PRIMERICA WILL ACT SWIFTLY TO
RESOLVE THE CASE FOR THE CLIENT AND THE REPRESENTATIVE
WILL BE PUT ON NOTICE. WRONG THINGS HAPPEN IN ALL COMPANIES, MISTAKES HAPPEN. HOWEVER, YOU MUST USE YOUR
COMMON SENSE. PRIMERICA VALUES ITS REPUTATION AS A LEADER IN FINANCIAL SERVICES. IT WOULD NEVER JEOPARDIZE
THE COMPANY'S REPUTATION ON SOLID SERVCE TO THE CLIENT'S
THEY SERVE BY IGNORING ERROR'S OF JUDGEMENT ON ANYBODY'S PART. THIS COMPANY (PRIMERICA) ALWAYS WORKS
VERY HARD TO PROTECT THEIR CLIENT'S. I AM A CLIENT AND HAVE BEEN FOR 8 YEARS. THEY HAVE ALWAYS SERVED WELL.
LIKE I SAID, COMPANIES AND PEOPLE MAKE MISTAKES. WANT A
LIST. FORMER PRESIDENT CLINTON AND MONICA LEWINSKY.
BERNIE MADOFF LOST 50 BILLION $ OF PEOPLES MONEY. THE S.E.C. WHO WAS TIPPED OFF YEARS AGO ABOUT MADOFF DID NOTHING. ENRON, WORLDCOM, AIG, THE LIST GOES ON. WHAT
I AM SAYING HERE IS DON'T JUDGE A COMPANY ON YOUR EMOTIONS JUDGE IT BY THE FACTS ! FACT #2 PRIMERICA IS ONE
OF THE GREATEST COMPANIES OUT THERE. YOU JUST DON'T TRULY UNDERSTAND THE BUSINESS IT IS REALLY IN. YOU WANT TO KNOW WHAT THAT IS? IT IS IN THE BUSINESS OF TRULY HELPING GET OUT OF DEBT AND SAVE FOR THEIR FUTURE. YET YOU ARE SO FIXED ON CRITICISING YOU JUST DON'T GET IT.
HAVE YOU EVER DONE SOMETHING WRONG? DID YOU EVER MAKE A MISTAKE? STOP BEING A HYPPOCRITE AND START KNOWING THE FACTS. UNFORTUNATELY, WE ARE ALL HUMAN AND HUMANS WILL MAKE MISTAKES AND EVEN DISAPPOINT. YET,
HUMANS WILL ALSO DO GREAT THINGS FOR PEOPLE TOO. SO,
BACK OFF YOUR CRITIC COMMENTS AND MAYBE GET INVOLVED
IN THINGS THAT TRULY BENEFIT PEOPLE. THINK YOU CAN HANDLE THAT?

SINCERELY,

A NEUTRAL CLIENT OF PRIMERICA
WHO KNOWS THE FACTS FIRST.

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JONATHANZZ
kg , US
Nov 06, 2008 4:56 pm EST

How many boards does the PFS home office monitor?

Regena
Regena
Duluth, US
Oct 07, 2008 9:38 am EDT
Verified customer This comment was posted by a verified customer. Learn more

To Morgan-
I am a home office employee of Primerica and would like the opportunity to assist you in addressing your concerns. Please understand that, for privacy and confidentiality reasons, our practice is to provide confidential information directly to the client's physician, upon written request and authorization by the client to do so. This is the reason that customer services asked you to send your request in writing to the Underwriting Department. If you will contact me at the home office I would be happy to assist you further.

Regena Wood
Primerica Financial Services, Inc.
Duluth, GA
regena(dot)wood(at)primerica.com
[protected]

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Primerica fraud and cheating

The man I was doing business with for primerica he called me everyday about doing this program so i went to the meeting that they have before they process your application so more than likely i was interested because they made it seem like the best thing to do so i filled out the iba at the moment i didn't have the money to pay them so surely the guy called me everyday and even on my payday and asked me did i have the money so he made it seem like i will be making money in the next week or so... so me being dumb i put my cell phone bill on the side thinking i am be making money like asap (thats what the man told me) so that day i gave him consent to take the 99$ out my account so sadly i didn't hear from him anymore so i called during business hrs telling him i wasn't interested in the program anymore he didn't answer so i left a message that next week i had appointments booked one was for 5 so he called me 15 min tell the appointment i made with someone and the person stays at least 30 mins away so i am thinking he 1 totally disregarded what i said in the voice mail and for 2its unprofessional for to show up at someone house late for an appointment or call me last min about it thinking ima rush and get dress he tried to talk me into staying but i am thinking ### you just after me for money i be *** if i let someone use me so 2 days letter checked my balance in my accounts them *** holes took more money out my account after i told the guy to cancel my employment opportunity so i called again during business hrs trying to keep it professional didn't answer so i left a message thank god i kept the letter that they send to you about thank you for joining because *** not answering his phone so something told me to read the letter in small print they had a number you can and so i did and i got everything taken care so i am just waiting for my money stupid *** *** over me and only why i was interested in the program and trust him because he was like a uncle to me and i been knowing him my whole life but like they say you don't know a person until you do business with them i hope no one fall in that scam and ### primerica thinking they have to offer because its straight up ### they make money for getting you to join thats why he not picking up his phone because he want that profit ain't going to happen because i just started so i am getting my full pay back but usually when your application get processed already they take 30 (but my application didn't have a chance to process) out wut u paid hahaha good thing i cough his ### ways in time and also who ever you refer or what ever person you sell the insurance to they get half your profit *** that PEOPLE PLEASE TO CAREFUL don't get no type on benefits from these con artist because its all game don't business with these people.

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:03 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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wow11
Chandler, US
Jul 30, 2009 3:45 pm EDT

I'm trying to do my research because I'm seriously considering this opportunity. Is there anyone somewhat intelligent out there with "complaints" about this company? So far, just a bunch of illiterate ramblers. No wonder you didn't make any money! You don't just sit around, waiting for checks people! Get off your ###! And learn how to spell!

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Sandria
WARRENSVILLE HEIGHTS, US
Jul 21, 2009 3:16 pm EDT

what do you know? have you been to a meeting with primerica? and how do you know if in fact he got his money back? I have heard mostly negative things about this company. I was called to come in for a interview. I wasn't told that 20 other people (or how ever many) would be there. To me they just need to be upfront on what type of buisness they are running to begin, not wait until the person shows up then tell them you need money to start. I told the lady I was not working and was looking for empolyment. I have to children and in the middle of a divorce! I don't have time to give up money I don't have to make money...not now! So again... being upfront and honest is the key!

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Kay
San Diego, US
Mar 31, 2009 3:04 pm EDT

DOESN'T ANYONE KNOW HOW TO SPEAK ENGLISH ANYMORE?
One word" ' S P E L L C H E C K' ! My goodness, if you can't convey your message any better than that, no wonder you were so easily confused. It's called a contract, read it. Work it and don't QUIT so fast. Pray about your decisions and you won't make so many bad choices too. Also, be fair. By now you've received your money back so "announce" that too. [Put the same feathers back into the pillow sack that you emptied into the wind - NOT so easily done now is it?]
Blessings.

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Olga J Aguilar
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Nov 07, 2008 10:04 am EST

Hi i went to wholw process too and i now i want my money back and i have callm them like five time and still no answer about my money tahy gave me a wbsite but the ### doesnot even exist all i want is my money...

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11:45 am EDT

Primerica they owe me a refund

I bought into there insurance and investment plan on a Wednesday evening and cancelled it by 9:ooam the next morning and ask them to not run my credit card deposit. Guess what? They ran my credit card a week later. Now I can't seem to get my money back. It's been 3 months and I have been told 4 time that the check is in the mail. NOT!.

Citycorp should be ashamed to have such a low life outfit like Primerica associated with it.

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JJRam
Baton rou, US
Mar 08, 2011 3:46 am EST

Primerica is such a scam company. They are phonies. I was approached by one of their agents who was helping My
Family and I file a claim for my mother's life policy. This guy came to out home and asked me to go to his office the next day about to talk about working for primerica. He said I'd make a lot of money and one thing led to the next. Next I was asked to provide a check for the amount of $99.00 for a background check. Well to make a long story short, I ended up
Not working for them even though he kept insisting. Later on I realized that there were charges on my bank statement for $25.00 from October-march. I called the guy up and he said that the $25 were for my online training or some BS. I said I never used the training program
So why the hell am I being charged. He then told me he needed me to fax a written notice to him stating I needed to cancel my subscription. I'm hoping I get my effing money back.. Or they will hear it from me. Trust me.
everyone I come in contact with will know what type of company primerica really is.

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:03 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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izy
Houston, US
Nov 10, 2009 5:33 pm EST
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primerica is a fraud and scam company...i worked with them about a month, waste of gas, waste of time never got payed not one penny, we are in a recession i dont have time for this, i quit a month later as well as i cancelled that insurance they made me get, now its been about two or three months and im still trying to cancel that dam insurance that is still taking my money out the bank, i went personally to quit that so called job and cancel that insurance, i felt humiliated by josceline green soon to be RVP she humiliated friends of mine because they would not get her insurance, this people are just thirst for money they have no life but in that fraud buisiness ###ing ignorant people and ill make sure this will be hear out and im ready to sue them

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Mary
Woodstock, US
Apr 03, 2009 11:03 pm EDT

I have a question--how much did they tell you it would cost upfront to get started?

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Regena
Duluth, US
Oct 06, 2008 9:35 am EDT
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To J. Rowe:
I am a home office employee of Primerica and I am sorry to hear that you have had this difficulty. If you will please contact me at Primerica's home office, I would be happy to assist you in resolving all of your concerns.

Regena Wood
Primerica Financial Services, Inc.
Duluth, GA
regena(dot)wood(at)primerica(dot)com

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Todd
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Oct 02, 2008 12:14 pm EDT

If you're not getting any help or response from these guys, you should post them on this site, this is for anyone who has been screwed, ripped off or felt that they had been done wrong. The name of the site is www.uradeadbeat.com, it gives you a voice to the people who will not listen. Not only does the person who you are complaining about receive an email letting them know that they have been put on the deadbeat list (as long as you provide email address) but, they will also receive a post card (as long as you provide a mailing address) notifying them too.

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11:15 am EDT
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Primerica rip off

So I have been watching the news and found out that what is causing the current financial crisis is mortgage backed securities. I was wondering where I heard that saying before. Then it hit me. My mortgage company! You see I have a Primerica Mortgage (through CitiMortgage, was CitiTrust Bank).

I got a month behind on my mortgage because I was laid off, however I have paid faithfully ever since. However, there are 2 problems that are unique with a Primerica Mortgage I am told. One, I am only paying interest now (So it has essentially become an interest only loan) and two, it is a security backed mortgage so it can not be reworked. Every time CitiMortgage calls me, they let me know they can help me with my payments then the customer service rep finds out it is a “special” loan. After hearing this for months I asked what “special” meant – you guessed it security backed mortgage. If is kind of funny now when they call, I have to explain to the rep that it is security backed mortgage when they call trying to help, they all then say “Oh, yeah... I see your right... Well keep paying hopefully you can get it caught up sooner or later”. One guy said “I can’t believe they sell these loans, not allowing you any wiggle room.”

If it was any other loan they would have given me a month reprieve and added the payment to the end of my mortgage and I would be paying down principle instead of only interest.

The second suggestion they always give me is refinance. Little hard because I am a month behind and because the Primerica Loan was 100% Loan To Value. So now I am stuck with only paying interest payment even though I make a full payments every time, until I can come up with an almost triple payment now because the interest is accruing.

I am not blaming my Primerica rep because I signed the mortgage. But I am definitely not happy with the rep or Primerica because the rep did not know this could happen (which shows ignorance) or did not tell me about the possibility of this happening (which shows he did not care). All he pointed out was I would pay it off faster then a normal mortgage. At this rate I will never pay it off. A different loan would have given me some forgiveness; the Primerica Mortgage has me trapped after I made one bad move.

I also have a high interest rate. I am at 10.75%. Of course I was told interest rate does not matter. Trust me, interest matters when it is accruing. If I had known the full story and ramifications I would have signed a different mortgage, one that would have given me more leeway when a bad time hit. Because when I came to Primerica for help, to rework the loan, they weren’t there. I am now trying to educate others before they make the mistake I did.

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Joseph Leonard
, US
Sep 18, 2015 4:59 pm EDT

I blamed Primerica for many years for the stupid, stupid decision i made to refinancse all my debt back into the house and use one of citis equity builder programs. The truth is that if you go into any type of an agreement and do not fully, totally understand what is going on. Get a Lawyer. Its your right. Always keep in mind that even though they say that they are out to help you, they wouldnt do it if they didnt make money off of you. I didnt do any of this and instead of being just 5 years away from being paid off, i am still getting hammered with a high interest rate and will still be paying for another 15 years. Like i said, i dont blame them anymore because i went with it. i made the decision. soooooo, i would recommend avoiding any of their services like the plague. Their life insurance is stupid useless, but mainly just make sure you get a lawyer involved. Take care and God Bless you Primerica.

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Natalia_g
Omaha, US
Oct 06, 2011 1:40 am EDT

I think you are all missing the point. PRIMERICA is NOT for EVERYONE! It is only for the 10 percent of people that have a desire to be something great, and to do something special. trying to convince someone that Primerica is not a pyramid, is like trying to tell someone the sky is blue when they believe it is orange, if they think it is a pyramid than they probably don’t belong in Primerica, (or as a business owner anywhere else for that matter). Primerica is for people that have vision, desire, and determination. If anyone says to me that they heard Primerica is a scam. I politely explain what a scam, or pyramid is and ask if they understand the difference if they don’t "nice to meet you, but it looks like you are not a good fit".
Primericans DON'T try to hire everyone, most of the people in the world don’t want or deserve what we have to offer. Just look for the people that are worthy of greatness, and the mediocre will just start showing up. It is impossible for followers not to follow so GO GET THE LEADERS
Hope that this help you prospective employees to decide, do I want to be something better than everyone else or do I want to just make 60k a year for the rest of my life. It is your decision if you have any questions call any Primerica office in the Phone book you will probably find someone who can explain it to you.
All the best

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lizzyBes
Cedar City, US
Aug 16, 2011 1:30 am EDT

In late 2006, I made the HUGE mistake of letting a Primerica Rep into my house for a "training demonstration". It all looked so wonderful on paper: debt free in 7 years, retirement in place, life insurance, savings, a portfolio, and even a new job...all backed by the largest, most trusted bank in the world-- Citi. I was doing okay, had been in my house over 10 years, until I let Citi in. They foreclosed a week ago, after 2 years of run around in a 2 seperate modification programs that were destined to fail from the beginning. My loan was sold into a pool of high risk securites before the ink on the original note dried. (Check out the CRSMI REMIC. ) If you refinanced with Primerica, your loan is probably long gone. I am seeing an attorney tomorrow to try to stop the 5 day eviction notice that followed foreclosure by one day. Wish me luck. I'm headed straight into the dragon's lair.

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:10 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints go here> primericacomplaints.blogspot.com

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Independent Bill
Clearwater, US
Dec 08, 2009 12:22 pm EST

I was a mortgage broker for Primerica for over 5 years and I can tell you not only did they do 100% LTV (until the market fell) they even promoted the fact that they didn't require PMI on loans for more than 80% LTV. Furthermore, we were told that as the largest corporation in the world (then) Citi didn't have to sell their loans and used their own money. In fact, I believe the loan docs indicated they would not be sold.

In November, 2008, when Citi got all that TARP money to try and get banks lending again, we were told they would no longer do mortgages for the purchase of a home, only re-financing., and that made me start looking around. With lots of homes needing to be sold and couldn't be sold without getting a mortgage, I ddn't think this was helping our country.

At Primerica, I was a captive agent, which means I could only sell their products. I thought they were good, but didn't have the ability to compare them to other companies. Now, as an independent agent with access to many companies in the financial services industry, I can truly offer my clients what's best for them, not try to fit them into one company's product. I've learned that their rates are high You do pay for PMI, it's just not called that It's a higher interest rate that doesn't go away when you get the LTV below 80%. I replaced my wife's insurance and saved $85, 000 over the term of the new policy for the same amount of coverage. Now that I know better, I'd never become a captive agent again.

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IL-Marion
Schaumburg, US
Jun 29, 2009 1:04 pm EDT

Primerica sold me a S.M.A.R.T. loan that is now managed exclusively by CitiMortgage. I have been set up with automatic withdrawls from my checking account from the beginning. Citi missed pulling one payment in June 2008, and now their collections department is calling asking for the payment AND late fees! I created a dispute case with them 6/2/09. I received another collection call, so I called again, found out that the first case was closed with NO ACTION TAKEN, and they have created a new case number. The date I am supposed to call them back for followup is July 4th, which makes me wonder if the heavily-accented voice was even a rep in the USA.

If you want to spend your precious time fighting a large, multi-national, uncaring, behemoth corporation, go ahead and get a mortgage through Primerica. Trust me, once the rep has his commission fee, he'll quit being your friend, and will tell you he can't help you. It is all in Citi's hands now.

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eggman
Shreveport, US
Mar 16, 2009 8:05 am EDT

I have to agree with the first response Primerica doesn't do 100% LTV loans, max 90% in Louisiana, so it leads me to believe that there is something missing in the posters comments, like the truth.

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STACI
, US
Feb 04, 2009 9:14 pm EST

I was taken also. When my friends (thought they were my friends) told me they were going to get me out of debt, by consolidating all my bills into my home (big mistake) and charged me a higher interest rate, I was told - don't look at the interest rate. Primerica is a RIP-OFF. That's all there is to it! Stay clear.

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Ray
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Nov 24, 2008 4:37 pm EST

I have been with Primerica for over 15 years and I have never seen them do any loan over 80% LTV. Your LTV makes me wonder about the rest of your comments.

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5:51 am EDT
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Primerica fraud and scam

I am so glad that former Primerica reps are speaking up to the real truth of what Primerica really does to people. I especially like what PFS Truth had to say in April 2008. My husband and I joined the business about 2 years ago and slowly rose up the ranks as Divisional Leaders. We were asked to speak at meetings to motivate new people to come into the business. We followed what our RVP told us to do to the letter. Everything was fine as long as we were making money.

We were told that if we were going to become RVP's then we should like Chargebacks. We were told to tell people that term was the best policy to have. We weren't allowed to sell any other product outside of what Primerica had. We were not allowed to advertise (our) business because head office wouldn't allow it. We were told, "we were in business for ourselves but not by ourselves."

None of what they said to us was true. We were not running our own business. All we were was a means for our upline to make more money for them. If you are a new person showing up for a business opportunity then you really don't know things until you hang around long enough. The person who invited you in the meeting doesn't tell you anything until you get to the office and they show you a film. They most of the time come across as being your friend. Inviting you to their house introducing you to their other family. Giving you supper etc...

This is done to let your guard down. You think to yourself if this person invites me to their home then maybe I should trust them. They act like your friend because they have an invested interest in you because of your warm market.

I'm not bashing Primerica people, rather stating the truth. We didn't leave Primerica because we weren't making money either. We had a better offer! An offer that would enable us to tell people the truth from the beginning. As things were revealed to us we couldn't continue working for an organization who deceives people. There are alot of others who are working with Primerica who really believe they are doing the right thing.

All I can say to the Primerica supporters is that if there is smoke then there is fire. Primerica is not the victim here and doesn't not need people like you to shout out others who think there is something wrong with Primerica's methodologies.

I wonder how many current Primerica reps have read their IBA Agreement? So my advice would be to read your IBA Agreement before you shoot your mouths off to others saying that their negative. TELLING THE TRUTH IS NOT NEGATIVE!

Everything PSF Truth wrote is the Truth! I don't even know who this person is but I can tell that they know how Primerica doesn't business. By the way, CITI Group has not been in business for 30 years. Primerica has been formerly named A.L. Williams. So don't push the Citigroup stuff cause you all know that Citigroup is doing really terrible right now. Especially regarding the class action lawsuit against Citigroup for deceiving investors. Do your research people! As far as I can see anyone who disagrees with facts are just trying to be wrong and strong.

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Nextaxpro E R Rocky
Nextaxpro E R Rocky
, US
Feb 21, 2020 3:06 pm EST

My website is forthcoming! Meanwhile, I can file Amended federal and state ( where applicable ) income tax returns regarding your losses slaving for primerica regional vice-presidents and sales. representatives. You lost money and I can help you if some, or all of your losses occurred prior to April 15th of 2017.
Thank you so much. I am Nextaxpro. I'm also a consultant.
https://Nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable
https://Nextaxpro.wordpress.com/2017/10/28/primerica-and-other-pyramids-book-two
https://Nextaxpro.wordpress.com/category/primerica-con-america

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Brian Kolins
, US
Sep 29, 2018 10:51 am EDT

Sad how anything positive gets downvoted.
I worked at MetLife for 5 years, and had to tell many MANY people that the policies they thought would be there for their entire life, were expiring and they needed to add a 0 to their premium checks if they wanted to keep it in force.
If you look up ANY insurance company, you will find negative reviews about them.
Perhaps, instead of talking to people who haven't done research, you should instead look at companies like Forbes, Wall Street Journal, and several of Primerica's biggest investors, like Vanguard and Blackrock.
I have a feeling they've done, just a little more research, then the people who got approached by a crappy agent, from a crappy office, and think the entire company is like that.
You do know... every company has bad apples. You do know that Primerica, with over 100k agents, likely has more bad apples than companies with 5k-10k reps...
Is Primerica perfect? No. Nothing is.
Are there horrible issues at Primerica? Absolutely, every company has horrible issues.
Is Primerica the worst out there? Well, Primerica paid all their 9/11 claims within 72 hours, while Prudential, MetLife, MassMutual, and the other "big" insurance companies, all dragged their feet because of their "act of war" exclusion, meaning anything they could define as an "act of war", including terrorism, means they don't have to pay.
Primerica simply pays. Most people who get life insurance, that is the most important aspect.

But as a rep, I too agree the "wet noodle approach" to recruiting is horrible. I've talked to people who hated my company, because they were recruited and the office was horrible. After 5 minutes of talking to this person I knew they would not be a fit, and I would never have offered them the opportunity because I know they wouldn't like it. I do not like how some people just try and offer the opportunity to anyone, but that is how some do it.

But if you think Primerica is the worst... how much money did Primerica steal from the middle class? Compared to Wells Fargo? or Goldman Sachs?

Do a search for most million dollar earners. Yeah... scams are known for having huge numbers of very successful people...

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MariaLopez MyOpinion
, US
May 01, 2018 12:43 pm EDT

If you want a refund for their fees, write to the BBB. They hate to see their ratings lowered or to have complaints. They will refund your money ASAP

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E r just perfect Nextaxpro
Chongqing, CN
Oct 22, 2016 8:26 am EDT

https://nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-
PYRAMIDING-IT-IS-VERY-VERY-EVIL-ATT-NOW-ABOMINABLE

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E r just perfect Nextaxpro
Chongqing, CN
Oct 22, 2016 8:23 am EDT

https://nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

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E r just perfect Nextaxpro
Chongqing, CN
Oct 22, 2016 8:23 am EDT

This has been KNOCKED DOWN down by primerica volunteers working for the mob PIRATE VS. AMERICA CON ARTISTS who are DETERMINED to keep their downlines, recruits and the public DECEIVED! http://www.sec.gov/Archives/edgar/data/1475922/000119312509225601/ds1.htm.
IRS, SEC, FBI, OCC, FBI TAKE NOTICE! CON AMERICA APOLOGISTS ARE LIARS! ALL LIARS know when they are lying! You cannot say "not affiliated with primerica" is stealing every new policyholder and every new rep. CON AMERICA has been doing this since 2006 or 2007! There are NEW CONS being invented often by PIRATE VS. AMERICA. It is UNBELIEVABLE! CON AMERICA has no shame! They are even worse than a.l. williams. DO NOT ATTEMPT TO DECEIVE the public with your false witness! Exodus 20:16, Deuteronomy 5:20, Romans 13:9, et cetera^.
I try to educate regarding the fraud of a.l. williams, which has continued with con America, AND, become much worse! Most here are liars, frauds who are SCARED TO DEATH that their downline and potential downline will be awakened! THAT is why PIRACY VS. AMERICA hires BRAINDEAD, IGNORANT VOLUNTEERS to prowl online and "rebut" truths about what CON AMERICA is doing to innocent souls. CON AMERICA has a foundation of deep deception. The mafia scheme is dependant upon DECEIVING souls by telling them to get "recruits". It works like amway-quixtar.
https://nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

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E r just perfect Nextaxpro
Chongqing, CN
Oct 22, 2016 7:42 am EDT

My typographical error; my mistake; my apologies. price to take the exam was $80 with a. l. williams. was $104.50 with pirate vs. america. likely to be higher now. no refunds. you also pay an iba { independent business agreement } and, the rvps and svrps never, ever tell you this: you are docked $29.50 from your bank account every month. for the few who get their money that was stolen from them refunded, it takes months of very high pressure. they receive no interest when, after several months, they finally get their money refunded that was stolen from them without their permission! there is also, believe it or not! a "fee" of $25 for the use of their website! unless obola allows the united nations to assess a fee for internet access { unfortunately very likely soon }, no one will ever have to pay to access my educational websites. http://nextaxpro.wordpress.com http://twitter.com/nextaxpro

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William T. Bernal
Sacramento, US
Dec 16, 2014 4:38 pm EST
Verified customer This comment was posted by a verified customer. Learn more

Predatory lending by CitiMortgage via Primerica which was a Citigroup branch but since the fall of our economy, Primerica was detached from Citi. Falsifying loan document, notarizations signatures and real value of our home.

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Reviewer57548
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Feb 16, 2016 9:14 am EST

Jessica Pawlowski
[protected]
7cvav is client number
requesting $99.00 refund. No longer interested in this company. Have not even worked for them yet. Had personal issues with family to sort out.

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Toolbelt
, CA
Nov 08, 2015 10:48 am EST
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Take a look at their 2009 SEC NY filing (available online) http://www.sec.gov/Archives/edgar/data/1475922/000119312509225601/ds1.htm.
In it you will see policies sold, number of reps, number of recruits, etc etc. Doing some basic math, you will see that policies sold per rep, per year averages out to less than two. You will also see their emphasis on recruiting the "next generation" of reps, which is basically admitting to high turnover rates. You will also see their concern over MLM/pyramid/scam regulation possible changes would greatly affect their business model. That one document alone is enough to counter any and all pro-Primerica arguments put forth on the net about how good a "business opportunity" it really is. As a business entity, they're great...otherwise they fall extremely short!

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Primerica don't trust them

I went to a supposed "interview" and get to know the company I was going to check out. I was excited because it was something new to me and I NEED a better job. Well, I find out that there are like 20 other people and it reminded me of those model recruiting things at hotels you can go too.

I got suckered in for it seemed like something wonderful to do for others! Esp. my parents because they are just like the helpless Jones family we learned about. I got to meet with the woman again who called me; I signed, and paid my $99 to get started! I was telling people about this great company I was going to work for now.

The lady and I were suppose to meet again to start training but she was 'too busy' for me and asked if I can reschedule. I said yes and called her the day she wanted me to, to make the time. She never got back to me till 3 DAYS LATER after our planned day.

She called while I had class and wanted to make another day. Claiming to be "so busy" (well why then recruit and meet with me?). I called and left a message and said I can’t do it for I work. (She knew and said it was ok I had another job for I'll be able to work around that)

I also told her to call me back for I was free a day she mentioned there is usually training going on. She never called. I still got charged the $99. FOR WHAT?! NOTHING!

I called her AGAIN and told her she either get me trained, and going with this job like I'm suppose to or I want my money back because it’s not fair. I DO NOT have the $99 to just throw away. I don't make enough and have bills to pay.

Then I find I'm being charged another $25! FOR WHAT! NOTHING! I'm not doing a *** thing. No training, no nothing. I wasn’t even told where the headquarter was. Just that our meeting place was at a hotel.

I feel so scammed. And i don't know how I'm going to pay my credit company money I barely have. I only paid because I thought I was going to make good money helping people. I guess its TOO GOOD to be TRUE.

Now I'm going to have to make ANOTHER phone call to her. I want my money back.

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isabel2000
Seattle, US
Aug 27, 2011 7:36 pm EDT

i hope you were able to get your money back. they were just phone call away, you didn't even need to contact the lady who recruited you. as far as her being too busy, she must've just been too busy and had poor organzational skills. you were a bad match.
sorry for your bad experience but my experience with this company is very rewarding.

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:07 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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George of the Jungle
Raleigh, US
Aug 30, 2009 2:58 pm EDT

Didn't the lady who started the comments offer this person her money back? I guess that means no one has shown her how to get it back :) Just a side note...if this person who recruited you into Primerica didn't have enough time to train you then she needs to be disciplined because Primerica is all about training you to become successful. I'm sorry you had this experience because Primerica does offer an awesome opportunity for people to get out of the rat race.

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rocky
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Sep 12, 2008 11:38 am EDT

While [redacted] has faults, including NOT publishing exposes nor complaints regarding Primerica any more, they do have a constructive method to solve your problem. Politely ask your bank to refund your money. When they balk, ask for a copy of Regulation E to fill out. They have to give you one. In the rare event they do not, call you local consumer protection agency, then your attorney general. The bank has to give your money back. Sometimes they will even if more than 60 days have elapsed.

The very idea of Primerica fraudulent extortioners memorizing your credit card number, jotting it down or typing it in to their computer system and stealing from your bank account. When I started hearing about companies doing this heinous crime, I made up my mind I would start a website and publish them all. Don't have a website yet, but I'm beginning to get started on all of these vultures.

You notice that, with Primerica defenders all over, NONE have shown you how to get your money back! Out of the abundance of the heart, the mouth speaketh. Also, when there is silence at a time that there should not be. A man cannot conceal himself. They don't want people to know about books, tapes and websites that expose them! It is less easy to recruit, recruit, recruit. The love of money is the root of all evil. -1Timothy 6:10
Don't give out your information to schools, reunions, search for people, ever! /URL removed/
http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica§ion=Entire+Website&sort=rank
http://360.yahoo.com/mgtenter95
http://nextaxpro.spaces.live.com

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rocky
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Sep 12, 2008 11:27 am EDT

For Primerica to debit your bank account is an abomination! And saying everybody does it isn't going to fly. Honesty is the ONLY policy. The bankers are so corrupt, they will make you pay 32-46 per returned check, and they process the highes dollar denominated check first. Primerica knows that, yet docked your bank account via use of your credit card number WITHOUT your prior, written permission. A large minority of Primeica RVPs and SVPS are common criminais, worthy of having their fingers and thumbs chopped off for thievery. That's what they did in the old days. It cut thievery way way down. Because of vipers, leeches and extortioners and frauds such as the pyramid scheme of Primerica, one has to get a new debit card every time one does a transaction nowadays. Primerica should be a shining light, not a haven for hoodlums.
http://www.sequence-inc.com/fraudfiles/2008/04/26/the-pyramid-scheme-aspect-of-primerica-financial-services/
http://360.yahoo.com/mgtenter95
http://nextaxpro.spaces.live.com

Regena
Regena
Duluth, US
Sep 09, 2008 9:03 am EDT
Verified customer This comment was posted by a verified customer. Learn more

To Raeiapoc:

I am a home office employee of Primerica, and I would like the opportunity to assist you with your refund request. Please contact me at Primerica's home office at your earliest convenience.

Regena Wood
Primerica Financial Services, Inc.
Duluth, GA
Direct Dial: 770.564.7955
email: regena(dot)wood(at)primerica(dot)com

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Primerica outrageous increase in premium to keep the same policy

My husband and I purchased a term policy with Primerica over 20 years ago. At the time, we were told the premium would increase when we reached a certain age. What we weren't told, is that the premium to keep the same coverage we have had would suddenly increase over $1200.00 per year!

So much for the theory of investing the difference!

We are 46 years old, and God willing, plan to live another 40 years. We've paid over $8000.00 to this company, but now we can't afford the quarterly payment, which has increased over $300.00!

Oh, they offered to exchange our policy for their Custom IV 10 Term Insurance, and only increase the quarterly premium by $50.00+. So, what happens when we turn 56 years old? How much does the premium jump then? Or will we even have coverage at all after that?

Just when you get to the point you may need them, they increase the premium so high you can't afford to keep the policy. I'm going to be looking for another company, while I'm still young enough, and healthy enough to find one. We feel as though we were taken advantage of for the last 20 years. They took our money, and are now forcing us to move elsewhere.

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E r just perfect Nextaxpro
Chongqing, CN
Oct 22, 2016 7:16 am EDT

I try to educate regarding the fraud of a.l. williams, which has continued with con America, AND, become much worse! Most here are PIRATE VS. AMERICA APOLOGISTS, liars, frauds who are afraid they will not be able to deceive potential downliners! For a THOROUGH posting of the con America piracy, lies, deception, dishonesty, cover-ups, lawsuits vs. con America, AND the newest ripoffs and cons that primerica has come up with to STEAL even more from victims and potential victims, see my blog, soon to be a website. IRS, SEC, FBI, FTC, OCC TAKE NOTICE! https://nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-is-fraudulent-pyramiding-it-is-very-very-evil-att-now-abominable

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Jay McGhee
, US
Aug 18, 2016 3:23 am EDT

You seem kind of misinformed on how life insurance works. The main point of life insurance isn't to provide your wife and loved ones with a payout when you die after retirement. It is to protect your loved ones from the loss of income that would occur when you die prior to retirement. The point of the term policy is to give you insurance at an affordable rate so you can invest the remainder into stocks and bonds. Then when you hit 50 years old it is expected that you would have saved for your retirement and whatever else... that your house and other forms of property would be worth something. At that point you can decide if you really need $500, 000 in insurance in case of your demise. If not, lower it to $50, 000 and have a nice funeral and send some grand kids to college. By the time you are 60 you should not be relying on life insurance to provide for your family. You should have saved and created enough wealth to do that on your own through a 401K, a home, etc... Anyhow, good luck in life.

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RPMStock
, US
Jan 11, 2016 10:26 am EST

Problem is with the PRIMERICA mentality that TERM is the ONLY solution. There is a place/need for every type of insurance depending on the individual situation. I do recommend mostly Term for basic temporary life insurance protection. but there are definitely scenarios where a term policy wont do the job. I use a combination of term policies & Guaranteed Lifetime UL policies for pension maximization strategies etc where pure term wont cut it.

It is of the utmost importance for the agent to explain the pros and cons of each and how it might fit into a certain situation. It is also up to the client to make sure the comprehend what they have but is also not the agents fault if a client in 20 years conveniently forgets that they have a level term policy that was locked in a set price at their age 20 year ago.

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Term Life Advocate
Cleveland, US
Mar 25, 2014 5:07 pm EDT

I have a Primerica policy. Twenty year term has expired, rates will increase. Current annual premium $217.75, new premium $507.00; if I exchange to Custom IV the premium will drop to $295.25. My first Primerica policy was purchased when I was in my 20s, because it was affordable and I needed to have coverage outside of what my employer offered. I realized that when I changed jobs and for a short period of time had no coverage. I had a NY Life agent who was recommended to me by a relative quote me
'whole' life which I could no way afford. I went with term insurance, and later the relative who referred me to NY Life dropped them and became an agent for Primerica. Here's the key. They sold me on buy term and invest the difference and while I did not invest the difference with Primerica, when I was able to do so I did invest the difference. Thirty years, no fault of my own, I was laid off. There went my company paid life insurance. I still had my Primerica coverage. It took three years to become employed again. Now that it is time to renew again (not my first renewal) I will weight the two options before me. I intend to keep the coverage. Oh by the way the difference that I invested is now valued at over $900, 000.00. Even with the crash due to the banking industry and even though I have not added to the account since the 2009 layoff. The philosophy of buy term and invest the difference works. However, you have to invest the difference. No I no longer need to have that policy, but for me it is peace of mind. I have a new policy with my current employer and I have my another investment account with my new employer too. I said all this not to bash the person who wrote the complaint but to say that we need to take responsibility and educate ourselves. When I first had the opportunity to invest (in myself) I could not afford it, but based on advice I had been given I realized that I could not afford to not invest (in myself), so I had to make some sacrifices. In the beginning it was the hardest thing I ever did, but it did get easier. I hope any 20 year old reading this takes heed to the advise I was given. Make the sacrifice to invest in yourself. In the end it will pay dividends.

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snowjump
Somerville, US
Mar 08, 2011 1:35 am EST

This complaint should be removed, it's a rant from someone who probably doesn't even have insurance, you know why? They are talking about an increase at their advanced age, when if they were to shop for term insurance at their age anywhere, they'd get a similar quote. If they were for real, they'd have done that and would be quiet about it. Instead, it's probably someone trying to scare people away from term life insurance (which works that way, no matter where you get it!) so that they can dupe people into buying a cash value policy (whose payments stay the same but gives far less benefit!). Yes, this reads like it's written by an agent. There is no indication in this complaint of the benefit vs. cost for term insurance vs. whole life -- which if you know the difference, you would know that they aren't being scammed!

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:04 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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Sue4
, US
Sep 11, 2009 12:42 pm EDT

You bought Term which means that it covers you for a "term" in your case 20 years not for the rest of your life. it is meant to protect you when you are young and have a mortgage, young family, no savings, etc. 20 years later you shouldn't need much if any insurance. this is just a ridiculous complaint.

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Frank H.
Dededo, US
Sep 06, 2009 5:15 pm EDT

I believe that Primerica has the best term insurance programs. The agent I know sat down with me and explained (throughly) how my life insurance program works. The agent actually opened the policy and showed me (page by page) what my policy consisted of, including the projection of my premiums throughout the term of my program. Also, The agent expressed the importance of investing my money in a separate account. Throughout the term of my policy I should be working at reducing my debt and creating my wealth so that by the time I reach the "end of term" of my policy I may not even have a need for my life insurance. Another point is that any life insurance policy is a "contract" and by affixing your signature on the dotted line it is presumed that one understand what they have purchased. What I suggest is that you contact the nearest Primerica office and have them do a NEEDS analysis to determine what is your current financial status, maybe your needs are lesser and therefore your premium will be alot less than what you have been recently quoted.

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rukidding989
W. pALM bCH., US
Aug 30, 2009 7:11 am EDT

The alternative for these people would have been to buy whole life and to pay$1200 or more each year for the last 20 years in order to get the protection they needed. Could they have afforded that? If they could, then they should have put the $800 per year into a mutual fund, today they could have $50, 000 to $70, 000.
Don't beleive it. Check out the returns on Fidelity contra fund or Van Kampen Comstock or 100 other
funds list in the Feb. issue of Smart Money. A cash value policy may be worth $20, 000.
That is why you should never buy cash value life insurance, it is the worst saving account ever. Mainly because your beneficiary loses the saving if you die. That's right the insurance company only pays the face amount of the policy. Do all you whole life agents tell your clients that? In 28 years, I have found, no one.
See Suze Ormond, Dave Ramsey, consumer report etc., etc. If the agent did not offer you the invest the difference part of buy term and invest the rest, then he did not do his job. But, don't you have a retirement account? If you needed money now would it be better to have $50, 000 or $20, 000? People join Primerica to get an education about money and those who join are 5 times as more likely to become financially free.

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vexbasquae
Danbury, US
Aug 28, 2009 3:59 pm EDT

From the sound of it the Primerica Rep did his job by properly protecting you for the term of the policy in the event that you or your spouse passed. Now twenty years later your policy has ended and the policy will be written for your current age, so it will cost you more money. The question that I have is the after twenty years, hasn't your financial needs changed?

Think about it, twenty years, the kids are in college, the house is almost paid off, and your debt is going down. At this point you don't need as much coverage as you did when you were younger. Did you sit down with an agent and assess your financial needs today or did you just try to renew your plan? I have Primerica and I had a policy for 325, 000 for 20 years at 39 a month. That covered my mortgage, college for the kids, and income replacement for my wife and all my debt. Now 20 years later, I only needed 150, 000 to pay off the remainder of my home and make sure my wife is supported, since my kids are now in college and my debt is gone. Price difference, I'm paying 15 dollars more a month. So to me it begs the question: Did you even sit down with a Rep and do a complete analysis again, or did you just call and what to change your policy?

So if you still need the same coverage thats mean your financial needs haven't changed in the last 20 years, not for nothing, but that means you haven't paid off bills, had kids, got divorced, bought a car, home, saved for retirement, etc. I personally think that you are blaming Primerica because you are dumb enough to want something that you don't need, and if you need it, then I'm even more shocked that you only got a life insurance plan and didn't listen to the Rep on securing your future, paying off your debt, and saving for retirement. Life insurance may be a foundation for your future, but that isn't the entire project.

I would love to know if your financial needs have changed or not and what you would need to survive on should your spouse die. If you are still reading this forum, call to find the nearest Primerica shop, schedule a time for you to sit down and redo your financial needs with a licensed Rep. to see what protection you need at this point in your life.

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Primerica - commissions, reimbursements, wages, time, renewals

[protected]@hotmail.com Primerica milico citigroup a.l.williams, inc. pay me what thou owest 31 quarles court, harrisonburg, va primerica pyramid boiler room soon to be dumped by citigroup. Bonnie ---, rvp, a l williams, inc - primerica, whom i had met previously when she was marketing huff cook burial insurance, talked to me about a company that...

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Primerica - witholding inherited money

My son Kali Sharod Jones (dob 5/20/1978) was beneficiary of an insurance policy from his father(deceased) Calvin (nmn) Jones dob 9-2-48) /died in Febuary 2008 in Washington DC. He was contacted by Esther Martinez-Baldivia that he was a beneficiary of his father's insurance policy. He has had forms notarized and he went to DC to sign some forms also. Since...

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Primerica not an upfront company

I had 20 year term through AL Williams, paying 27.37 per month, taken right out of my checking. Now it is Primerica, and when the policy expired, I never heard a word from them. I expected...contract fufilled, done deal. WRONG, Instead 107.00 per month started drawing off my checking account. I never signed a renewal nor did I agree to a 400% increase in premiums for the same coverage I had. I realize that as I age, premiums will be higher, but it would be nice if they bothered to ask if I even wanted it. When I contacted them and told them we didn't want it, they informed me, with a letter today that it will take 30 days to reimburse me because they need to make sure the funds transferred...My gosh. They took it directly from my checking account. They have the money within 24 hours after. Dishonesty...I was considering renewing with them, but never...

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Trent Lagoria
Chicago, US
Aug 09, 2010 10:05 pm EDT
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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Hardie
Raleigh, US
Sep 22, 2009 4:44 pm EDT

Reproducing your complaint as a comment about the complaint is not constructive. Of course, complaining about it is pretty much recursive, too. ;-)

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cricket29
Ph, US
Aug 04, 2009 7:29 am EDT

Another BTW: I know you are using tags and keywords so googling a subject will lead people to your "expose'", but it's totally unprofessional and will alienate any viewer, causing most to simply opt out. Use that talent to set up your own money making website.

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cricket29
Ph, US
Aug 04, 2009 7:26 am EDT

BTW, you mentioned you wanted Workmen's Comp. You may want to study up on your law. You claim other things are illegal when they aren't. You only get Workmen's Comp if you are hurt on the job, not by the job. A negative attitude and not producing in a sales environment is a reasonable cause for getting "fired". They don't have to pay your taxes, your insurance, a base pay or anything because you are NOT an employee. You are an independent agent, which is why you can make your own hours. Study up on the laws about that.

Oh, and I have nothing to do w/this company. In fact, I'm a mod on a board where it comes up often with people considering working with this company. I, along with others, greatly discourage them, but show them links to facts and complaints. My BIL started with them, also, and we were one of the first he tried to sell to and recruit. We already had all the insurance we needed. He didn't stay w/it very long and lost money.

People can indeed have the same IP address. Mine, in fact, is duplicated by someone in Minnesota. Why, I don't know, as we have different providers. You also have shared computers, such as at a library, and the IP, which is often thought to be based on the computer itself, can be the same in an office building. In fact, my IP doesn't even show the correct city in my case.

Food for thought. If you're going to criticize a company, do it well. State facts, rather than opinions, except for one line at the beginning and end. Good luck in your future endeavors, and yes, stay away from any pyramid schemes.

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cricket29
Ph, US
Aug 04, 2009 7:01 am EDT

HuH? The post by RockyPhenom should be deleted. It makes absolutely no sense and uses language that isn't even in context. Rape? He doesn't even know what rape is. Invalid post.

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copernicus2009
, US
May 23, 2009 5:17 pm EDT

Rocky, you're doing too much. Instead of spamming the boards, why don't just speak for YOURSELF.
Primerica is the best thing that's ever happened to me and the people that I've helped agree.

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rocky
,
Sep 02, 2008 11:03 pm EDT

MimiVelazquez@hotmail.com
PRIMERICA MILICO CITIGROUP A.L.WILLIAMS, INC. PAY ME WHAT THOU OWEST 31 Quarles Court, Harrisonburg, VA PRIMERICA PYRAMID BOILER ROOM SOON TO BE DUMPED BY CITIGROUP.
Bonnie ---, RVP, A L Williams, Inc - Primerica, whom I had met previously when she was marketing Huff Cook burial insurance, talked to me about a company that "offered a great opportunity through life insurance sales and asset repositioning". Further, I could work part time and keep my present employ if I desired. Enthused, I worked over 110 hours/week; gave all of my time to the company. Then, within ninety (90) days, Bonnie, RVP, demanded I surrender my Bureau of Insurance license because I didn't meet quotas! THAT'S RAPE!

The RVPs and RSVPs said I couldn't sell on the first visit. In other words, the upline wants to STEAL the policies that you sold by selling out from under you BEFORE you can pay the prospect a second visit!
The RSVPs gave orders and had control as to how the work was to be carried out. Was I allowed to sell different insurance and securities plans than what A.L. Williams, Inc. offered? No. Hence, I was an employee. Where's my severance pay? Social insecurity contributions by AL Williams, Inc? THAT really took nerve! To put in my heart and soul and they say you must turn your license in? For what!?! What ingratitute, exploitation, skimming and heinous, brazen devils. Give me punitive damages in advance. Got any conscience? Yeah, you do. You have the conscience of Ponzi!

It is a surreptitious amount of brazenness and deceit by such people in light of the aforementioned. It's their sin; they can't demand the license because it is false pretenses. It is a fraud. I worked for it; I studied for it. Why should it only be an SCC license that can only be used to sell AL Williams, Inc. - Primerica products? It is a fraud; a sham. I had the same examination. I had to study just as hard as my competition to receive my license to sell life insurance. Bonnie ---, RVP, said you only have to work part-time and can make a lot of money. They lied; they smeared other firms that have protected territories. One needs a protected territory. I would have easily sold four to twelve replacement policies but no protected territory. And that doesn't even take in to account renewals. So another rep had already sold. So you can see from the above I'm still waiting for a fair remuneration for what I would have sold and AL Williams, Inc. - Primerica can pay me for the time I put in. They haven't given me anything yet, therefore, there has to be a penalty for what they did in order to discourage further rapes. I wasted a total of seven months going to the meetings, the class, studying and scouring the supposedly limitless field of "every person you meet is a sale". To be so deceitful and brazen as to pretend to want to be helpful, then to say "give the license back; you didn't meet quotas", is the nadir of depravity and callousness. It is an abomination to do such things. One of many who experienced the same said this: "Very rarely does a RVP or upline give out sources." Isn't that something? I realize that Bonnie nor any RSVP ever gave me any leads.

In addition, former Primerica reps find me every few years. A quote that I can very well relate to: "I was never told how my name was referred to them". They say they are "headhunters". They are leeches; steal your leads; find your family and friends and attempt to rape you again. They're just looking for whom they consider to be suckers. I always have to tell them I am still waiting for my money. If you want me, you have to pay me 1000/week base, give me 500M shares in the company, 300M preferred shares and 1B warrants. Not only has A.L. Williams-Primerica-Citigroup not made any restitution; he has not made an offer of stock or any thing at all in an honest effort to take away the injury done to me. No remorse, no offer to pay for the expenses to get my life insurance license back that was stolen - nothing. AL Williams, Inc - Primerica lies and lies and lies. Here is what I found out while I was slaving for RVPs and DRVPs:

A. $80.00 fee to go to their seminars! The RVP's told us it was a great deal! All the other life insurance companies give their training for no charge AND they pay for your accommodations.
My RVP and DRVPs who spoke at the "pep rallies" lied. They stated that other companies charge you more to go to the seminars to prepare for the life insurance and securities examinations {securities for those who choose}. I had to pay everything out of my pocket. Neither Bonnie nor any of other RVP's,
District or Regional Leaders told me that all the other life insurance companies train at THEIR their own expense. The legitimate companies HELP their reps.
B. I started finding insurance policies that were cheaper! A L Williams RVP's told me I was selling the cheapest. This began to gnaw and gnaw and gnaw more on me, just as this and dozens of other malefactors gnaw hard at EVERY SINGLE worker for and defender of the Primerica nefarious, huckster, blood leeching thief of the poor. It was beginning to dawn on me that Bonnie was a vile, evil liar, pretending my time, thoughts, insight, very hard work and energy were worthless. One of the reasons Bonnie was able to talk me in to the business was the "fact" that A.L. Williams, Inc. policies were the cheapest and the riders made them cheaper yet.
C. No reimbursement for my travel expenses.
D. A sales rep is a rag that they can throw out! They tell you you are going to be very wealthy! The RVPs don't help you; I never, ever was introduced to another RVP or any DRVP. They throw you away so they can exploit another one and steal his/her leads!
E. I started hearing "that person's not even in our market". When Bonnie talked me in to getting in to the business, every one was a potential sale. "Just start a list".
F. I began running in to people who wanted to buy from me but they had already bought from another guy who didn't even work in the same state that I was working in. My eyes finally began to open and it began to sink in that an agent needs a protected territory.
G. You know it is so: when you go in to business, you don't recruit other businesses. You stay right there and build your business up wherever you are. You get the help you need. If you start a branch business, or a separate enterprise, you get the help you need. You don't tell them to pyramid on, for those new recruits to pyramid on, and on until you have exceed the entire population of the world! Those RVPs and SRVPs know that. Those recruits are customers! Defenders of the AL Williams, Inc. -Primerica abomination are either liars on the top of the pyramid and do not want the thievery to end, or they are extremely blinded. There is NO SUCH THING as a pyramid in a conventional company! The only pyramids are those wherewith you are told to recruit, recruit, recruit.
H. I started hearing "that customer is out of our market". I was told "every person is a potential customer. This business is unique".
I. I REALLY got bothered when someone asked at one of the pep rallies what the difference was between mutli-level marketing and Amway. Bonnie's answer was throughly unconvincing. Her answer left me unable to differentiate between A.L Williams and Amway. This, too, gnawed a me more and more, worse and worse, just as every defender of the vortex that you are sucked in to at Primerica feels that gnawing, very uneasy insecurity this very moment.
J. I told Bonnie D I wanted to just sell and not recruit. She said I would not make money doing it that way. {!} You cannot just sell the policy to the customer and get the money to avoid thievery by your up line. You have to sell the policy through Milico. Then it goes in to the A.L. Williams-Primerica computer and the up line automatically takes their cut out of the money YOU the agent earned! I tell you: what a ripoff!

Why shouldn't they feel that horrific scared feeling in their stomach? They are having to depend upon their parents, siblings, friends for suppport while they see their dreams go down the toilet the longer that they cling to a false, cultic hope. They see their life becoming worthless with no sense of purpose. Having to lie to their loved ones and friends and former co-workers about their needless encroaching impoverishment adds to and accelerates their guilt. Now their growing lack of purpose and self condemnation for not listening to friends and loved ones who pleaded with them NOT to get in to the terrifying quicksand that they find themselves in screams louder and louder and deeper in to their soul. The thrill of victory, earning a living and accomplishment begins to die and with it, their desire to aspire, even to live begins to rot. It is useless to contradict me. I went through it and all whom were and are in the pyramid know that I'm telling the truth. GOD created us to work for ourselves. That is best for our souls. When we find ourselves trapped in to making money for an upline that did NOTHING to earn what is not theirs: why THAT is the very definition of slavery! But, like all those in Primerica now {except for the dishonest ones at the top of the upline whom are staying for the love of money! -1Timothy 6:3-12!}, I began increasingly to lose more and more and more contact with reality. I refused to face the inevitable: that I was being sucked like the undertow of a tidal wave in to a ghastly vortex of poverty, then more and more alienation of friends and relatives, then more poverty, more alienation of new friends, ad infinitum, ad nauseum.

A L Williams, Inc. - Citigroup - Primerica still owe innumerable commissions, reimbursements, renewals plus interest and penalties because they stole my license after 3 months. They never
forced Bonnie to admit she was wrong and to return my license to sell. That license was only good to sell Milico products. That's a conspiracy in restraint of trade! The license granted by the Bureau of insurance was good for two years. A L Williams, Inc, deliberately made up the 90 days and I had to pay my expenses on top of it to pass the exam and get my license! What a fleecing! RVPs take away your license without any remorse! It caused me impoverishment and upwards of 99.5% {1500% ~ more on that later} of the other PFS reps wind up impoverished because of this abomination.

It is nothing but pyramidal, nefarious, multi-level marketing. Only those at the top make money: those at the bottom give their time and energy to those at the top. Further, they charged me for the classes. It took over a year for me to recover from all the full commissions I earned but wasn't given because of the "up line", renewals, commissions I earned but some guy was in my territory and got my sales, uncompensated work time, stipends and unreimbursed expenditures. But that's all right.
Bonnie doesn't care that I had to work in the hot sun and freezing winter in construction to get out of a homeless shelter and grinding poverty. But God writes it all down. The Eyes of the LORD are in every place, beholding the evil and the good -Proverbs 15:3
http://360.yahoo.com/mgtenter95
http://nextaxpro.spaces.live.com/

All right. A fair restitution:
1. You can't get around base pay. If you supposedly are going to make this fortune selling "buy term and invest the difference in mutual funds", "the 72 rule", etc, they have no problem giving at least $500/week so you can survive; more in high cost of living areas. That's not unreasonable. As aforementioned, if the reps did well on the Bureau of insurance examination (and I scored 87 out of 95 possible) that's not unreasonable. They recruited us and told us we would be loaded with dough working part-time! Proof: they tell you to set some of your commissions aside for taxes. Oh, they don't tell you how: you have to send in estimated tax to the IRS every quarter. So they lie to you to get out of paying their half of your social security, medicare tax; workers compensation, health insurance, dental, optical, the expense of paying bookkeepers to withhold Federal, State and social security taxes; their time to go to the bank, and, OH YEAH, the life insurance! If they are so rich, they can provide your life insurance and the riders. Therefore, they are illegal! IRS take notice. A.L. Williams needs to be audited back to 1977 as well as Primerica back to 1993. Defenders of Primerica are very, very foolish. You'll get audited, too. I've said it before and I'm saying it again: the IRS is not stupid.
Don't play games with the IRS! They are telling you that you are an independent contractor. You are not! You are told how to do the work, i.e, you are NOT allowed to sell to a prospective client on the first visit.

2. Honest disclosure about the commission structure. We're still trying to find out what it truly is! A.L. Williams, Inc, got around one lawsuit because Alabama {then} had only a one year Statute of Limitations for plaintiff action.

3. Fair remuneration for selling the policy. Primerica can't pound and pound that ludicrous "higher cost first year, lower later" because the reps don't get paid commission in subsequent years. That's laughing in the agent's face! That's an admission that they treat their reps very badly. AL Williams, Inc. - Citigroup - Primerica owes me for the renewals. It's time those responsible are tried, convicted and forced to restitute sevenfold. I say that because pyramiding is allowed in the United States. Those taking bribes; those responsible for government regulators not taking down Primerica, Market America, AlPine, Inc, Herbalife, etc, are to tried, convicted and forced to make restitution to the victims. I, as well as over TWO BILLION victims all over the world of pyramid skimming, await our fair and just restitution.

4. I put seven months of my time in to that scheme, overall. Should I hold my breath that Primerica will pay me fair remuneration for all the mental stress and impoverishment that multi-level marketing causes? Paying compensatory damages to me is not unreasonable, especially since there should be penalty as AL Williams never paid me a dollar. With no disclosure of the commission structure, how do I know I was actually paid an agreed upon stipend?

5. Fair reimbursement plus interest for my travel expenses to take the course and the fee my up line extorted from me. That's not unreasonable. I obtained the license required by the state Bureau of insurance governmental body and passed their test with a high grade. Reimbursement for my travel expenses to obtain the license. That's not unreasonable. A L Williams, Inc, forced me to give up the license I earned! No argument of sincerity can be made by AL WIlliams, Inc, Bonnie or any of the RVP's. They want the leads the downline has and will be very swift to steal them from you. When you franchise a store, if you're smart, you check the contract for a fair evaluation of what the franchisee contributed to the good will and growth of the business. RVP-DRVP staff and lawyers knew and Primerica knows about clauses like that. I was so young and am really surprised at the number of potential clients I visited and the enthusiasm I had and how I helped the image of that company.
I was rewarded with theft of my time, then termination. That's theft of services! That's theft of promised commissions! I gave them my time. A.L. Williams, Inc, and his people are thieves! Never again will it be done to me.

6. A fair evaluation and restitution for sales missed when forced to surrender the license I had studied for and earned. That means they owe me for the bonuses I would have made as well as the sales I lost, not only in the valid period of the license, but in subsequent periods; volume build up; more sales, bonuses, etc! After seven months with far less than waitress 60% of minimum wage minimal income for the equivalent of two weeks work, I was impoverished and forced to take job so I could get back on my feet. Multi-level marketing impoverishes workers! Hundreds of thousands of others have been raped, also, worldwide. Primerica is the same A.L. Williams, Inc. twaddle rebaked.

7. The theft by A L Williams RVPs and DRVPs means lack of credentials for the next insurance place. The sin of A L Williams RVPs and DRVPs: once again, you must have a protected territory. Reimbursement for travel expenses; fair restitution for my time to unnecessarily have to restudy for the examination. Boy, does AL Wiliams, Inc.-Primerica-Citigroup screw people! Taking away your license when no laws nor ethics were broken by the agent is an abomination! Art, Bonnie, Primerica-Citigroup who bought them out [hence bought their debts] and the rest of them should be thankful I'm not asking for compensatory and punitive damage awards! Boy, do they fleece you! A lot of time and
energy for what? To be used and thrown away so they can get your leads! Aha! Know you know why Art and all the RVP's ordered you NOT to make the sale on the first visit! Why? After three months, they will steal YOUR license to sell, which is NOT rightfully theirs! I studied for the test, put out by the state regulator, not by AL Williams; not by MILICO; not by Primerica: not by Citigroup. What a corrupt outfit! You can't even recover unless you take the courses; then the examination all over again! They owe for the mental stress! Those sales District and Regional Leaders really have their nerve in demanding that you surrender the license when you have committed no legal, propriety, moral nor ethics violations.

8. License was good for two years. Out and out fraud and nefarious extortion to only allow a license to sell insurance and securities through AL Williams, Inc! That really takes nerve. whom do they
think they are? God Almighty? The intent is to issue a license to sell life insurance and securities for yourself or for any firm. To limit to Primerica is tantamount to threats, lies, deception, unfair restraint of trade and extortion. AL Williams, Inc, violated the Sherman anti-trust Act without even telling us! Has Primerica turned from such reprobate shenanagans? Citigroup-Primerica must agree to pay for the remaining 21 months of lost revenue as a result of the illegal seizure of the license to sell life insurance. That's generous: AL Williams, Inc, does not have to pay punitive damages and AL Williams, Inmc, doesn't have to pay compensatory damages for a minimum of seven years.

9. Confession by Primerica if they did the same that A L Williams, Inc, did to those who spent money, time and energy to obtain their brokers license. Does Primerica refund your $215? May be sometimes, but then again, Primerica will at times say that you have a "chargeback". Primerica "loans" you money, whether you want a loan or not! Chargebacks is really deceitful. AL Williams, Inc, only allowed their agent to receive a commission for one year, and the client pays a year in advance. In what circumstance could there be a chargeback? In other words, if the RSVP and RVP do not get their slice off of the agent - even after he is gone {!} - they want to still make you pay! And to make sure you DO pay, they "loan" you "insurance money" in the event of a chargeback! Nifty, isn't it? Total evil. Tell it like it really is. Be sure your sin will find you out. It'll find you out. It's found a lot of multi-level marketers of swampland out. And their sin will find the rest of those boiler room shysters out.

10. Honest disclosure about "one year only commission for the agent". The scandal goes on and on. The product is overpriced, making their propaganda academic. And, A.L. Williams, Inc - Primerica may well have been lying to their policyholders for years. This has been changed, that condition has been changed. Matter of fact, I have read threads of Primerica NOT paying off because they did not meet certain conditions, e.g, had not quite reached age 65. And the RVP and DRVPs pressured me to buy a policy that is overpriced! That makes me fume. It should make all of you fume also. Twenty-four years of investigating these cronies convince me throughly that there's shysterism going on within A.L.Williams, Inc., - Primerica that hasn't even been addresseed, not even in the numerous threads!

What?! [redacted] states this? To the editors of [redacted]: Primerica is willing to make amends? They bought AL Williams stock, symbol ALW. When you buy an outfit, you buy the debts. Let's see proof of sincerity. Primerica head hunters {in more ways than one} know I worked there, even if Bonnie were to attempt to deny it. "Not everyone is a sales person {they recruited you, hence you are} - not every one is made for every business and your success depends entirely on the effort you put into it, but, the investment involved is very minimal in light of the training and licensing that it pays for - all this talk about $199 (215 actually) being a rip-off. I guess people are wondering 'why do I have to pay to start a job?' But Primerica isn't a JOB, You're starting a business; { already been addressed -consult the Rock} how many other businesses can you start for less than $200 { $400-$600 actually, but that's for another expose. Unlimited number of businesses can be launched, especially now. It's called the internet!}? Life insurance pre-licensing education is provided at no additional cost to you." {ha ha ha ha ha ha ha ha ha. Primerica lied to you, [redacted]! Again, it's the same A. L. Williams, Inc, vomit microwaved and served up again. More problems with [redacted]. Questionable companies getting rave reviews; new exposes don't get published:
/URL removed/

Documented by other threads, also. We be NOT bearing false witness. That leads one to question the whole scope of the investigation put out by the staff of [redacted]. How deep was the investigation? I've spoken with thousands of life insurance agents, including former AL Williams agents, and they all said that AL Williams charged $80 for the pre-licensing seminar, just as I was. No additional costs? Even then, it was more than $215 as I have documented.}

A.L. Williams RVPs recruiters wanted me to buy a policy! WHAT! Cuckoo! Cuckoo! When I go to work for a company, I get their product for free or at employee discount rates. What's the big deal if a potential customer asks if I have a policy myself? You are going to give me a policy. I'm an employee. Of course I have a policy. You gave it to me! If you did not, you are trying to make me BUY a policy. You know you are nothing but a lying con man, lowdown, double crossing, slick tongued unscrupulous, huckstering, speaking in tongues bloodsucking salesman trying to extort the last nickel from your employees! When I go to work for an insurance company, I get the policy for free. Buy an overpriced policy to help regional vice presidents and district VPs? What deception! What dishonesty! What thievery! You lie right to the face of your agents and expect them not to burst out laughing themselves sick! You say Primerica is the same as any other company. Then why am I a customer? I was expected to pay retail at that! We know your dirty, lying, cheating con game. That's rinky dink. That's Electrolux wanting me to buy a vacuum cleaner. What! I'm an employee. You give to me a free working vacuum cleaner as thanks for working hard for you, you nincompoop! If I'm an independent contractor; if you want loyalty; you are going to give me something. What simplistic horse manure these pitiful, pitiless plights put out. It would be funny as in comfort the feebleminded. -1Thessalonians 5:14. However, these are hucksters. Their inner thoughts are to con you and pluck you of all of your wealth. And that's not all. Your company said I couldn't sell on the first visit. A.L. Williams, Inc, gave orders and had control as to how the work was to be carried out. Hence, I was an employee. Where's my workers compensation coverage, health insurance, extra social security in my account, vacation pay, sick leave pay, severance pay, ESOP, etc? How much was the stock bought for and what was the valuation per share when the two corporations that merged to be named Primerica bought A L Williams, Inc?

[redacted] said "recruit" in their " Rip-off Investigation: `Primerica`. "It should be noted that as an independent contractor, the compensation of a Primerica agent consists of commissions and
bonuses earned upon the sale of a product, either directly or by an override commission GENERATED BY OTHER AGENTS {emphasis mine} recruited into his or her 'hierarchy'. " Not my words, his. Some have not seen through multi-level marketing. "But you should know, that your results are going to equal to your efforts." That is NOT so in multi-level marketing, even in a local economy on the upswing. Here is the best explanation I have seen to date. There are probably less wordy ones, but this is worthy of very careful, thorough study. Primerica IS IS IS a pyramid scheme that's NOT EVEN A COMPANY! If they are a company, why aren't they paying the social security taxes, etc,
for their employees?! http://www.frauddiscovery.net/Herbalife/WallStreetFooled.pdf

"Primerica was been and is under investigation by the SEC, FTC and numerous other governmental bodies. Listing of investigations and litigations can be found SEC's and other sites -->
http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica&mode=&start=&count=§ion=Litigation&sort=rank
If you just do a goggle or Yahoo search on 'Primerica fraud' you will get hundreds of hits explaining lawsuits, Primerica's deceptive tactics and testimonials of people defrauded. Most concerning of all though is that members of Primerica during company's presentations and speeches yell out 'Amen' and 'Hallelujah' (my husband admitted hearing this too) and insist upon Primerica being a 'Christian' organization." {an agent with AL Williams told me that many reps are pastors. It's easy to believe you need "supplemental income" when you are not trusting the LORD for your support - consult the Rock}.

Think Primerica is sincere? Before publishing "Rip-off Investigation: Primerica pledges to resolve complaints & address any inquiries from the past, present and in the future. Commitment to Rip-off Corporate Advocacy Business Remediation & Customer Satisfaction Program. Primerica commitment to customer & agent satisfaction. After interviewing executives from Primerica, it is clear that they are dedicated to helping their agents and clients achieve complete satisfaction and will
not allow a legitimate complaint to go unresolved". Actions speak. Where's my pay? Where's my commissions? I earned the license and would have kept it. [redacted] is NOT being totally sincere. [redacted] is NOT publishing new exposes of Primerica's ripoffs.

[redacted] has to acknowledge that You can't get around base pay and that the average commissions for a Primerica agent is 2000 and the average commission BECOMES A NEGATIVE as only 1.5% of the RVPs, DVPs and SRVPs make seven figure commissions and overrides { and possible kickbacks from chargebacks on their reps!}. If it's not multi-level marketing, why do 98.5% { 1500% more realistically; see above} or more of the reps who try multi-level marketing wind up with a DEFICIT after you figure expenses for the program {or BEFORE! } ? Would you continue working for a corporation wherewith you had to pay fees and month after month after month earned no money and was not paid any thing?!? Any company that pays only sales commissions without binding promises of base pay, profit sharing, preferred stock, stock, warrants - some future reward for work performed - is a slave master. An honest day's pay for an honest day's work. Be up front. Bill Gates was. He asked the workers to accept shares of stock. Those who did not want his promises could walk away. Primerica pressures you to stay with threats of no refund of your $215 (or more) and the usury regarding the loans. Bill Gates backed up his promises. He did not vomit fairy tales of riches. He backed his promises up. That's what A L Williams needed to do and did not. That's what Primerica needs to do and has not, to date. One wonders why [redacted] would stoop so low to defend something that they know is immoral, illegal and a nefarious pyramid scheme, not to mention all the documentation that is still on [redacted]. [redacted] won't publish any more exposes, but the documentation is still there despite what [redacted] sticks into virtually every single title in Prmerica, Citigroup, Milico.

And that's not all. No company is shaped like a pyramid, as you ignorantly say. You RVPs and SRVPs know that you are LYING! Is a sole proprietorship shaped like a pyramid? You could say a dot, square, rectangle. You cannot say pyramid. Is a partnership shaped like a pyramid? Are even a lot of companies, especially relatively small ones, shaped like a pyramid?! No! They are shaped as a trapezoid. And you know it as well as I. In addition to all of that: why are Primerica reps posting all over? More on that two Paragraphs hence. If your product is decent, and, if you run an honest business, and NOT an illegal, immoral pyramid, you're not going to flood the search engines.
What are you afraid of? Darkness is always FEARFUL OF ALL TRUTH AND HAS TO MAINTAIN DECEPTION.

To be demanded by Primerica to pay for a background report made me laugh myself sick! They want any sucker. Any sucker will do! Anybody can get on as an "independent contractor"! What's the background investigation for?! What if I had bought the policy? Would I have gotten my money back? Supposedly A.L. is an open book. The victims {YOU at the bottom of the pyramid} become so brainwashed, they never question anything. A.L. never came to see any rep and he never called for meetings. He can afford to pay the expenses.

Primerica defenders will cease and desist now from defending that nefarious pyramid scheme. Why are they defending so vociferously? Why can't they take the tiniest speck of criticism? I worked for a good hospital once. If someone wrote a critique about the hospital, I would set the record straight and never post; nor check future posts. Why is it that Primerica representatives have been worked up to a feverish speaking in tongues pitch cultic mentality in which no truth is to be tolerated and all critiques
are to be smeared, not rebutted? And that's precisely what multi-level marketing is. Put your money where your mouth is. Pay me my three to 15 million of the coming class action lawsuit, then defend your wicked, pyramid scheme that has impoverished I and millions of others. You would be put to death if you defended it in China. Amway is NOT allowed to pyramid in China. And you know it, and I know it. In China, parents can raise their children to work to aspire and educate themselves and find better work. THAT will NOT be the case in the USA until pyramids are made illegal and those responsible for draining and fleecing millions of middle class, lower class and college students are tried, convicted and placed in to the electric chair.

ILLUMINATION AS TO WHY YOU SEE THIS GOING ON:
I’m sure, like me, that you see these sorts of adverts {advertisements} all the time - “Make millions now with just a few hours per week” “Fire your boss, earn $10, 000 per week. NOW.”
These adverts are in the newspapers, left at bus shelters, in phone boxes, plastered across the internet and spammed by email. If you haven’t already guessed, they are promoting multi level marketing - MLM. MLM: Has it had it’s day? I’m of the opinion that multi level marketing was once a legitimate business model {zero chance! The very structure. It's a pyramid - consult the Rock} which provided a means for small companies to get their unique products to consumers in smaller towns
and out of the way areas which otherwise had no access to these products. The products tended to sell themselves, and the multi level angle was a way of rewarding those who had worked hard to build the organization. The focus, back then, was always on the product.

Today, in this internet age we live in, consumers can obtain pretty well anything they desire, with ease, and at competitive prices. Therefore, I would say that there is no longer the same need for multi level marketing as a distribution system in the way that there was before. Perhaps that is why a large number of MLM companies now seem to focus more upon recruiting new sales people. With overpriced products, those working in multi level marketing need fresh faces in order to make profit, be it through the recruitment itself, their downline’s sales or, simply, by persuading them to buy products which can often be found cheaper elsewhere. {THAT'S IT!} With that in mind, would it therefore be fair to say that all multi level marketing opportunities are scams? With multi level marketing out-priced, and unneeded in terms of distribution, the only thing left to sell is membership, to recruits who will then look to make money from further recruitment. This, if I’m not mistaken, would define multi level marketing as a pyramid scheme and a fraud. With products freely available across the internet,
and at much lower prices, can you really believe these claims from multi level marketers that their opportunity is so great that everyone will be buying into it, or that it is the way business will be done in the future? With almost no MLM schemes selling any kind of significant volume of products to consumers outside of the program, surely that is the proof that MLM is a thing of the past, continuing to exist solely by scamming more hapless recruits into their world? {SIC: .}

BUYING YOUR WAY IN {I MEAN: ! I know of none, nor have I heard of any, that didn't want the "independent contractor" to become a customer, i.e, buy their product AND pay a fee
for the "privilege" to buy their overpriced product!} If a multi level company is based on selling products at retail, why do they ask recruits to pay sign-up fees to join? If the product is that good then the distributors will make money for themselves, and the organization, by making retail sales won’t they? If a signing on fee is required then it sounds like no more than one of those advanced fee email scams I receive in my inbox every twenty minutes.

SCAMMING YOU TWICE
Once you’ve paid your dues and joined the scam multi level marketing organization, they may well attempt to fleece help you again. Often, this is via the requirement to buy promotional materials or samples of the products for which you have already paid for the privilege of selling. If the organization asks you to buy tapes and Dvds for extortionate amounts of money then shouldn’t you think twice? They cost so little to produce, and are supposedly designed to help you sell the wonderful retail products to make money for the company, so why do they need to make such a big profit out of selling them to their own distributors? Also, why should you have to buy samples when you have already paid to join in order to sell those very products? Doesn’t that sound like a scam to you?

{SO-CALLED} TRAINING
If you have a traditional job then your employer will train you to undertake your duties to the best of your ability. This makes good financial sense to them as it will maximize your productivity and ability to generate a good return versus your wage cost. Why then, do many multi-level marketing schemes require payment in return for their training seminars? Surely {SIC: WOULD NOT IT} it would be in their best interests to train their distributors for free so that they can profit from their retail sales? {sic: ! OR .}

The trappings of success {CLARITY: ONE OF THEIR CONS}
If you join a multi level marketing scheme and get to meet the boss, or one of the other guys at the top, then you may well see them in their plush offices, or with their photographs of holidays, boats and mansions. Do you really think you will have these too, by pushing their products for them? Unless you are really gifted and determined then these trappings of success will be out of your reach, attainable only by those at the top who sit back and see their minions fail and lose money whilst lining their products through their uplines.

DROPPING OUT
The drop out rate for multi level marketing is somewhere around 98% { TWO POINTS HERE: NO STATISTICS ARE KEPT BUT I AM SURE IT IS OVER 98% FROM A SURVEYING POLL STANDPOINT. HOWEVER, YOU MUST NEVER FORGET MY NEXT POINT, POINT NUMBER TWO: IT'S OVER 400-1500% BECAUSE SOME GET SUCKERED NUMEROUS TIMES WITH THE NEXT MULTI-LEVEL MARKETING PYRAMID THAT COMES ALONG! I HAVE SEEN THIS! WITH ONE DEAR FRIEND, I WAS UNABLE TO MAKE HER SEE. SHE WAS CONNED OVER TEN TIMES BY PYRAMID SCHEMES. EVERY NEW MULTI LEVEL PYRAMID THAT CAME DOWN THE PIKE SCAMMED HER AND A LOT OF HER FRIENDS}. This means only one in fifty people continue in the scheme for any length of time. Why?
Is it because they are not gifted or lucky, determined or successful? Or is it because they realize they have been duped, paying a fee for something they then realize they cannot sell {CANNOT BE SOLD}?

JOINING A CULT
Some multi level marketing schemes are almost cult like in their approach to marketing and doing business. Over a period of time distributors are slowly brainwashed into believing all the hype that they come out with in their attempts to gain a new sale recruit. Negativity is not allowed anywhere within the organization or outside of it either. On this blog, and others like it, supporters of various multi level marketing schemes will always appear to have their say, and often to rubbish {LIBEL} the claims of those who speak out against the organization they work for. In fact, some are so determined that I have seen them commenting on this very site using multiple names (oops, guess they didn’t realize I know their IP {internet service provider, I believe} addresses). Some have even said they are leaving this site in disgust, never to return, only to reappear a few minutes later with another positive comment under a different alias. If you have a website that says anything negative about certain {MULTI-LEVEL MARKETERS} then you become a target. There are services out there that specifically target multi level marketing organizations{!}, offering to optimize there {sic} sites in order to outrank anyone who says anything counter to their doctrines {DOGMATIC, CULTIC POPPYCOCK}.
A recent development is that these multi-level marketers will post articles themselves, on unrelated websites, that will ask if they are a scam and then ‘prove’ that they are not. With clever marketing, utilizing YouTube amongst other places, they then get said sites to rank well in the search engines, often spamming their way to domination over the whole first page of the search results.

BUYING THE PRODUCT YOURSELF {! - consult the Rock}
Many multi level marketing schemes offer different levels to their distributors, often offering different levels of commission or other perks. Some distributors will apply pressure to their down line, demanding that they achieve, thereby lining their products. Other lower level distributors may need their egos stroked and so they will buy inventory for themselves in order to appease one or the other, or both. Often this inventory will be unwanted by the distributor who purchased it. There are many stories online of failed multi level marketing distributors with garages full of worthless stock.

FAKE IT UNTIL YOU MAKE IT {THE CULTS DEMAND UNQUESTIONING LOYALTY, BLINDNESS, SLAVE AND INFINITE NUMBER OF HOURS. THE CULT ABSORBS AND THE VICTIM [DOWNLINE] SLAVES TO SELL AND SLAVES EVEN MORE HOURS IF THE WORTHLESS OR OUT OF DEMAND PRODUCTS DO NOT SELL! THOU SHALT NOT BEAR FALSE WITNESS. IF THE PRODUCT OR SERVICE IS WORTH LESS OR WORTHLESS, TELL THE NAKED TRUTH.}
Purchasing inventory to gain a higher level within the organization isn’t the only means of faking it until you make it. Within some schemes distributors are encouraged to buy symbols of status, such as cars, or to lease them. Such purchases or leases add to the illusion that the distributor is successful and may prompt potential recruits to think that they too can make it big by joining. In reality, they just represent a further cost that may not be met from what little the distributor actually does make through the scheme. Does giving the illusion of being rich and successful mean they are, surreptitiously, scamming new recruits into thinking they can achieve the same trappings?

SHILLS
If you read some of the comments left on this blog about MLMs {multi-level marketers} then you may be forgiven for thinking that there are a large number of distributors out there who are making a fortune. Whilst {While} it’s possible that some {LESS THAN .0000001: remember the aforementioned -Consult the ROCK} are, I am of the opinion that most are faking it until they make it and are, almost certainly {SIC:, }, ’shills’. These means they represent the multi level marketing scheme in question and are employed to go around the web and blogosphere, leaving positive comments everywhere and leading people into believing their way is best and that they can make huge amounts from it. The number of times I have had to moderate comments and remove people’s e-mail addresses from their ‘helpful’ comments can attest to this.

REFUNDED BUT NOT IN FULL {OR NOT AT ALL. I KNOW I WAS NEVER REFUNDED}
Many multi level marketing companies will have some sort of refund offer, leading distributors into believing that there is little to no risk. However, they generally have strings attached, such as not being a full refund, or having terms and conditions attached, such as the apple patch diet that gives a full refund that is below their minimum payout level. These conditions make the practice of returns nigh on impossible and can be very misleading which, in my opinion, is another indicator that it is all just a scam.

"And I will also say that I’d love for Primerica to publish a book listing all the people who make poverty level earnings." -Tracy Coenen Right on, Tracy Coenen. To this, I say AAAAAAAAMUNNNNNNNN ! And I won't hold my breath because none have interviewed nor e-mailed I.
http://360.yahoo.com/mgtenter95
http://nextaxpro.spaces.live.com
http://www.complaintsboard.com/new_complaint/
http://www.consumerfraudreporting.org/primamerica.php
http://www.frauddiscovery.net/Herbalife/WallStreetFooled.pdf
http://www.pinktruth.com/index.php?option=com_content&task=blogcategory&id=72&Itemid=123
http://pyramidschemealert.org/PSAMain/resources/ppsabstract.html
http://www.scamtypes.com/is-time-up-for-multi-level-marketing.html
http://www.sec.gov/cgi-bin/txt-srch-sec?text=Primerica§ion=Entire+Website&sort=rank
http://www.sequence-inc.com/fraudfiles/2008/04/26/the-pyramid-scheme-aspect-of-primerica-financial-services/
"I believe that a long step toward public morality will have been taken when sins are called by their right names." -Billy Sunday
HOW PROPHETIC with clapped up, urine drinking, child molesting sodomites being called "gay". WOGS - Wrath of God Syndrome watered down to aids and hiv. Loathesome, sinsick, sex perverts being called "bi, transgender, crossdressers". [censored] called "lesbians". Your sex is labeled your "gender".
And "homophobe, homophobic". These be not words! Consult your dictionary! I don't have a fear of man. Homo means man! The fear of man bringeth a snare, but whoso putteth his trust in the LORD shall be safe. - Proverbs 29:25
And, you guessed it, a nefarious, surreptitious, abominable, ugly, leeching pyramid boiler room scheme being called "multi-level marketing". It is NOT marketing! It is a shyster, con man, fraud, skimming, blood sucking, lowdown, varmit, thief, robbing YOU or YOUR hard earned money and credit. - consult the Rock
http://groups.yahoo.com/group/MGTENTER95/
http://us.mc365.mail.yahoo.com/mc/compose?to=MGTENTER95@yahoogroups.com

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Primerica - honestly...

I have never been happier in my life to not listen to one of your comments. Primerica is the single best thing that has ever happened to me in my life. They have saved my family and extended family thousands of dollars, given us a chance to own our own business, provided us peace of mind that our kids can go to college, made sure our retirement was on...

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