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Primerica / their life insurance is more like a death sentence

1 United States Review updated:
Contact information:

Primerica did not convey proper business protocol when receiving my term life application and during the determination process thereafter.

1) They would not provide a copy of the application they took from me after the interview 2) They would not provide specifications or paper work related to how they determined rates for their customers after the interview 3) Their medical examiner took my blood pressure three times and asked me personal medical questions in between each blood pressure reading and it felt like a lie detector test. 4) They told me my insurance premium was going to be double what they originally quoted me after four and half weeks from the time of my initial application.

Their explanation was that my driving record and body weight in relation to my height were the reasons. A) It turned out that my driving record has had no points added to it since 2003 B) It turned out that the body weight I needed to come in at was 206 and my weight was 208.5 on the digital scale the examiner brought with them, with my clothes, shoes and cell phone on and about a gallon of water in me because the medical examiner told me to drink as much water as I could prior to her showing up.

It turns out that the examiner logged in a different weight than what I had seen on the scale but that my agent could not tell me what the examiner logged in due to privacy laws? (My privacy was private even to myself)

So obviously I was sensing that something just seemed a little too convenient or maybe "constructed" or that I may have been part of some "auto-piloted" process, where people get quoted a low number to draw you in and then because there is no way of proving anything they say after the fact they double your premium.

I was emailed from my agents personal email, not a Primerica email, which I thought was odd and I am still waiting for any conclusive information or evidence that would justify they're reasoning for doubling my premium.

I have faxed them my driving record which I happened to have on me and offered to allow them to take my weight again at any time (this time with the knowledge that my weight was off by 2.5 pounds, fully clothed, with a cell phone and about at least a half gallon of water in me, but Have not heard back from them.

The last I heard from them was about four days ago and at that point my agent said she was still waiting to hear from "Underwriting" about a possible re-evaluation of my application and that she would call me "tomorrow", that was three days ago.

I sent them an email yesterday explaining that if I did not receive an explanation in writing regarding all my inquiries by the end of the month that I would turn the matter over to my attorney and that I would exercise any and all of my civil rights to get to the bottom of this possible hoax.

My advice to anyone who might be considering any kind of life insurance from any insurance company.

1) If they will not provide you with a copy of the application, run...

2) If they will not provide you with specific guidelines on how they determine your premium, run...

3) If they make any claims what so ever about how great, big and successful they are, ask for proof...

4) Last but not least stick to a known life insurance company (in my opinion), because if something is too good to be true it probably is.

Good Luck!!

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  • To
      10th of Feb, 2016
    0 Votes

    did someone mention Forbes?;[redacted]-is-in-expansion-mode/

  • Tr
      1st of Dec, 2015
    -1 Votes

    I'm with primerica and they also are #10 on Forbes list for must trustworthy financial services. Pyramid scheme my ###. People just want to put a good business down

  • Ja
      22nd of Mar, 2011
    0 Votes

    I have been a Primerica client for over 5 years, and my father has been a client since 1979, when they were known as A.L. Williams. I have always felt that they have had a significant positive impact on my family. Recently, I was told that I should be wary of this company, that they are a “scam” and a “pyramid” scheme, and that I should do some research on this company on the internet. I decided to do so, and this is what I found.

    There are some very favorable articles that have been published on this company lately.
    They have been featured on/in
    -The Wall Street Journal.
    -The London Times
    -USA Today
    -Fox Business News
    -Jim Cramer’s Mad Money
    -Google Finance, among others.

    Here are some interesting facts I found on the company:

    -Been in business since 1977
    -Regulated by the SEC, FINRA, and the Dept. of Insurance in every state they are in.
    -Maintains a positive rating with the Better Business Bureau
    -Rated A+ by AM’s best, an independent insurance rating company (similar to Consumer Reports)
    -Owned for 20 years by Citi, the largest corporation in the world.
    -Recently went public, April 1, 2010. Traded on the New York Stock Exchange
    -Warburg Pincus, a private investing firm, invested $240 Million into the IPO (Initial Public Offering)
    -Before Warburg Pincus invested, they spent over $9 Million investigating the company
    -The stock is up over 50% in the last 10 months, and has been called the “IPO of the year” by Jim Cramer and others.

    Here are some links you can explore yourself:

    /link removed/

    As a matter of fact, this is the only negative information I could find on this company:

    -Blogs, such as the one here, posted by anonymous people, who do not have to post their credentials, their real name, or anything to show that they are telling the truth, or even know what they are talking about.

    I’m sure there are some people in Primerica who are not on the up and up. They are a large company. However, with all the government agencies, consumer advocacy groups, media, and investors looking so closely at this company for the last 34 years, I’m sure that if they were a scam, pyramid, or into any kind of shady practices, someone would have found out and shut them down by now.

    I’m glad that I had an agent over 5 years ago. The simple financial advise they give
    is going to make a difference of hundreds of thousands of dollars to my family over the next 30 years. When doing research, don’t look to the “gossip”, look to the facts.

    PS: You may see this post on multiple sites, I don’t like to see any of the few good companies out there get bashed undeservingly.

  • Tr
      9th of Aug, 2010
    0 Votes

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

  • Al
      19th of Jan, 2010
    0 Votes

    Rocky Drake: Primerica does truly aim to serve the best interest of the consumer. When ever you have a company that has independent workers there will be bad experiences and good. The home office can take care of any negativity and they feel obliged to do so. Unfortunately things happen that don't always reflect the best intentions of the company. Anger and complaints should be properly directed to the home office in Georgia. Instead some choose to embark on unnecessary smear campaigns because they did not follow the proper channels to get their personal issue resolved. I'm sure that Primerica would have resolved the issue had they been promptly and properly contacted. There is no need for me to defend a great line of products and as wisdom tells us: Always read the small print, ask questions, and refer concerns through proper channels. You will save others and yourself many headaches in the future. Keep your emotions out of it because they are very unreliable.

  • Jo
      31st of Aug, 2009
    0 Votes

    I have worked with Primerica before and they gave me great rates on life insurance. They weren't the absolute cheapest but they were offering renewable term which wasn't an option with the cheapest term companies and they gave me great service. For a few extra bucks a month I'd rather feel comfortable knowing that I've bought the right thing. They have also helped me invest in mutual funds that have done extremely well. Much better than the index fund I was invested in previously even with NO LOADS. They're "expensive" load has brought me more interest on my money than the "cheap" fund I was previously invested with. Hmmmm...something to think about.

  • Ca
      14th of Mar, 2009
    0 Votes

    My mother was with primerica for the last 20 years and as a child we received benefits with no issue. I know they never tried to give us the run around when paying out benefits and also her premium has fluctuated a total of 5 dollars over the last 20 years...

  • Ro
      21st of Oct, 2008
    0 Votes

    Herb, thou shalt not bear false witness. You will burn if you do not get saved!! You don't explain the policies to your duped cleints. You aim to decieve. The policies are TERRIBLE, as evidenced by thousands of exposes and testimonials in books, tracts, leaflets, radio shows and websites.
    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. Primerica is being dumped by Citigroup. What will back up the pyramid abomination of Primerica then?

    "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!!!}
    Keep minors from seeing. Expose of A.L. Williams with a lot of foul language in it..., _Inc-Primerica.html§ion=Entire+Website&sort=rank
    "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". Dykes 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 NOT marketing!!! 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

  • Ro
      2nd of Sep, 2008
    +1 Votes

    Primerica, nee A.L.Williams, rips the policyholders as well as the agents lower down from the top of the illegal pyramid. I find it amazining that Primerica defenders are paid to browse search engines and smear truth. Precisley like liberals, they smear and never shoot down the truth because THEY CANNOT. This scam defender has done the same thing: never addressed the issue. Just went raving along with generalizations about great Primerica is. Why? Read my post.§ion=Entire+Website&sort=rank
    "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". Wrath of God Syndrome watered down to aids and hiv. Loathesome, sinsick, sex perverts being called "bi, transgender, crossdressers". Dykes called "lesbians". Your sex is labeled your "gender".
    And "homnophobe, 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

  • Sa
      6th of Jul, 2008
    -1 Votes

    We had a Primarica agent give us life insurance quotes and tell us that they had the best rates and even challenged us to find better. Well, we did right away through an Accuquote agent (which is recommended by Consumer Reports).. We had several better quotes for the same coverage than Primerica. The agent couldn't believe it. We got the feeling that in the training the agents receive they are told that Primerica offers the best but few actually go out and check it out on their own.

  • He
      13th of May, 2008
    0 Votes

    I have been working for Primerica for the past couple of months and I am totally loving it. The products they sell are fantastic and I sleep well at night knowing that I am providing solid products. I really confused by what happened to you, irregardless, you should've phoned the Primerica Head office to speak to someone there. I do not know the whole story, so I cannot comment on the actions of the agent, but if you felt this way, then the agent didn't do a proper job in providing you information. All life insurance contracts have a 10 day viewing period. You may cancel the policy during this time and get your money back right away. Whenever I deliver a policy to a client, I sit with them and go over their policy so that they completely understand what they just purchased. Knowledge is power and my clients are beyond happy with the life insurance I have provided.

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