Primericacommissions, reimbursements, wages, time, renewals

This review was posted by
a verified customer
Verified customer

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

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, 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?!

"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 -->
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? 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??? hhmmmm????! hhmmmm??!!! i can't hear you!! why is the silence deafening???!!! i can't hear you!!! speak!!! you love to speak when you lie to whom you hope are suckers. why won't you speak when it's time to defend your self. every single soul knows. 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 al is an open book. you become so brainwashed you never question anything. he 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 primeirca reps have been worked up to a feverish speaking in tongues cultic mentality in which no truth is to be tolerated and all critiques are to be smeared? 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?

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.

"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". [censored] 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
Http://[email protected]


  • Sa
    sar12 Mar 11, 2011

    2 Jay Knows Best
    I would really appreciate it if you have your grammatical errors checked first of all. Second, PRIMERICA is a complete scan. NO, I mean NO ONE is desperately hiring. I mean come on! In this economy? They would call my grandmother's house begging for their grandchilden to come and work. Now that's a sign of scam. and YOU mr. Jay knows best, have absolute no educational background. When you have a masters in business you will understand the concepts behind making REAL money. For now, go have a drink at the bar and TRY to get your GED atleast.

    2 Votes
  • Tr
    Trent Lagoria Aug 09, 2010
    This comment was posted by
    a verified customer
    Verified customer

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

    2 Votes
  • Ja
    JayKnowsBest Mar 08, 2010

    It is obvious that this person is trapped in the world of being and employee and does not have what it takes to be a business owner, yes, a business owner is what you become when you invest your time with primerica you create YOUR OWN busines leads and YOUR OWN travel expenses and there are many many more products that primerica offers that are absolutely amazing and life changing for all this nations consumers, I am a customer as well a rep for the company and I have never been happier nor made the kind of income I am making now at the age I am and I have clients of mine who are now very close friends because of my services to them. Here is my last thought, you have believe in what you are doing as well as know who you working and being infuenced by I am 25 years old and I believe I have more in my life that I am blessed with as well as what I have achieved then this person. Do your research and be a leader and be smart and most of all be happy with you. Thank you.

    -1 Votes
  • Je
    JeninCO Oct 13, 2009

    I completely agree with everything you wrote. Priamerica gives other reputable financial planners a very bad name since they have very deceptive practices. I was recently at a meeting where I had a PFS Rep walk up and try to recruit me until she realized I am a licensed agent. I about choked on my coffee to hear her tell our Pastor that PFS is a Christian-based organization. All lies!! I think she will go to hell for lying to a clergy person and try to pimp herself in the church.

    First of all, they are not. They are all about the profits and not giving back to the community or their investors. If they truly were a Christian and/or community based company - They should be a not-for profit company, but they are not.

    Second of all, the products are very limited and there are much better products in the market. The "Buy Term and Invest the Rest" or Suzie Orman philosophy has proven to be a failure - You all do realize that she got in significant trouble and lost her license? I personally prefer to have a whole life policy where the monies I pay into the policy are accumulating cash value. Term rates continue to be reviewed and increase at the end of the term. That is why Priamerica sells short term insurance - We bought our first life policy from a friend and had to pay admin fees and got an increase every year when the term policy renewed. We were young and didn't know better - Not now!

    Priamerica was created because the former company run by A.L. Williams was sued so many times, they were shut down. Voila - The birth of Priamerica. Then CitiGroup comes in and things never got better. CitiGroup is involved in a very large class action lawsuit for deceptive practices. Even though the suit doesn't mention PFS directly, Citi is the parent company.

    The recruiting efforts are ridiculous. I can almost recite the script about the "excellent opportunities and how they are expanding the territory". One of the DM's has called me every quarter - I finally had to tell the guy to never call me again & don't you know he called me a few weeks ago. Great customer service!! Total idiots!! What I have come to understand is that they prey on the weak & ignorant and so they can train and brainwash new recruits. I know that this will irritate people working for PFS, but your ignorance isn't making you a better agent when all you do is lie about other companies and deceive. If you really want to see some excellent companies, check out the fraternal insurance companies.

    Any consumer should check the ratings before getting into a relationship with any financial company. AM Best rates many of the companies, but you will never hear a PFS agent tell you about their ratings. Why?? Because they suck.
    Also, check the solvency of the companies. The govt says a company should be $1 to $1 and have enough money in reserves to pay out all policies. Priamerica doesn't have that because they invest so much in the stock market thru the mutual funds. What happened the past 2 years?? The market took a dump! Guess what?? Priamerica doesn't even talk about the market performance or when they do a needs analysis, they don't even suggest that there are market highs and lows. They will just tell you an average, which is another lie.

    I hope that any educated person takes a bit of time and does some research. Given how hard it is to make a dollar, at least have your money be protected by a reputable company and do your homework. Read about the customer service complaints, about how many employees turnover, and you will realize that PFS isn't the company you should choose to do business with as a customer or an agent.

    0 Votes
  • Ha
    Hardie Sep 22, 2009

    Oh, and by the way what does Market America have to do with this rant? Nothing? Thought so. The MA plan works even better than the ALW plan did. The company has many more products than any other home based network business, too.

    0 Votes
  • Ha
    Hardie Sep 22, 2009

    I was in AL Williams through 1992. I found all of the people I worked with to be honest, hardworking individuals. The financial representations made to me which I was taught to pass on to my clients are totally correct in terms of the importance of life insurance and investment in mutual funds. This knowledge has seen me well through several booms and downturns. I learned great things from Art and his team.
    The licensing issues were made very clear to me. I also held the limited license to sell mutual funds.
    I left the company on my own bad decision during a nasty divorce. I know people who are still working with Primerica and doing very well. Of course, their marketing approach has changed over the years and YMMV.
    If you won't do this, do something, otherwise in five years when you look back and Nothing in your life has changed you will the the same miserable old sod.
    "Buy Term and Invest the Difference"

    0 Votes
  • He
    Heather Apr 21, 2009

    P.S...while I think this original post is too long and wordy, the poster has a right to share his/her unfortunate experience with Primerica, no matter whether it is a common experience or unlikely. That is what this board is for.

    0 Votes
  • He
    Heather Apr 21, 2009

    Someome_who_cares, you must be one of the Primerica folks that call and solicit this "stuff" to people. I had Primerica call me once a few months ago, and I went to the first "interview" and the second stage which is the group seminar. Yes, I learned some interesting facts, but when they started asking for $99...NOT for a license, but as an "administration fee" for a background check...something felt wrong. I know from experience in HR that a background check, which costs about $45-50, is only done when someone is offered a position. They wanted this "non-refundable" $99 BEFORE the third "interview", which is where they said they would tell you what you would be doing, and whether you were a match for them and they for you. So you had to pay to find out this information. That means they can take that money, get you in there, and tell you you're not a fit and then you'd be out that $99. They could do this a few hundred times and collect almost $10, 000 just from that alone! You should never have to pay to get a job, or just find out what the job offer is. After declining it, they called me again a few weeks ago and when I firmly (but politely) told the woman I was NOT interested and to take me off their list, she became beligerent and insulting. MY take on the whole thing is that it's shady, at best...but most likely, predatory.

    1 Votes
  • So
    someone_who_cares Feb 22, 2009

    Wow you had a lot to say. Did you let it all out or did you leave somethings out?? Hmmm.. You were asked to turn in your license?? That means you probably were doing something illegal or unethical.. I am glad you are no longer with PRIMERICA.. Agents like yourself give us a bad name. You were not doing what was right for the people, I am glad you got punished. How hard is to educate clients on their needs and get paid on that? Well I guess it was really hard for you. Also, honestly do you really think if we were doing doing our clients wrong for 32 years our Government would not have closed us down already??? Did you read that 32 YEARS!!! We are not a Mickey Mouse company that just started last year!! I have sat down with a lot of people and it feels great to be able to help them. You know what else, to be able to work with someone who had no direction in life and you are able to motivate them and help them change for the better if that is not great then i don't know what is. When I graduated college I did not pick up a book for the life of me. PRIMERICA and their leaders are constantly asking people to read books on how to self improve not only financially but also how to be a better person. Let me give you an idea of the books they recommend (some leaders give them to their team). Tell me if these are harmful books that make us a Cult. Oh by the way the people who wrote these books are not in PRIMERICA:
    1. The ABC's of MAKING MONEY by Dr. Denis L. Cauvier and Alan Lysaght (recommend to read it, especially page 194.
    2. The Secret (hmm this book is really bad watch out.. HAHAHA)
    3. Success is not an Accident
    4. Notes from a Friend by Anthony Robbins
    5. How to win Friends and Influence People by Dale Carnegie
    6. Think and Grow Rich by Napoleon hill (Excellent book to read)
    7. What to say when you talk to your self by Shad Helmstetter, Ph.D

    I can go on and on. What was it this person complaining said.. hmmm.. oh that is right we are a cult!! Come on now!! Stop bad mouthing PRIMERICA!! It did not work out for you, move on. It does not work for everyone. A lot of people think that you can come in and become an RVP over night. This BUSINESS IS FOR REAL!!! If you put in the time and effort you need to it will pay off. When you try to reinvent the wheel you will fall!! It is your own business so you have to put some work into it!! If you did not want to work and wanted to take advantage of people( that is why they probably took your license away!!) I am glad you are no longer working with us.

    Oh by the way you said $99.00 is lost right. Ask someone to pay for the life, Health and Annuities license to see how much they have to pay. Then ask them do they prefer to pay $99.00 or $400-500. Don't know what your situation was, but if you get your license and you don't want to work with us you can use the license with another company. You don't have anything to lose. I got my return for the small investment that I made 100% plus more. $99.00 for license first sale $546.00. Hmm no brainer.

    For those of you who are here looking to see what people say, I have a piece of advice. Have you ever read any review on something, lets say a movie review. They said it was the worse movie they have ever seen, the actors were horrible, it had no story line and so on. You did not go see the movie but then you saw it on video and you said to yourself what were these people talking about it was a Great movie. Well the same thing goes with PRIMERICA. There are people that have some bad experiences and they quit PRIMERICA, that was their choice. Don't you think you should give it the benefit of a doubt by you trying it out and deciding yourself. What if it is true what we tell people?? Do you understand that just knowing the rule of 72 you are already ahead of the game if you did not make one cent in PRIMERICA!!! I have taken financial courses in College I never heard of the rule of 72!!! What if you can make $500 to $1000 extra a month on a part-time basis helping your family, friends and yourself?? Or even better what if you do decide to make a career change and you do make it to RVP!! We forget sometimes with all the negativity of reality how to dream. We have to dig in deep in ourselves and find that child to be able to dream again. To many of us are taking life tooooooo serious and remember life is to short. I am not telling you that you will become a millionaire here, but what if... What if you can dream again... What if you have an opportunity.. Just a small opportunity to add to your income.. That alone doesn't that give you some guts to give it a try... Worse case is that you don't like the business and our crusade.. But you leave with education about how to manage your money.. I don't know about you, but I was not taught in my home to managae my money... I have learned that here..

    If you want to look at it in a different way. The $99 you pay (which is for the state) think of it as paying for a financial education that would have cost you a lot more in college. Ask anyone, better yet go to college and ask them how much would a course in finances cost you. Do that instead of coming to work with us, not for us. See how that works out for you.

    Everyone who reads this really look inside yourself. Decide for yourself. If you don't want to do this DONT!! If a piece of you says let me give it a try do it!! Just don't listen to people who don't know what they are talking about or maybe just had a bad experience. Sometimes those things do happen. Someone really angry because it did not go well for them tries to lie to other people to convince them this does not work. People it WORKS!! I have seen it work!! It works if you work!! It is not easy. But remember the things worth fighting for are never easy!!

    I hope this helped some of you. Have a great day, week, month, year and life. Dream a little and Just Do iT!

    0 Votes
  • Cc
    CCFD Feb 14, 2009
    This comment was posted by
    a verified customer
    Verified customer

    You have no idea what you are talking about. Great showing of ignorance!

    0 Votes

Post your comment

    By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions


    Unhappy consumers gather online at and have already logged thousands of complaints.
    If you see dozens of complaints about a certain company on ComplaintsBoard, walk away.
    One of the largest consumer sites online. Posting here your concerns means good exposure for your issues.
    A consumer site aimed at exposing unethical companies and business practices.
    ComplaintsBoard is a good source for product and company gripes from especially dissatisfied people.
    You'll definitely get some directions on how customer service can best solve your problem.
    Do a little research on the seller. Visit consumer complaint websites like ComplaintsBoard.