Primerica - Citigroup

Looking for any information on these guys. They have been calling me a lot about some job opportunity. From what I've been reading on Citigroup I should not bother. I just need some daytime work while I finish grad school at night, I will not be making a career out of it. It would only be a two year commitment at the most. Any input would be appreciated.

Agree, stay away. I too have been called twice by them. They sound shady on the phone so I researched. Scam City.

Here is my search in Google on Primerica-Citigroup. As you'll see many have been duped. Not only to work there but buy their false hope products.

www.google.com/search?hl=en&ie=ISO-8859-1&q=primerica-citigroup&btnG=Search

Matt Kerr said: Stay away.. Reminds me of Egypt - Big Pyramid.

EXACTLY!!

I was interviewing with someone from Primerica.... and the guy was trying to give me an idea of how the company works. So he grabbed a pen and paper and drew a circle, then branched out five lines, and then drew five more circles on each of those branches.

I grabbed the paper and said "that looks a lot like this," and I drew a triangle.

He's like "We prefer not to think of it that way!"

I walked out.

Citigroup is not a pyramid scheme. They are a huge, legitimate company but Primerica is a pyramid and they are allowed to be affiliated with them somehow. However, they do micromanage the **** out of you. I worked for Citimortgage. They fired me because I didn't close enough loans.

i was just called today 04/17/2007 about an interview with a guy named bill and although i didn't know nothing about the company i said yes to the interview. but still decided to research. now i see by doing so i have saved a lot of time and will not be taken advantage of. LESSON: always do your homework.COLUMBUS, OHIO

Peyman in Arlington, Virginia said: EXACTLY!!

I was interviewing with someone from Primerica.... and the guy was trying to give me an idea of how the company works. So he grabbed a pen and paper and drew a circle, then branched out five lines, and then drew five more circles on each of those branches.

I grabbed the paper and said "that looks a lot like this," and I drew a triangle.

He's like "We prefer not to think of it that way!"

I walked out.

its crazy cause i set an interview for thursday april 19,2007 but still decided to do some homework and after reading your comment not only did i post my own i called back and said i would not be coming in for the interview and i was not interested in future calls.

lena brown in Grove City, Ohio said: its crazy cause i set an interview for thursday april 19,2007 but still decided to do some homework and after reading your comment not only did i post my own i called back and said i would not be coming in for the interview and i was not interested in future calls.[/
**************************************
TO EVERYONE,
I LIVE NEAR BOSTON,MA. TWO OR THREE YEARS I WAS INTERESTED IN WORKING FOR " PRIMEAMERICA" THIS COMPANY IS IN CANTON, MA. THE MAN INTERVIEWING WOULD HAVE TAKEN ANYONE FOR JOB, HE WANTED ME TO PAY $$ 200.00 FOR BOOKS
AND A COURSE ON INVESTMENTS. THEN I AVENTUALLY WOULD HAVW TO PAAS STATE EXAMINE...........

Theron Barry in Kennesaw, Georgia said: Looking for any information on these guys. They have been calling me a lot about some job opportunity. From what I've been reading on Citigroup I should not bother. I just need some daytime work while I finish grad school at night, I will not be making a career out of it. It would only be a two year commitment at the most. Any input would be appreciated.

I LIVE CANTON, MA NEAR BOSTON
THE REP FROM " PRIMEAMERICA" WOULD HAVE HIRED ANYONE
HE WANTED ME TO PAY $$ 200.00 FOR BOOKS, FOR THE RIGHT TO JOIN HIS COMPANY, I TOLD HIM NO THIS WAS 2-3 YEARS AGO.
BOB MOGER
CANTON , MA

BOB M in Canton, Massachusetts said: I LIVE CANTON, MA NEAR BOSTON
THE REP FROM " PRIMEAMERICA" WOULD HAVE HIRED ANYONE
HE WANTED ME TO PAY $$ 200.00 FOR BOOKS, FOR THE RIGHT TO JOIN HIS COMPANY, I TOLD HIM NO THIS WAS 2-3 YEARS AGO.
BOB MOGER
CANTON , MA

YOUR RIGHT IT WAS A PYRAMID SCAM

I too was duped into an interview with Primerica. They did their research and had seen my resume posted on the internet. They said that I was referred to them by a former employee of mine. WRONG ! They lied.

If it isn't a pyramid, then it is awfully similar to one. After hearing the spiel, and learning that I'd be out of pocket for the training, I told them NO.

Everyone best do the same.

Yep sounds like you guys are right on the money. I avoided this scam myself a few years ago.

Some women called and asked me a few simple questions then asked me to come in for an interview. I proceeded to ask her if the position involved sales or some other kind of soliciting but she wouldn't answer my question. I then asked her how she found my resume and she couldn't answer that either. Finally I told her I would go in for an interview and she was greatful and thanked me for agreeing to come in. .....After the conversation I went with my gut and decided not to bother showing up.

good for you
bob moger
canton, ma

I literally just got back from an interview with Primerica. When I was first recruited by a woman, she told me that this was a managerial position which dealt with recruiting, interviewing and hiring. So I thought it was going to be a position like a hiring manager. But when I was interviewed by the manager, he told me that it was a financial planning position. I expressed that I thought I was interviewing for a position similar to a hiring manager and he proceded to tell me that this was similar and that I had to sell in order to get into that position. I understood that and thought that maybe I had to sell the products in order to understand them and then move into the managerial position. He then drew me a picture and compared it to "Huff Realty" and said that Huff wants to keep you as an agent because if you were to open your own franchise it would create competition with the other Huff franchises. Then he said that Primerica WANTED you to create your own business because they wanted to see you succeed and help the "common man."

He then drew me another picture that indicated that he would make money off of every sale I made. And when I recruited people then I would make money off of every sale they made and he would make more money because he recruited me.... and on down the line. I immediately stopped him and said "i don't mean to be rude or anything, but the way you are explaining this makes it sound like a pyramid." He then decided to try and persuade me that every company in Corporate America was a pyramid because one person controls everything (CEO). I ended up agreeing with him because I honestly just wanted to get out of the room without storming out impolitely. I told him that I don't think this would be a good fit for me because I question the motivation behind the employees. I think that more people would want to recruit others and that less people would actually be selling to help the "common man."

Sorry this is long, but I'll continue.

He then asked me to attend an information session that was being held later in the week and I was allowed to bring anyone I wanted to help me make this decision.

He also "offered me something that he does not usually offer to other people." And that was a part-time opportunity that I could devote any amount of hours per week to and he would devote that same amount of time to me. I told hiim it was something I would think about just so I could appease him and leave the office. He gave me his contact info, including his home phone number, if I had any questions or if I changed my mind at any point.

Finally, I highly recomend everyone to research on their own before making any decisions with Primerica or any company similar to them. Yes, Primerica is backed my Citi-group, but I am seriously wondering why citi-group is backing them. It is not a good opportunity for me, and I will warn my friends if they ever decide to get interviewed.

Sorry this was long, good luck and be easy.

TT

Thanks for sharing your experience!

Stay away. They are nothing but sales. If you really know how to make a commission sale, then go ahead. It is not a full time position in which you can work as long as you like and stay there.

Matt Kerr in Hinsdale, Illinois said: Stay away.. Reminds me of Egypt - Big Pyramid.

in a pyramid,, the top gets paid more than the ones on the buttom, in primerica,, you can get paid more than the ones above you,,, in YOUR JOB,, your boss gets paid more than you,,, your job is a pyramid,,, primerica is not,, research with credible facts before you put a comment because this shows how bad you are with looking for proofs,,,

and personally,,, who taught when you were growing up? because they need to go back to school to learn hot to look for credible sources,,

erl in Edmonton, Alberta said: in a pyramid,, the top gets paid more than the ones on the buttom, in primerica,, you can get paid more than the ones above you,,, in YOUR JOB,, your boss gets paid more than you,,, your job is a pyramid,,, primerica is not,, research with credible facts before you put a comment because this shows how bad you are with looking for proofs,,,

and personally,,, who taught when you were growing up? because they need to go back to school to learn hot to look for credible sources,,

In response to your post, I couldn't decide whether I wanted to reply to your hypocrisy, your ignorance, or your general bad attitude towards others, so I decided I would be nice and ask for an explanation of your belief.

Instead of attacking others for feeling a certain way, why not explain how Primerica is not a pyramid? From what I can infer, you are/were an employee of Primerica and you believe in their system. So please, I challenge you to educated us in Primerica's great employment oppurtunity.

In my experience, any company that focuses on recruiting others instead of selling products can be equated to a pyramid. Now I agree that it is not a scam entirely because the company has products and sells them, which makes it legal. But from what I can see, most employees are recruiting others who will recruit others and so on down the line. Now 3/8ths of those people who are recruited will become salesmen and the rest of them will become recruiters, making the head recruiter a lot of money. AKA pyramid fashion.

See you at the top? No way, you'll never make it there. Someone will always be above you.

After 10 years as an insurance and financial professional, I try very hard not to trash another company. However, Primerica IS a pyramid! Before Primeria, they were AL Williams - yes the company that chanted "Buy Term and Invest the Rest". They are a Multilevel Marketing (MLM) program whereby everybody gets a piece of the pie.

In the life insurance world, as with many careers, we have a code of ethics. One is to do the right thing for the client. Primerica agents have tried unsuccessfully to steal my clients with stories of how bad my company is, and how we never pay claims - scare tactics. Personally, I have delivered two death claims, and never had one problem with delivering the proceeds to the beneficiary.

Check out the complaints on them from the BBB, and other department of insurance complaints in your state. Any chance I get to replace a term insurance policy from Primerica; I do so and save the client on average 10%-20%. Their mantra of “buy term invest the rest” is great, but most people are sold high priced term policies with useless bells and whistles and rarely invest in a mutual fund. The concept is great but implementation is less than 5%.

Doing the right thing for the client is selling them a life insurance policy that they will afford and keep long term. Investing in mutual funds is great, but if the client is struggling to pay their basic bills, then why are they advised to invest. This is the crap Primerica pulls. I want to believe most people have a conscious as well can see through their deceptive recruiting practices. Good luck to those who chose this path, I hope you sleep well at night. - CHIP

Today, I was called by one of their "hr reps". Adam had asked if I was still in the market for a job. He mentioned a managerial position or I can work in technology, as my resume stated. Mentioned how the company is growing. At first, the call seemed like it was a good offer, but because of forums like this one, I now realized that I was being targeted. I will continue to indulge them. I will not waste my energy going to one of their 'interviews', but I will certainly reschedule as many times as necessary. They have wasted many peoples time and energy with their scam. I will try my hardest to waste their time as well. We should all dum, play along, and not show up for a few of their 'interviews'. I will report this incident with the FCC and the Better Business Bureau.

Theron Barry in Kennesaw, Georgia said: Looking for any information on these guys. They have been calling me a lot about some job opportunity. From what I've been reading on Citigroup I should not bother. I just need some daytime work while I finish grad school at night, I will not be making a career out of it. It would only be a two year commitment at the most. Any input would be appreciated.

Pyramid business--big promises--no results :-(

This comment is to Lupe M. Why so much anger? To tell me that I have an interview to a potential job and fill my head with lies is very dishonorable. These people are leaches, parasites, and cowards. And if you support the way they do business, then so are you Lupe. What ever happened to the to the honest door to door sales man process? You have to decieve people for a buck. That is very sad. I shouldnt have to do my research to disprove the lies and falacies of the voice on the other line, offering me the "opportunity of a lifetime". I truly feel sorry for people like that. This organization might advertise of their good-doing for their custormers. They also screw honest hard working people of their time and money by giving them the run-around with fantasies of becoming rich.

I don't know anything about Primerica, but this unit manager position with Citi in CS Paper is not a scam. I work for Citi in that department, and know that the unit managers start out at $35k a year, and there are absolutely no sales involved. The people who work under you (about 20-30) just process cardholder's requests that come in via mail or email, and send out bill reprints. Unit managers just supervise them.

Primerica is the typical smoke and mirrors scamola. They recruit young or down on your luck people to meetings giving limited info to get you in the door. They want you to become so called "Financial Advisors" when they in fact are creating a continuous pool of SALESPEOPLE. The woman trying to recruit me did rented the house she lived in and tried to tell me, a licensed REALTOR, that she was a financial planner and directly helped families. When I asked her more detailed questions, she only said she gave out the FREE one time financial plans. Yeah, one report and most people are taken care of!! I called them out and was in a heated discussion with two obviously broke salespeople. There was no legitimate business they worked out of, only salespeople who filtered the sheep into seperate rooms to create more salespeople. They are not giving out financial advice of any kind, DON'T BE A SHEEP. Another classic scam.

[QUOTE who="Brooke in
bob
hello from canton, ma

HI this is in response to all, I am a regional manager in Primerica financial services and I would just like to make something known. Primerica is just like every other company that offers a product or service, Have u ever gone to Walmart and got a rude and nasty teller, WAS IT WALMARTS FAULT, or a bad gas station attendent, Postal delivery person on a bad day, and so on and so on. The reason primerica is so much more known for bad days is that we offer a postion to everyone that meets simple standards. So u cant judge a whole company which(whom by the way has a parent company like Citigroup the largest company in the world)based on some bad experiances. Primerica cant regulate all of the reps personalities, they just make sure everything is legal and ethical. There are good reps that work for primerica that do try to help families with their financies. And for the Pyramid thing get out a piece of paper and do the following
Put your boss at the top of the paper, then put upper management under him, then middle and lower management, the put all the workers, salespeople, office people and so on and tell me what it looks like, will u ever be near the top?????? We offer almost the same concept just in primerica u can work ur way up to get a bigger piece of the pie, we dont promise anyone that they will be on top, a company can only have one leader we just offer a way to set ur own income and help u build a business with alot less overhead than needed for many other business's. For the people that feel like it is a scam or a ripoff i apologize for the bad rep u met with, we are all not like that, me and the people in my office pride ourselfs in the way we run our office, ethical and moral!
Srry for it being so long i just wanted to let u know that all individual associated with primerica are not bad
thank u

TOM in Lehigh Valley Pa. in Emmaus, Pennsylvania said: put all the workers, salespeople, office people and so on and tell me what it looks like, will u ever be near the top?????? We offer almost the same concept just in primerica u can work ur way up to get a bigger piece of the pie, we dont promise anyone that they will be on top, a company can only have one leader we just offer a way to set ur own income and help u build a business with alot less overhead than needed for many other business's. For the people that feel like it is a scam or a ripoff i apologize for the bad rep u met with, we are all not like that, me and the people in my office pride ourselfs in the way we run our office, ethical and moral!
Srry for it being so long i just wanted to let u know that all individual associated with primerica are not bad
thank u

Thank you for your comments! I have a friend that is working for Primerica as a Financial "planner/advisor" who wants me to get involved. I have read the company websites for Primerica and some of Citigroup, as well as many of these on-line comment forums. I'm still having a hard time deciding. I was very excitied at first but the more comments I read.....the less excited I am. I work part-time and stay at home with my kids part-time. I'm just looking for a little extra income and thought this would be a good opportunity since I was told I could do this part-time!

RE: In response to the Regional Manager's message from Primerica
"Put your boss at the top of the paper, then put upper management under him, then middle and lower management, the put all the workers, salespeople, office people and so on and tell me what it looks like, will u ever be near the top??????"

I think in general each of these comments are directed more toward Multi-Level Marketing than Primerica as an organization or the attitude that they confronted when interviewing with Primerica. I'm sure you would run into the same beliefs concerning AMWAY. The same principle but different product. Organizations like Primerica and Amway need to realize that in order for someone to make a decent living working for company they have to irritate every single one of their friends and family members to join (and these are the people you actually have the best chance of convincing) This is OK for some, but not most. Why do you think organizations like this eventually have to change their name? - much like Amway did and I'm sure Primerica will have to do shortly in order to survive - or in any event they may become even more devious and just decide to use the name "Citigroup". Otherwise, the inevitable eye-rolling from those you surround yourself with will start to surface, and your friends stop returning your calls. It's a lot like a cult.

Finally to answer the good Regional Manager's statement - The drawing doesn't really outline the difference between a position in most typical organizations and one within a multi-level marketing firm. Generally you don't have to worry about recruiting other people (if they don't disown you for bothering them first) and then have to rely on their success to make you "somewhat" successful. In a typical organization if you DID have to do this, you would be at the top already, so the comparison is both contradictory and apples to oranges.

Several years ago I had a "recruiter" from Primerica contact me stating that "You have a terrific background for financial product sales". I asked him where he got that idea as I had worked in technology as a network engineer and PC support lead. The reply was "I can just tell by looking at your resume". I then politely told him that I failed accounting in college and had no interest whatsoever in working the financial arena, that he was barking up the wrong tree. It just seemed a little suspect that someone who wanted to hire a person in financial services/products would contact an IT Professional. Odd.

Take The Pyramid Challenge

Name as many businesses, companies, governmental agencies, non-profit orgainizations, factories, retail outlets, educational instatutions, etc. that do not have an orgainizational chart based on a perimid. You have thirty minutes to complete this question.

Sorry for typo, pyramid. I was thinking in my second language, "hooked on phonics."

SP-Colorado in Boulder, Colorado said: Thank you for your comments! I have a friend that is working for Primerica as a Financial "planner/advisor" who wants me to get involved. I have read the company websites for Primerica and some of Citigroup, as well as many of these on-line comment forums. I'm still having a hard time deciding. I was very excitied at first but the more comments I read.....the less excited I am. I work part-time and stay at home with my kids part-time. I'm just looking for a little extra income and thought this would be a good opportunity since I was told I could do this part-time!

I work in a similar industry, however it is not structured as mlm (pyrimid). You get paid only on financial services performed for others. Our brokerage is looking for new associates part time and full time, however I will be onast. The average income in the industry is 40,000 full time. If your good at it that can easily triple ( 120,000 is the advertised income that recruiters claim). It is worth looking into let me know if you want to chat about it over coffee SP.

Sincerely,

Brian

Quoting Brian, "I work in a similar industry, however it is not structured as ... (pyrimid)."

Does your boss make more $$ than you do? Does his boss make more $$$ than he does? etc.

The difference is in a traditional JOB, you can sit around and wait to be promoted, With a MLM, you can hire poeple on your team and promote yourself as often and as high up the food chain as you want to go.

It's not easy and you have to work hard but the possibilities are amazing.

I worked for Primerica while I was going to college. The initial $200 is to pay for training to sell life insurance and investments. Would any of you want to invest in either of those services through someone who knew nothing about either market. Anyone who sells these products is required to have a license, no matter what company they work for.
The person who recruited me was an honest person who was one of the top sellers in the company. Yes, he recruited some, buy he made his money by making sales. I am a shy person and chose not to stick with this type of work because I knew I would not be happy under the constant pressure of having to make sales.
I have a degree in consumer economics. Primerica teaches their customers some of the basics to a sound economic future that I learned in college. A majority of families in the United States are not prepared for any kind of disaster. They are barely making it from paycheck to paycheck and if anything happens to either of the breadwinners, there is usually no safety net for the family. Primerica's goal is to help families get out of this situation by helping them invest for retirement and for emergencies and also to protect the families financially in the event of a death.
Any person shopping for these commodities is wise to do their homework by checking out multiple companies, reading all of the paperwork and checking into the reputation of the company and the agent doing the sales.

Brian, Boulder Colorado in Denver, Colorado said: I work in a similar industry, however it is not structured as mlm (pyrimid). You get paid only on financial services performed for others. Our brokerage is looking for new associates part time and full time, however I will be onast. The average income in the industry is 40,000 full time. If your good at it that can easily triple ( 120,000 is the advertised income that recruiters claim). It is worth looking into let me know if you want to chat about it over coffee SP.

Sincerely,

Brian

Hi Brain,

Thank you for your response! What Brokerage firm are you with? Can you give me the company website, I would be willing to check into it. I am still in talks with my frined at PFS, but am open to other part-time opportunities. Are you out of Denver or Boulder?

SP

Many of the captive insurance companies are little more than churn and burn shops, basically designed to sign up your friends and relatives and leave you in the dust. Of these, Primerica is really at the bottom of the food chain. If you look around, horror stories abound.

You might want to see some of the discussion about various companies at www.insurance-forums.net They cover just about all of them.

SP- Colorado in Boulder, Colorado said: Hi Brain,

Thank you for your response! What Brokerage firm are you with? Can you give me the company website, I would be willing to check into it. I am still in talks with my frined at PFS, but am open to other part-time opportunities. Are you out of Denver or Boulder?

SP

The Brokerage has just gone through restructuring since we got too big to manage under one roof. The new name is the Benefits Group but you can check out our web site from the old name HealthChoiceOne.com If you would like to discuss how the industry works, the pro's and con's of being captive vs. broker, or would like referals of other brokerages that focus in life,disability,or annuity Call me direct at. The main office is based in denver but I live up towards boulder myself.

Best Regards,

Brian
Independent Broker

Challenger said: Quoting Brian, "I work in a similar industry, however it is not structured as ... (pyrimid)."

Does your boss make more $$ than you do? Does his boss make more $$$ than he does? etc.

The difference is in a traditional JOB, you can sit around and wait to be promoted, With a MLM, you can hire poeple on your team and promote yourself as often and as high up the food chain as you want to go.

Challenger poses a good point about spotting an MLM organization. If you look at typical insurance sales the salesman should be making the bulk of the commisions. In the Brokerage world the people that get very wealthy sell direct and dont bother recruiting. Why you might ask? Because recruits are time consuming,more liability, and slow down your personal production. Why would you spend 10 hours helping a recruit make you $100 when that time would otherwise generate $500? This is a very breif summerization but helps alaborate on challenger's point, which is valid.

After briefly reading through all of the comments posted on this blog, I have come to the conlclusion that no one that has actually participated in Primerica has anything bad to say about it. I like most of you have been contacted by a Primerica rep and I had a very pleasant experience. I am afraid of scam opportunities. I have in the past been contacted by other 'pyramid' type companies like Qwikstar and knew enough to research and stay away. However, I really can't see anything bad about what Primerica is doing. Obviously the ones participating aren't going to say anything bad about it, but those of you who have bad to say about it...have you actually participated or are all of your blogs 'hear say'. I am really curious, because I don't want to get myself into something nasty, but also don't want to miss an opportunity.

I too was recruited by Primerica and I went so far as to sign up and attend the seminar. The financial services industry is complicated and to really do your customer a service, you should be familiar with the industry. Primerica recruits anyone. What really disturbed me, besides being pressured into revealing information about my family & friends, is that part of the deal is to try to recruit your customer! Are you kidding me? No reputable financial professional would try to recruit a customer. Finance is not an easy profession and to assume that anyone could become a financial services rep is dangerous. Imagine if we had this attitude about doctors or lawyers. Getting licensed is not going to give a financial services rep the knowledge necessary to effectively do this job.

Another thing the Primerica recruiter will attempt to do is to make YOU a customer. They will tell you that you will get a free financial report; then you will be pressured into making a purchase. These people truly don't understand finance and while some life insurance may be better than nothing, I'd rather spend time with a real professional when it comes to something as important as personal finances.

When I filled out the required paperwork, the recruiter insisted that I provide references. I told her there was no way I was going to solicit these people to become my customers and I told her I did not want her bothering them either. She promised to high heaven that she would not mention a thing to these people, and you guessed it, she called every one and tried to sell them something. My fault for believing her, but that's how trustworthy this organization is.

I understand that the few successful reps out there will try to defend this company because they need to recruit more people. My question to all of you considering this 'opportunity' is this: would you go to an auto mechanic for financial advice? Would you take your car to a life insurance agent?

This has to be 1 of the DUMBEST names for a company ever !!

The DUMB name, told me all I needed to know.

A multi-level pay structure does not equal scam (do some research on Keller Williams Real Estate). A $200 investment in a legitimate, highly regulated organization for training, materials, and licensing does not equal scam. (Ever paid for college, trade school, or education for a technical certificate/license? Surely more costly than a measly $200). Most people have an employee mentality. They want everything spoon fed - benefits, income, hours, etc. They aren't self directed and need to be told what to do, when to do it, how to do it, and how long they are supposed to do it. If this is you then Primerica is definately not for you. You will fail miserably. If you are looking for a legitimate career in financial services then Primerica might be for you. You are not going to make money immediately so don't quit your job, but if you invest your time productively, it will pay off.

I was badly burned by Trek Alliance in 2001. The multi-level pay structure makes sense, but because of bad experiences like mine people are generally negative about anything that resembles a "pyramid". The difference is that primerica is legit. You are require to be licensed by your state before you can earn commissions. You don't have to carry inventory, therefore, you don't have to invest in inventory. If all you have to invest is $200 for training, materials, and license, what do you have to lose?

Don't forget, you get out what you put in so if you invest little, you get little. I signed with Primerica a month ago. I have made zero dollars. I just passed the insurance training course (30 hours required in Florida). I'm currently studying for the State exam which I'll probably take next week. It's not as easy as these extremely intelligent people on this post assume. I still have my full-time job, but I realize that it's going to take some time before I can do Primerica full-time and replace my job - which is my primary goal.

Between the optimistic hype and the negative puke is the answer you seek.

Contact me if you want a realistic opinion based on facts and personal experience.

<B>quote</b>Put your boss at the top of the paper, then put upper management under him, then middle and lower management, the put all the workers, salespeople, office people and so on and tell me what it looks like, will u ever be near the top?????? We offer almost the same concept just in primerica"

<b> reading that i mind you that in a real job, you get paid, in primerica, you only get commission. I've seen people fail at primerica, and one person actually made a couple of bucks, once. I would choose a real job over a scam any time, i saw a friend quit his job for primerica and went bankrupt in a matter of weeks. so whats the lesson? GET A REAL JOB!</b>

Primerica is indeed a financial services/insurance company. The insurance industry is the most highly regulated industry in this country. If Primerica was such a scam, do you really believe they'd still be in business?

One pays $199 to take the licensing course. Upon completion of the course, they REFUND the $199!!! This is followed by field training where new recruits learn business, ethics, best practices, and observe licensed agents interact with customers.

This is not a job - it is a business opportunity. Name another "own your own" that coaches and trains participants in building an entrepreneurship backed by the resources of Citi Financial?
I temped in a Primerica office for several months. I became an unofficial "investigative reporter". I got to know the RVP and his wife. Lovely, honest people with nothing but integrity. I quickly became a client, and now I'm on my way to becoming an agent.

There are millions of Americans being ripped off right now, having been lied to about "interest only" loans, "life insurance that protects you 'til age 100", etc. I can help change that by educating chronically victimized populations - the very young, the very old, those who are weak, and those who are unfamiliar with laws & regulations that prosecute the scam artists.

People in our area of the US - Southern CA - are defaulting on loans, losing their homes, and trying to sell every possession eBay in desperation. Mortgage brokers have actually forged applications by stating that clients earn double or triple their actual income. By the unfortunate clients come to us, they are financially "hemorrhaging" and there is little we can do. If you question the authenticity of my statements, Google search our local paper, the North County Times (nctimes.com). Use the search terms "foreclosures", "default", "mortgage" and "homeowners".

At least, care enough to research the truth instead of echoing woefully misinformed "experts".

You were a temp and you think you know all there is to know about the RVP? The fact that you became a CLIENT first says more than anything else. It is not difficult to fool people when you are trying to get their money.

Financial Services is a serious and complicated industry. This is why the real players in the industry only hire well educated professionals, not your average person off the street. You really believe you know everything you need to know because of some $200 course? If this were the case, why would so many people spend so much money to get a college education? Your 'logic' that Primerica can't be a scam because they are still in business is naive. I am sure the investors of Enron, Tyco, Adelphia, WorldCom, etc. thought the same thing.

It is primarily the 'chronically victimized populations - the very young, the very old, those who are weak, and those who are unfamiliar with laws & regulations' that become clients of Primerica. Knowledgeable people go to the real professionals who have a true understanding of financial services, and who would NEVER try to recruit a customer to sell Primerica services! For a more realistic understanding of what really goes on at Primerica,