Is Primerica a scam?

How does the scam work? Is it the $100 to get approved as an independent agent? The same $100 that covers your life licence course, that costs many hundreds from other providers? Doesn't sound like much profit for the "scammers", does it?
Or maybe Primerica is just an elaborate, unprofitable sort of hobby-scam for a lot of people with nothing better to do?
For the definitive answer you should really check the rip-off report - find out from an independent how Primerica operates, deals with complaints etc.
But please - someone who believes this is a "scam" - how does the company survive on the odd $100 "victim"?

The kinds of people that write the negative comments about Primerica are:

a) those that tried it and gave up and are looking for someone to blame
b) rival insurance companies

Primerica follows a different business model than all others and many people get confused. Are you willing to base your opinion on what someone tells you or are you willing to make up your own mind? One of the biggest problems why 95% of the population is broke is conformity. People allow the majority mindset to mold their own decisions. History has many examples of worthy causes that started with one person or a minority mindset.

#FAIL

Primerica is a scam!!!!

http://www.youtube.com/watch?v=2hI5FvBN4e4

Yes i work in Primerica (Not to be mistaken with that Prime-america thingy) and i am dam proud, for those who don't know Primerica Just went public Apr 1st, no its not MLM it a broker agent business that helps people get educated about their money, No scams can go public much less go from 15$ to 20$ in one day. People can always say negative things... See More about what you do but all you got to do is trust in yourself and know what you believe in. I Believe most people don't have the sound financial concepts that the wealthy knows and I believe that everyone can benefit from more knowledge, if that knowledge comes with more money at the end of the month than Awesome! I say people open your eyes and smell the roses, put down your bias and really learn what we do, its morning in Primerica, Freedom Lives here!

From what I have read, I would not deal with Primerica because you are all alliterate idiots, most here are struggling with the spelling of simple words.

So rule one: Don’t trust your life or money with spastics.

Secondly i got approached by some retard who found my details on monster.com as i am looking for work within a very technical role in IT infrastructure. Now what really tickles me is that some Primerica retard decided to target myself with a purely technical background to work for them and sell and give advice on Life insurance and financial stuff. i dont know jack about that and dont care, which makes me wonder how many other of their staff are financial purists.

So rule two: These people are fully grown spastics and don’t really have a pedigree background like another reputable financial company or organisation

And whatever way you try to slice it:

Rule three:

#
####
######
########


ITS A PYRAMID SCHEME

so wake up grow up and do the right thing yes.


And rule four

DONT TRY TO SCAM AN ENGLISH MAN

A lot of companies, including financial/insurance companies recruit this way. They would have found your resume from any online service you may have posted to. They'll invite anyone looking for a job to an orientation meeting to talk about the company and then see if you would be interested in getting involved (I went to one years ago out of curiosity).

As a company though, they are sound, been around since the late seventies and are a division of CitiGroup, which is the largest financial institute in the world. Many people, including myself, have investments or insurance with them and have not had any problems.

I don't know what working for them is like though if you were interested.

Stay away from primerica..think of a pyramid scam, on the surface while you actually have to talk to ppl....you will make no money at this, I've heard thru conversations and while having coffee...what they require, and you are subjected to long hours, for minimal pay...you may as well volunteer.....

YMMV

Okay I give you guys an honest answer.

I was looking for job and so I was sending a resume to most of online ads. I also sent my resume to an ads which was saying "make extra income by working few hours a week" . This ad came up to be from Primerica and soon I found myself in one of the "meetings" ppl say. However there was nothing wrong with the meeting and it was actually held in one of the citi branches.

After that meeting I researched about it and I found lots of topics saying that primerica is scam, pyramid scam and many other stuff. But then when I thought about it i wondered how would it be a scam and still be a part of citi group or grow for 30 years...so noway it would be a scam.

Then there it comes the part that most ppl get confused. Many ppl expect primerica (which basically your own business after you sign up for it) to start paying them as soon as they enter, but again which business had ever done that!? you build your business by moving up the ladder. I am not saying its easy, for many ppl its not and those are the ones that say its a "scam" because they are not capable of doing all it takes to be successful (eg, getting licensed, be disciplined, think positive). YES this business requires talking to ppl and a hard work for a good 2 or 3 years but then after that you just start to roll down...

I have only one thing for ppl who are looking for a true answer : GO FOR IT AND DO NOT LISTEN TO ALL THOSE PPL WHO ARE NEGATIVE, THINK NEGATIVE, AND SAY NEGATIVE.

somebody wrote "you get paid very little for long shit hours" lol ITS NOT A JOB !!! ITS A BUSINESS , Nobody pays you when YOU ARE THE OWNER OF YOUR BUSINESS, YOU PAY YOURSELF.

And again nothing comes for free!! and Yes i'm was like you just a year ago but now I have 6 more ppl in my business and I am planning to expend it to 30 ppl by the end of 2010 !!

Be Positive! Think Positive ! Your success not only in primerica, but it life is guaranteed!

I love to read the spiteful remarks of those who never could. I've been reading the hate-mail about Primerica throughout the internet and have found that 99% of the source is from people that don't actually have any experience with Primerica. My friend told me the water was cold, but when I tested myself I found it to be warm. People are running solely on word of mouth. The fact of the matter is, is that this is SALES. Both the good and the bad. And any salesman can tell you that when you work on commission, no you don't get paid by the hour, and from time to time you work like a dog. All true- but you do get paid. I can't believe the power that jealousy has. "thank god I didn't dip into that scam" and "A job pays you, you don't pay a job." The pretenses of which bullshit like this is spawned is ignorance. Yes a job pays you, but you pay to go to school. The 99.99 plus GST is not mandatory for Primerica employees. However it is mandatory that you obtain your LLQP license. So go get it somewhere else and then come work. Oh wait, something 1500$ and four months later you realize two weeks and 100$ isn't that bad. Infact it's pretty damn good. How many people that have put in the effort I mean 3-5 years of solid work (this is career people), have not seen results. NO ONE. That's because the only people who feel the least bit "scammed", are the quitters. I have worked for vector Marketing amongst many other companies and there is an immense difference between a structured hierarchy and a Pyramid scheme. Heck you could call every business a pyramid scheme if we generalized. No, this is not get rich quick. There is no such thing. Primerica is a legitimate opportunity that will allow you to grow faster then you would otherwise. But nowhere does it gaurantee your success. In sales, you gaurantee your own success. Everyone who bashes Primerica works for an hourly wage. They don't understand the concept of "more risk, more reward". That is because they have never experienced sales. And its awes me to see how many people side with the inexperienced without attempting to experience it themselves. Fouls I say. Email me if you have comments or are curious to see this infamous information/opportunity session for yourself. You will be more then shocked to see the truth. klugmn77@hotmail.com

just to inform you it is no different then working at a job in retail there are managers , district managers, and regional managers. also you cant make money until you have your licence because it is illgal to sell life insurance etc. when you dont have a licence, so as far as your "pyramid" b.s. goes you dont even know what you are talking about and of cource you dont make money right away you need to learn and get licenced first, no different then your local bank advisor. if you are advising in the subject of finances you need an education.

a bank advisor pays money for thier job too, may i remind you that they also pay rent and utilities for thier space and fees for using financial softwear, did you pay to go to school? college , university? then you too did pay for your chosen career, so think about that, you really need to do your research before you talk. i work for a bank and im telling you now that if you work for say RBC you will be paying a higher price then the Primerica people do.

If you think that you are receiving a great job opportunity than think again. I myself was convinced after the first interview but after coming home and reviewing website reviews i started to doubt myself in thinking that it was a huge scam. I went to the meeting and there were about 40-50 people and it consisted of three representatives who made a speal on why they are the best, about there company and why you should join. It's all a load of crap and you will not make money this way and lastly try and say your questions out loud because they purposely tell you at the end they don't want to take questions so that they don't bore other people that are in the room and that you need to set up another appointment so that than any questions you ask wont affect others people way of thinking and it's all about brainwashing you. It's commission not SALARY!!!!!!!!!! Lastly who pays for a job that pays you WTF?!!

Thank you for the interest,

If you are looking for a new career, could you see yourself teaching others simple financial concepts?

Please clarify how Primerica generate revenue and why people should consider joining the company?

Like in every business:
“The only profit center is the customer.” – Peter Drucker

Rip-Off Report

wow..........some ripoff!!

???

I was expecting that this is a website and a forum for a constructive discussion.

The reputation of many people is on the line here – so please, be responsible and act accordingly.

We, have over 6 million clients - how many clients does your business have?

try a website by Bill Orender
www.billorender.com

There are many companies like this who promise you the world but you end up losing money than making money. World Financial Group otherwise known as WFG is another one.

Jeanette

World Financial Group otherwise known as WFG is another one.

Have you had any experience with this company, jeanette? I have been approached by them, and what they told me made sense but I am skeptical about getting into it...

Thanks! [:)]
Dinu

Hi Dinu,

Yes, I have. I've even attended one of their conventions in San Jose. They basically say the same thing at every convention. They want to recruit more and more people and it resembles a pyramid scheme. I'm no longer part of it and very happy that I got out before it was too late!

Jeanette

anytime an operation recruits people and gets income from the number of people they recruited is a pyramid scheme... which is illegal in BC. No different than pimping.

Thanks Jeanette and Darkknight [:)]

Hi Jeanette, Dark Knight, and Dinu,

Regarding pyramids…

I think, there is some confusion here.

I think you are referring to a totally different company.

$i

…and just to clarify the pyramid company – The Power of The Pyramid

[img]http://www.pramerica.pl/images/logo2-1.gif[/img] [img]http://www.pramerica.pl/images/logo2-2.gif[/img]

????

If your business is reputable, why don't you give direct answers to the questions people have asked? Asking rhetorical questions that have nothing to do with what people are saying and going off on unrelated tangents are responses that only make you look evasive.

?????

If agencies like:

BC Securities Commission: www.bcsc.bc.ca
Insurance Council: www.insurancecouncilofbc.com

…and the website of Bill Orender ww.billorender.com is not specific enough – how about the Investment Executive?
Go to the article on major mutual funds dealers and Primerica – PFSL Investments Canada Ltd. at
www.investmentexecutive.com - It is a matter of the right fit. If the dealer’s model and the advisor’s goals match, everyone wins

..."Leading the pack again this year is PFSL Investments Canada Ltd., which boasts a philosophy that continues to please its 4,500 dually licensed reps. Summed up as “middle-income Canadians serving middle-income Canadians,” PFSL’s business plan takes aim at underserved clients with an offering of 3,000 pre-approved mutual funds and Primerica Life Insurance Co. of Canada products. "...

or www.investmentexecutive.com - Top marks for training, marketing and sales support

... "PFSL Investments Canada Ltd., Investors Group Inc. and Money Concepts Canada lead the pack in support services in the financial planning channel. PFSL, whose advisors have an average of only eight years in the industry, took top marks for sales support, ongoing training and prospecting materials. “PSFL gave me a chance — someone with no prior knowledge or education in the financial services industry,” says a PFSL advisor on the West Coast. “It offers great support and education.” ..."

By the way … What is your general opinion on other financial institutions in Canada?

Hey ... you got my eyes...For answering some people!!
First , Primerica is not a pyramid cause if it was...they wouldn't be there since 30 years!!! second ..does anybody knows the difference in a pyramid and a multi nevel market!! if you don't well go take some info. on the subject!! Then again it is legal so why not take this interest !! Second, if anyone think that is easy making money staying at home ..i would tell them that you can dream on.... You have to give effort and work if you want to receive an earning. For the recruiting thing...Well, nobody in Primerica is paid on that so ............. Anyway , why not having a part-time job like this , it is cool to earn this way and you have great opportunity. I'm not stupid enough to quit a full time job , if i'm starting in this buisness but I will the moment i'll have a good pay with them ! We have only one life to live so why not living it full without staying in the basement all your life!! And then again ...if you think this is the only cie working this way...well you should take a look at the others...any cie arte working this way .... look at Avon, Tupperware, and all companies that paies on commission... they won't tell you that they earn like that..but they are!! don't you know that any insurance agent in any cie are paid on commission, so they're boss and the boss of they're boss etc........................ Open your eyes ...everybody does that!!
Anyway, Primerica rules!!!!!!!!!!!!!!!!!!!

[:p] HARd but one cool way on the long term investment for money making. Great , Even the gov. is a monarchy! So why not taking the interest in helping people...Primerica is just doing that and so the product is okay , same as other cie!!

----------------
On 5/24/2006 1:25:12 PM, yuri34 wrote:

Second, if anyone think that is easy making money staying at home ..i would tell them that you can dream on....

I must be dreaming pretty good. [:)]

What is a Pyramid scheme anyhow?

From Wikipedia…

A pyramid scheme is a non-sustainable business model that involves the exchange of money primarily for enrolling other people into the scheme, usually without any product or service being delivered. Pyramid schemes have existed for at least a century. In addition, other methods of conducting business known as multi-level marketing (MLM) and as "matrix schemes" often closely resemble pyramid schemes (although unlike pyramid schemes, which are almost always frauds, MLM and matrix schemes are in many cases regarded — at least legally — as legitimate business methods).

Primerica actually offers services, so technically it can’t be a pyramid programme. Of course, for sceptics (which beyond a certain degree is a personality disorder, basically a mild form of paranoia) anything non-familiar is a scam. I’ve seen messages here that called people like Robert Allen, Mark Victor Hansen or Robert Kiyosaki scumbags and scam artists.

My personal belief is that most people who lose significant amount of money on these programmes are just plain everlastingly stupid, and don’t have the smarts to know when to quit. I’ve tried some of them and lost a few dollars. Nothing major.

Hey, a guy who grew up in hard-core communism, this “business thing” sounded exciting. But, thanks to my big nose, I smelt the rat and quit before it was too late. All right, I lost my initial $50 joining fee. Many people insist on staying in the programme to recoup their initial investments. And then they start losing their shirts, bras and other bits and bobs.

I think it’s retarded to condemn an organisation just because we don’t know how to make it work for us.

Thoughts?

Cheers

Tom

On 5/24/2006 6:18:35 PM, megabreki wrote:
$i

I don't know how to make scientology work for me, yet I have no problem condemning it - and also have no doubt some people do profit from it.

So, I guess I disagree totally with your last statement here. The good or desirability of an organization has nothing to do with whether we can find some way to benefit from it. Expedient != Good.

"'Of course, for sceptics (which beyond a certain degree is a personality disorder, basically a mild form of paranoia) anything non-familiar is a scam."

So what's the alternative? Trusting people you have no reason to trust?

Personally, when people start decrying skepticism, I keep a tight hand around my wallet. They're usually asking me to trust them blindly when they haven't done anything to establish trust.

"I think it’s retarded to condemn an organisation just because we don’t know how to make it work for us. "

Yes, you have to assume that adults are ultimately responsible for themselves. But you can still despise organizations that encourage irresponsibility in others, and prey on their hopes or needs. Such behavior may be legal, but I don't consider it in the best ethical or moral tradition.

"'Of course, for sceptics (which beyond a certain degree is a personality disorder, basically a mild form of paranoia) anything non-familiar is a scam."

So what's the alternative? Trusting people you have no reason to trust?

Personally, when people start decrying skepticism, I keep a tight hand around my wallet. They're usually asking me to trust them blindly when they haven't done anything to establish trust.

"I think it’s retarded to condemn an organisation just because we don’t know how to make it work for us. "

Yes, you have to assume that adults are ultimately responsible for themselves. But you can still despise organizations that encourage irresponsibility in others, and prey on their hopes or needs. Such behavior may be legal, but I don't consider it in the best ethical or moral tradition.

Well, until now, everybody who i met are pleased with the services we give... There is a lot of way you can manage your work , I prefer being honest and I surely don't push people into it!! Anyway, the last decision is always up to the client!

> So what's the alternative? Trusting people you have no reason to trust?

I think it takes about 10 seconds to decide whether or not a person is trustworthy. All right. I have an advantage. As a result of my military training, I can read people fairly well.

But there is another interesting thing here…

Carl Rogers, a pioneer in social psychology was asked about the most important aspect of human interaction when there is a strong difference of opinions (which causes scepticism in the first place).

His answer was: "Unconditional positive regard for the other person. It's about holding the other person in a positive light and assuming that his/her interest is for the best interest of the discussion (relationship, interaction, etc.) and the idea they are discussing regardless of what the person actually believes at that moment.”

My interpretation: Keep your mind flexible but make sure your default setting is that the person has your best interest at heart.

People may say I’m naïve, but this attitude has helped me through some heavy-duty military stuff and 29 years of skydiving. Most people are scared of losing some of their money. I’ve had my life on the line since 1977, and I’m still fine.

I’ve found that I can influence the other person’s actions (well, within certain limits) through my own actions and behaviour. I’ve also found that when I extend my trust to another person, that person reciprocates it.

As Stephen Covey says in the Seven Habits, “We don't see things as they are; we see them as we are. We become our vision. The greater the vision, the greater we become."

People alter, filter, bend, magnify, screen and fabricate the input their brains receive from the outside world based on their ego-state and past experiences.

> Personally, when people start decrying skepticism, I keep a tight hand around my wallet. They're usually asking me to trust them blindly when they haven't done anything to establish trust.

We all have different perspectives. My contention is that we decide whether or not to trust a person in about 10 seconds. The rest of the process is just validating our initial decision because the brain (largely our ego) wants to be right.

I have made well over 100 parachute jumps with chutes that were packed by some unknown people. My basic assumption is that anyone who is allowed to pack chutes knows what s/he is doing. So my conclusion is that the chute is jump-worthy. And once I'm in the plane, I don't want to agonise over whether or not the chute will open.

I’m rather a bit gullible and lose some lose change than being too sceptical and miss out on some great opportunities. But this may also have something to do with the fact that as a European my tolerance for risk and ambiguity is a touch higher than for most Canadians.

> Yes, you have to assume that adults are ultimately responsible for themselves. But you can still despise organizations that encourage irresponsibility in others, and prey on their hopes or needs. Such behavior may be legal, but I don't consider it in the best ethical or moral tradition.

And I guess there are lots of organisations like that. But is it the organisation or just some people. A few greedy b.a.s.t.a.r.d.s ruined the reputation of Arthur Andersen, Enron and other previously highly respected companies.

Amway has been through some hot water as a result of some unscrupulous distributors. But again, it's the people not the company.

Thoughts? Cheers Tom

I agree with you ...at the point that for some people by the way they act, they destroy the company or the best of it. I know that some don't deserve trust.!! For myself, i'm not the one who is going to force my client ....i can explain and try to do my best for then , and give then all the time they want!! on my mind if i think that they have a better insurance, i wont try to change it... but i know that its not all agents that works like that ...but for myself, i want to be truthful and as good as i can be!

"I think it takes about 10 seconds to decide whether or not a person is trustworthy."

In situations where somebody has to act quickly, that may be true. In social and business situations, no. I trust someone because their actions show that they're trustworthy, not because they're likeable. The two aren't the same.

"As a result of my military training, I can read people fairly well."

This seems like a non sequitur to me. What do you mean?

"Carl Rogers, a pioneer in social psychology was asked about the most important aspect of human interaction when there is a strong difference of opinions (which causes scepticism in the first place)."

Skepticism is not caused by a difference of opinions. It's a way of looking at the world that looks for proof before reaching a conclusion.

Or, to put skepticism in context of this discussion, it means looking for signs of trustworthiness before extending trust. By contrast, a few behaviors such as extravagent promises of personal wealth, avoidance of issues, and answering direct questions with rhetorical questions tend to be signs of untrustworthiness, especially when they are all seen in the same organization.

Do I miss opportunities by being skeptical? Possibly. But I also avoid being taken, or finding myself associated with people or institutions whose behavior I disapprove of. I don't think this has anything to do with being Canadian or European as you suggest, but rather with what's important to you. Beyond a certain point, money isn't very important to me, so the possibility that I might have missed an opportunity doesn't disturb me very much.

"And I guess there are lots of organisations like that. But is it the organisation or just some people. A few greedy b.a.s.t.a.r.d.s ruined the reputation of Arthur Andersen, Enron and other previously highly respected companies."

What difference does that make? A single greedy bastard might be an exception, but if an organization attracts a lot ot them, then something may be fundamentally wrong with the organization, too. Putting everything down to individuals ignores the fact that organizations can develop their own culture.

?????
I am lost….

1.) What are you talking about?

2.) What is your general opinion on other financial institutions in Canada?

David, in case you hadn't noticed -- this isn't about you any more. The thread has shifted to a more general discussion.

Also, kindly do not put words in my mouth. I did not mention the BC Securities Commission at all, much less suggest that my general statements applied to it.

C. Michael Armstrong
Chairman - Board of Trustees,

Johns Hopkins
Medicine, Health System Corporation and Hospital

Alain J.P. Belda
Chairman and Chief Executive Officer, Alcoa Inc.

George David
Chairman and Chief Executive Officer, United Technologies Corporation

Kenneth T. Derr
Chairman, Retired, Chevron Corporation

John M. Deutch
Institute Professor, Massachusetts Institute of Technology

Roberto Hernández Ramírez
Chairman, Banco Nacional de Mexico

Ann Dibble Jordan
Consultant

Klaus Kleinfeld
President and Chief Executive Officer, Siemens AG

Andrew N. Liveris
Chairman and Chief Executive Officer, The Dow Chemical Company

Dudley C. Mecum
Managing Director, Capricorn Holdings LLC

Anne Mulcahy
Chairman and Chief Executive Officer, Xerox Corporation

Richard D. Parsons
Chairman and Chief Executive Officer, Time Warner Inc.

Charles Prince
Chairman and Chief Executive Officer, Citigroup Inc.

Judith Rodin
President, Rockefeller Foundation

Robert E. Rubin
Chairman of the Executive Committee and Member of the Office of the Chairman, Citigroup Inc.

Franklin A. Thomas
Consultant, TFF Study Group

Honorary Director
The Honorable Gerald R. Ford
Former President of the United States

This is a list of the board of directors of our parent company.

"I think that any reasonable person reading this forum would still think you are implying to company and people whose name is in the title of this forum. "

Not any reasonable person with any experience of mail forums. Online threads often wander from the original topic, especially in a long conversation. Nor would I be so rash as to make comments about specific organizations in public without proof.

The only inference you can legitimately take from my comments is that I believe that all organizations -- without exception -- should be approached skeptically and need to earn their customers' trust. That does not imply that any all, or even most are untrustworthy, and it certainly does not imply that any specific company is untrustworthy. It's simply a general statement of how I think consumers should react.

"Since you have general comments now, but you have asked previously about specific answers, let me ask you and others here: "

No thank you -- I must decline to answer.

In the first place, since you are the one looking for business, I think it's up to you to provide answers, not to deflect the questions back on everyone else.

In the second place, the only purpose that answering your questions would serve is to provide an opening to enlist me or others as a customer. Since I have no interest in becoming your customer,I would only be wasting everybody's time.

"…and it’s Dawid not David."

My apologies for the slip.

But, with that, I have to move on to doing something that pays the bills. Flame away if you will, but I won't respond further.

"As a result of my military training, I can read people fairly well."

> This seems like a non sequitur to me. What do you mean?

Oh, I try to make my comment clearer. I can only speak for myself. Of course it is. It’s supposed to be – at least partially - a non sequitur. It’s more intuitive. In a combat situation I don’t have time to “engage” my brain. I often have to make decision in a few seconds based on partial information. This ability has always been very helpful to me.

> Skepticism is not caused by a difference of opinions. It's a way of looking at the world that looks for proof before reaching a conclusion.

That's quite possible. But there is no ultimate proof to anything. As philosopher, Karl Popper put it, “Nothing can ever be proven. You can only say it hasn’t been refuted yet.”

> Or, to put skepticism in context of this discussion, it means looking for signs of trustworthiness before extending trust.

All right. Let’s rephrase it. What if I extend my trust, expectation and consequences at the same time. For instance: “All right, I believe you. I hire you for this position, and these are my expectations. If, for some reason, it turns out that you falsified something that influenced my hiring decision, you get instantly fired and I’ll also sue you for lost revenue my company suffered from by hiring you instead of the right person. Can we proceed?”

If I’m a con artist, at this point I start thinking very very seriously about the position.

> By contrast, a few behaviors such as extravagent promises of personal wealth, avoidance of issues, and answering direct questions with rhetorical questions tend to be signs of untrustworthiness, especially when they are all seen in the same organization.

I am totally with you on this baby. Dead right.

> I don't think this has anything to do with being Canadian or European as you suggest, but rather with what's important to you.

Here I really meant certain values that are influenced by geographical cultures.

> A single greedy bastard might be an exception, but if an organization attracts a lot ot them, then something may be fundamentally wrong with the organization, too. Putting everything down to individuals ignores the fact that organizations can develop their own culture.

Yes, you’re right. I’ve overlooked this baby. Organisations either attract winners or losers, although sometimes a few rotten apples can infiltrate great companies too.

Thoughts Cheers Tom

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In Business Since: 1977

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Online Training & Support: An online presentation is available at Primerica.com, which is available to the public, and exclusive online support is available at callatlanta.com, which can only be accessed by Primerica representatives. Information available at callatlanta.com include personal and downline activity, updated company developments, training information, and the ability to track your performance and compare it to those in your own state, in the U.S., and around the world. Some of the things I'd like to see online is a detailed description of their compenstion plan, company provided personalized websites for each agent, and the ability to enroll online. However, online enrollment is probably not something that can be made available as easily as with other network marketing companies due to the nature of PFS products, such as insurance and securities, which are highly regulated. If you're looking for a turnkey internet business or even a business that is internet centric, you won't find it in Primerica (yet), since detailed information about the products, business opportunity, and compensation plan are not available online, and those seeking complete details will need to contact a Primerica Personal Financial Analyst directly for a personal presentation, which is usually conducted in-home or in-office.


Field Training & Support: Primerica provides the most professional training and support in the industry. This is due to the fact that a license is required to sell various Primerica products. Many who join Primerica are also insurance and real estate agents, and financial consultants. Field support is also available via a weekly satellite television broadcast on a subscription basis through DirectTV. This broadcast, conducted every Monday, covers updates, compliance issues, awards presentations, and business presentations by company leadership.


Motivational Support: Motivational support is available from Primerica publications, company sponsored events as well as from meetings conducted by Primerica's top money earners and other leaders, and Primerica's weekly satellite TV broadcasts.


Overall Training & Support Rating: 4.5 Stars


Products/Services: Financial Services and Products: Term Life Insurance, Auto Insurance, Homeowners Insurance, Mutual Funds(Smith-Barney), second-mortgate and personal loans(Travelers/Aetna Property & Casualty Corp). Through selling Primerica products, one of the most valuable services Primerica Financial Analysts provide is educating and helping people take charge of their finances and make wise, life-changing financial investments. The lessons taught during the course of selling these products is invaluable to the financial well being of their clients. If Primerica representatives were able to reach every young person in this country, I believe that we would have a country with less debt instead of a country with the biggest personal debt in the world.

Product Quality/Effectiveness Rating: 5 Stars


Product Market Rating: 5 Stars


Business Opportunity Market Rating: 4 Stars


Compensation Plan: Review pending


Compensation Plan Rating: N/A


Overall Rating: Pending


Advantages: Solid company with strong corporate backing. Professional training and support. Strong name brand recognition.


Disadvantages: The time that it takes to get trained and licensed for Primerica products prevents the kind of fast organizational growth that has taken place with many network marketing companies. However, Primerica attracts more serious networkers and more people with professional backgrounds.


Comments: If you're looking for a network marketing program that does not involve personal sales and one that is simple and easily duplicatable, I wouldn't recommend Primerica. However, if you're looking for something that you can be proud of, where you can achieve professional recognition, then Primerica is it.

Hey, GReat description! Love it and i completely agree with you there! Primerica is giving me a lot of trust in myself and people are always there for helping me through my trainings and my studies. More i learn valuable things in life and thanks to primerica , and more i feel that i am in the right way. More i go and more i'm proud of it , and even if a lot people are still in their shell well, i don't mind but for me, i'm learning a new way of living and a new way of seeing life. there is a learning through all and this is the most benefic learning of life! People should read "Rich dad, poor dad " and the business school " from Mr. Kiyosaki !!! So great books he have ....and you learn a lot from it too!!!

[img]http://www.pierotonin.com/insurance.gif[/img]

[img]http://www.cartoonstock.com/newscartoons/cartoonists/jlv/lowres/jlvn128l.jpg[/img]

Hi Yuri,

It's great to have you here.

I assume that there are many computer experts and engineer-like people at this website. They are normally very analytical – which is great.
It is fascinating how many visitors are looking at our conversation; and how nobody brags or praises any other financial/ non-financial company here.
Does everybody like his/her job?
If you are a self-employed – a free-lancer consultant – wouldn’t you like to find a way so you could share your ideas and expand your business and employ other people?

Did you find any of the websites interesting? Credible? Informative?
1) www.primerica.com
2) www.billorender.com
3)www.investmentexecutive.com

I would like to find 3 to 5 more people who think the same way as I do.
I am trying to ignite some interest in some of you. Hopefully with a network of well-informed members of this forum I could be guided to the right people – people who are looking for an opportunity like ours.

One more example of well-known company recognizing us as a great organization.
Please take a look at the article by PalmOne: www.palmone.com

[img]http://www.palm.com/us/images/wrapper/logo_palm.gif[/img]

Improve Customer Confidence with Improved Response Time

Solution

With over 15,000 agents already using hand-held devices, 90% of which were Palm users, the choice to develop an automated system around the Palm OS was simple. Tom Swift, Executive Vice President of Field Technology at Primerica, had his team develop an application called TurboApps, which captures and submits life insurance applications on Palm handhelds and smartphones. Agents sit down with their customer to gather and input information directly into the TurboApps screens. The TurboApps solution was designed to eliminate errors by running a check of the application before it can be submitted electronically. The program automatically identifies errors and omissions, prompting the Agent to make the necessary updates before the customer can electronically sign the application on the device...

As a person with an engineering background I am finding it as a great way of conducting any business.

thx

Hey thanks.
Well , nice sites you gave! IF people would open themselves more...maybe they would make a difference in there life....But since i'm working, i see a lot of closed mind . Too bad for them cause with the efforts , you really can improve your life. I can assure you ,cause mine is changing , in the slow way but in the right way. And i feel more confident then before. Not without efforts but it sure feels good!...

Dear Bank Manager,

I am writing to thank you for bouncing the check with which I endeavoured to pay my plumber last month. By my calculations some three nanoseconds must have elapsed between his presenting the check, and the arrival in my account of the funds needed to honour it. I refer, of course, to the automatic monthly deposit of my entire salary, an arrangement which, I admit, has only been in place for eight years.

You are to be commended for seizing that brief window of opportunity, and also for debiting my account with $50 by way of penalty for the inconvenience I caused to your bank. My thankfulness springs from the manner in which this incident has caused me to re-think my errant financial ways. You have set me on the path of fiscal righteousness.

No more will our relationship be blighted by these unpleasant incidents, for I am restructuring my affairs in 2005, taking as my model the procedures, attitudes and conduct of your very bank. I can think of no greater compliment, and I know you will be excited and proud to hear it.

To this end, please be advised about the following changes:

First, I have noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you I am confronted by the impersonal, ever-changing, pre-recorded, faceless entity which your bank has become. From now on I, like you, choose only to deal with a flesh and blood person.

My mortgage and loan repayments will, therefore and hereafter, no longer be automatic, but will arrive at your bank, by cheque, addressed personally and confidentially to an employee of your branch, whom you must nominate. You will be aware that it is an offence under the Postal Act for any other person to open such an envelope.

Please find attached an Application Contact Status which I require our chosen employee to complete. I am sorry it runs to eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative. Please note that all copies of his or her medical history must be countersigned by a Justice of the Peace, and that the mandatory details of his/her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

In due course I will issue your employee with a PIN number which he/she must quote in all dealings with me. I regret that it cannot be shorter than 28 digits but, again, I have modelled it on the number of button presses required to access my account balance on your phone bank service. As they say, imitation is the sincerest form of flattery.

Let me level the playing field even further by introducing you to my new telephone system, which you will notice, is very much like yours. My authorised contact at your bank, the only person with whom I will have any dealings, may call me at any time and will be answered by an automated voice.

By pressing Buttons on the phone, he/she will be guided thorough an extensive set of menus:

1. To make an appointment to see me

2. To query a missing repayment

3. To make a general complaint or inquiry

4. To transfer the call to my living room in case I am there; Extension of living room to be communicated at the time the call is received.

5. To transfer the call to my bedroom in case I am still sleeping. Extension of bedroom to be communicated at the time the call is received.

6. To transfer the call to my toilet in case I am attending to nature. Extension of toilet to be communicated at the time the call is received.

7. To transfer the call to my mobile phone in case I am not at home.

8. To leave a message on my computer. To leave a message a password to access my computer is required. Password will be communicated at a later date to the contact.

9. To return to the main menu and listen carefully to options 1 through 8. The contact will then be put on hold, pending the attention of my automated answering service. While this may on occasion involve a lengthy wait, uplifting music will play for the duration. This month I've chosen a refrain from The Best Of Woody Guthrie:

"Oh, the banks are made of marble With a guard at every door And the vaults are filled with silver That the miners sweated for"

After twenty minutes of that, our mutual contact will probably know it by heart. On a more serious note, we come to the matter of cost.

As your bank has often pointed out, the ongoing drive for greater efficiency comes at a cost. A cost which you have always been quick to pass on to me. Let me repay your kindness by passing some costs back.

First, there is the matter of advertising material you send me. This I will read for a fee of $20 per page. Inquiries from your nominated contact will be billed at $5 per minute of my time spent in response.

Any debits to my account, as, for example, in the matter of the penalty for the dishonoured cheque, will be passed back to you.

My new phone service runs at 75 cents a minute (even Woody Guthrie doesn't come for free), so you would be well advised to keep your inquiries brief and to the point.

Regrettably, but again following your example, I must also levy an establishment fee to cover the setting up of this new arrangement.

May I wish you a happy, if ever-so-slightly less prosperous, New Year.

Your humble client

Daughter in college
Local news

A local banker was recently arrested for embezzling $100,000 to pay for his daughter's college education.

As the policeman, who also had a daughter in college, was leading him away in handcuffs, he said to the banker, "I have just one question for you. Where were you going to get the rest of the money?"

I have here an article for everyone…for employers, employees, members of pension plans. Death Knell of the Nest Egg? Private pension plan deficits are threatening Canadians' financial futures. by Luis Millan.

(please copy and paste the link)
www.cga-online.org/servlet/portal/serve/Library/Publications/Newsletters+and+Magazines/CGA+Magazine/Archives/2006/ca_2006_05-06_ft1.htm

As reading it, I am asking myself:
$i

…if yes, let’s get together and explore the possibilities.

…”Traditional pension plans, otherwise known as defined benefit plans, are indeed in dire straits. Aggressive investment policies coupled with poor equity returns and rock-bottom interest rates during a bull market that began in 2001 led to staggering pension funding shortfalls. And it's getting worse.’…

…”With baby boomers heading for retirement in droves and pensioners living longer than ever, it's no surprise then that the viability of the defined benefit plans, which promise a steady income to retirees based on years of service and wage level, is increasingly under question”….

….”Maintaining the status quo will likely drive a growing number of employers to examine alternatives. In fact, it's already happening south of the border”...

[img]http://images.google.ca/images?q=tbn:L_GWqTdtMlq_bM:img.timeinc.net/time/magazine/archive/covers/2005/1101051031_400.jpg[/img]

The Broken Promise

$i
By DONALD L. BARLETT, JAMES B. STEELE

[img]http://www.cartoonstock.com/newscartoons/cartoonists/kcl/lowres/kcln8l.jpg[/img]

No offence to any of the companies you talked about but from reading most of this post, I just have a few things to say.

#1 I would never get a job with any company I did not contact first, unless I knew I had desirable skills and was headhunted by a direct competitor to the company I currently work for.

#2 Why would anyone use Primerica or any random company like that, when they could just use the Bank they have their accounts with. (Bank of America – Royal Bank etc.)

#3 I would rather invest my money in to myself, because it is a proven fact, no one is ever going to ring my door bell and hand me $300 every day for doing nothing. (if it were true we would all be rich)

#4 take 10% of what you make every week off the top before you spend a single dime of your money and put it in a savings account, do that for 20 years (while investing in the stock market, mutual funds, and GIC’s etc..) and you will have $1 million easy. (do the math it is simple)

#5 Enron showed people Fortune 500 or not the world is run by Idiots why give anyone your money unless you have to, and never put all your money in one basket.

#6 If you have 1 million dollars in the bank you make like $70/day of interest on it (@ 2.5%) So never pay for anything early just the exact second it is due. (a dollar not spent today is more then a dollar saved.)

(relax - not)

No offence:

#1.) I would never want a job.

#2.) I would never be a client of a bank when it comes to long-term savings – I would own one – by owning stocks of banks directly or through an investment fund.
Primerica or PFSL rather is a mutual broker (a good one – just look at the latest “Investment Executive” magazine.

#3.) If you investing money yourself – are you buying stocks with no license? How about having your own license to buy your own investment? The rules have changed – you can be a pt broker.

AGF (agf.com) is in charge of our licensing.
Invest yourself – we help you get the license.

Oh, I am sorry did your beloved bank ask you to do it, as well?

#4.) Actually $1,000 a month at 12% for 20yrs gives you 1M.

How many workers (CWA, Air Canada, Telus, teachers, etc) do you know have retired as millionaires at the age of 60? They work for 40 years.

Oh, I am sorry did your beloved bank show you how to do it (or not), as well?

#5.) (obvious)

#6.) I am confused.

Let’s see:

$1,000,000

+25,000 (2.5% interest per yr)
-10,000 (40% tax on interest)
____________
1,015,000
- 30,000 (3% inflation)
---------------
$985,000
=========


I can say “I was a millionaire, now I’m not. Thank you for your advice” – it took me just a year (?) to not be one.

…please, get real.

Thank you for your reply to my comment and the kind comments, obviously I should just have kept it simple seeing how this is obviously not my area of expertise.

#2 I do my investments with RBC Investments through my bank, because they are local and have obtained my trust. When it comes to my money trust is the key, and the fact the RBC is one of the top companies in Canada.

For #4 I should have said loosely if you want to be a Millionaire by the time you retire, stop smoking, drinking, doing drugs, and spending money on other random junk you do not need. Then invest the money you would have wasted for the 40 years.

As for #6 I should have explained to leave inflation + tax out of the 2.5% seeing how realistically you should be able to make like what?? 10%. So now it is about $1,028,000. (All damage done)

(relax-not)


#2) …you are the first one, that I’ve met - a happy one.
With an exception of a few daily-traders who like the internet website for its speed.

As a client, my personal experience is much different.

Sure, all major banks in Canada are top picks for most investment funds – mostly thanks to the law that limits other banks to entry the Canadian market.

Do you have a driver’s license? Do you have a marriage license? Or a computer-network certificate/license? Why not one more – the pt-broker license? It would top your 2.5% by some points.

#4) You are on! It’s exactly what we are preaching to our clients.
Just like with the exercise – most people need/ prefer a coach, a personal trainer; don’t you agree? We try to do it.

#6)
Let’s see how we can leave the inflation and taxes out of the calculations:

$1,000,000
+ 100,000 (10% rate of return on investment per yr)
- 0 (0% tax on interest – since we do not generate interest, only capital appreciation, or we use a tax sheltered account – [if we use the RRSP the amount should be $1.3M])
---------------------
$1,100,000


$100,000 per year withdrawal
-20,000 tax ($100,000 x 50% x 40% - on capital gain)
____________
$80,000 per year retirement income
-2,400 (3% annual inflation)
_____________
$77,600 per year the after-tax and inflation income*
=============

(*I could be wrong here - please double check my calculations)


I totally agree with you – you are ready to do the business with us, and get pay for it; don't you?

I found some interesting links on this subject:

http://primericabuster.bravepages.com/misrepresent.htm

http://www.ripoffreport.com/reports/ripoff192158.htm

http://www.discovervancouver.com/forum/topic.asp?TOPIC_ID=53008

Best wishes for your success!

Cordially,
Nina
Professional Writer/Editor
www.giftedwriting.com
www.websitewrite.com

Get off , with your rip off report or whatever....
This is juste 1 % of some people thinking..... I'm not even touch by those reports....you know ,,, people who write them don't even know the business and didn't studie all the laws of insurances!!! I know people that are clients at primerica and never had any problems with it , even those who invested in the company, and more..... People that really work for them ...they work and do a great job... Any person who is a representant of an insurance company that is licenses have an obligation to be honest with the business ..cause if not they can lose there license to work!!! So, what'.s the problem .... Working with the company is the best thing that happenned to me!!!!

I was not necessarily endorsing these links - just opening them up for debate. That is one of the reasons for a Forum.

Best wishes,
Nina
Professional Writer/Editor
www.giftedwriting.com
www.websitewrite.com

And one more thing as every companies...the person who will misrepresente it is going to lose his or her license ..... even with primerica...so those reports, i don't believe in it!!!! 1% of some uneducated people that are so closed up to the world and to life.... I don't mind if they want to live miserable all of there life and don't have enough time with they're families cause they have to work all the time!!!, but myself prefer having all the time i can spend with my folks ....and enjoying life since we only have one to live.... Stop looking at all the negative in life.....we have so so much the power to change our lives for the best .. Just have to do what it takes too realise it!!!

.hummmm....IF everybody would open himself and try to be more positive in life , maybe the world would change a bit.... The sociaty that we are right now , is so negative , ...if everybody would put they're fear aside and try to go further the fear , maybe they would see a greater and better world
.....LIfe is to short , we have to have dreams and start to find a way to realise them...don't be afraid by work , it can work at the end , and one thing , you have to , and get hurt and try and make mistakes , and try again to learn from it and win!

Relax;
I have been taken through similar calculations before, by a company like Primerica (WFG). They wanted me to borrow money and invest in a 10% product they were offering. The interest on the borrowed money was tax deductible and ofcourse the rest of the calculations were similar to what you have shown, effectively a non registered retirment savings plan.

Do you think it is a good idea to borrow money to invest, thus leverage on higher capital potential? Or maybe just invest the savings as we go along? Your thoughts?

Thanks! [:)]
Dinu

On 6/14/2006 9:12:24 AM, dinu24 wrote:
$i

A lot of people wind up with negative equity that way. "Potential" and "risk" go together and when you do this you are gambling with borrowed money. If you're sure you know the game and can cover any possible loss, then it might pay off for you. Personally, I'm a bit more conservative than that when it comes to money, and even if I weren't I would NEVER do this kind of thing through a retail investor outlet.

$i

Now that's an invitation to speechifying if I've ever heard one :)

Personally, I save cash until I have enough to do something useful with it - that being either plow it into a business on a personal level (not public shares), or of course just spend it on something I need or want :) When my goals get big enough that just saving cash is a bad deal, then I look to bonds and GICs and such things.

As per rules and regulations – licensed people are prohibited from using the internet to discuss similar matters. – Sorry.
Please go to the BC Securities Commission for advice or an exemption.

For the complainers (or the rip-off people, etc.):
Please go to the website of the Competition Bureau of the Government of Canada for legal information regarding the

Multi-level Marketing and Pyramid Selling Provisions of the Competition Act

[img]http://www.competitionbureau.gc.ca/img/FIP_01.gif[/img]

http://www.competitionbureau.gc.ca/

----------------
On 6/14/2006 9:12:24 AM, dinu24 wrote:

Relax;
I have been taken through similar calculations before, by a company like Primerica (WFG). They wanted me to borrow money and invest in a 10% product they were offering. The interest on the borrowed money was tax deductible and ofcourse the rest of the calculations were similar to what you have shown, effectively a non registered retirment savings plan.
Do you think it is a good idea to borrow money to invest, thus leverage on higher capital potential? Or maybe just invest the savings as we go along? Your thoughts?
Thanks! [:)]
Dinu

----------------

I am more conservative, also. I only would use money that I can afford to lose if the venture goes sour.

When I worked in Wall Street, I saw too many people not able to meet their margin calls, and even a few brokers who were fired for over-trading.

Best wishes,
Nina
Professional Writer/Editor
www.giftedwriting.com
www.websitewrite.com

Thanks Steve [:)]

??????????????$$^$^%#*&%$#!!$#^(*&((

Where do you see me using the word BORROWING? ……hmmmm?

[img]http://www.investmentexecutive.com/image/En/logo.gif[/img]

Ethics, freedom and stability remain top priorities

Please see the Chart

Actually, I am very conservative too and good to know there are others like me [;)] Thanks Nina.

If this was a reply to my post; I was trying to educate myself so no need to be defensive. [;)]

----------------
On 6/14/2006 9:43:08 AM, relax wrote:

??????????????$$^$^%#*&%$#!!$#^(*&((
Where do you see me using the word BORROWING? ……hmmmm?

----------------

One more thing to read and compare:
others vs. PFSL-Primerica independent representatives.


Technology training is key for advisors

Please see the chart

By the way, how would you like to have an advisor from a company that is at the bottom of the list or underneath of it - companies that have not qualified?

Should you still call yourself a prudent investor knowing it? - ask your spouse

Hi friends, (especially from primerica)

Do you remember this guy?


[img]http://www.execcouncil.org/summit/images/dawkins.jpg[/img] [img]http://www.oldlifemagazines.com/covers/tcv040866.gif[/img]


Go to his website: Pete Dawkins

How about this one?

[img]http://mason.wm.edu/advisory/images/plumeri.jpg[/img]

See the note about Joe Plumeri
See the note about Joe Plumeri


Business Week Sept, 27, 2004:
$i

Joe Plumeri:
[list]
[*]We value lifetime client relationships.

[*]We value people, the strength of diversity and the power of unity.

[*]We value the family, respecting the challenges it faces.

[*]We value teamwork, the collaboration of individual initiatives and opinions.

[*]We value the impact of partnership, the power of two hearts and minds acting in unison.

[*]We value the entrepreneurial spirit. We support owners and ownership.

[*]We value honesty and integrity, the cornerstones of business and personal relationships.

[*]We value the power of recognition.We enthusiastically celebrate the accomplishments of others.

[*]We value profitability, assuring the future for our clients and ourselves.

[*]We value quality, creating and delivering the best solutions.

[*]We value dreaming, the first step in the journey to success.


[/list]

Can we delete this post now?

On 6/16/2006 8:57:20 AM, relax wrote:
$i

I don't know if I remember him or not, and I don't give a ****.

Until this thread started I likewise had no particular opinion about Primerica. Now your vehement defensiveness and attempts at spin-meistering have made Primerica look no better than Scientology. As a result there is no chance I will ever do business with Primerica, and in fact I'm considering cancelling my Citi Mastercard as well.

Congratulations on that achievement. It is indeed impressive.

Now PLEASE shut up about Primerica!

How about the great CFL Barracudas owned by Art? [8)]

[img]http://upload.wikimedia.org/wikipedia/en/thumb/7/75/BirminghamBarracudas95.gif/170px-BirminghamBarracudas95.gif[/img] [img]http://upload.wikimedia.org/wikipedia/en/thumb/2/28/CFL_Barracudas.gif/150px-CFL_Barracudas.gif[/img]

NUKE

People are only human beings.

Some are grumpy, some are funny
Some are joyful, …. and some are not.

What’s your problem – Pete is a great guy.

I think that Pete is looking for recruits in the wrong place. This is a tech forum not an insurance and investment salesperson forum. It was made quite clear in the first five posts that people made that there was more than no interest but, rather a distinct distaste for that career choice. I am annyoed that I am even writting this post....in short, as nice as he is he should lean when to give up. If he were a great salesman I think he would have cut his losses a long time ago.

F

Countdown....... 10.... 9.... 8...... 7...... 6...... (Insert TV admins here)... 5.... 4..... 3.... 2.... 1..... Nuke.

No offence – but the first entries indicate that the techno-community has shown big interest in this topic.
We are posting our resumes on the internet to market ourselves and our one-person enterprises, trying to be business people, marketers, salespeople, looking-for-more or any-work people, at the same time.
I think it is a fair game – you are all planning to expand, aren’t you? How about a pension plan for your employees? A buy-out contract with your business partner? Do you have a mortgage on your office building? How about your personal debt? Are you actually in business or just thinking about it?

People are only human beings…


PS1
By the way this discussion attracts probably more people to this website than any other one. Consequently, the website of your great-future-dotcom company has more visitors than ever. Please enjoy the ride. Be happy – minimum ones day.

PS2
What about the guy from Robert Half – who is he trying to recruit? …hmmmmmmm?


PS3
I happy to see so many personal-motivational trainers at this website, too.

...please read at the top of the Main page:

Techvibes provides an easy-to-use platform for tech professionals to share ideas, generate sales leads, build stronger industry alliances, and recruit key employees. The Techvibes.com online features include: job search, events calendar, discussion forum, news feed, member's search and more.

You are correct - we certainly do provide a fantastic forum to share ideas and marketing - until it's beaten to death.
Thanks for your information, and I'm sure each member can make up their mind on your position, and there has been some good information on your company but the end result is that this post has now lost it's benefit and is defensive in nature now.

This is a proactive forum, not a billboard.

...and now - relax

[img]http://www.trader-china.com/lamps-lighting/china-lamps-img/lava-lamps-01.jpg[/img]

No offence fieranmason – but where do you see us discussing any “Investment” or using the word“Insurance”, please?

As an accountant my dear friend eChyzowski , I would like to thank you and Robert Half for its work and dedication to the accounting industry.

Regarding Scientology my best sbougerolle - I have no idea what to say dear friend .
I hope you will start a new discussion forum on such subject and its connection to this website.

If I can continue with your majority approval…I was watching a fantastic move recently (an old one), that together with a book, I would like to recommend, makes so much sense. They let you look at your business and personal life from a new angle.


[list]
[*]What the Bleep Do We Know!? – movie @ amazon.com (partially made here, in Vancouver)

[*]Beyond Positive Thinking: A No-Nonsense Formula for Getting the Results You Want by Dr. Robert Anthony – book @ amazon.com

[/list]

If it walks like a duck, quacks like a duck, looks like a duck - well.... it is nothing but a duck. Nothing special, nothing great, simply a duck

Common sence my friends !

Mike

Ethics, companies’ mission statements, etc. – Joe was the best example to start such conversation.

Then we got bombarded by some great members of this community. (?!!) - Mostly by the same people who are part of :
Referral Fees - do you offer them?

No offence – Could I use the term “double standard” in this case?

Man, is this thread still going? You MLMer's don't quit do you?

Even worse, they're spreading...

Bzzt LAUNCH MISSILES Bzzt 5...4...3...2...1...

>NUKE<

Guys, anyone who has anything good to say about Primerica is obviously a Primerica rep. Google Primerica. Check out all the lawsuits that will pop up. There are pages and pages of them. If Primerica was a reputable company, why then do they have the HIGHEST agent turnover rate in the industry? They "train" you for 6 months which means you are stuck working WITHOUT a license for those 6 months. I don't know about you but i'd rather get my advice from someone who is at least licensed!
After meeting with me - a reputable engineer - they turned around and offered me a job! I didn't go to school so I could learn how to sell knives with Cutco or laundry detergent with AMWAY, so why would I peddle door to door insurance?
Earl Jones anyone?

it's amazing when I read all these things written in this forum you can really see the depths of human beings. Some are skeptical, some are optimistic, some are negative, some are positive, some have goals and dreams and some are ignorant to what it means to have them.

I am a Primerica Financial rep and have been for quite some time. I want to ask questions of the people that are responding negatively on this forum.

Is there a limit on the amount of money you can make at your job? If you knew your boss would pay you $100,000.00 to put in extra time and effort for three years but you wouldn't get that money until the job was done and it was in writing would you do it? How do you begin to trust someone/some company? While the corporate world has tainted our thoughts on who's good and who's not I mean don't you have to just trust sometimes? Is there something wrong with teaching people to dream? When was the last time you actually believed you could make maybe just extra income or a significant amount?

See I try to stay away from these sites but sometimes it helps me to answer those questions that someone so nicely put it, we don't give direct answers to. You know why we answer the questions after the meeting as opposed to before? Because negativity breeds negativity and a skeptic in the crowd knows he is not going to go for gold as soon as he sits down in the room. But that negative soul knows he/she'll bring as many down with him/her as they can. Primerica is not the only place this happens. Ewe you want to date him/her. Why don't you leave him he treats you so badly. Don't buy that car...don't see that movie....you'll never make it, you can't do it....etc., etc., etc. People who are afraid of being different or doing something different are also afraid and intimidated by those who are different and do different. Hey have you ever met anyone who dropped out of college and said it didn't work, teachers at that college suck, that class is no good, etc., so I guess college is just a false hope too and people shouldn't TRUST that either. You ever know anyone who gave their money to a college or university, ended up in debt, put a bunch of time and effort in and then didn't take the career path that they studied? Come on people, lets be real. If you are given an opportunity to do something different but it takes some time and effort and you make even a little bit of money extra isn't that better than none at all. Do you think that would make a difference is someone's life? I have three kids and I'll tell you the extra income I have made so far has made a world of difference, but I won't stop there, I won't stop dreaming or hoping and that's not because of Primerica it's because of who I am inside and who this company has allowed me to be. If you answered yes to any of my above questions and still think Primerica is a scam you really need to rethink your perspective.

Those who say it can't be done are usually silenced by those who do it - Dan Defeo Primerica Financial 400k plus earner

It's not what people are that holds them back it's what they think they're not - Bob Graham Primerica Financial 500k plus earner

If you want the results in your life to be different you gotta' do something different - Co-CEO John Addison (PRIMERICA WENT PUBLIC ON THE STOCK EXCHANGE TODAY SCAM EH? LMAO)

Don't be addicted to the approval of others - Kate Defeo see above

and I'll leave you with this which directly relates to Primerica and where you can go in this company.

I was travelling to a mall in Mississauga, it's called Square one. I had gotten on three buses and ended up on a street call Hurontario. I knew the mall was near where I was but I didn't know if I should go North or South. I saw a nice presentable looking man dressed in a suit and tie waiting for the bus. He seemed to know where he was going. "Excuse me sir," I said, "Do you know how to get to Square one?" Why yes he said, follow me I'm headed there also." I got on the bus with the man and we rode for what seemed like forever. He finally pulled the bell and we exited the bus, there was no mall in site. "Well he said, I must have gotten on the wrong bus." "Have you ever been to Square One? I asked. "No," he replied. Well my goodness I thought, he has never been where I want to go so how can he tell me how to get there?

If you want to be successful in life, stop writing on a forum wall about a business opportunity. Stop asking people that aren't successful how you should get to success. Call client referals of Primerica reps, ask them how the service is that they receive, ask people that are in the business, that are seeing success. Don't ask the college drop out how college is...you know what I mean?

I truly believe that this company is in it to benefit any one who comes in contact with them. I am very new. just got my #. I am going to go for my GOVERNMENT licence in life insurance, from there I will obtain my licence in Mutual Funds. Who wouldn't be willing to help out friends and families get out of debt and be able to save for a better retirement and future for their families? Yes, it seems too good to be true. Personally if you want something, you gotta work hard for it. i am willing to do so. Many people aren't. The least those people can do to benefit is listen and learn how to save for the future. Primerica offers that. What is wrong with helping families grow?

I am working with Primerica and most of the things I see here that you may think are "facts" are indeed false... if you want to think about pyramid schemes think about safeway or save on foods... those ones are pyramid schemes. and you actually have to work to earn money and there are no hours... YOU come up with your own hours not them. YOU are your own boss and YOU come up with your own future.

I LOVE PRIMERICA......


If you are not able to Join PFSL or get success in PFSL then you should reinvent yourself.

One should believe in company

1.which has A+ rating from A.M.Best.
2.More than $70 billions dollars in Life insurance and paying $2 Millions in death claim every day.
3.PFSL Investments Canada Ltd. currently administers $8 billion in Canadian assets

Can you think of any other company on the earth which is doing this good?

was reading all the comments here and someone mentioned that Primerica and World Financial Group (WFG) are the same??? pls make research first before saying anything like that because first of all, theyre are not the same and second, WFG is trying to copy Primerica... I am not a Primerica nor WFG member but ive been to their "meeting" and u can really feel the diff on how they explain their company.. I jst feel that there is something Bogus about WFG (u kno the negative vibe is tingling u inside) but when i went to the Primerica meeting, it felt so different (so u guessed it the negative vibe is not tingling inside) ... and with WFG theyre forcing you to be with their company nor invest with them but with Primerica not at all... hhmmm, i feel something fishy WFG....

but then again, were human some of us are stubborn and some jst pure stupid (if u kno wat i mean).. all am saying is ur money, ur life, do watever u want with it but jst remember that when u die and if u owe a lot of money ur kids will be the one that have to pay for all the money that u owe or wen ur 65 and retired jst pic urself working at walmart greeting people or cleaning the dining table in burger king coz u dont have enough savings... so make sure u invest it in the right company or save enough for the future. jst remember Banks dont want u to be Debt Free coz if ur Debt Free they will lose their customer want example? ur amorization t
hat ur always renewing and keeps on extending and so much more! thank god am still young so i have a lot of time to think to which company i shoud invest my money or no mortgage to worry and my parEnts paid their house cash.. yes u heard me CA$H!

ciao...

My reply is to this post: christine on Thu, August 20, 2009 11:20 AM

Read more: http://www.techvibes.com/forum/5047-primerica#ixzz0WZwRbZp7


...in reply to your comment about how you "can't make money until you've got your license because it's illegal to sell insurance without a license"....have you been to a presentation? Have you Spoken with someone who works for Primerica?

There are 3 different ways to make money with Primerica...the first being what they call a "silent partner". You DON'T need a lisence to make money this way. You make money by referring people to someone who IS lisenced. If the person is able to close a sale, then you get commission. There is NOTHING illegal about that whatsoever.

Seriously poeple...you really SHOULD get better informed before making degratory comments about something you really know nothing about.

This is a legitimate business...it's not a get rich quick scam...it's hard work!! You have to work hard to make money...you need to have passion. If you don't work hard, you will not make money, you will get discouraged, and you will quit...and get mad and start calling it a scam. That's defemation of character, and THAT is illegal!!!

I would just like to say that I went to a info session last night at Primerica with my boyfriend and I think that its a great way to make a little extra cash and get your license. Yes it may be hard work at first getting clients (as we are a young couple) but in the end even if you don't like working for them you still have your license and can work somewhere else down the road.

I do not think that people who have not worked at Primerica or dealt with them should right on this forum because you can't say if they are a bad or good without actually dealing with them. If you give your opinion on something you have no real experience in then your words unfortunately are not going to mean as much as someone who has experience.

I am a client and I like what they do. I am a student and they welcomed me with open arms to try and help. I think its the people not the company that make it good or bad. I can say this because I have dealt with them.