Primerica
Reviews and Complaints

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

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

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

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

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

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

thanks for your time

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Expenses? How much?

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

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

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

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

Term Insurance vs. Cash Value Insurance

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

Know What You Need

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

thanks for your time

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

NO BUSINESS IS SET UP AS A PYRAMID, NOR ARE THEY ILLEGAL, NOR DO THEY DESTROY YOUR FINANCES, FAMILY, SELF-RESPECT, MARRIAGE, ETC. Please study my blogs. You need and your peers, family, people who work for you, friends, etc, sign up. My fee is high of course but my expenses are light:
Rocky
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yahoo pulse:
http://profiles.yahoo.com/_U4YXIADA74L2E5GQAN7HKGX76M
http://www.myspace.com/552540705
http://www.jesus-is-savior.com/Evils%20in%20Government/AIDS%20and%20Population%20Elimination/holocaust_wish.htm
http://www.wnd.com/index.php?pageId=35532
- E R ROCKY Nextaxpro
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P.S. Here's the link to register: http://MGTENTER95.grouply.com/register?r=655221&vt=g655221229520166
After you register, you may log in at: http://MGTENTER95.grouply.com/login .
For my students and friends who prefer a language other than English:
http://translate.reference.com/
http://babelfish.yahoo.com
http://nextaxpro.spaces.live.com/
yahoo pulse:
http://profiles.yahoo.com/_U4YXIADA74L2E5GQAN7HKGX76M
http://www.myspace.com/552540705
http://www.jesus-is-savior.com/Evils%20in%20Government/AIDS%20and%20Population%20Elimination/holocaust_wish.htm
http://www.wnd.com/index.php?pageId=35532

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

blah blah blah

nextaxpro,

Hey grandpa, thank you for your opinion...

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

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

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

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

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

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

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

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

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

You were NOT TOLD a tremendous number of truths by your upline rvp, etc. You don't own your company! Primerica owns it! Furthermore, you are a captive agent! You are NOT allowed to sell anything except ripoff Primerica. Hence, you find yourself LYING to your loved ones and friends and co-workers attempting to get them to policies, mutual funds, mortgages that are NOT even competitve. Also, do not suit their actual needs. One vile criminal who claimed to be a police officer sold ripoff policies to HIS OWN MOTHER. Some minister of GOD he is! The mortgages are an especial heinous ripoff.
Read my blogs and check out the websites. Type in "Primerica fraud" and simiar titles in to search engines.
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I absolutely rescent this company, I started a blog to help spread the word about them please post your complaints please primericacomplaints.blogspot.com

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

SINCERELY,

A NEUTRAL CLIENT OF PRIMERICA
WHO KNOWS THE FACTS FIRST.

How many boards does the PFS home office monitor?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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