Primerica Reviews 

I bought into their MLM scheme as a salesman. It's the worst company I have ever purchased from. I had a Roth IRA setup through them and their product is so far behind compared to competitors, at least 20 years behind there is no online component to their product. You can't do anything online with your account, any action you want to take, you have to call. It looks like there is an online account but there is no functionality and key futures are disabled. This is widely inconvenient compared to competitors. They also take a management fee for doing no work, they just buy an ETF for you and that's it, they're not investing experts. Competitors have good online experiences, let you choose from self management, robo-investing, or auto reinvest. And (as expected) my sales rep was dragging their feet to get my money out by not answer phone calls and emails. Let me remind you, the only way to do something is by phone call. I don't know how this company is still afloat with an absolute predatory and embarrassment of a product and customer service.

Was called for an interview for a job opening. Interview was all about selling their own training program. Looked like a scam.

Great training and support! Much more support than previous traditional companies - was surprised and impressed!

I have been involved with and studying the insurance and financial services industry for over 7 years now.

I’ve been around the block. I’ve looked into the so called “real firms” or “name brand firms” and “the big guys” etc. No one is better and I can honestly and truly say that. Here’s my proof:

1. Primerica was voted the #1 most trusted company by investor business daily and top 3 most trusted companies by Forbes.

2. Primerica has created more six figure earners than any other company in North America (google it if you don’t believe me)

3. The industry is unfortunately pushing overpriced, low return permanent life insurance as an investment alternative. Even the most honest IUL agents can only manage an illustration of about 5.6% in good conscious - not much more than Whole life at about 4-5% - and keep in mind this is before fees and this is assuming the IUL policies won’t implode from cost of insurance eating away at the cash value. Would you rather average 9-10% returns in a Roth IRA (a real investment) or horse around with a goofy IUL for 5.6% that may not even survive? Primerica is one of the few companies who’s honest about the facts. You’ll have more than double the money in retirement buying term and investing the difference in a Roth IRA over a cash value policy.

3. Will “those other companies” personally come to your home and educate you about eliminating debt, help you retire and pay off your mortgage sooner, and for those who desire to, start a business for $99 that will cover over $1000 of licenses and training with the state?! (Ever read the book, the $100 start up?). The answer is no. And most of the times those “other companies” won’t work with you unless you have $50,000-$250,000 liquid cash to invest!

4. Negative reviews don’t reflect on the company itself. Unfortunately, where 1099 independent contractor opportunities exist, so do poorly trained agents who scared off their friends and family or tried recruiting too aggressively. This is typically for the following reasons:

A: They didn’t listen to their trainer and thought they knew better and then ruined their chances with their warm market because they thought they knew better.

B: Their trainer wasn’t good at all unfortunately. Bad first impression

C: Both A & B

Just because a few bad apples misrepresented the company’s doesn’t mean the company is actually bad. We’ve all had a bad customer service experience at a great company. That’s not the company’s fault. Even with proper training, rude people are rude unfortunately. Perception with bad agents is the cause of negative reviews - even though it’s the result of how good the agent is or is not. The company is good regardless and has the track record to prove it:

-publicly traded on the NY Stock Exchange, ticker: PRI

-A solid 40 year company that is the largest financial services organization in North America with NO TRADITIONAL MARKETING OR ADVERTISING.

-The #2 largest seller of Term life insurance in North America that pays out MILLIONS a day in death benefit and has MILLIONS of clients around the country and still has an enormous market of families to help protect

5. The ability to get into the financial services industry with proper education and guidance without having to completely do a career change - You can start part time. What other firms will let you start part time and make your way over slowly?

6. Finally, for the firms that say they are “fee only” and say “commission is bad” - fee only doesn’t mean more affordable to the client, nor does it mean better for the client. People who are “fee only” advisors are like lawyers. They want to charge you for their time no matter what you buy or don’t buy. They get paid no matter what. And their fee is going to be higher than an agent gets helping you set up a Roth IRA and get a term policy. Don’t fall for the nonsense. Primerica is going to do what’s best for the client 100% of the time.

Any REAL financial professional who is actually worth anything is going to help with life insurance - fee only advisors can’t do that as apart of their standard, so they end up referring people to other insurance agents! (The irony…) and as fee only professionals, they don’t always know what they’re doing and sometimes don’t know if the insurance agent they’re partnered with knows what they’re doing - especially if that agent is trying to push an IUL policy in the client. (Look around, no one knows how to properly structure those policies).

7. Lastly, Primerica is NOT a multi-level marketing company. Multiple levels of compensation does not equal MLM. Primerica is more like a real estate brokerage. A broker can recruit real estate agents and gets an override commission when an agent makes a sale. Most sales organizations work this way and are not MLM.

Agent Cherlynn Buffa NJ
Extremely rude, doesn't return calls/message in a timely manner (1 week or longer).

Hey Primeamerica, tell your guy Rick Miller to stop parking his car in the park reserved for postpartum mothers. What type of people are you hiring?!?!

I have been with primerica since 2015, what an outstanding company, from insurance to investments, They have proven to be very trustworthy and an amicable company.

Been clients of Primerica for 32 years now. There’s great comfort in dealing with such a highly regarded company that, through our own experience, also provides great customer service. We recently cancelled our insurance through them as they’ve helped get our investments to a place where we just don’t need it anymore. Trustworthy, reliable, Primerica really cares about our family and our financial goals.

Amazing company!! I would say without any doubt is the only hope for middle income families for financial freedom. As a business opportunity, definitely the company provides the best system, tools, experience, vision etc... to support agents to grow and to build a business, the success is our personal responsability, no excuses.

The Best Company for All Families! Changing our Financial Status! They do what is ONLY RIGHT for Families esp as an Immigrant who has no knowledge in the Canadian System. Highly Recommended!

Experience was great, I am a happy client with amazing results.

This company has exceeded my expectations in every way. Doing what’s right never goes out of style!

This company is not MLM. This company stands out as a legitimate and distinct opportunity, setting itself apart from MLM schemes. Unlike typical MLMs, there's no pressure to recruit others to earn money. It operates on the basis of Independent Business Ownership, allowing you to work autonomously or build a team as your own venture. Personally, I've chosen to work part-time and have found significant financial success, making between 2000 to 3000 CAD per month without having to recruit anyone.

One aspect that sets this company apart is that it doesn't involve selling WHOLE LIFE INSURANCE or UNIVERSAL LIFE INSURANCE. Unlike traditional insurance companies and agents who profit by holding on to a client's investment for 2-3 years without giving any returns, this company operates differently. They prioritize transparency and ensure that every single penny you invest is used wisely, providing you with enhanced life coverage.

Overall, I've had a positive experience with this company, and it feels rewarding to be a part of an opportunity that prioritizes integrity and genuine financial growth rather than questionable practices. If you're looking for an alternative to MLMs and value ethical business practices, this could be an excellent fit for you.

Best company. Great products !!! Great opportunity to make extra income. I’m glad I get to know this company 🔥

Karletta Woods, assisted me health care coverage. She was attentive, pleasant, knowledgeable, professional; very thorough. She listened to what I wanted from my health plan, it took some time but she researched & offered one that fulfilled what I was looking for.
I appreciated her time & patience as I asked questions to be sure I'd heard her explanations of the coverage correctly. Hoping to speak with her when I need to renew my coverage next year. Thank you knowing your job ma'am.

Good company to work for if you need to start getting into the life insurance business however the pay scale could use some work.

The benefits are way cheaper than average and overall this place helped me and my family more than anything else in this country.

Wonderful company, very knowledgeable agents. They helped my family with our finances and spent time educating us on this stuff. In-person or on the phone they have always been very kind and helpful

I became a customer in 1990 when I retired. I was in good health and got a good rating and cheap premium. My policy came up for renewal in 2010. 3 months prior to that, I was told I had cancer. Primerica renewed my policy at the preferred rate even though I had poor health. I couldn't find another company that would even give me insurance then. I still have coverage until I am 100 years old if I live that long.

I have been a customer of 20+ years. I saw my investments grew here versus being in some of the other institutions I was using. If you get a well-trained rep/ analyst, that is the key, Once I was explained my options and I understood my accounts, I took advantage of the right options for me and reaping the rewards later. Thanks