Go do your own learning. IF so, why are you afraid of Primerica? its the same way with your trainer taking you out on appointments your trainer has the knowledge. Since Tom is the only one seems to know PFS products in and out except for ex PFSs would someone give 10 reasons why to join PFS and 10 reasons not to join PFS. You are right. Would you rather make an educated decision or an emotional decision? That comes from my former PFS training.. Oh one more thing. I am still in the licensing phase of the employment process. Are you going to let this go by and ignore it? I remember the days of PFS continuing Ed. You are not charged a 500 to 6000 dollars to get one that does not even cover the areas needed, like debt. No two year clause or 50 mile clause. Depending on the policy you have, you get the face amount, the face amount and the savings, or the face amount and a calculations on the savings. If a person buys a 100K face amount policy from company A or Primerica for the same duration and they die how much will company A pay compared to what Primerica will pay? Term life insurance Second, how many of these people have a terminal illness like cancer but live longer. Just look at the broker of a real estate office. Only 1 to 5% rate of return. This is value. They are great but I wanted to retire before I was grey, so I found a company that was not doing well. As for LTD, policies outside work cost considerable more and do not cover as much. Thanks for the laughs and by all means, please post again. , Since it more than likely came from you, a typical competitors choice, I am glad you pat yourself on your own back. You are exactly right 100%. Thats what I did and I just couldnt drink the kool-aid anymore. Life is never easy. That is confidential information, that only agents have. And people are willing to pay for it. But then again why not buy term and invest the difference? This is so that they have a higher level of ethics. Then they mask it with products that they know arent really going to sell. Pays 1 to 5% guaranteed. God our creator gives us a chance to strive not to remain ignorant. I appreciate the debate and discussion going on but as I mentioned in the article above, I need everyone to stay civil and also not use profanity. Something people are glossing over is the fact that Citigroup has PFS on the market. Michael said an interest only loans, which is great for people wanting to flip the house, but then again that is why a shack cost 1.2 million in Orange County. Theres a reason the starting commissions are low. Now that you know what a YUGO is Michael can you see how comparing it to say a BMW shows you the difference between the term you sell and Primerica term. (Sometimes even tax free. As for return of Premium, why would anyone want to waste their money on that. He did not come for the saints but for the Sinners. We have agents that have the ability to retire at 30 here. Then theres the difference between the ratings for men and women which some companies seperate and another may blend them together and rate as unisex.. I think the cost is $99.00.. This could be another attempt to do this. You mentioned 250 for e and o. Are those agents from PFS? If you an insurance policy when you are young and healthy, you have several advantages. You CAN move up to the top, and get this, WITHOUT becoming competition for the person that was your trainer. Now I know I said what Andre Carnegie said, but here is a similar one. If you have been talking to anyone in Primerica you should know this. That means the dollar amount is going to be lower. Which one is it? Primerica DOES offer an exam guarantee, where they will pay indefinitely for you to re-take the exam until you pass. (This is conservative since they have started paying for the Securities Licensed.). You need to pay for the entire 30 years. if I succeed, my coach/upline succeeds). Better to be quiet, and thought a fool, or to keep talking and remove all doubt. Last night I saw your program on TBS the three stooges with Tom, Tom, & Tom. You are not turned over to an 800 number to get the money. $0 in your account for the first 1 to 7 years. *****Now let us talk about Whole life. But I do like to try to educate you. As for Cancer (Look at Spelling), accidental and the other policies that you can sell, they are usually worthless. What do you do then? It goes to trips for teh winners, and not the whiners. The user should be at a different level and the data should be present at some other level. Please stop saying that I sell whole life. You do not handle the complaint it becomes a problem with a regulatory issue. Tom does not appear to have any interest on anything other than his opinion. There is one thing that your right on. They do ARMs. I had cancer in my family, does that mean I need cancer insurance. And truth be told, if they dont do it here, then they probably wont do it anywhere else either. They run independently under Citigroup. The key to ownership is having control. You can have that choice. Facts are important not what you tell me or write in this blog. - I have seen the checks on policies that were higher. Also why is it that the only people that sell Cash value see it as something that is good? In fact, atleast they new born would respond. Atleast, when the author of this initial review claims a disclaimer of not completely knowing whats going onhes honest there but he should completely put that first and in BOLD PRINT. I am sorry but both of you have spelling issues along with not truly understanding Primerica. I take the guy who is not making his families lifelyhood ideas, over the one who has to feed his family and take care of them 100% on what he sells to me his clients. Yes their Term wasnt the cheapest but it was comparible than most banks but who would I rather do business with. I know thats how they PFS trains you guys by pick on one thing. Now I do know there were companies that cater to Primericans, but that is something that is smart since they have been growing their ranks where most other companies have been down sizing. One is to take your position with great trepidation. Your facts are suspect. Coverage: $400,000. They ask me if I am interested. I try to stay away, but they just keep calling me back.. We got nothing back to bury him. Cash value companies that will not stop bugging you until you convert. Is it true that Primericas policies are much more straight forward and that they have a much better pay-out rate than other insurance companies. Tom this was goin a bit too far. 7. So please if they recruit young kids great. With my investments I am worth a lot. Many Independent agents work through Insurance Marketing Organizations. First: the fact that many of the folks (especially the higher-ups) seemed extremely over zealous. Given the information any PFS agent who looks at it with a clear mind can make a decsion thats in their best interest. As for Ignoring me Michael, please do, it will keep my time for important things, like watching my money grow, in the accounts that I have through Primerica. Assuming COVID-related deaths continue to decline, Primerica projects benefits and claims ratio to get back to its historical range between 58% and 59% later in 2021. Being a business owner I answer to my self and if I walk away from a client you would be the perfect example. But anyone that takes what they read here needs to investigate themselves. Some that you mentioned is VA that pay more, which means less is in the account. My former co-worker did not have a choice of a time limit or elimination period. They could ahve picked your business card. You must have a misunderstanding on what each product is designed for. It is not to be used Investments, for parties, for terminal illnesses. but remember knowledge is not power, applied knowledge is. ***Agents at PFS are independent contractors. This is a contract between you and Primerica Life Insurance Company (Primerica Life). If you check it out in california, you will find out that he is wrong here. If you are using it to have income in the future, you better have be usiing a variable annuity, so you can build wealth. In California, without PFS, it is $450. But then again I am willing to pay for quality. And that was in the policy, and planned. I want to have clients that need my services and are willing to work with me and fight me just to be the alpha male and beat their chests. THIS IS A BINDING CONTRACT. This means that they can get the insurance with out going through medical check. This means that if I have an accident, I pay a little not the whole amount. Read the article. Well do you expect it to go down? . Im also experienced enough to ask for all industry required disclosure forms. Now If you have read my posts, you should know that I am a CLIENT. I had one company selling my company toner that was local. I wish everyone in Primerica well. Genworth . I recently met with a RVP about a job position and I more or less interviewed him. Primerica wants their money back .. which means they take it out of the next check or the next one or the next one which means you are running up an escalator and YOU KNOW IT . You will answer yes, but will you finish it with Thats all I can offer, but you may be able to get more coverage with another company for the same amount of money or you may be in competition for a recruit. But let us see if you will answer these questions so we can gauge your honesty or deception: Did you sell any Adustable rate mortgages? Hmmmsounds like somebodys frustrated! Generally, though, there are three levels, and theyre discussed below. I am curious did you investigate the owners of the companies you sell? I have already listed those of other carriers. . He is worth Billions too. Primerica Review - Compensation Plan & Pay Structure Details Sorry to give out the dirty little secret but you can not say you like the CHARGEBACK . The PFS Terminal illness benefit is lower than all others I have. So I did take it with a grain of salt. Services and benefit availability may vary by state. For the most part youll be offering clients advice on how to take thier current income, cut every corner and plan for the future. Knowing what you know now, is it Citigroup chose Primerica to market its services to middle income familes. Is this how you treat your clients? Costing them money in Bonuses. There are companies that offer policies without a TI benefit. -. (ii) the solicitation is of a Primerica Life insurance purchaser whose purchases of Primerica Life insurance resulted in your earning commissions (which should be evident, for example, in commission records provided to you); (iii) the Primerica Life policies that you are attempting to reduce, terminate or replace are less than seven (7) years old at the time of the solicitation; and (iv) the solicitation is of a Primerica Life insurance purchaser who lives at the time of the solicitation within fifty (50) miles of the location of any of the principal address(es) that you had during the one (1) year period before termination of this Agreement (as determined in accordance with this Agreement or any written amendment). Oh by the way, this is the James that posted on July 26, 2008 James @ 9:25 pm for the first time. Cash value companies. Well what if you ran into a market for Health insurance and wanted to offer that, well you wouldnt be able to. As for Lying, you lie like all the other good Christians do it. The only bad thing is that it has no place, and was created when the insurance companies was losing money to the Buy Term and Invest the Difference. Since it sells millions and the staff is the best commodity, It was pegged a couple years ago at over 100 million dollars if I want to sell it. Not every situation will term insurance always be the best option. Im not trying to recruit anyone. One cost nothing. -. I really must apologize, now that was an example of being unprofessional. I mean My 2 year old nephew does that. Hire lots of people, get them to call all of their warm market and offer them cell phone discount and discounted service plans. I work for a large commercial building repairing a/c equipment. If you do not believe me, look at social security. When you are retired? ************************************************, Tom says: The only time you have to go fulltime is when you go to RVP. Well I can see why you only base everything on price. I had to BECOME the right person. I can be there form my parents and family when things come up. -. It takes hard work and dedication to getting in front of people. Types of Assisted Living Programs. Without Primerica most people would not try a business. They not just sell a product but give advice. We get out there and do things that most people wont. And if you do it right, you will not pay any taxes on it. Ranked #10 Aviva Life and Annuity Company 76.10 a month, Sells Cash value. (As was be scarcastic, in case you didnt know. . Would you give up 10,000 a month in business to get multiple 10,000 a month businesses? James, These three things are easy ones. Terminally Ill patients are those that are going to die. (That shocked me in my research). Third, did you know that the clients of Primerica get a debt stacking program free? PFS sells decreasing term after 70 or ART (Annually Renewable Term) Every year the price goes up and its not going to be cheap. Just listening to the Primerica pitch told me something was wrong: you get yourself out of debt by borrowing money from Primerica? You are not either comprehending or you are ignoring it. But I have already proved you pay more have less. So you deserve to stay a salesperson and continue to be as good as your last sell for the rest of your life. In our opinion, life insurance buyers are better off working with a full-time life insurance agent who is familiar with a range of products and companies. Or do you want an agent that lives near you to help you. But you keep going to the price. Looking at how many are being indited along with closing down, I would say none. You can argue about commissions and better values in other products or companies but the fact that I see day-to-day with the people I deal with is that they are not purchasing these products from anyone. I know you might not understand this but some people are willing to pay for service. Furthermore, the timing of the best efforts obligation could result in the statute of limitations barring certain claims possessed by such institutional investors if they postpone action until after December 31, 2009. But then again you are the same sly person. But when I chatted with my Agent about these an other products I was interested in, he said read about these policies on the internet, the Wall street journal, and other Professional Publications that talk about money. But then again I keep bringing up a Yugo and a BMW. But then again, I can only bet you are directly related to Bubba, Michael , or James. And that was one little heirarchy. 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