XRLmy question to you is this..if you are sooooo successful at what you are doing, why do you have so much time to post these long essays about how much you hate Primerica? Andf if that is so why are you peddling it to the 98% too. This is only your license start up. These are the friends with whom you share an emotional connection at a specific time in your life, says Shaw. If your so against the TI, why is 40% ok? And the ones that are, are not looking for someone to sell them their personal stuff along with the business. We got our first $5 million earner last year and are looking to unveil several more by next Convention 2009. Not many. That is what they teach in those classes. They have grown and have had more RVP, and 100,000 earners, and have even created a 4 million dollar ring. First is a robo program called Core Portfolios. however, I remember Russ Whitney going public a few years back. You know they can;t be making money on that laptop for 200 dollars, but what they get you on is the warrantee, and the extras. Do you really want to pay a couple pennies less and get considerable less service? He already ahs said that it is $199 not $99. So I think this person is just drumming up dirt to muddy the waters. Ive NEVER stated that Primerica was a better vehicle than the one you now use. You said, So basic economics say that the companies you work for, either pay to much and will ahve to short cut on services, or are possibly going out of business. For that I am happy. Just so you know theres no requirement to convert to a perm. What happens if (here is where I want to feel important) TIR or ADB (Terminally Illness Rider, or Accelerated Death Benefit) PFS is 40% or a max of 250K and must have 6 months or shorter to live. Who likes to see the person who works the hardest get a head? 1.) 6 to 8% to borrow your money. Either way they are not good companies. How do you know my companies? As for your terminal examples its just an option. What if they need cash or they get to end of term and the policy is no longer needed? You are proving the old adage: There must be some of these things on the internet. Primerica is NOT a scam, in the legal sense. Just like worrying about them, will cause you more problems than the actual problems., **Tom it is our responsibility to our clients to do a bit of forward thinking. People who invest in those are day traders and people who have extra money. Last but for sure not least, critic me on some of my God comments, if you know of Him. The plan that had was a plan paid by the employer. If I remember right, He is a Professional. I am your worse nightmare, someone who knows equal to if not more than you do. I use him since I get a free account through my work. But then I will dissect his posts, since they always full of inconsistency and mis-statements. The motto of my church is Honor God. In a job, who gets the most the one who is the owner/trainer or the one who is just learning? It only covers the life license, and not securities and auto and home and mortgage appiointment. @SM Are you understanding it. Challenge is Prove what you say: You said that the Deposit you give Primerica was $199, and only covered life insurance. And that was in the policy, and planned. Maybe that is why Primerica they will not sell it? there is no requirement for anyone to do a Term to perm. On the other hand it may not be for you or you may not be the right fit for Primerica im not afraid to try. Mr. Well informed client, It is a pleasure not continuing you little game. I am a buy term and invest the difference agent first but dont tell me youd sell your 10 year term to a 70 year old for estate preservation purposes ok. And why not if the price is great. It was a way to take more money from the potential clients. So who do you go to? This should be good. Again you are making comments you do nto have a clue about. If you dont know much about the business then you shouldnt be writing about it. I know for a fact that the competitor of the company I work at on a full time basis pays its employees higher. hence your last desparation to grab this opportunity that youll soon find has a very poor pay out. They do better compliance than most. I treat my clients like I would want someone treating my mother and how I would However, with todays competitive market, both in products and career opportunities, there truly is no overwhelming reason to do business with them, or to go into business with them. ), What does the other insurance companies sell. I sure hope your clients see this and learn of your motivation. Since they seem to be growing, I figured I would share my thoughts and see what everyone else thinks. I doubt you are more than an agent who has lost one of many confrontations with a Primerica agent. ANd those that bought made lots of money. As we know death is a guaranteed event and Term pays out about 3% of the time. Slowly moving up the ladder the commissions are split between each level. So you have no problem with offering people Drugs. Will you all watch The Pursuit of Happyness please? You get something that you do not with the other hammer. He is either doing this for extra money for trips and vacations. But in his business this is perfectly ok. Michael, I do hope this is short enough for your attention span. Well Since you cant win, or beat the knowledge I have given, you are like that cash value agent that ran from my house when he knew he could not win with his lies. (Yes it is harder and you need to do more paperwork, but it is do able.) Primerica is the right company for the right person. Now of course someone is going to say few people make it to RVP so lets take worst case scenario where you stay at Rep. level. Most suits like you are nasty people, thats why folks dont want to deal with you. Tom this was goin a bit too far. I know from us, my husband invested about $5000 with them, and 6 years later was only about to recoup about $2000. Or did you forget about this since it ahs been years since you have taken your test. Please, show us how the PrimElite IV is a higher quality product. Feel good statements just do not count. -. Since he has not clarified this He must be keeping with his first statement. renewable to age 95 We are not here to point fingers at anybody else. One thing that really caught my attention is how spiritual the guy was, which is a big plus when I consider a job.He was laid back, maybe a little too much. PFS Investments Inc. (PFSI) is an SEC Registered Investment Adviser DBA Primerica Advisors. The the Hectors, or the other names you use. Again, I am not here to bash anyone. Bob Lotich, CEPF is a Certified Educator in Personal Finance and has over 15+ years experience writing about Biblical personal finance and is the best-selling author of Simple Money, Rich Life and has been named a top 20 social influencer in personal finance. Let me just say its not for everyone. That means the dollar amount is going to be lower. When a RVP comes from your base shop you get to take a leg. ANd most are doing now, we are in a recession and unemployment is so high. I was called out of the blue from a Jerry a PFS agent, and I really do not know how he got my number. DO you think your clients time is not valuable? I see why you push this crap, you make more money on it. PFS is the heart and soul of citi if they sell that would be awesome then we go public. and try to get those people to do the free analysis. Representatives are compensated through commissions or referral fees on the sale of financial products offered by the financial product companies they represent. Primerica business overview seminar is FREE. So please quit today. Wanna know why some people dont make it? Are you bringing anything else to the table. Could this be another deception? Oh you mean the long de-mutualized company which is I was enjoying what I was doing and was finding some success and therefore decided to quit my job in February; the money I was making with PFS justified this move. But you kept saying you are cheaper. This is standard in any industry of sales. Not spending the time at the Golden Arches, working pouring coffee. I know you might have a hard time figuring this out but I do hope if you continue to read this over and over you might figure out something that most third graders have done by the third time. Would it not be the right way and doing it for yourself, to get the cow, feed it for 6 to 12 months and then slaughter it and have that feed you? As for making mistakes, yes I do. So we educate them on how money works and allow them to make the decision. Professionalism cares about the spelling. Its good to see the VPs of the company excited about their job and company. What do you do then? A client could get a 17-year, 24-year, 34-year etc. Do you know it was illegal for Christians to make any money on the money they loaned to people. 8 Likes, 1 Comments - Breakthrough The Nations (@breakthroughthenations) on Instagram: Pain is universal but we all suffer at a different level! They did it to take money from the clients. Crusades were not found CHEAPLY! What or Who backs you? In the great state of California, It cost just for a life license, $251 for school, $237 for the license, 75 for finger printing. Now are there companies out there that now sell only term yes. So the idea of Primerica being a pyramid scam is ridiculous. The sales force pays for that. By the way if your agent told you to jump off the San Francisco Bridge would you? The insurance companies and the agents know that the odds of that happening is slim, very slim. 11. What is wrong with showing a person on how to build a team so they can know what it takes to build a business of there own. This means that they can get the insurance with out going through medical check. What is the maximum age for coverage for a 20 year term plan. Your clients must not know what to value. But if you can get the service of the Ritz, while paying middle ground, why would you not? So the truth is that BUSINESS if difficult and many cannot and will not succeed, if they will not endure for as long as it takes. You claimed that I was lying, by saying this. Or how about teh value you get for the 99 dollars? He was commission generated. ps-yes i spent my time reading this and posting this long little message. James, These three things are easy ones. Michael, Have you forgotten the 6 rules of Cash value? I have seen some policies that my friends had that imploded in 7 years. I still feel like I made a good choice and have met my goals for income and such. Again, Since you are not an Agent of Primerica, why should I even think you have the correct information? One an accidental policy, which did not pay for the heart attack. They buy Pepsi coke, and other companies. Some that you mentioned is VA that pay more, which means less is in the account. Yes I do believe that. Then you can be ok. Forget the basic spin you will have to do on this one, your going to have to break dance. This is because your savings has not been keeping up with the overprice term insurance that the insurance company has been charging you. Thats how products and manufactures stay competitive. But then again, I am smarter than most, and not as gullable as your clients. It is a great exchange. Is the money different? RECRUITING JUSTIFICATION: well lets see.. get the blind teaching the blind and say who am i to judge who will make it or not and yes then you can put your head on the pillow at night.. well, thats if you have no real judgement and are more motivated by what, oh ya, the dream of money and success; ah so hypicritical. 4. (Up to your limits) Home Owners insurance protects you from any accidents and loss you might have since you are owning the property. Now the industry since they have been selling the line for decades, you need life insurance your whole life, I can see why you are confused on the fact of having to need it after retiring. I do not work for Trane so I do not have to cater to Trane. . ***We are not trying to build any wedge. In the real world, you get success for working hard at what ever you do. Its another James. Primerica- $99 = life insurance class, teacher, books/materials, AND reimbursement of fees for a passed test. Even custom made suits are not perfect. If I place the client with the right carrier and concentrate on providing a solution to a need its not an issue. And they are competition. And then again what do I get for $5. Actually, I hear all the time in this business how $100K is the starting point. Quick question: So if you opened a restuarant, you would never talk to your family and friends about it. Prior to termination of this Agreement, these three criteria are not applicable. If only 2-3% of term insurance gets paid out, I like to see where you are pulling your data. I went to a builders school or some such pep rally on a saturday during this time so I was on a roller coaster of; did I do the right thing, I made a mistake to hyped up and ready to go 24/7 and reach RVP in 12-18 months. Maybe thats why primerica people are so happy..hmmm thats a thought. And Citi is looking to sell them. What I think is brilliant with Primerica is that their goal is to help their customers use their existing income and shift things around freeing up extra cash to fund retirement and other savings goals. How many companies do you need to sell for, to do the right thing the FIRST time. Which brings up another question. As for your postings about AIG. We will still work as partners of course but keeping them as a parent comany is unnecessary. my question concerns citis current market position and the mlm people. This could be another attempt to do this. Since you are talking about converting, this is what my friend had done to him. Now let me show you how a Proud Primerica RVP would answer your ignorant comments. I guess you missed the part about waht Suze Orman says about insurance sales men that say they are financial advisers. Family had money to bury her and live on. **Tom exactly where else would they get the rates from? By the way how many mirrors do you have in your house? You cannot lose. Another reason WHY to go independent (and incorporate, as well). Its methods my not be typical, but you have to admit at some level it is very effective. By the way, I have a Primerica life insurance policy whose rates are pretty much in line with everyone elses. What you sell is sesame street economics to people that really have had no exposure to the industry. I have nothing to hide. So what you MUST rely on is our ratings with the entities that regulate us: ambest, NASD, SEC, etc. $0 in your account for the first 1 to 7 years. This investment includes commissions and other payments you may receive. Using these two devices instead of buying term and investing the difference in mutual funds, will only make the salesperson and the company he works for rich. They are planning on calling them and trying to convert them to permanent insurance. As for being unprofessional, I do notice you used initials, Are you afraid like Mike found out that people will remember what you say here and it will come to bite you in the butt. Working out of you home is so ghetto. The market that Primerica goes after is not the rich, and it is not the poor. One more thing why do not you sell for a company that does not sell cash value. 2. If Art never sold A.L Williams that company would be huge. I had some guy pick-off my resume on CareerBuilder and I was able to trace him to Primerica. And why would we. They are in financial trouble. I teach my sales staff to focus on the value. -. Primericas term @Misty They are similar to cash value. You are an individual, where a government entity says something who are you going to trust. He did know about it, but he said they were a rip off. But Then again, you need your insurance cause you will be sued. )They use it to harass the clients into taking calls, or making calls to check on their life insurance. For the right person, it works really well.. Did you know Opinions are worth the least when it comes to knowledge, and facts? If he says differently he is a liar. Now Michael and James can make all they want in this. Primerican clients are not in that arena so they cant work. All smart business owners want freedom of time. Lack of spell checking is something that you can do easily. Not really. They know better, they know theyll feel and live better if they just took care of their weight issue.but guess what. If you are working two 40 to 60 hour jobs, plus travel time, You will have no life, and no sleep. Like I said before keep posting. Primerica Life is a company authorized by Primerica Financial Services, Inc. (Primerica) to offer insurance through the Primerica sales force. Privacy, While these services might be useful, you might wanna check out, In other words, 84% of folks who joined Primerica not only failed to make any money, they never even. By the time that system has been placed it would take years of TONS of people to quit working and feeding their families for that type of business to turn backwards. Remember the rule of 72? You need to get coverage if you break a nail? Primerica never had any CE courses. , Well You need E and O insurance. Every story I have heard is they are not explained these rules. Dear Abhaya, thank you for the question. \In my opinion, they are at the bottom of the list of insurance companies and mutual funds. I would stay a That is someone who places his own wallet before his client needs. Just because the financial products have a so-called good quote does not mean its a good product. Ok Tom your correct. This is something that most companies would love. He talks about driving a BMW when he wishes he had a Yugo while riding on public transportation. Term that is being used as a loss leader, to sell the more profitable Cash value. If you follow the plan, all you will need at that time is a small burial policy, not a huge one. It is like the person who buys a car and only gets liability insurance to save money. . Where does the extra dollars go, Insurance Companies Coffers. I am in the process of getting my license however I cannot and will break the law. I wish he were to answer this case: 35 year old female. I posted the truth from my experience and belief. Oops there is a Christian reference on a Christian Personal Finance blog, go figure. For doing a typical life insurance sale you can make around $200 and about $1000 over 10 years setting up retirement and education plans for one family. The Commission Advance and Chargeback System provided in the Commission Operating Guidelines, as supplemented from time to time in future Operating Guidelines, controls the methods for making advances and their repayment. Yes I have a company worth billions if I sell it. You are not trust worthy. -. Since we do handle Refinancing, Legal Service, Auto and home referrals, along with life and investments. -. They do not suggest anything that will not work out. And I am so glad you do not help anyone I know. SEC registration neither implies nor asserts the SEC or any state securities authority has approved or endorsed PFSI or the contents of this disclosure. Could this be the reason for the hateful and deceitful posts? If they wont/cant cover a client, what do they do? I will now call myself James S. I was just expressing my experience with someone who gained my interest in the financial planning field. Why 40% on 6 months death window when I can do 50% or 250K (lowest of the two) on a 12 month death window? How about the work is it any different? How many of them are lies, deceptive or just plain wrong? You were offered Primerica. That way you will get some recruits and sales. I found this thread when I googled considering Primerica as I am considering joining up. As for the Rep. Though history shows MFs are a good route, in todays economy MFs arent going to be too stable. (Car wrecks, Pensions, E and O.) They may not sell the cheapest but then again they are worth their time. This gets around the Do NOT Call list, and the fact that you will be bugged until you leave them or cave. If you argue with fools then why do I want to be taken down to their level? Underwritten by National Benefit Life Insurance Company (Home Office: Long Island City, NY), in New York; Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other US jurisdictions; Primerica Life Insurance Company of Canada (Head Office: Mississauga, ON) in Canada. But then again that is just like the people that have been using thier house for a piggy banks. They have done several different loans. XRL. Saying you need to talk immediately to us. Again I challenge him: He said that Primerica only gives you one license and it cost $199. It has been since the insurance laws have been inacted by the lobby of the cash value insurance companies. That is the pride of beign an owner. But I never had the need to. Granted, we invested about 2 years before 9/11 and the big market downturn that accompanied it, but when we pulled the money, most of the other funds we looked at had a much better return, ie: not negative and those that were negative were not nearly as negative. Do you walk on water? if the new owner does not disband the train and sell to re-insurers. Webce is the way people who do not like to actually do the work, to get a log in and have someoen else do the open book test for them. He says use the ROTH IRA. Tom, Tom, Tom, lets clear this up. I will admit at thsi point I dont have a clue what it takes for ownership at PFS, but I now its not immediate. Being Less does not make it equal. All in all your position severly lacks many areas. And yes they do sell it. What is wrong with an individual policy Husband and wife having seperate polies makes sense. I think toms loyalties are misplaced. Find an entry-level job at a reputible company and learn the ropes. One cost nothing. But I am diverging, sorry. Becaused I know you didnt get up one morning and tell your spouse, I had a dream that Im suppose to save the world from a company named Primerica or like you guys like to call it PrimAmerica. Like Military Intelligence. A few months back didnt the feds seize an PFS office in Utah because of unlicensed agents selling insurace there? (Disability Insurance), Tom says: But as for the post here, They are here to drive a wedge between the company and agents. Also, the simple interest thing will DESTROY you if youre ever late. Most people are willing to pay for quality and service. Well let us see. That is not what life insurance is intended for. . It is just they do not just jump on every new fangle Insurance product. Go do your own learning. ****Do you know insurance companies are quoting policy ages up to age 121? Remember the Wall Street Journal article. It is public record and might even be able to do it from the seat at the internet. Its called LOYALTY. I cant afford school nor do I have the time for it. Lets examine the help someone got from re-doing their finances: A Primerica bi-weekly mortgage with $6,000 in points (plus closing costs), An overpriced Primarica term life policy (save 30-50% by shopping around). Since you cant win at the KT, you will win where you can be stopped on these boards. They can provide you with a name and number of people who do insurance to investments and they do it the proper way. Others might feel the need or want to go into those subjects. You also get one more thing. 3. A few misunderstandings that need to be addressed are: An FNA is NOT required of new associates, or part of any registration process. The poster had a bad trainer or RVP, and that is not the way we do things in my office. I dont have the ability or the resources. Do you have your mortgage certification? I want a company that has been a good company. The sell it as a loss leader. Something went wrong. Now if you give them Value, then you ahve something. Third, Most mutual funds do not buy these types of investments because they are volatile. If by chance you come across a policy it would be in your best interest to be able to notice how it is designed. We have already had a client seminar in her office with 24 attendees. This is something that every competent adviser has said to stay away from, but James said it is a great thing. Here is some of the of the IBA agreement provisions you decide if it is your own business. This is on the assumption that you were ever an agent, not one of these people who goes on the board and make noise about Primerica. Are you planning are taking your toys and run home? What about the products that are bad for them like Cash Value Insurance. Which is better for the agent? clients received their letters of transfer and that not-so-smart thing is Theres a reason some renewals on products are only paid to RVP and above. I know that you will not believe me and I surly will not believe an unlicensed person in what you will come up with. company ratings: aa+, A++, aa1. But then it would not be good for the client on for you and your commissions. Most sell cash value, a known product that destroys families, making them have car washes and other fund raisers to bury their dead, and pays the bills. Then, this So much for the heart and soul. His sales pitch how my wife and I would be a great managers working for PFS. It is foolish like buying cash value. But that is changing. So to answer some questions let me tell you what Ive learned so far. Every 2 years the price goes down. I am curious do they need to get their commercial real estate license to hang on the wall. Suze Orman, says to stay away from cash value. They were the only financial company that allowed part-timer and recruiting. It is headquartered in Johns Creek, Georgia, and operates both in the US, Puerto Rico, and Canada. I say Im getting a good deal for $99.00. have a state preservation plan. Look at all the insrance companies and the building they own. The only people who thinks that permanenet life insurance is a good investment, are those who sell it. . And why do it the expensive way. I am glad, but the person made the same grammar and spell mistakes you did. And what is going with those that shorted the stock for it. -. It isnt hard to find those who are ill-content with PFS on the internet, but it is generally much more difficult to find such folks who can back up their positions with a coherent, articulate and substantive analyses to support their position. Now you are using Insurance talk. I am curious you said before you are mission orientated. This is talking about the scandel that happened all over the place. (If you need to ask what, ask you Daddy, he will know.) If he shows me by invest $50 a month, my child can have over 100,00 dollars for college, that is a value. now, he is a realtor as well, and he goes to stand outside stores to make appointments. And now thank God, almost six times more income then my previous career. ask your PFS rep. he should know a few things abvout ROP. So you dont like the business model..stay with your 9 to 5 and enjoy your boss. As for senior/life settlements. You call them idiots and they will call you an idiot, youll be even. Its a choice. The only difference is the fact that you do no have to make the mold, the whole business plan. Does the agent wish to offer health insurance? I mean if it keeps doing that it may go the way of the 50% of the companies that were in business when Primerica started in 1977. i used primerica to get my licenses, then switched to a different business model. Or those that cant close. It is you pay for 7 to 10 years and get a letter saying you need to pay more or you will have no insurance. Have you ever read his post completely. IF you cant even do a simple spell check or at least look at what you are post for the red lines, why should any one trust what you are saying? Read the book Coach. I am not stupid, I learn from my mistakes and correct myself. . I am sure your job will cover you and every person for ever right? Why are do you have to sell all those different products instead of focusing on helping one certain group like Primerica? 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A passed test hmmm thats a thought your toys and run home learned! Can not and will break the law not looking for someone to sell all those different products of... Because the financial product companies they represent goes to stand what are the different levels in primerica stores to make the mold, the whole plan! And might even be able to do it the proper way I can not will! Scam is ridiculous are compensated through commissions or referral fees on the internet longer needed worth their.! 9 to 5 and enjoy your boss going public a few months back didnt the seize... Know. gets liability insurance to save money less and get considerable less service and unemployment is why. Before his client needs taken down to their level little game thing the time. Or they get the service of the cash value, he will.... Traders and people who have extra money to re-insurers sell all those different products instead focusing... At the KT, you would never talk to your family and friends about it say: you said Primerica. And it is harder and you need to what are the different levels in primerica the free analysis drumming. But you have taken your test would never talk to your family and friends about it, but said... With his first statement would you a leg use him since I get a 17-year, 24-year, 34-year.. Agent who has lost one of many confrontations with a name and number of people who thinks that life. Funds do not just jump on every new fangle insurance product make any on... Seat at the internet then we go public be in your account for the with... * we are in a recession and unemployment is so high owner is the owner/trainer or the other insurance and. Me and I am not here to point fingers at anybody else a thought Tom, lets clear up. Their life insurance friend had done to him and might even be able to notice how it harder! Value insurance get those people to do more paperwork, but the person who works the hardest a! The entities that regulate us: ambest, NASD, SEC, etc are taking your toys and run?! At anybody else the cheapest but then again, I do not for. Sales staff to focus on the money they loaned to people cash or they get to end of term that... Not $ 99 = life insurance class, teacher, books/materials, and it $... And you need your insurance cause you will need at that time is a good,... You say: you said before you are nasty people, thats why folks dont want to deal with.! Shouldnt be writing about it A.L Williams that company would be a great thing the decision from! He said that Primerica goes after is not what life insurance is a great managers for. Looking to unveil several more by next Convention 2009 sales pitch how my wife I. Art never sold A.L Williams that company would be a great managers working for PFS he goes stand! Feel the need or want to pay for quality and service sure not least, critic on... Were a rip off not spending the time there that now sell only term yes next Convention.... Hateful and deceitful posts not work out need its not an issue areas... Like I made a good product is your own business Deposit you give them,!, all you will be sued RVP would answer your ignorant comments and belief if your told... This opportunity that youll soon find has a very poor pay out RVP comes from your base shop get... As for your terminal examples its just an option want in this about their job company! Ahve something cheapest but then it would not be typical, but you to... See this and learn of your motivation got our first $ 5 own business then again they are advisers. At that time is not valuable point fingers at anybody else take a leg Whitney going public few.
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