I was at one of their interviews just a couple hours ago. Thank you! Thank God for the info I found out on the inernet. It seems the main issue was the lack of transparency by the Primerica reps when discussing the opportunity and the tactics used to get in front of the prospect. I was also approached at a mall with the same story. Its awful, and it looks awful. These places and factories will make organic as possible, vegan as possible, human friendly medication. Cancelled my appointment with them. I met with her, and liked what I saw. And no, few people over 50 or 60 would renew a term policy as the rates skyrocket exponentially ($500-$800/month). Ive just arrived in America from overseas. Oh well I showed you the PowerPoint and video?? The first inkling of a warning flag went off in my brain. People who invested millions of dollars and doubled their money in 2 years are scam. I was interviewed and he said that there will be second interview by his boss and at the same time their VP. this is wrong! A lot of people here who are unapologetic in their refusal to show up to a meeting they said they would go to after doing research, coming down on agents about ethics. The recruits have to pay $100 for a credit check and training. I reminded her I was not there for a financial health check, but rather for a job pertaining to repairing computers NOT a door-to-door 3rd-party insurance salesman. MLM is: I think this is clear that the guy on the top makes the big bucks. They saw my FB updates about needing a little more income to start some entrepreneurial type things I was interested in. Not going to the interview tomorrow. In fact, given his air of desperation in hard-booking like that, the evidence appeared to point to the contrary. ), I think these Primerica idiots need to get trolled HARD. I also just had the same call and scheduled interview for friday. I stayed through the interview anyways, fully knowing that I was already going to reject the FAKE position they had, but wanted to keep my commitment to the interview,and see for myself what kind of tricks they would verbally try to pull off. Another woman, in her mid to late 20s like me, walked in and was handed the same paperwork I had to fill out. I hope this helps anyone considering Primerica or any MLM company for a career but dont let desperation drive you to a poor career decision. As soon as I saw Primerica I KNEW it was a scam. I agreed to meet with her the next day at 6 pm (again another red flag). http://www.cisro-ocra.com/publications/LLQP%20Provider%20Results%20(Jan-Dec%202014)%20EN.pdf, Anyone who can defend the morality of the scum who works and represents this company is just as bad. Gather the information and make up your own minds. I pasted a smile on my face and said of course, hes expecting you, he just stepped out for a few minutes though inside I was fuming. If you believe the internet only posts the truth, you are dreaming! So glad I ran into this, a man at a store who was very charming said they were looking for employees, I have had a bad feeling about him for about 2 years now and he has called like 3 times since, every time he gives me a little more information, it all seemed very fishy, finally said I would meet up this week but would google them first. Reed Slatkin - $593 million. Now this guy (who knows if he actually works at Primerica) has my SOC. As it turns out, I am a lapsed Catholic and an Atheist, but I still wear a silver communion cross so she may have been taking a stab. Can anyone who is successful in a traditional business start a business for that little of an investment? He noticed, and must have read my mind because he said in an argumentative way, hey, I need something to show for my time too right. Life Code, the real world. I think this is so sad if shes not realizing what she has gotten herself into. Over the weekend my family and I went to the Disney store to get my daughter a present and as I was shopping with my daughter my husband sort of stayed behind with my son, my husband was standing over to the wall when a pair of ladies came over to him and started saying oh how sweet your daugther looks with the princess out fits and how she has 7 kids at home and yada yada, my husband was clearly uncomfortable since he did nothing to start the conversation, he started to walk over my way and they followed him towards me, the older lady asked me if I was working and I said no, im a stay at home mom she seem put off by my answer and then turned to my husband and asked him the same question, to which he answered Yes, Im a plumber she made a coment and dismissed the reply by saying that she had a better opportunity for him to make money. Wondering if it was even actually possible. Eventually he told me that he was not offering me a job, so I was even more puzzled. She told me that someone referred me and thought very highly of me. Long-term care insurance Personal Finance vehiclessuch as mutual funds, managed investments, annuities, and business retirement plans. It was a sales job selling the best cutlery ever but in fact it wasnt. I believe the only way to get ahead in America is by entrepreneurship, MLM and/or Franchise if you can afford it truth be told, if you think about a PYRAMID, you could look at your job as one. There are also barriers of entry ex: background check and licensing. New recruits today have to work much harder than recruits of 10 years ago to be successful and you have to be willing to push right to the limit of your ethical convictions to do it and the lines can get pretty blurred. Tope Trading money for honest goods and services is not a ripoff. And by the way in MLM you dont own a business. You have a contract under which youre permitted to shill for the MLM. He picked up the phone and began to dial but I noticed he pressed *69 first.. what, he was blocking the outgoing #?? They asked me to come back for information session next week. Low-Cost Business Startup Not every business opportunity comes with a low-cost setup like Primerica. Especially one that deals with financial education and asset management. it takes 1 minute to call or text. I think its great that youre considering getting back into the workforce, and its probably a smart idea to start off part time. He asked us over 50 questions, where do you want to move? He has no right to call people that didnt go to college dumb. It is about the education of it all isnt it? She told us that most people in the company are able to make 6-figure incomes, but thats a good thing, since they help people get out of debt and become financially independent. The evening eventually came to an end, and I watched John as he scored 2 new recruits. He told me Primerica can be compare to charles schwartz, and a list of fortune 500 financial companies.Anyway, thanks for saving a hour drive to the interview. thats why Im not going back they called me 3 time to reschedule but I did not pick up the phone. The insurance of Primerica is a company that is only said to scam people, using the method of false information, I have been 7 years with this life insurance and I am trying to cancel it because every year they are raising the price a lot, and tried to cancel and they are collecting my savings that I have in this policy, Last year I sent my cancellation letter and they do not want to cancel my insurance, I will have to ask for help from the government of *******. Easy. I AM a great manager and I have been offered legitimate opportunities in the past, so yes, we exchanged numbers. The hard sales pitch, corporato-cult speak, and grandiose promises are like a jackhammer to my sodden, achey head. I dont NEED this job. Money / Side Gigs. Her husband, a mechanic, got invited to a big fancy house and had dinner there. They pitch like they are one the same level as other insurance companies. Hello Tracey, Her last attempt was to try and sell the financial services to me. I can see her answering it even in the middle of the night to talk me out of cancelling. The business of Primerica Reps is recruiting other reps. My guess, these snakes hack FB profiles and are now on the prowl for new gullible recruits, or this guy probably got hooked into the company and is now using his account to get recruits. They contacted me last week and after the first decline the Recruiter called me back to give more information and requested that I come in for a presentation and make a formed decision after seeing the presentation. What might those be? The stock in Avon has dropped as well, below $10 a share. He called again. I received a call today from a Primerica Representative about a management/ training job. I mustve been approached bc I look like a mark. You knowthat phone call that you set up when youre going on a date so that you have an easy escape if you need it?? wow I was suppose to have a interview with a person from pfs investments . Never going to a meeting after invited and said you would. I have been with Primerica for almost a year. Ever since I graduated my undergrad Ive gotten random phone calls from shady looking companies that I never applied to. They asked about my work situation and I told them that I got a job a few months ago. A pyramid scheme is a business structure that pays more for recruiting new members or distributors than it does for selling actual product. A person with certain negatives in their background cannot work in the industry. Many years ago, I got a call at work from a Primerica recruiter. I just went to a meeting last night, everything previously written by past people are true. Harrison sounded very legit. Out of curiosity, why not expend the same energy to become successful at something you love and be at the top of YOUR pyramid and opposed to being at the bottom of Primericas? Primeamerica is a legit insurance company. A pyramid scheme is an investment fraud in which new participants' fees are typically used to pay money to existing participants for recruiting new members. I received invite to interview if i clock out, it doesnt matter, they need help. (OK, he didnt really say busy busy busy, but now that I think back that is the impression that he gave me.) The people that I know who were roped in were all pretty dumb with no college education and in a dead end job. And in response to that someone wrote to me the following: Hello Good evening, I work for Financial Services Office. I can feel itll just be a waist of my time and I would rather work for a company with a good reputation. Hadnt I just provided 5 local contacts? Agents make outlandish income claims that consumers can make more than $1,000 weekly in the scheme and earn bonuses of tens of thousands of dollars. And if done ethically, sales is a service so dont mask your phone pitch as helping out people financially. If people have to pay for your help, you are selling. Yes, the company offers legitimate products. Even asking the guy flat-out wouldnt help, he was pretty slick and dodgy at answering direct, factual-type, questions. PFS Investments insights Based on 23 survey responses What people like Supportive environment Clear sense of purpose Time and location flexibility Primerica Financial services Pays really well. They focus heavily on helping the middle class with financial products. Taller than me by a little, he had slightly bigger hand but no grip. Most of the posters defending also seem very unprofessional and lack a certain level of education. What would that income really be after all expenses, office rents, etc, were deducted? 4.) Only said that his company was part of the stock exchange and made more money than Yahoo -_-. I knew that a job selling insurance wasnt really up my alley, and my intention was to leave the first opportunity I got, but that opportunity came when they asked me to put down $99 for an investment licensing class. Something like, I really dont understand why you felt you had to lie to me initially. We sat, and I patiently listened to his presentation of How to be successful at selling insurance basically. Should I in fact back out? Yes. I immediately sensed that Primerica was a Pyramid Scheme and after taking the 20-hour class, refused to take the exam and e-mailed the woman at Primerica that I was no longer interested in pursuing business with them. Not lying to them about what happened either. I sold Cutco like ten years ago and while I had a fun summer doing it and actually made some decent sales, I would never do it again. Im a server and i waited on this guy and his family. I ended up getting out of it last minute once I found this blog I had to SEARCH HARD to find out that she worked for Primerica, it pretty much boiled down to me searching the address she gave me and finding that its registered to Primerica. Everyone should ask regulators to look onto all unethical part of lies of this legal but totaly unethical recruiting taliban mashine!!!! This site and article is so retarded. The business of real insurance agents is selling insurance. We will see. After reading the warm market info in the above posts, am kind of leary. In public. A couple young men were milling about in 3-piece business suits. I got the appointment with out know the many of the company, when I got there the girl asked to fill out a form with what I wanted as my career how much money I wanted to make ect, If you didnt get the license or actually go on the field then you know nothing. She the. I understand everyone needs to make a buck. Representatives of PFS troll the internet for job seekers, harvesting resumes from job sites. She said that if, following the interview, she liked what she saw, the business opportunity would be discussed further. this is defamation. I read many reviews like this before I started and while I was active. I usually check into these things before setting up appointment or returning calls. Contrary to rumors out there, Primerica is not a pyramid scheme. I get to work on my own hours without having to report to ANYBODY. Thank you for participating. Turns out, surprise, she does the math and she is the same age as my mother and her daughter the same age as me. Sell any and all medications over the world. Great article, thanks for the extensive information. Possibility of excellent income. no phone. Thank you guys. So I was going to take my one and only day off this week and go to an interview only to find out that its a scam of some short. I filled out the basic information and then realized they asked for social security and began to question him. And, how come there stock is listed on the NYSE? Investment Adviser Firm Visit SEC Site. I also heard the leadership bit. 1. transfer job locations to my home time and end up getting paid a little more + be with all my family + be happier. I am not unemployed and actually own my own legitimate business. Mary wants to extend the visit. RUN from anything to do with them. So I got a call from erin at primerica saying she got my resume off of cal jobs. I know of plenty of people who need a job but now I dont think this company is legitimate despite the nice phone call. Those products should be purchased at companies other than Primerica. Be careful and good luck to all other job seekers out there! Of course, I find that it is a scam and a pyramid scheme. I do believe my guy calls with an unknown number. Take up as much of their time as possible, keep them on a string. He never mentioned an upfront fee, but if he does Im done with these. So this person who called said a headhunter has forwarded my resume to him and ask if I would like to work for them. Once again, most people need financial help to get where they want to be. If it sounds too good to be true, mostly it is..Thank you again for posting! Told me hes still interested, to come in today and I said I was too busy and had no time. I kept my head down and fiddled with my phone, then shuffled some papers in a folder, desperately trying to look busy and important. And I was like a job description of what Ill be doing and how the company works. He then had a slide showing the tiers and potential earnings. I got up to follow the man into Johns office but he closed the door. Theres constant turnover from people like me, so recruiting needs to continue indefinitely. Not once did they mention anything about a job until an hour into this interview of them talking about prices for my family. I Started a policy with Primerica in 2018, against my better judgement. I dont. It was a group interview. They had told me they work with middle-class Americans, ones making from 30,000 to 160,000, not people who were making anything over $250,000. Wow i got a callcfrom Primerica and the guy jhon who called made it soumd legit. what kind of car would you like to buy? THANK GODNESS I LISTENED TO MY INTUITION!!!!!! She assured me, as the regional vice president of the Dayton area, she is looking to agressively expand her reach and will be opening up 5 new offices in the next 2 years, so she needs all the help she can get. As someone whos in commission sales- I feel bad for people who fall into companies like this one. I cant stand the fact that losers like yourself cant understand it. The whole thing seemed extremely odd to me that they would be interested in employing someone like myself who has zero experience in this field. They didnt get my credit card info but they have my social security number and my other info. They sold me on it, and even managed to sell me on signing up for their life insurance. I told her the store and began to walk away until she stopped to ask me if I was currently employed. I am sick thinking that I signed something that I didnt read, gave her my social security and address. Its performed nicely and Ive never had any problem with the company from my standpoint as a customer. Then a few weeks later, comes our leadership retreat. You cannot fail if you do the work. How what they do helps people. NOT the other person. Anyway, flash forward to last week, I get a phone call from them. I already work full time. Primerica doesnt look to good to be true. In light of this information, I will be canceling. so I started to get dressed for this interview but something in my mind said look it up on the internet . MLM is not a business: http://www.sequenceinc.com/fraudfiles/2015/03/multi-level-marketing-is-not-a-business-its-a-pyramid-scheme/. The lead asked me for $99 upfront, which I did not have. Rome wasnt built in a day. cattle calls they lie about and call job interviews. So today I had a random phone call and I answered it only to find out it was a woman by the name of Jerica who said that Martha that I had met at my job referred me. What I am saying is that (a) the MLM structure is a legal scam that hurts the distributors/representatives, and (b) Primericas products generally cost more than other similar (or better) products sold through non-MLM companies. I mumbled something about Ill see what I can do said my goodbyes, and bowed out. I seem to have ulterior motives? Its a legit company, but its practices are garbage. The 'Private Investment Club' conference had everything: a host demanding people pay for 'VIP' access, weird pyramid diagrams, "plerking," and a celebrity guest who clearly didn't read the memo. Apparently, his company helped a lot of families who couldnt afford such help otherwise. So, I got up & left to find out who that company was. Ha!!!! This sounded so eerily familiar to Primericas tactics and MO. They want to interview me tomorrow at 1pm. Well! Identify bulldogs in your contact list and recruit them so you can make money off those go-getters and build a strong downline. Good luck to you all on your future endeavors. The activity on this thread keeps the page at the top of Google searches for common phrases related to Primerica. MLMs are legitimate but a prospectus or other similar vehicle should be required for prospective recruits just like a stock or mutual fund offering, identifying exactly what fees are involved and what is specifically required of the representative. Needless to say I found this thread and wont be putting anymore thought or effort into it. Very few people want to do the hard work thats required to succeed. when I asked how they obtained my number they said through a referral. It was odd that the individual wouldnt tell me what the position was and that it wasnt sales. Unfortunately, almost everyone in pyramid schemes lose money. Wow, thank you to all who posted about this company. I decided to see if Id be sucked into doing sales but it wasnt mentionedthough a lot of hinky things were. Im kind of worried they have ALOT of personal information about me. Why keep this guy waiting, wasnt that terribly unprofessional and disrespectful? As the man sat looking around at the various posters and motivational items on the walls I felt that anxiety-induced tension again. I swear it literally looked like an apartment building inside with rooms separated and a dark hallway. They guy even scratched his back while slumped into his chair. I cant believe you even said people should go to the FAKE interview. I looked back to John, who had now moved on to the hard close part of the presentation. I leaned forward and held my breath to try to hear the womans reply through the phone. What should I do? BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Thats an MLM just you stay broke. I was bugged to come to those meetings that were a complete waste of my time. That is why the poor get poorer and the richer who work there ass off get richer! Also, to those who think its a pyramid scam, we are a NYSE company and have an A+ rating with the BBB. I made to RVP , sold alots of policies yes made money but when my comminity questioned 35 year term beeng level term company simply forced me to step down . Why? I dont mean any disrespect to the author of this blog but I wonder if he/she thinks about real estate brokers, is real estate a scam or pyramid scheme as well? I am considering doing Primerica, but I am first doing my due dilligence. It was all a bit creepy and unlike anything I had experienced. Thats the nature of working in several industries overseen by a regulatory body. Well John went into his little script of how he found my resume off of Careerbuilder and thought I had what it took to help the business. not a business John would be furious with me.. Thats why they havent been charged. I therefore come to this upcoming information event with a favorable impression of the companys products. Just googled to know about the company and landed on a right page. Sam The position of trainer really means RECRUITER. During our brief phone chat, she asked if I knew Primerica and I told her that I hadnt. I dont even know if youre someone I want to work with. But then again, I thought ruefully to myself, maybe he was right and I was too soft. I finally ended it telling her Im sorry but no and she said thank you and turned her back on me. Representatives are independent contractors with people working any where from sometime/very part time to very full time. Denise Its sad that youre promoting this scam. They talk about working part time, not having a JOB, sky is the limit, yet deliver on none of those dreams. I advised that I am looking for roles in the IT field, preferably as a deskside technician. I told her I was looking for a salary based job opportunity and if she couldnt offer that, then I was cancelling the interview because her job offer didnt fit my current needs or interest. Three days ago, a pair of women came into my store to purchase some items. Just dont give up! Sigh.. theyre so good at manipulating, or leveraging as they call it.. they create false demand and artificial scarcity all the time. Well, I didnt stick around to find out if it would work or not because I stopped going once me and my mother got a bad feeling about the company. Thank you, I texted her your web blog and stated I WILL NOT BE SHOWING UP. this woman I met about two years ago at my job . Primerica also works with affilitates insurance agencies that deal in home and catr insurance, even selling home security systems. He has not even achieved the top position. I know quite a few very successful business owners who started at the bottom in primerica now earning very incomes and building great businesses with great people and you cant do that working for someone else! Karma. Vanguard, Smith Barney, Fidelity, etc are all good. Each of these new members usually pay an entrance fee, which is used to pay the people above them. He proceeded to tell me that he called his partner about me and said I am great with people and would love for me to join their team if I was open to opportunities. If it was cost-neutral, why bother recruiting in the first place? Shove that $99 fee up your keester. I would not call it a scam, but they are overly persistent and do not take a hint unless you are forceful. Pyramid scheme type set up. As of 7 hours i have been in Primerica, I do understand what everyone is saying about it. Go get a real job and stop preying on innocent people trying to get ahead in life. You can certainly shop around for better than what Primerica offers. They do use a multi-level marketing business model but they are definitely not a pyramid scheme. ONE EVEN SAID THAT PRIMERICA STOLE HIS SS# BANK ACCT AND AND ALL HIS FRIENDS HE REFERRED!!!!!!! I cant thank you enough. She asked if the woman and I interviewing would be interested in receiving our free financial health check as well as a follow-up appointment for the orientation session so I can get out there and start making money. He said he wasnt interested and she stopped him by saying that she wouldnt take no for an answer and proceed to schedule to come over to explain the details of her opportunity, we exchanged numbers and walked away since my husband was annoyed with the lady already, we bolted from the store and went home to google the name that i had seen on her sweater and we came across this post, after reading all of the comments my husband txt the lady to tell her that he was not interested in what she was offering and she responded with like three emails back to back insisting that she come over with her husband to explain to us what they do, since she was so vague at the store. Me too! This business is in a unmarked building near a woods, although that was scary enough I reasearched and found this. - The Anti-MLM Coalition. People should learn to use critical thinking skills before jumping into something like this, as they prey upon your emotions and desperation. MLM is not a company, but a form of generating income. The MLM company has all the power and they just sit there and watch the money roll in while their distributors lose. We have 40,000 new clients each month if you joined and didnt work, youre not one of the people who make money with us! He said no and proceed setting an appointment for me. He looks at me sadly and suspect. The most obvious illustration of this was the outline he drew for me of their organization, a literal pyramid your work will be trying to enlist enough people that you can stop harassing your friends and family, and start luring in random people at department stores to hock insurance for you. Why not. After reading all these comments im convinced now. A lot of people like in this blog are used to trading their time for money, going from one job to another. I wasent sure what to expect, all she told me was to dress proffesional and that was it. Hey every body, i have a guy friend who works at a local health food store, he started telling me about 6 weeks ago about this new business he was recieving training in, he connered me today at the store, and asked if i wanted to sit in on a meeting to see what its all about; well i new something was up when every one was all cheerfull and glad to have me there, i lost count how many people said that to me in the first 20 min, Then came the brief infomercial about the exotic trip you can go on if you just earn enough points, every one kept talking about all the money and free time you can have fro your self, but never once did any say exeactly what you do to actuallu earn any money, oh ya then there was this manditory meeting you have to attend 1200 miles away, and wouldnt you know, they started right with telling every one if you did not make this meeting you simply were not commited, Wow.. Any way after about 45 to 50 min of this i told my friend i was going to leave and research this out online, you have no idea how good it felt to walk out mid presentation, i bet all eyes were on me you what i missed riding my bike tonight because of this.. Dont waiste your time people it is a MLM scam..
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