The company is profitable…their agents are not.

The average agent makes less than $900 annually and they are not trained in classical matters o finance at all.

Since there are 100,000+ agents, you’re obviously going to hear about a few agents that aren’t as trained or professional as they should be. Hence all of the negative postings. (Let’s be honest, some negative posts are from their competition too.) But overall, the company is solid, and their concepts are consumer oriented.

Their network marketing structure has worked pretty well, and is a legitimate business opportunity. However, I do feel that since the departure of Art Williams many years ago, the company has since gone soft in it’s competitiveness and has it’s best days behind them. Yes, they are still very profitable; but they are not the powerhouse that the A.L. Williams Agency once was.

Primerica has filed for an IPO, although the date has not been officially announced as of yet. Maybe the IPO will breath some new life into the insurance “Crusade” that they were once known for.

Personally, I’d invest in the IPO.

http://www.youtube.com/watch?v=jZNvaa6Z68c&feature=related

Once I found out I had other choices which could mean more coverage for less or equal money which I could offer my friends and relatives I had to ask myself where was my loyalty.

At claim time how much does a carrier really care about a direct family member? All things being equal which is more important to the family at claim? The amount of the check or the name on the check?

Client first, company second. great quote “”If I couldn’t save you money, give you a better deal I didn’t want your business.” As independents we can just take it to another level..

Secondly You watch wat you saying couz you just trying to paint an ugly picture about this amazing Company Primerica that help my family, all my friends, all my relatives and clients..so dont giv me dat BS! Secondly Your we’re as you claim an RVP..why did you leave..maybe you wer not making enuff money so you quite..to many chargebacks i wonder?? not explaining well and taking your time to educate your clients or yourself about our..as you put it “They make money and they may have good products and education for their clients …’ What an oxymoron comment by adding ” “as a former RVP they are the worst “CULT” ever…” its seem you had your wires cross and you pissed of cuz you couldn’t take advantege of your clients the way you wanted to so you either quite or got terminated for client complaints or 4being non- compliant that why you can online whine and complain on message boards which have no credibility nor solid evidence. Me and my uplines, downlines and sidelines dont have that kinda messed-up business or personal relationship with each other at our offices and training centers…I dont know your office did may yall hated each other ..I cant believe that! haha! What a joke! Neways that s you story as for me, my team , my family and clients we’re completely the opposite and we’re doing AWESUM! So unless you can back up what you are saying. put it into writing and signing it…with your real name by the way..so that the company can pursue you to court MR/MRS Cat tales got your tongue!

I betch my old debating buddies in this blog will respond to my comment …huh wat i waste of time..but I will only respond to you CT!

You just been serve enjoy,
Cheers!

Actually, the only thing I am ashamed of is that I forgot to put 2 “t” at Buffett in my picture! I think it was a good joke, so do a lot of Primerica agents (ask Richard!).

More seriously, I DO help people. SURPRISE! you don’t absolutely HAVE to work for Primerica to help people. Want real examples? Here we go:

#1 Planning solid investment strategies for client so they can retire. Last year, I saved a 73 yr old from losing 40% of his money in oil income trust and he now shows positive return. Another of my client made more than 60K this year and save 6K per year in management fees with the very same investment structure he previously had (I guess you do bond ladder and consider fiscal impact while choosing funds at Primerica? you probably use corporate class fund for non-registered investment as well, right?).

#2 I help many people getting their will done properly with a lawyer and do estate planning in order to save taxes and make sure their estate is distributed according to their will (and laws).

#3 I help young couples to setup their finance, make a budget, learn the basics of investments and buying their first home.

#4 I help company owners with strategies such as the split dollar in order to save a lot of taxes (3% tax rate instead of 33%).

etc, etc, etc,

On my blog, besides the fact of providing useful information, I also entertain and make people laugh in a while. So spend a few more minutes on the blog and forget about my Primerica treads… I’m sure you are going to love it… and realize that I can help people without having to work for Primerica. I actually work for an “EVIL” (as you love to describe them) bank and I can do all of this… impressive, isn’t?

Cheers,

TFB.

Speaking for myself, I help families protect survivors in the event of the unfortunate loss of a family support or other loved one who’s untimely departure would represent a financial burden/risk. I do this with Term insurance that is priced competitively in the market while offering full coverage for the life of the policy and benefits not found in competing brands. I also help individuals and families construct and implement investment grade asset building plans that position the client properly for attaining their financial wealth building goals. These goals could be described by such things as properly funded retirement strategies, college savings plans, home ownership pathways, etc.

Due to an expanding selection of world-class quality financial related services I’m also able to help clients examine their cost/value picture when it comes to their property & casualty coverage needs. I have also helped my clients tame and gain control of their debt management situations. Of course this includes our mortgage banking capabilities in addition to new services coming along that will be very exciting not only for our clients but to the financial services industry as a whole.

By the way- as always the need for what I and PFS do is expanding at a brisk rate. Truly. So, as you might expect I am hiring for the company. Why? Because we need the help. If you don’t like to talk to people about what you do and how you may be able to be of valued assistance to them then I suppose me and my company are not for you. So… I ask, What is it that YOU really do?

Best regards.

Oh that’s from my imagination too :p

Cheers!