When you ask does my product lack value? And I thank GOD you are not my agent. If somehow a cash-value product existed that was cheaper than term for the same face amount, it would be better because the client would get their money back. Sooner or later the counselor runs out of people to hit up and they quit working for Primerica. Two points that most people think is important, especially if I was going to place my families life if I die premature. He taught as a coach. I have been called ignorant, a crook, and other negative things, so who really wins. Then everythign he posts is suspect. It was for almost 3 million dollars. Exactly how is it that you can do better? Primerica held our hands, the other agents were looking for their next commission. Sorry I screwed up. Again You are mistaken but why would that surprise me. First you do not just get your Life, health and disability license for $99. 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. That is an example of why I just pass on what I learned. Since this about OPORTUNITY and not Products, why are you selling here. The opposite of trying to succeed is staying complacent. Since day one, all I was told is know your stuff, take your time and always do whats right for the client. Take care, and thanks again. Lastly, many people who join MLM companies do not make it BIG. But how many 18 years old know people who need life insurance and investments. Since most of the companies that were in business in 1977 are out of business now, and since AIG is having money difficulties, what will happen to my policy if the company becomes defaulted? They talk about many other things. I do not need to insure you. Would you give up 10 people to gain 100, 1000, 10,000? Here are my definitions of a ethical company: One that does not use Term as a loss leader, or a last resort. Tom, I see that you have a lot of anger and I hope you take care of that. In that situation what would be the right thing to do? As for the opportunity, anyone that is bright enough to beat the enormous attrition rate that Primerica has can easily get a job that pays a salary. That can be a small term policy. Ok you can renew with out an exam up until what age? You and Michael are doing great. Level 1 autism is the mildest form of autism, but it is still defined as needing support. I am having people contact me and wanting to compare what I can offer compard to what Primerica can offer them. They are not the only game in town. We are still waiting for some insuarnace companies to pay us 2 years ago. That all they know how to do is sell CHEAP and HiGH commission products to families that trust them until its to late. If they do, and I do not know for sure since each person is different, then they are in the top 2%, correct. It will cost you less and you could say you did it yourself. He is nto the same person that started in Primerica, or he would never needed Primerica. 8. He last 18 months if not longer. I bet you rather pay a little more and get the service you deserve. No Get teh quote right if you are going to steal it from me: Now I am not a rocket scientist, but If I make 2% and pay 8%, I am losing 6% of my money to the company. Think about ityou can re-arrange the deckchairs on the Titanic all you wantthat ships still going down. Michael has asked for comparisons, but no takers. 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. I know how hard it is to retrain someone. I over a 10mth period one has only made about 4-500 dollars. product. however, I remember Russ Whitney going public a few years back. I glad its did not say buy pfs term and invest the difference. The definitions and Part II of your Basic Agreement with Primerica are incorporated by reference into this Agreement and shall have the same effect on this Agreement as if they were actually included in this Agreement. I do not nor do I admit to selling products to clients that are not good for them. But then again you might remember the rule about securities. It can also be protected, so you will not lose any value. But since you have never seen a nice hotel, let alone a 5 star hotel, why would I take your word for it. Ill say it again, not in denial, just want to try it anyway. Why would anyone have such interest in this other than being contracted with Primerica. You recognize that it takes a substantial period of time for Primerica Life to earn a return on its investment in new insurance policies and other products and services. These are the ones that say since you investments have not done well enough, you will need to pay 15 times what you were paying. Data Independence means users and data should not directly interact with each other. Securities offered by PFS Investments Inc. Home Office: 1 Primerica Parkway Duluth, GA 30099. All you need to do is have a need to make extra income. There is a law about twisting, look it up in your state, I know you have access to the web. In addition, Citigroup has agreed to make whole any individual investors, small businesses and charitable organizations that sustained losses on auction-rate securities that they purchased prior to February 11, 2008 and sold after February 11, 2008. Also, the office I work out of have been nothing but first class to me. IN the Real world, you get paid for not doing work but for creating profits. Twisting is when you take one policy and use the money in it to buy another new policy. As for your mission, since you sell guaranteed investments and term insurance that has to be converted if they have that need you are on the mission of the insurance Industry. You know, I had a Mercedes S500 for 9 monthsthat thing was in the shop all the time. If I want to add prepaid legal I just sign up. ________________________________. In fact when we talk about the the other side, the dark side, we say they Sell to Sell which its even worse. But since you seem to think it is funny, and what level do you care? Things change in your life and you need an updated Financial game plan. at PFS. This is value. The problem for me was the mindset I was getting that every other company out in the industry was out to rip off the world and PFS was the only company doing whats right. If you are in sales you will know what that mean. But then goes on to spew supposed information about how Primerica works! It is apparent you need them since you cant even read posts here. Anyone in sales, is usually captive. It only covers the life license, and not securities and auto and home and mortgage appiointment. With out the cold call from Jerry from PFS I would not be where I am at today. Every time i read the list of cons or why primerica is a scam they are almost word-for-word which makes me wonder. The client can choose any length, or any *combination* of term to customize their program. 3. Primerica's main product (term life insurance) is something most people need and actually delivers. The following additional requirements apply: You said: OF COURSE how I feel about PFS is relevant!!! I only said that it works. (Im just fueling the fire), Since you are being obnoxious, why would I spend my valuable time trying to teach you. I dont want to simply do better, I want to do the best possible for my clients and that is why this thought-provoking blog has been so beneficial for me. And anyone can do it if they put there mind, heart, and soul, plus total dedication into doing it. Now if it has to do with money, or other insurances, they like to limit it. If you know of a sneaky agent that lies, cheats, and steals from their clients if you give the state that you live in I will give you the phone number to the DOI and you can do the honorable thing and turn them in. My next task would be to convince the customer why Goodman is the best. At least he claims that. I have learned more about finance and money, working with Primerica, than even some of my graduate friends (PRIOR TO ME RECRUITING THEM . That investment 15 yrs ago has seen my family through: 10 months of unemployment, unexpected house costs and private school tuition for my oldest daughter for the last two years. I only use companies that have GOOD term policies with fully guaranteed premiums, not just the first 20 years like PFS. Primerica is a company that makes people aware by educating them on how financial companies and their products really work, so they dont continue to get taken advantage of. Term is what it is a temporary policy. Or do you believe me me me syndrome? I know that what I am doing is the correct way of doing things and therefore I must only answer for myself. Here are some of the products that I offer and some of my carriers. The poster also should not have been pressured to buy an annuity, or any other product, for that matter. Fax: 470-564-6454 Attn: Cancellations. But then this is an employee mentality, not an Owner. Term is not the same just like Full Coverage is not the same. Level premium and a level death benefit does have cost. Tom get off the loss leader stuff. I mean you are saying to buy cash value insurance. Having some one else pay for the E and O for a starting business is great. walk out with more money and much lower insurance expenses $0. 1. If I wanted to save some money I would buy all of my consumer products from Wal-Mart though I would undoubtedly be sacrificing quality. Since we do handle Refinancing, Legal Service, Auto and home referrals, along with life and investments. I mean, wouldnt someone just be better off to go out and get a part-time job instead to help pay for the tests to get the licenses, then go independent so they could give their customers more options. I believe you can get really big in this company and make alot of money, but you definatley have to work. 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? Thanks you, Melissa. I bet you would. Companies needing to be bailed out. Its called freedom. This si great Micahel. Ide really like to take a look at the FNA you had done, maybe youre confusing it with your boys over at edward jones. Why sould a woman pay the same price as a man? I firmly believe that I can offer a better products and services for my clients. It is making money instead of costing them money. You cant talk about Securities, nor can you talk about annuities other than fixed ones. Ive NEVER stated that Primerica was a better vehicle than the one you now use. He had exhausted all his sick and vacation leave. Or do you buy your house completed, or do you go out find the land, buy the land, cut the timber, shave the planks, make the frame, make the sides and roof, seal it, and then make all the furniture inside it? I do not know them or the reasons, but then again if they know you and follow your leadership, I can see why they failed. How many people build many strong legs? That knocks off 90 to 95% of the companies out there. They are not as good as the Free one, but I will cover this later. Okay I dont like conflict. Every competent adviser tells people to stay away from Cash Value, or Trash Value Life Insurance. If you want to build wealth, you need to stay with a variable. That doesnt make any sense at all. But then you are trying to be a magician. They can always get a HELOC in case times are tough and they cant make the payment. because it helps their businesses and your Primerica business. I have question, do you get paid for doing your position? I bought into it hook line and sinker. Allianz Life Insurance Company of America That is definitely not a team driven position. Company B: $590 anuually Since you are an agent looking in from outside, and usually those agents are here to bash it( NO matter what you say at the end, you are bashing.). In order for your argument to hold water you would have to reduce your premiums nearly 50% on women and 30% to 40% on men and also have guaranteed level premiums beyond 20 years! Since you are not locked in, the client will not know what you are getting in the back end., See this depends. I am sure all banks and mortgage brokers show people how to get out of debt faster. Since you said you offer these worthless products, does that mean you will sell what ever you can make a buck on? Did you arrive at Primerica prepared to go it alone otherwise? I truly hope he has seen the light with AIG. Im not a hater or complainer (im sure my post views me differently lol), as long as you do right by people and its truemore power to you, honest. you know I find it funny that you would complain about a 6,000 closing fee if in the long run you save years and thousands more in the long run. Respectfully, I really dont care what you think. Whatever it is.i dont care because i personally.AM MOTIVATED. 7. But please stay on point. Well Trying to understand what you are meaning to say is the only way I can correct your improper thinking. As an independent contractor why is it a good idea to have to give up a leg(s) to advance to a higher commission level? 8 Likes, 1 Comments - Breakthrough The Nations (@breakthroughthenations) on Instagram: Pain is universal but we all suffer at a different level! gt your mind right and instead of judging you need to get with it before you get fired or downsized! -. If I was you I would be more concerned with the future there. So is placing your money in side your mattress, it is not safe, nor will it grow, but it is an option. -, First, I do laugh at you and your fellow posters. Who likes to see the person who does what he is supposed get a head? So why do they need more outside. Now a days, most people buy the cheapest thing they can get. Apparently I was wrong. Most of the information on the web is outdated, from a past program. Therefore will harass you until you switch from Term to Cash value. Remember the movie The Pacifier? IF a Lie gets told 1000 times it becomes a truth. Or are you going to say that annuities are not more commission than mutual funds? It is what you are. , Now, I am curious, have you noticed what the premiums have been doing over the last 10 years? Me being my own business owner and you called to complain to me, I do not have to take it because just like you saying I do not care about you. They made a choice. They will be eventually closed since they do the same practises. Why not go back to the kiddie pool before you get hurt. If Primerica is just a starting company, then I would 95% join, but now it seems it is top off. To protect this investment, and to protect Primerica agents stake in their own commissions and other payments, it is important for Primerica to preserve its customer base and avoid unfair competition. Now, If someone helped them get to that huge estate, they might keep them around. Banks job is to keep you in debt. You yourself said that if you are good enough you get a salary. James unlike you have experience and knowledge that comes from outside the Investment circles. so what? Huh? It goes to the home office visits for the winners. Since every person I talked to at my last meeting I attended knew how they do it, because they have brought a securities licensed agent with them, watched what happened, and then learned, and knew what happened, I guess you must have been that guy they talked about. They also have someone that is looking over their work. Remember they are sales people and sales people get paid on commission, mostly. So you deserve to stay a salesperson and continue to be as good as your last sell for the rest of your life. Considering your an expert, answer me this. Yes, but to cover every possible loss is absurd. It is also depends on the race too. . Or how about the people who had several policies but had less than 5,000 worth of insurance that they paid hundreds of dollars on and got nothing in exchange? Again that happens in corporate america. Alternatively, Tom himself has admitted that he does not even use his real name. I read Coach, and Sandy Weills book. Sounds like a sales tool to me. Would this part be the invest the difference? This is a legal definition. And you answered: MPT: The reality is these are very unique people and have a drive that most of us dont have. And then they will go after your family. I am so torn in what to think due to the Pro/Con listings I have found on my search on the web. And when they have waited to long to invest and have the money they need, they blame everyone but themselves. I am in a highly regulated field by the state DOI. You follow someone else, or copies it, and this allows you not to make the same mistakes they did. Just know the opportunity.. You may have a point. The use of spell check and instead of using the philosophy buy term and invest the difference maybe try buy term and invest the difference only when it makes sense. We hire people that most people wont. 3. Art Williams proved to you its possibleso I look forward to your own company taking on one of the biggest industries in the world and proving that one man CAN make a differenceone day at a time and a lot of years later. I have seen some giants go out of business in 10 years. Michael knows if he did this stuff across the kitchen table he would be laughed out of house. If so, what would happen if he caught you working on the side? I am not sure where you get your commissions but on term products it is low usually. Whats wrong with using PFS as a stepping stone to the future? But then you do not have any money to live or retire. We talk but then they find out who I work with in Primerica and then they get off the phone. My advise to all here seeking guidance. That is language made up to sell certain products. As others have posted: its EASY to bash anything you never gave your heart into or never had good examples to follow, but I found Primerica to be like churches: not all that make you FEEL GOOD represent the best concerning CHRIST which turn many away, but it is WELL WORTH the effort to seek and find those who keep and practice the motto and mission of THE FOUNDER. Does the agent wish to offer med sups? People Like James, Bubba, Michael, Jenni, etc are usually one person. Did you know that the reason why Primerica has mandated that agents not talk on these boards. Once I opend up my mind and understood that I was my business and not a Primerica employee I was done. If someone can justify the 40% limit because the company is looking out for the client, thats the case some make for Whole life. Most agents do not go looking on these boards and are trained to ignore the post here. Mortgages can vary based on compound and simple interest rates. Recruit massive amounts of people. But then they get the licenses for $99. So, I went and it was unbelievable. Once some time has gone by, they take a looksee whos still work past the point of their warm market and those that arentare fired. Go to the website and look under important disclosers. It is something that Primerica shows families how to get off the Merry go round of debt. Money to live or retire have experience and knowledge that comes from outside the Investment circles following additional apply. It before you get hurt if so, what would happen if caught! He had exhausted all his sick and vacation leave loss leader, or copies it, and soul plus. Could say you did it yourself to convince the customer why Goodman is the mildest form of,. To buy another new policy me and wanting to compare what I can offer them them. Out who I work with in Primerica and then they get the you! 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