Here are my carriers and I am free to add more as I need to. All the years PFS has been with Citigroup is PFS their only life Distributer? At age 70, if you follow the FNA, you will not need insurance except a small burial policy. If you cant see it, then you are blind. I have the ability to offer more than just life products. Please do not confuse me with any other James; this is the only post that I have written. -. As for being a Christian blog, many atrocities have been done in his name. Primerica is for everybody, but everybody is not for Primerica. PFS is the heart and soul of citi if they sell that would be awesome then we go public. I tell my reps all the time that $100K is minimum wage in Primerica. Look at all the insrance companies and the building they own. You agree that this restriction is a fair and reasonable way to help protect the PFSHMIs customer base against unfair competition. Tom says: I am glad you say that, You positions is not for over 98% of the people out there. . by your uplines. Citi does nto pay for offices, staff, or anything else. The REAL topic is the viability of Primerica as a business opportunity, and service-provider for clients. LOL.. Well Trying to understand what you are meaning to say is the only way I can correct your improper thinking. But since the people you are talking about are being handled by lawyers. Here is the question of the day, and it is something you still have not answer. I would not like to choose from only one automobile It might make it easier to read your posts. . He also will teach all the tricks, something most trainers and owners do not. I just hope underneath all that success and go past PFStheres more and better! i hope you realize, truth be toldPFS could have worked for you even without any proper training. Failure. As For cheaters, I do not watch shows that are on that level. I am not sure but then again, most PFSersm are part time and make more money part-time. Whats the difference between being a sales person and an advisor? You need to go read and understand your craft more. Even if it someone who has a plan to help you out. Its not so much the products. Met Life I am wondering if Primerica will be talking to you soon. Primerica never said they were the cheapest, nor do they want to. 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? Its called client LOYALTY! Ask any competent adviser. LOL The first thing they ought to teach members is not to brag about it. Thanks for stopping by it is always good to listen when God has something to say I was just surprised to see that it was on the Primerica post. As for the statement about people who got started in Primerica well Primerica still made money off of our production so its a wash. What opened my eyes to that issue was the book,Who moved My Cheese..I know this is old hat, but it was tough for me to leave Primerica. At least thats what the trainer said. -. If this is an indication of how you run your business, pay for the lower deductible on the E adn O insurance, it will save you money in the long run. because this sounds so much like the pamphlet an agent tried to use to show that Primerica was not what it says it was. I am glad you agree. I am an independent part-time non-captive licensed agent. . As far as the other part of pay yes you do recruit people. Price is only an issue in the absence of Value. As a licensed agent the agent owns their license. Thats how products and manufactures stay competitive. Primerica reps just get the company together to the consumer and the company takes care of any legal or customer issues. You are told you are a bussines owener. Options are great. ***We are not trying to build any wedge. I sell Metlife VA cheaper and ear(earn)substanially more. . Could it be you are lacking the value they deserve. Well Let us see, Company on the Rocks, Company that is being sold since it is an asset to their parent company. renewable to age 95 You remind me of a person that bad mouth Primerica. @Becky Relationships. Tom let me ask you this. This mean the clients you bring in cant be touch for two years after you leave. Their solution ALWAYS involves you taking out a loan with them, or investing your money with them. Because most people are not willing to pay their own price to succeed. P.S. Its funny because we have people in our company with a lower level contract that make more than some people that run an agency. If you want to change whatever you want go ahead. Since then I have attracted FOUR ex-Primerica RVPs, and have 104 Reps. Of which 22 are securities-licensed. You see thats the mirror test or the momma test. You can get help from Primerica. That is guarantee. There are companies that do. Here are some of the products that I offer and some of my carriers. Read the proceeds section of the policy, they never list cash value as a payable benefit because the beneficiary does not get it in the event of the death of the primary covered person. SO he can make money. INSURANCE. If you dont like it/arent good at it, well then you can always go back and get a job, and be just like everyone else. -. He will find out the hard way that the grass is not greener on the other side. NO. Its easy. The thing is the PFS opportunity is sold as helping people and a us against the world concept. I doubt it. 1) E&O is about $1,300 a YEAR (not a month), and covers securities and life insurance producers. (i) The request must be received within 120 days of the date of signing your IBA; The biggest difference between making $100K in PFS vs. as an employeeyou are your own boss here and you call the shots. Please tell me of when buying term and investing the difference is not a good. @Scott There is a reason why PFS or any other company price their products the way they do. Tom says regarding the divorce case: And these are for a set time. 2. So I was just there to investigate and at the end of the night I handed the check over and was so excited. Why do they charge for brochures? This is how the Insurance companies fleeced the middle american family. . I know the truth. With all honesty, recruiting is an option. We were not even asked to buy. People that leave Primerica may get a contract that looks higher, but they are still not getting a Business Opportunity that they can offer the same to others which ultimately gives us the higher contract. The people should no not to use it and they should be able to make the decision. If I have a client who has a family history of health issues, of course im going to bring up the optin of a term conversion at end of term or at a later date if needed. Has followed ethical decisions. And yes they do sell it. Tom have you erver heard of Winflex? We will never claim to be financial planners, but we can teach you about how money works and how to make it work for you. Since you may not understand this, having a net worth and having cash is another thing. He must have some product that he has investigated that he has some great deal on. I did not sign a non-compete agreement. Again you need to read, I am a client with more knowledge than you. We can all do it and if I can save the client $30 a month on life insurance costs then that is an extra $30 I can put away for their retirement. If there was a product they had that was worth our time, we would say so. By the way Custom Advantage is what I have. You keep saying you can find it cheaper. Primerica just was not my cup of tea. If by chance you come across a policy it would be in your best interest to be able to notice how it is designed. this si what He wants them to do so he will have less competition. I am going to approach it as an opportunity to educate people first and then as an opportunity to sell something that will meet their financial needs. Point is sources that have biases is not good. Please do not confuse me with any other James; this is the only post that I have written. Just go make money for you and your family. Im not sure if you know it but companies have reduced their rates in the past 5 years. He had to pay an extra $700-900 to be cremated. Well do you expect it to go down? First you do not know the level of training. Its like a bunch of fat kids thinking that cake is actually healthy for them if they wish it to be true. He has been a full-time writer since 2008 and loves uncovering financial wisdom in the Bible as well as discovering the best tools and strategies to help you put more money in your pocket. I know you are not an adviser for several reasons. I am curious what is the same since you have left? I want to expose all those other criminals selling whole life and giving people their money instead, like it should be. 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. Working from your home reminds me of AMWAY. First May Kay is Cosmetics. They hear from word of mouth. I ahve already covered this in so many posts it seem you either are ignoring it, or not understanding it. If not then it is not an insult. Your small little insults really have no merit since we are talking insurance. Then Primerica came around and everyone attacked them. Since you do not know this, may be you do not anything eles you are posting. Since Citi the parent company has been selling its different departments for lack of a better word, it is now called Citi. I have no quotas to meet. I need as much advice and insight I can get. The comissions are low compared to the company that I have now. The only difference is the fact that you do no have to make the mold, the whole business plan. It took a different turn than what it should have. (Last time I saw it, that was 4 million per family.) SHAME ON YOU!! They were a high school drop out, but now they own their own business and help thousand of people with making it to retirement. You have the odds of 7 times more to get injured before you die. Whole life or any form of cash value is something that was created so that the insurance company can share in the profits of people being afraid of not having money in a depression, or having no money when they retire. They barely paid for the hospital bills. What is the value of that leg? How did I know you would post too? Again these are your opinions. Since you are not an agent have your agent do it. Term4Sale is owned by COMPULIFE Software, Inc. which sells term comparison software to thousands of life agents throughout the U.S. and Canada. Anyone can use it, even someone who does not hold a license. I like my Insurance being handled not by the cheapest but by the most competent. What happens if you are in your sixtys and you get a horrible sickness or diease and you want to keep your coverage and convert your policy to a permenate policy? I have to go to school, have to get a license, have to renew it every year, have to go to training, have to build a market, have to find people who will stick, and finally, have to get good enough to be promoted. Am I the only one who see this? But most people call a sale when are are trying to get someone to buy something. Um, hes not spot onhes one of those smart people i was talking about. This is very not accurate btw. Sicne the training is flawed you will hurt your clients. We are regulated just like any other company and have to pass the same exams. I am here to explain the concept and my opinions. Now if a client made it to end of term and still had a need for coverage wouldnt it be a good consideration to be able to lock in a face amount and premium for Life or Long term? The absence of Value what are the different levels in primerica as much advice and insight I can get fair. Past 5 years need as much advice and insight I can get customer issues craft more of my and! Understanding it talking to you soon 70, if you know it but companies have reduced their rates in past. Brag about it your money with them, or not understanding it less competition about it a. Since then I have now I sell Metlife VA cheaper and ear ( ). 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