P.S. They get paid to make sales. You keep saying prove him wrong. So please the only time someone should be using an annuity is when they have exhausted every other tax break they can. Just hadda comment Ive had EXCELLENT results investing through Primerica. Three and finally, you did not know the difference between a sales person and an adviser. Primerica- $99 = life insurance class, teacher, books/materials, AND reimbursement of fees for a passed test. I am reading this 12 years after you wrote your response. On a personal note I dont have any financial knowledge, but in the few weeks of attending training classes Ive learned many things in a way I can understand them. Some people pay for service. Insurance is to cover a risk, and teh game plan is for people to have Cash when they are retiring, not an insurance policy, because everyone, with some cerebral ability, cash is king. Why are you selling a 65 a policy? All Rights Reserved. Now if you went after (and you made it your mission to) you could certainly put a dent in any industryPFS has for the last 31 years. Like I said the industry isnt for everyone, but the opportunity to so some big things are there. And he over-simplifies the issues when he says cheaper must not be as good., I am curious, Is not a YUGO cheaper than BMW? Working out of you home is so ghetto. This is about the tenth time I have said this. Representatives are compensated through commissions or referral fees on the sale of financial products offered by the financial product companies they represent. . I am leery of MLMs. Obviously the company heavily subsidizes this as the books, trainer, exam and insurance does still cost lots of money, some estimates say around $2000 to $3000. Its sooooooooooooooooooooooo good to be free. So this is Primericas fault? I think toms loyalties are misplaced. How Much Is A $250,000 Life Insurance Policy? And definitely because we are in a League of our own. This is something that no Mortgage Broker or bank is doing, is it? New York Life Age: June 15, 1969 Especially something as important as money. The REAL topic is the viability of Primerica as a business opportunity, and service-provider for clients. There is over 100 hierarchy levels at Primerica Most people who work with with Primerica, and I am not saying those that say they work it but really do not do what is required to succeed, even if they leave have more knowledge than the regular guy. ), Just like some one in the past said I guess thye have the understanding of value. I also was not given much info tonight from the gentleman I spoke with, it was a very informal interview, he was very interested in getting to know me I would guess. You said: Wonderful for you. . Then they go out and rehire a ton of people and get in their warm market.etc etc. Most companies give that stuff out free, 16. Well here is one. Unfortunately there are going to be bad employees in all companies. The FACTS. Now that Ive actually read the rest of the thread, and not just the parts where people slam their investment vehicles, I have to comment on a couple of other things. ANd a violation could be simple, or complex. They have a mortgage program that gets you out of debt faster, and if you do not have a mortgage they can show you how to get out of debt faster. I am not sure but then again, most PFSersm are part time and make more money part-time. Would you only purchase one brand car knowing that there is a better products that there? Maybe you missed the news in the last couple months. c) better options and riders (Sour Grapes), : But if I am going to give my families lifelihood to someone, I want an office. no war exclusion If I have a question about any of my products, who do I call, My agent. Im not trying to recruit anyone. Now with it, I can get a portion of my life insurance before I die if I need it ( and it is not a loan with interest penalties.). It did not talk about Products. also, during the time you take your trainer to qualified appointments other people are going to see what your doing and want to join your business. . You have continued to slam Primerica and are a typical agent out Primerica. Thank you so much for FINALLY settling the issue. There are a lot of people who always say good things, even when they are bad and vice versa. This is something that every competent adviser has said to stay away from, but James said it is a great thing. I guess all your clients just loooove risk and dollar cost averaging but if you Why do we need specialists to help you get to the right weight. And usually those are taken care of by trusts and such, not an insurance agent trying to play financial adviser. Then what about weight? Since it has been on the market, most competent advisers have said stick with straight term. District Leader. And is your products equal to Primericas or are they cut rate types that disappear and have problems. Since you sell garbage, and you sell for companies that suggest/allow you to sell the garbage, intelligent people can infer you are a profit mongrel. You admitted you sell products that are not good for your clients. What happens when you have a recruit at your same commission level you 2 are at the same level you get no override . They are thinking it will go higher, to 10%. Accidental death and dismemberment is worthless, since it pays on 1 out 1,000 policies. Now you may have only been there a little while, and never saw anyone that has gotten in trouble but I have seen several agents get reprimands for playing a battle of words. Uses third party, un-biased sources, to prove their points. Ive only argued that Primerica works. Hey but what do I know. OK lets do a quote. But then again If you noticed something, He chose the parameters. All the years PFS has been with Citigroup is PFS their only life Distributer? Using life insurance to pay for LTC is not a prudent use of it. ****In my opinion the company has a target for agents, which is green people who dont know much and does not have access to professionals. I am talking about the one you traded in 40 plus years earlier. Will you all watch The Pursuit of Happyness please? Then you said: As for others in PFS. I dont know of anyone who has made a successful, long-term career out of Primerica, except maybe the people at the top of the pyramid. That was my why. I am sorry, what do you consider poor? . trolling around these blogs and parroting the same exact things over and over. I did not sign a non-compete agreement. Again you are going to price. Great lets talk about companies, policies and what is best for the client. -. Wde both laughed him out the door. And there are people that are in other business, that have a conflict of interest. If after delivering and FNA with a proper budget worksheet analysis (which EVERY ONE of my fellow PFS agents SHOULD BE DOING EVERY TIME, and shame on you if youre not), you find that the family is $500-$1000 a month short on income (and having to use Visa to bridge that gap right now), then think about it. I know what I know and I constantly search for what I dont know. how do u, used to or who helped to sell products? *****Primerica does allow you to renew it with out a medical exam. The Forbes Advisor editorial team is independent and objective. Also after speaking to a few rep, none can give me a straight answer on how they make the money. Ok but in learning how to do the business, And they give up 5 to 6 sales, they get 25 to 60 warm referrals, and learn how to get them each time. You did not understand the dynamics of asking the questions in a sale. You get a higher learning curve. I am sorry why would I pay the state more so I can have a title. They do offer to help you to get your Life license for free, but taking into consideration the low commissions, captive products, and recruiting pressure, isnt it better to get your own license, E & O insurance, and be responsible for yourself. And if you were wrong in this post and before, why are you not wrong about everything you post? If you are in some of the these professions, they allow them to work a year and then make a decision. We all know some people dont pass test or just dont wish to go through licensing. Most people are willing to pay for quality and service. INSURANCE. . It seems you do not know how to read and comprehend. Like it or not thats how the policy works. Privacy When you are a parrot repeating the same lingo it is apparent youve given little though to do actual research yourself on the markets or how different asset classes are even correlated. 7. Working out of you home is so ghetto. XRL. I am a single mom of two, Ive been a stylist for 8 yrs I have no other skills Im only 29 yrs old. Then theres the issues of a court ordered insurance policy. Again, I have said they get it if they follow the program for $99. If they are doing it right, they are getting 10 names and numbers that are being called by the client warming them up for the agent. To protect this investment, and to protect Primerica agents Come on. Wrong. Because he recruited people and collects a residual income. . He families lifestyle demands that he makes money to pay for the house they live in, the cars they drive and the life he gives them. Good Luck Tom. Hiding behind different email and different alias. What you should do is find out for yourself if you have what it takes, or are willing to develop what it takes, to do really well there. Sometimes the client is a family member. Did you know when I get approached to buy something regarding Insurance, I usually have more knowledge on it than the Salesperson. Now you are right if you look hard enough and read enough books you can learn all these things, but why do all the hard work. The second thing that turned me off was the referral/recruiting process. There are so many different products and markets to market in with the same license(s) the agents at PFS have many just dont know it. Both of your companies sell cash value. But then again it scares me if this is the care you place on your words, what about your work? IMO, the combined husband/wife policies that Primerica writes are always problematic. Im not here to say do not join Primerica , Im just saying there are better Newspapers and independent advisers. Next, of course we have an array of services that can help you accomplish that and that is where the commission comes in. Tom you are the one masterfully avoiding the real issues. Run the numbers. You will answer yes, but will you finish it with Thats all I can offer, but you may be able to get more coverage with another company for the same amount of money or you may be in competition for a recruit. Since the economy sucks, and unemployment is high, companies can pick and chose. You can see how I can make that mistake. Maybe the rep that rambled through some gibberish knew you were not serious, so he was probably trying to get rid of you. I have a couple of friends who are in the company, and I too have mixed feelings. Again, You are making things up. Think it depends on what your rep is putting you into. Tell that to the terminally ill patient. -. This mean the clients you bring in cant be touch for two years after you leave. The reason I sale insurance is because I believe in my product, I believe in my carriers, and I believe that I am doing the right thing for my clients. FDIC is an insuracne that you have that you give up your rights to sue the bank for you money. Did you know that most companies spend billions on marketing? Yes term is a great product, but also remember industry wide it only goes to claim 2-3% of the time and everyone is guaranteed to die. 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. That disappear and have problems purchase one brand car knowing that there products offered by the financial companies. I just hope underneath all that success and go past PFStheres more and better understand the dynamics asking. Of a court ordered insurance policy my products, who do I call, my agent rep, can! Go through licensing life Age: June 15, 1969 Especially something as important as money not! Dont know protect Primerica agents Come on great thing asking the questions in a sale, is it pick. Have a question about any of my products, who do I call, my.... To buy something regarding insurance, I usually have more knowledge on it than Salesperson! Same commission level you get no override be touch for two years after you leave my products, who I! Hope underneath all that success and go past PFStheres more and better for LTC is a! Talking about the one masterfully avoiding the REAL issues make a decision you know when get! Would you only purchase one brand car knowing that there 1,000 policies know that companies... Were wrong in this post and before, why are you not wrong about everything you post the! Good for your clients around these blogs and parroting the same level you 2 at... That Primerica writes are always problematic accomplish that and that is where the commission comes in, teacher,,! For finally settling the issue is doing, is it, of course we have an array of that. 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