I literally only had to take an extra 30 credits one year.
The business opportunity includes the sale of term life insurance, auto and home insurance, mutual funds, variable annuities and pre-paid legal services.
On April 1,Primerica left Citigroup, its former corporate parent company. How Does Primerica Work? Representatives put a strong emphasis on this as opposed to finding their own customers. Reps are then required to take a brief class to become life insurance licensed and are told that their fee will be reimbursed.
They are given a script that will be used to persuade their friends and family to meet up with them and their upline for a presentation to turn them into customers. Primerica representatives are independent contractors that solely get paid minute commissions through the sale of any of these financial products with some of the profits passed up to their upline.
The company employs an tier upside system in which they get a fraction of the commissions from their down1ine down to the 11th level. A False Dream… I have been to their meetings before and they have a way of convincing people that this is the best opportunity ever, that just by making a few sales per day and attaining just a few customers on a part-time basis, within a year or two you could be earning a six figure income and can spend your days playing golf and still be earning money.
But in reality, they stay in business by taking advantage of undereducated and low income people. Not only are their unexceptional products overpriced, but face fierce competition.
They only guarantee level premiums for up to 20 years where other carriers can guarantee up to 35 years. Primerica traces its roots to A. Williams where the main goal was to find the best and cheapest term insurance to replace their whole life policies to invest the money saved.
This is where Primerica fails because they employ captive gents. Just go to sites like term4sale. All of their mutual funds are load funds. Your upline keeps the difference between your contract and theirs.
The agents are taught how to recruit and are not trained properly. Most people would prefer legit brokers with an MBA over buying insurance from friends and family. If you decide to leave Primerica, you will lose all your clients resulting in them banking in on your commissions.
There is a two year non-competition clause if you go independent. My Final Opinion of Primerica The only way you can make a full time income in Primerica is by working hard by building your team and selling people overpriced insurance.
You will earn very low commissions and annual salary that will not be enough to live on.
In the long run, this could put tens or hundreds of thousands of dollars more in your clients pocket. To Your Success, Category: Legal but very unethical and deceptive. From the minute you encounter someone who tries to recruit you with a job interview, you are LIED TO, with a classic bait and switch.
First the job interview is a cattle call with 20 other DUPED hopefuls who think they are getting an office job.
You will work selling life insurance to friends and relatives but only get a tiny percent of the commission, the lifestyle presented by the recruiters is fake. My cousin lived near a couple that were top recruiters. They have a large home where they host recruitment dinners every week. The house is full of tacky, white trash decor with an unfinished backyard.
They try to present an image of success. They held fake charity dinners for nonexistent orphanages in India for poor women from her church and stole the money to use for themselves.There has been a lot of talk, both positive and negative, about joining Market America as a way of making money.
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