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Long story- I will appreciate if you read it-
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know this.
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simplepleasures | Advice on buying life insurance? |
A Primerica/Citibank representative visited with me on yesterday and gave me her spill on buying life insurance. Does anyone have any experience with this comapny? How would you rate their services, are they considered reputable?
Additional Details
Sorry...I'll be more specific. I am a single mother of 1 (8yrs old). |
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mbrcatz
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They're considered a multi-level-marketing insurance outfit. A rated, solid product - but EXPENSIVE if you compare to like kind & quality products from other companies.
My advice: Set the GOAL first, of the insurance. Now you know what you need - go to 2-3 DIFFERENT AGENTS and get quotes from at least 6 different companies.
As long as the carrier is A rated, and the coverage is comparable, and the ENHANCEMENTS are the same, you're pretty safe shopping strictly by price. |
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Jim K
 |
Is it Term of Whole Life? In other words, are you buying it to provide for a spouse or child when you die or are you using it as a forced savings plan, too? We need to know more about your situation. For example, are you single, married, a parent, etc.? In many case, having life insurance doesn't make any sense. |
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hirebookkeeper
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As with anything, compare quotes. You dont need life insurance if you have no one depending on your income. |
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Makotto
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Primerica is a big company. For what I understand their main product is term life insurance. Term life insurance are policies that will give you a benefit for a low payment, but the payments are only guaranteed for a number of years (could be 10, 20, etc; depends on the policy).
When shopping for life insurance it is a good idea to educate yourself a little. The easiest way to do it will be talking to other agents/brokers and listen to their ideas and opinions.
Of course every time you think about insurance, ask for the license number of the person who is offering it to you (they are usually printed on their business cards). Transacting life insurance without a license is illegal, so that is a good way to spot irregularities. |
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Don
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They are as reputable as their agent. Primerica is a multilevel investment company. They are only as good and as reputable as the person you met with. To be on the safe side do a little research yourself to see if things look right. |
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aaron p
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Wow, I've never met an agent who needed to mention their company and their parent company in the same breath. Just do some searching with local brokers or online. You might also want to look at other comments here on Y! about Primerica.
A little friendly competition will breed a better deal for you. |
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