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Homeowner's insurance is definitely not my area of expertise. :)
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<... |
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| I am realizing now (6 years after opening) that my whole life insurance policy is a bad investment. I notice on the policy there is a cash accumulation value and a cash surrender value. They are ... |
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$$$MAKER | I am looking at working with primerica? |
They say you need 199 to start plus licensing fees. They say you can make 100K in the first year or earlier. They alo say you can recruit people and make a ton of money of of them. They also say you can make over 1K with one customer.
I just want to know if this is a good company they are #1 on forbes mag. and it seems good helping people save money and help them invest looks great. Does this company really help people get out of debt? for cheap |
 |
 
SCH
 |
Primerica is HORRIBLE to work with...the only way to make money is to recruite new people...they have you at Burger King trying to get the fry guy to sign up and pay the $199 to become an employee...
Their insurance is overpriced, they expect you to recruite your friends and family...
How are you supposed to sell insurance when everyone you know is selling the same thing...
I was with them for less than 3 months, when I realized what I had gotten myself into they tried to "promote" me to the next level instead of giving me my money back...I never made a dime and I lost $199!
DON'T DO IT!!!
Their get out of debt scheme works just fine, it is not cheap because they require the person to buy insurance before they will give them the plan. The plan is a simple debt stacking plan that anyone could do with an excel spreadsheet and a calculator...you pay all your extra money on one bill, once that is paid you pay what you were paying on that plus the minimum on the next bill, ect, until you pay off all your debt...this would be as opposed to paying a little more than the minimum on several bills like most people do. |
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Makotto
|
I wouldn't recomend it. Usually jobs that pay 100K a year are not interested in hiring new people, because people will be fighting to get such a job (only 7% of the US population makes more than 100K yearly).
Now I have heard many stories from my clients about Primerica. They usually offer a lot of money, and talk about how big and reputable the company is, but do not really reveal anything else. The ability to get prospects and sales is crutial in surviving in the Life Insurance business and they do not seem to have a good support or marketing strategy. |
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mbrcatz
 |
They help people get out of debt like ANY company does - by offering you a straight commission sales job, and letting you find salesmen to work under you.
You could do the EXACT same thing with Amway, Tupperware, Mary Kay, Premier Jewelry, or any other multi level marketing company.
If you can't sell, you're going to wash out. More than 95% of people who try insurance sales - including with Primerica - wash out. They can't even get 5 sales. One in 50,000 will make $100,000 the first year - if they're willing to cold call and work 80 hour weeks. MOST of the 5% that "make it" the first year, make about $45,000.
It's not a quick fix, that's for sure. |
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Wayne Z
|
They try and recruit everybody and, of course, tell everybody that they can make $100,000 per year.
The truth is that most Primerica reps make much less than that. I read somewhere that the average Primerica rep makes only $10,000 - $12,000 per year full time.
Many people try Primerica. Very few succeed. |
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teatreefriend
 |
Don't do it! They encourage you to make a list of your friends, family and acquaintances. What happens when you talk to them and bottom out your leads?
Go with a bonnified company that will work with you to grow and "achieve your goals" instead of "their goals".
Best of luck! |
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aaron p
 |
Wow, it's good to hear the personal finance people jump in on this. There are generally more competitive companies out there that don't have a cult atmosphere. You have that same potential with any company, but as Mbrcatz pointed out, you also run the same risks.
The number one problem most agents have is sitting down in front of enough people. Make sure there is a game plan in place to solve that problem for you to start out with. |
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