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I was hit by a car sitting on the curb by a 14 year old girl with no license > but her parent have insurance
Additional Details
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helen v | I have a life insurance with primerica can i borrow against it? |
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Primerica Financial Rep.
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Primerica's life policies are term insurance only. Term insurance does not build cash value. This enables the buyer to put their savings somewhere else with no borrowing features involved. After all, would you trust your money with an insurance company, at a bank, or an investment company? Hopefully you answer the bank and/or the investment company.
Primerica Financial Services owns an investment company called PFS Investments Inc. They currently have over $40 billion of assets under management. They also own a life insurance company called Primerica Life, which pays an average of $2 million in death claims per day. |
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Richie Rich
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Primerica policies are term policies. No cash value to borrow against. If you agent, or their upline, was half way decent, you should have a savings plan setup that you can use.
@InsurancePickle Cheaper is not always better. Lead poisoned toys from China that are Cheaper ring a bell.
@ChrisC You may want to do more research. In 77 (or 79) the FCC released an investigation about the life insurance agency regarding cash surrender value policies and how much of a scam it is. Primerica was created by a man who was told the 10k life insurance policy is father had was all they would need. When he passed, his mother was in worse of a situation than before. Later he found out about Term. Term is better than cash value and he decided to take on the industry that screwed his family, and many others, over. The industry does not have a bad name because of Primerica, Primerica was created to write the wrongs of the industry. |
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Insurance Pickle.com
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The others are correct. It's term insurance and expensive term insurance at that. Usually you can find a better plan for about half the price. Take a look here and you'll find dozens of companies that are cheaper...which in turn will decrease your monthly outlay.
http://insurancepickle.com/life-insurance |
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Asset Management
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Primerica is buy term and invest the difference. The whole purpose of it is to start a savings for the customer. There may be cheaper term insurance companies out there...but I have not found one. Deep5223 has your best answer.
Your agent would be able to help you in a couple of ways. One, you should know if you started any savings plan with Primerica? You are entitled to all your savings in Less than three days. If you do not have a savings-depending on how much money you need , your Primerica agent can get you a personal loan. If for some reason you can not locate your agent, I would be glad to help you.
Chris C-You have no idea how much training is really involved at Primerica. |
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deep5223
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Typically Primerica sold term insurance which has no cash value and no loan value. No one here can answer that question. Call your agent or Primerica. |
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Rob C
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primerica only sells term. no cash value, no surrender value. |
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Chris C
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As mentioned by the others Primerica are promoters of the Buy Term and Invest The Rest strategy. Proof that this strategy is not good in all cases.
Term offers no surrender value, no cash value and nothing to borrow from if needed. Sorry to be the bearer of bad news, but chances are you've got term and you can't borrow against it or leverage it or anything like that.
In my opinion, Primerica is one the reason the financial and specifically the insurance industry has such a bad reputation. Taking a mechanic and making him a part-time financial planner is like giving a MacDonald's worker a scalpel and sending them in to do a surgery...there is FAR too much to know to do it part time and far too many different situations to squeeze all into one mold saying term is the only way to go. Go to someone that does it full time and focuses on it. |
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