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Isis | Is Primerica a good company to buy life insurance from? Why or why not? |
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Djukka
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NO they are the Public Storage of insurance |
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Primerica Financial Rep.
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They are a reputable company with an AM Best rating of A+. They are the only company that stands by its philosophy of buy term and invest the difference, while other companies promote life insurance that builds cash value.
Primerica is not just a life insurance company, they are a financial service company. They help families put together a complete financial plan that can help the family reach their financial goals. Primerica's mission is to help families eliminate debt and become financially independent. Majority of families have some sort of debt, from credit cards, to personal loans, to mortgages and most of them don't have a game plan to get out of debt. Primerica has a debt elimination plan that can get the client out of debt sooner and for less money. At the same time, Primerica has an investment plan called mutual funds and IRAs or variable annuities that can help the client build wealth. You can't build wealth by paying premiums into life insurance, no matter what type of life insurance it is. Life insurance is a tool that manage risk against income loss in the event that the breadwinner dies. If you have kids and you provide a large source of income to the family, and something happens to you, how would the family survive financially? Life insurance is a way to replace your income, not a way to build savings. That's why Primerica stands 100% behind its philosophy of "buy term and invest the difference."
Anyway, that's just insight about Primerica. Its your decision on whether to do business with Primerica or some other company. |
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jeffery d
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Yes, Primerica is a great company to properly protect your family from the loss of an income. Primerica is one of the largest term life companies, and as far as I am aware of, the only company that offers term only. Buy term/Invest the difference is one of workings of Primerica's success. Term is cheaper than permanent life insurance. You must invest the difference though. I am currently covered for $350,000 and I am investing $200/month into a money market account, and investing $400/month into my Roth IRA. When the term is up in 16 years I will have very little or NO debt and a large pile of money. My investment adjust according to my income, which continues to grow. Primerica paid out more than $2,000,000 every day last year on death claims. The prices are slightly higher because they do not convert to permanent life insurance. There normally a reason for something being cheaper. |
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aaron p
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The only licensed agents who will be able to directly answer your question are those who are licensed with Primerica. We are restricted from making specific statements about companies we are not appointed with.
That said, I would check around with other insurance companies as well. I would never personally limit my options to only one company. A little friendly competition usually turns out better for the consumer. |
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mastrsocrates
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I would like to give Kudos to Aaron P for not being a bigot AND following his state law.
Look ,it depends on you and what you want.If you want the cheapest you can find, go to the net, almost no one can compete with the net, me personally i would buy from someone local, someone i can go and see when i have questions. How did you come to know Primerica? do you have a friend who is a Rep? If it is your friend, ask yourself if that friend would defraud you. |
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Hadley
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This depends on how you rate your insurance companies.
You may want to consider their financial strength rating issued by A.M. Best as an indicator of their financial ability to pay their claims.
Also, you can contact the Department of Insurance in your state to inquire about any complaints against their company issued by consumers.
Also, compare their rates against several other life insurance companies in order to find out if you are getting a good deal.
If you can save $15 dollars per month on a 30 year term life insurance policy, that is $5,400 plus the time value of that money saved which you can invest and earn even more on it.
It definitely pays to shop and compare rates and plans for life insurance.
One way to do this is to request free, no obligation quotes online from a life insurance quote provider like Efinancial. They have been providing life insurance quotes online since 2001. You just fill out one form and get up to 12 Instant Quotes from top-rated insurance companies. to request your free quotes visit https://www.efinancial.com/smartquoteefc.aspx?source=389-707
I hope that helps! Bets of luck to you. |
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Scott411
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I would recommend comparing various companies both in terms of pricing and of Financial strength. You can visit a site like selectquote.com to get a pricing comparison and then cross reference the companies financial strength at Ambest.com
This way you at least are making an informed decision and not relying on someone's word. |
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Tom Z
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The term insurance market is a very competitive market. Primerica agents only sell Primerica products. So why would you restrict your self to only one company? Talk to the agent who writes your other insurance. Hopefully that is an independent agent that represents more than one company and can give you several quotes from different companies. Then you can decide if Primerica is the way to go. |
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