 Checking ATM Camera in a 7-11? |
| My brother got his wallet stolen at a party, and he knows who did it, they took out money at a 7-11 down the street, and 7-11 wasnt taping at the time, but the atms themselves have cameras dont they? ... |
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 If I have 20 gold bars, where is the best place to hide them? |
Additional Details
My address is 7902 S. Hamton street, you'll have to figure out the state and ... |
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 If I bought Life insurance for myself today and I died tomorrow, would my family receive the Insurance money? |
| If I bought Life insurance for myself today and I died tomorrow by some freak accident, heart attack or etc., would my beneficiary receive the Insurance money? How does insurance work would I have to ... |
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 Who pays for the home insurance when you let your house? |
I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case.
My friend is gonna let his house to another, so that he ... |
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 Can you collect on a life insurance policy after suicide? |
| A friend just killed himself and I'm wondering if his wife will be able to collect o his poicy. I've heard the insurance copmpany can void a policy in the first 2 years. But he has had his ... |
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 Does anyone know the best way to get health insurance if you are self employed.? |
| I am self employed and never even thought about health insurance. I would be very grateful for some advice on how I can get this started, where to begin or if someone knows of companies that are good ... |
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 Insurance: Huge scam. Agree or Disagree? |
| A friend of mine used to work for an insurance company, so I heard a lot of "things". You HAVE to buy insurance in most cases (car, home, etc) but if any claims are even made, they either ... |
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 My parents bought me whole life insurence, when I was in high school. Should I keep it or cash it in? |
| I am now 32, married, one child. My wife and I recently got term life for 20 years. The whole life policy premium is $81.45 / quarter ($325.80/ yr). Policy is 15 years old and has a cash value of $... |
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 I need to know if i Get Birth Control from my doctor will my dad be able to tell from the insurance? |
I live in Texas and Have Blue Cross and Blue Sheild.
I am wanting to go get on Birth control, But i need to know if it will show up as Birth Control on anything my dad will get from the ... |
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 Lame answers? |
| Do people answer questions with lame answers just to earn point?... |
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 If the car I am driving is uninsured & I get in an accident & I am not at fault are my damages covered? |
| My sister in law came over my home to visit, she was parked behind me and I was going to run out and grab a pizza, I asked her if I could just borrow her car instead of moving it out of the way to ... |
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 Should I buy mortage insurance? |
| I keep getting letters in the mail about it, but what's it all about?... |
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 Should I get additional life insurance, if I have substantial coverage thru employer? |
| I am in my late 20's and have 2 daughters. Thru my employer I have about $1 million group term life insurance policy plus death benefit thru vested pension plan. Should I go ahead and purchase ... |
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 My girlfriend died and I had cosigned a car for her. What is the policy regarding that, do I keep the car? |
| Do I have to continue with the payments? Or can I keep the car with out having to finish paying it off since it was her car and she passed away.... |
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 My laptop was stolen? |
ok I had a $3000 laptop and it was stolen I dont have insurence on it. my question is is there any thing that would cover it so i can get a new one
..... serious answers only ... |
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 If you are on a tight budget, is life insurance really worth it? |
Additional Details
Thank you all your great answers. I have read all your views carefully and am taking them into consideration.
I've decided to put this on vote ... |
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cyndi | Primerica (Scam or Not)? |
I have found good and bad websites. To me it kinda sounds like it's too good to be true. Does any one know if the life insurance they sell is any good or if that is also another scam. |
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Common Sense
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As big as Primamerica is.... they have a terrible reputation. The biggest problem is their selling network & high expenses.
Many investments & poicies are sold inapropriatley......
Try to stick to life insurance companies licenced in New York (some of the best consumer protection laws). Make sure the company is highly rated (if they go out of business... you lose).
In general, Term Policy's are the best for most people. I like the "term certain" the best. We purchased one that was 30 years certain (quaranteed rate and coverage).
There are special reasons to look at other types but remember;
Life Insurance is not (NOT) an investment vehcle. Most people are better off with Term.
Whole Life is the worst with Variable Annuities even worse.
Good luck! |
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Wendy S
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Since I am now retired and no longer an insurance agent (which prohibits saying derogatory things about another insurance company), I would tell anyone I know NOT to work for or do business with this company.
The agents are poorly trained, and most that I met had little experience with insurance. Some of the things I heard that agents told prospects boggled my mind, and they were purportedly singing the tunes that the company told them to sing. I personally know people who lost thousands of dollars by being talked into exchanging a long-standing policy for one that not only didn't perform as well but had limitiations the person could ill afford.
As in any industry, there are good and bad people. IMO if you are looking for a job in this industry go to an established company with a good track record. If you are looking to purchase life insurance go to someone with lots of experience who can help you choose the right type of policy for YOU.
The amount of misinformation out there is mind boggling.
Good luck! |
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The Rabbi
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Primemerica recruits unlicensed people to the business. They will teach you enough to sell your friends and relatives policies and induce them to join the business. No experienced agent would join them. |
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NY1Krr
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The insurance is ok and I think they are owned by CItigroup.
If you want to work with them... dont do it. They hire anyone and most of their employees are idiots in my experience. They tried to recruit me out of college and I told them I wasn't interested. They just kept calling. A good company doesnt need to solicit employees. |
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ricks
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Are you looking to buy insurance from them or to join the group? The insurance is fair to ok. The company itself is a multi level marketing company, meaning that they want you to join them (after you buy insruance from them) and get other people to join in under you. That is how they make money. They will mostly try to sell 10 year term.
I have heard many bad stories about sales tactics & clients not getting what they thought or more than what they bargained for. |
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insuranceguytx
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Your best bet is to talk to several insurance agents about your needs then listen to the advice you get and follow it.
Everyone has different needs and those needs change throughout your life.
Primerica is a legitimate company that offers insurance products. Those products may or may not fit your needs. Other companies offer the same products with different price tags.
The other answer is correct. Primerica wants you to join them and sell their insurance and recruit more people into the Primerica Household.
Go talk to several agents in your area. |
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schflng
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primerica is a warm market mlm.you must go to their life insurance school,then take your test at a state exam board,once you are licensed in your state,then you can earn commissions from each sale you make.you also are licensed to write mortgages.you can then go get your license to sell stocks,and make commissions from that,you are a licensed salesman for them,but you do not get hired,if you get terminated,chances are you will be going to jail because you did something illegal.the opportunity to make a lot of legitimate money selling quality products is there,just remember,it is a warm market business,you will have a lot of fun!!!!!!!!!! |
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AnOrdinaryGuy
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I don't know who they are, but they need to be licensed by a state insurance commission in their home state, and you can call that agency for more information about them. |
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View from a horse
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Primerica is not a scam.
I've been a marketing officer and financial advisor for 34 years. While I would NOT represent or recommend Primerica, they are NOT a scam.
To me they are like a multi-level marketing group, and I don't personally consider their local managers or training folks as very professional. IMO, it's 'do whatever, say whatever, just get the sale and don't leave any $$$ on the table.' I disagree with that, and personally think it's unethical. People deserve individual attention from a full-time professional - just like they would want a full-time doctor or full-time attorney, not a part-timer.
Just my observations over the years. |
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mbrcatz
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Primerica is rated A+ - they are a solid life insurance company to buy from.
Before you buy life insurance, you have to figure out what goal you want it to accomplish for you. Then you select the product that meets your goal - NOT one that gets sold to you.
You can find cheaper insurance out there than Primerica - also from A+ companies. But I think Primerica hires (and fires) more salesmen than anyone else. |
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Ide fixxe
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I don't think Primerica/Citigroup is a scam. However, I expressed interest working for them 2 months ago, but changed my mind, however different recruiters from the same office continue calling me asking if I'm still looking for a job. Commission only! |
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Rob D
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It depends on what you mean by "scam." Primerica is a legitimate company (especially since being acquired by Citicorp) with quality products; but the operation is still a hoaky multilevel marketing ploy.
Granted, they still follow the irresponsible "buy term, invest the difference" model that their founder, A.L. Williams pioneered, but much of the industry has long been on that bandwagon as well. |
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Doing the Right Thing
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Their life insurance is top rated in the insurance industry with an AM Best rating of A+.
They have won the Dalbar Service award for the 4th year in the row. Dalbar, Inc. is a client service rating organization focused on raising the standards of customer satisfaction and quality in the financial services industry. Dalbar develops ratings for mutual funds, life insurance, and so on.
With these ratings, you can conclude that their life insurance is not a scam. If it was, individual states will not let that company do business in their state or give licenses to their agents.
To see news articles about Primerica, go here: http://news.primerica.com/
If go to the ripoffreport website, the owner and editor of that website concludes Primerica is not a ripoff or a scam: http://www.ripoffreport.com/reports/ripoff229393.htm |
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gatorgirl
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It is not a scam. www.ripoffreports.com is a website put together by regular people who do not like the company, so it is just opinions or things that happen to them. That website is not factual. Primeamerica has been around for quiet some time and it is a good company. I actually sat with an associate from there and it seemed like it had a lot of detailed work, but I could see the value. Are you looking for something in the insurance area? |
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