Subject: Re: Re: RE: PFS DO YOU KNOW ANYTHING BETTER?

Comments:
: Primerica sells expensive term insurance first of all in comparison to other highly rated insurance companies. : The approach to estate planning with high net worth individuals is not proper. Permanent policies are needed for beneficial estate planning. Talk to an estate planning attorney about the use of permanent survivorship policies in ILITs. : Agent recruitment and the MLM scheme is not helping the client by attracting agents who don't stay for many years. Other big insurance companies don't push their agents as much on the pyramid recruitment approach. I never feel that sort of pressure from the company I work for. I do my job, take care of my clients and plan to be with my company for at least 20 years(I'm finishing my 5th year now). I shouldn't worry about making money from hiring new agents below me. That's not my job. : Term isn't always the right answer. In many cases it may be, but Primerica's rates are terrible. PFS has a narrow minded approach towards client needs. : The insurance company I work for and many others do not charge Financial Review fees. It is not such a big deal to offer "free" financial needs analysis. That's what most life agents do anyway. I take care of my clients and help them look at/plan their lifetime financial goals. : Talk to agents of other "highly rated" companies that have offices, that stay with companies for years. They will tell you why Primerica agents get a bad rap. It's not the agent's fault for not knowing any better, it's the company's marketing/sales procedures. Primerica's sales techniques causes their agents to use improper and possibly unethical sales approaches. : : : I have been with PFS for only a few months. But I already make more it two or three days, what I was making in three weeks. For the people that have all of these negative views of Primerica: : : Why? What has PFS done to you personally? You should be happy for the various people that are successful rather than envious. PFS goes out to their clients' homes, with their clients best interests at heart. Does your bank or insurance agent come to your home to educate you about your finances? If they do, how much do they charge you to complete a FNA (financial needs analysis)? Check around: AMEX charges $50 minimum the last time I checked. Other places charge $100-$175 for the FNA. PFS charges nothing, & will assist the client with the application process, for [once again] no charge. The agent returns home or their office to input this data. Makes a 3rd trip to the clients home to explain the material [no charge]. Then if the client wishes to invest in our products, we may have to make a 4th trip out their with a fully licensed agent, again at no charge. The client may be able to get a better deal elsewhere. But not everyone is a 'cheapskate' that is looking for the lowest price. Most 'normal' Americans value customer service over price. So after all of you criticizers do all of your research on Primerica [Amway too] please give an honest response to your findings. Then let me know what you discover!!

Please enter the characters in the image above.