Subject: Re: Re: Re: Re: Re: Re: Re: Career change

Comments:
: : "While I can appreciate your input, I am not willing to build a downline, sit in the feel good MLM meetings, etc. I would rather sell than recruit. I have yet to see an MLM that focuses on sales first." : : First off, Primerica isnt an MLM. MLMs have two distinct features that Primerica does not have. : : 1) All income is generated via internal consumption (employees paying their uplines directly) : : 2) An MLM could theorhetically be successful by doing absolutely nothing except 100% recruiting. : ***MLM=Multi Level Marketing. Build Wide And Deep sounds like MLM to me. PFS uses a MLM concept. MLM is about distribution of product. : : Neither of those are true at Primerica. If no one actually went out and did financial plans for families and implemented actual business, not a single dollar would be generated. In addition, people who join do not pay their uplines in any way, shape or form. : ***MLM is about having a mass and a few doing most of the production. 3 out of 100 consistently doing business is better than a single person doing business. Uplines (RVP) could be considered compensated by the income from the sale of a product by a downline. : : "It is also my experience, in every MLM I have seen, that their products cost more in order to pay everyone in the upline." : ***Take a look at the Pay out for compensation for the LTC product and call GE and ask them about the usual agent compensation, and don't forget about renewals. The outside the "C" family of products may not cost more, but look at the levels of payout. : Go to www.term4sale and do a search on the 30 year GUARANTEED term product. To see PFS, you have to look at the nonguaranteed products. Look at cost of products from yr.1 thru yr.30. : : Our products are actually quite competitive. Most people don't realize that we bundle a lot of things into our products (they aren't what you'd call "vanilla" products). For example, we have several riders that we issue *standard* on all Term Life policies. So, comparing our Term to another companies "vanilla" term isnt accurate. Add on those same riders on the other companies policy, and its very close. Hey, Wendy's costs more than McDonalds.... : ***Yet People have a choice to go to McD's or BK, : or Checkers, or Big Boy, or whatever. PFS is like standing in front of one burger joint and that's it, while being independent is like driving down the street looking at more choices. : PFS has a disability waiver of premium rider, but what happens if a client also wants a true income disability policy? If that client goes to an independent agent to get that policy, you can bet on a chargeback. : It used to be that for the market PFS serves, something is better than nothing as far as products, but it's a whole different ballgame now. Ask yourself this, if you are terminated or leave, what do you get to take with you for your hard work? Your licenses and what else? : I'm not saying PFS is a good or bad company, i'm just sayng a captive road is a one way road. : Just understand the vehicle your driving.

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