Subject: Re: Re: Re: Many options for a licensed agent

Comments:
: Enrique, : Here you go again, trying to defend Primerica with statements that are untrue. : On other occassions you have stated: : -Primerica is an MLM : -Primerica has a compensation track record that is unmatched by any other company : -Companies like Merril Lynch wont even talk with you unless you have 200k to invest. : In all three instances I have proven you wrong, and have asked you to research your statements as being factual before posting. : AGAIN, you post incorrect info as fact. : When will you learn? : Below I respond to your post bit by bit : : : I dont recognize 99.9% of the companies on those lists from that link. : >>>>>Are you serious? I recognize MANY from even before I was in the business! I do, and have done business with MANY of these companies, and they have STELLAR reputations. Unlike Primerica, which has a poor reputation in the REAL world of Financial Planning. **Remember Enrique, you work for PRIMERICA, not Citigroup. You do not have the education, credentials, or experience to work for one of Citigroups REAL Financial companies. Try to get a J-O-B with Travelers or Smith Barney....they will laugh at you. So stop talking about Citigroup, that is not you....you are ONLY Primerica. : Are you serious when you say you dont recognize these companies on the list? : AETNA : AFLAC : ALLIANZ : ALLMERICA : ALLSTATE : AMERICAN GENERAL : AMERICAN SKANDIA : CANADA LIFE : CIGNA : EQUITABLE : GE : INTEGRITY : JACKSON NATIONAL : JEFFERSON PILOT : JOHN HANCOCK : KEYPORT : LINCOLN : MANULIFE : METLIFE : MASS MUTUAL : MUTUAL OF OMAHA : NY LIFE : NOTHWESTERN MUTUAL : PACIFIC LIFE : PRUDENTIAL : SAFECO : STATE FARM : SUN AMERICA : TRAVELERS : MONY GROUP : UNUM : VALIC : ZURICH/KEMPER : ?????????????????? : Either you do recognize these companies, and you are lying about it, or you really have no clue about the insurance and investment business. Either way you have no credibility due to a statement like this. : : No one in their right mind would invest real money with any of them. No one invests with no-names. No one. : >>>>>What are you talking about??? : I just showed you over 30 companies that EVERYBODY knows about. And just about all of them have a better reputation in the industry and with consumers than Primerica! You shoulnt invest with no-names, and Smith Barney is not a no-name.....just make sure you invest with Smith Barney, and not with an under-educated Primerica rep. How can you say these companies are no-names??? : : Citigroup, on the other hand, is the largest company on the planet, rated #1 in the Forbes World Super 50. Its stable. Its part of the Dow 30. It has over $1 trillion in assets. Its a name brand people recognize (the little red umbrella). : >>>>>Again, you are PRIMERICA...not CITIGROUP. : You are a Primerica INDEPENDANT CONTRACTOR!! : Why arent you stating numbers from Primerica...wouldnt that be more appropriate? : Are you embarrased about Primerica and their numbers? Use them, and stop relying on Citigroup to give Primerica validity. : Notice that Primerica wasnt on that list, but Travelers was? : Hmmm....food for thought. : : Primerica is the only company in the world that has all 15 attributes of a successful business (according to the book "ABCs of Making Money", page 200) which are as follows: : >>>>>Enrique, are you saying that the ABC book says that Primerica is the only company that has all 15 of these attributes? No it does not. That is how your statement reads, and it is a lie. You only THINK that Primerica is the only company that fulfills these criteria....and it is wrong...just like you said Primerica was not an MLM. : : 1) Sell to the masses : >>>>>True : : 2) Fullfill a fundamental need for many people : >>>>>True : : 3) Be low risk : >>>>>How do you qualify this? By a 100% attrition rate? By the appalingly Low earning average? By the risk of legal and civil action due to you being an Independant Contractor? : By Primerica being able to terminate your employment? By you not owning your business or clients? By being responsible for chargebacks from your downline? By you having no benefits, ie health insurance, 401k)?? : Sounds risky to me to invest time in an endeavor that has so little benefit : : 4) Provide the opportunity for ongoing passive income : >>>>>True : : 5) Require low staff component : >>>>>True. : : 6) Have a stable, growing, long-term demand : >>>>>True. : : 7) Have low overhead costs : >>>>>Dont RVPs have to pay rent for their offices? : : 8) Have lowstartup costs : >>>>>True : : 9) Have a unique quality, making it difficult for competitors to copy : >>>>>Not True. Arent their competitors? HBW? : : 10) Have positive cash-flow and low inventory costs : >>>>>Low inventory yes....positive cash flow??? : LOL. No way. Chargebacks, 100% attrition rate. : ROTFLMAO. How much do you make after taxes? Well, if someone makes 5k a year, I guess it is positive cash flow, but not worth the 1000 hours you put in!!! You make more money doing minimum wage! : : 11) Have high profit margins and rates of return : >>>>>ARe you joking? What is the average earnings for a Primerica rep? High rate of return???? Cmon, you are joking here right? : : 12) Have minimal government regulation : >>>>>Um, Enrique, isnt the insurance and Securities business' some of the most highly regulated industries? I'll save you the trouble....yes they are. : : 13) Be portable : >>>>>Yup. : : 14) Be fun, challenging and satisfying for the business owner : >>>>>Not in my experience. Not in the 100,000 that leave every year. Not in MY RVP's experience (personally trained by the late, great SNSD Joe Ensor, is now waiting tables after 4 years in Primerica, and is financially destitute-- broke after "chasing the dream") With a near 100% attrition rate, how can it be fun and satisfying? : : 15) Provide an opportunity to uncover other money making sources of income. : >>>>>How do you qualify Primerica as satisfying this criteria? : Enrique, save the RAH RAH Primerica crap for the kitchen table, and deal with facts. You like Primerica? Great. Just dont lie to get other people to like it.

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