Subject: Re: 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. : : Primerica is most certainly a MLM. Granted not all of it's income comes from internal consumption but most comes from new recruits and their warm market. : I am curious, where does most of a Financial salepersons first sales come from? Most salesperson are trained to go to themselves, and their warm market. They do this so that when asked about your program you can answer them honestly. Also if you do not have the program, how can you honestly sell it? : : Heck of a deal for the RVP, he suckers someone into thinking they are going to build a business while he uses their warm market and leaves nothing for the newly licensed person. : This is another misconception. Who here would give up 10 names and numbers to get 50 to 100 names and numbers? Since we train how to get referals, these new associates will trade 10 names for 50 to 100, plus they will learn how to make money and referals. : : They recruit a 100,000+ every year and yet the number of active agents increases by a very small amount. : Wrong, the reason why you are not seeing a huge increase is that since we are mainly a part time army, some people work once a year or twice a year, and some have to take a year off because of their work. But please name a part-time job that can pay you $1000 for 10 hours of work? : : : 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. : : People that join do not pay their upline directly BUT in most offices it is customary for the upline to write the insurance on the new recruit. Therefore, the upline gets the commission. Some offices even insist that the new recruit not write their own business. Don't even mention training reimbursements because 99% of the time they just don't happen. : I am sorry you ahve this misconception, but since it is part of the contract, it is required by law to happen (The $200 is a requirement and failure to pay it, can lead to termination). But let us look at the fact that you said that the uplines requires the recruit to not write his own business. This is a crock. I have had my new associates write their own policy, if they are licensed to do that. I ahve written my own policies and increases. : : : "It is also my experience, in every MLM I have seen, that their products cost more in order to pay everyone in the upline." : : : 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.... : : : : I don't know who told you that Primerica is competitive. When you compare apples to apples they most certainly are not competitive. Other A++ rated companies have exactly the same benefits, riders, etc. for approximately 25% less. Plus the policy itself costs anywhere from 20% to 75% less. (I am not guessing at this I know it to be a fact. I compared actual policies, I did not take my RVP's word.) That's why I left because they make everything sound so good but when I did the research myself it was nothing like what was represented. : : I am sorry but I have done searches on internet and Primerica is cheaper for similar products. I am not talking prefered to standard rates, but standard to standard. Are their cheaper companies, yes, but then those companies will try to convert you to cash value. I had one client called every 6 month by the new agent, trying to convert her to cash value. She finally left them, for the fact that I will not call to try to convert her to cash value. : Also, name an insuracne company that does not charge for a detailed financial needs analysis. An INsuracne company, that will show you how to get out of debt faster, and for free. : An Insurance company that will show you how to save for your kids education so he can afford to go to college.

Please enter the characters in the image above.