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In Reply to: Re: Re: Primerica - Let's Have a REAL discussion posted by Rene Navarro on December 01, 2004 at 15:11:10: : Interesing choice of words surrounding the discussion on Primerica. I, for one, am a District Representative for Primerica, and have both a Bachelor's and Master's Degree from a major university. What I find most interesting about the language used in determining whether Primerica is a scam or a legitimate company is the presumption that one will stike it rick quickly. What happens is that many people misinterpret a possibility as fact. The true nature and success of any business possibility is the extent to which one will commit to the mission of that business. What I have read thus far indicates that some individuals will never see the results of their labor when their commitment is questionable to begin with, and how serious one is about helping people. : Let me give some facts about the so-called legitimate companies that one critic mentioned in his complaint about Primerica. Anyone will agree that New York Life is a reputable company because of their wealth, business history and marketing efforts. This reputable company through one of its agents was at the verge of convincing a close personal acquintance of purchasing a cash value insurance (I refer to all cash value insurances as junk insurance) for $268 per month at a face value death benefit protection of $300,000. To my surprise this family required more coverage, and I ran the numbers to customize their insurance needs with what they could afford. I secured a term life policy at a face value to cover all liablities, assets, college funds, and yes, an income if one of the policy holders were to pass at the true amount of $468,000 in coverage for $78/month. This is a fraction of the cost that New York Life was quoting this family. Legitimate transactions, different results. Who is facilitating the scam in this scenario? : I have done the same for families that have been duped by MetLife, American General, Edward Jones, etc..Simply put, I can go on for days describing my experience and COMMITMENT to what Primerica does. : Yes, the culture of this company is different. You do not see agents at other firms "high fiving" each other. And yes the presentation appear more like an infomercial. I understand how this could be misperceived, but I got past all that. I got to work and I am living proof that I have helped over 35 families in six months get back on track with their finances by educating them on how they can reduce debt, invest in their future and become financially independent. More importantly, I have helped families get out of the insurance scams that these so called legitimate companies have sold to clients that were already strapped financially. By the way, I have not quit my job and Primerica is done on a part time basis. So far my commissions have nearly topped what I make at my regular (secure, huh!) job. : Primerica is a legitimate business for those who want to work and not expect for results to fall on their laps. I was required to take all the same exams that agents at other firms are required to take and the company trains us on business compliance policies and ethical practices. I have not found a reason to question my involvement with Primerica.
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