Subject: Re: Re: Re: Re: Primerica Debate

Comments:
: "Before you say that PFS sells more insurance (internal consumption) and all the other companies are wrong" : Your point as a whole is good and I understand your view, however, I think it would serve you better not to assume that I would answer your response in a certain way. I certainly do not believe that Primerica is the only company in the industry that has value to customers. Although Primerica's term may not be the cheapest in the industry, it still definately falls under the catagory of "low-cost term". Coupled with an aggressive and non-standard (at least amoung insurance companies) marketing strategy and the ability to offer a wide range of financial services besides just income protection, Primerica is making a profound inpact on the the cash-value life insurance industry. Other companies may sell low cost term, but they don't have the whole package that makes Primerica reach people and appeal. This is what has alot of companies on the defensive. : "I am completely impressed that you were able to obtain a substanial level of financial planning knowledge in just a few months, based solely on the information of just one company." : I'm not sure whether to take this quote for face value or as a piece of sarcasism, so I will just without malace, clarify something. I did not recieve all my knowledge from a single company, Primerica. It is neither smart nor scientific to get all your information from one source. I did quite a bit of personal research and I also have a family friend who is a CPA (not affiliated with Primerica in any way) who I also discussed quite a bit with reguarding Primerica and the validity of the concepts it espoused. : "PFS and other copy cats" : Can you clarify here? Do you mean that Primerica is a copy cat (also), and if so, of what? Or, do you mean simply that certain other companies have copied Primerica (e.g. HBW)? : Thanks for your responses :)

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