A lot of people on here say Good thing I found this website. Really 99 dollars for a background check and then more money was asked to start and get your license. My friend convinced me to join, asking to partner up with me since he couldnt get through the door. If the job interview is not actually for a job, and is instead for a recruitment scheme, then the person was lied to. Then I looked up Primerica and this lovely blog popped up. Its a good 3 hours of my life that I will never get back. What a joke. No rebuttal, just got off the phone. I just didnt understand.. when they hired me on they told me that referrals would pour in and we never cold call.. in fact the company prohibits it! complete with fake hearty chuckle. We talked a little about appliances and after everything was said and done they left. It all seemed so legit at first and since this was my first interview and Ive been looking for an internship, it seemed perfect. I guess I get to add to the list, I received a missed call, I dont check my messages usually and I typically just google the number and see what comes up and then once something pops up I call or dont call this time nothing came up so I called. Get the BLEEP out my house before I rip our your weave!! Personally I have been in the company for 4 months and I have seen what a scam it is. Grant cardone once said if you dont have haters, your not working hard enough. Wow i got a callcfrom Primerica and the guy jhon who called made it soumd legit. I also just had the same call and scheduled interview for friday. So a woman called kim called and set up an interview with me in a city nearby. She gave me her spill . This office in Tigard,OR reeked of people looking for people with low self esteem. At the time I was desperate for anything that could get me more money. The average individual earnings of their representatives is $5,156 per year. We sell legit insurance, that either you already have, or might need at a price that is same or lower, with same or better customer service. I am a single mother of two kids and I have only been getting one day off from work. She wants me to go but ive been down the MLM road before and after a couple months I knew it wasnt real. With traditional firms (i.e. I was approached by a husband and wife in a Neighborhood WalMart store. There are two levels of people in the business, not infinite levels. She calls the next day and sets up a day and time to meet at an address. Enter your User ID and click Sign On. She got extremely defensive when I called her out on the scheme of things and told me not to just Google them. A former classmate of mine saw my Facebook post that I was looking for part-time work and called me. Life insurance is a service, and just like any other service, someone can come along and provide the same service for less money. Once reading all these reviews I called back my recruiter and asked for more details about the interview and he was vague. What it seems to be is actually a high interest line of credit. Im a 22 year old student working as a sales associate in an Office store when I was ringing up a customer (Kristen Dunn). Its EXACTLY as described. I dont know why i get that feeling when a job has to take more than 30 minutes to explain itself to a group of people, they told us to hold our questions until the end of the presentation. He kept pushing What do I have to lose?? http://www.cisro-ocra.com/publications/LLQP%20Provider%20Results%20(Jan-Dec%202014)%20EN.pdf, Anyone who can defend the morality of the scum who works and represents this company is just as bad. What Primerica does, is after they sign up a new trainer, they get their list of friends, and the new trainer and his upline trainer go down the list of friends and make appts. He said they are looking for people to sell financial products and to recruit and train new employees. So consumers are overpaying, and likely buying the wrong products. Worst case scenario, I figure, its a connection or something. They get lectures about how they can earn as much as 110% depending on production and promotion as Vice President. They WILL continue to call you even after you have said no. There were a few guests, but I kind of nodded and said hi then left them to my much-wiser business mentor so that I not blow it by saying something dumb. Also, to those who think its a pyramid scam, we are a NYSE company and have an A+ rating with the BBB. The guy on the phone was super nice and seemed waaaaay too eager for me to come in, especially since I told him up front that I had no financing background. He said he wasnt interested and she stopped him by saying that she wouldnt take no for an answer and proceed to schedule to come over to explain the details of her opportunity, we exchanged numbers and walked away since my husband was annoyed with the lady already, we bolted from the store and went home to google the name that i had seen on her sweater and we came across this post, after reading all of the comments my husband txt the lady to tell her that he was not interested in what she was offering and she responded with like three emails back to back insisting that she come over with her husband to explain to us what they do, since she was so vague at the store. After reading all of comments, I will not be going. She said that if, following the interview, she liked what she saw, the business opportunity would be discussed further. Everyone was extremely nice. the whole time during this first meeting it was very tense and uncomfortable. But the way I see it, is that why should I care about what other people are saying about this company. I would STAY AWAY from Primerica. In Primerica, the game is recruiting into infinity. And Im sure it is. You should really just target people who dont mind selling this way instead of rounding up a large number of people to attend presentations. I simply dont like scams. Sam The position of trainer really means RECRUITER. And I was like a job description of what Ill be doing and how the company works. The insurance of Primerica is a company that is only said to scam people, using the method of false information, I have been 7 years with this life insurance and I am trying to cancel it because every year they are raising the price a lot, and tried to cancel and they are collecting my savings that I have in this policy, Last year I sent my cancellation letter and they do not want to cancel my insurance, I will have to ask for help from the government of *******. You all have it wrong, you all WANT to see that this is a scam because It looks too good to be true, and it IS, if you have zero work ethic, and refuse to give yourself the opportunity to have a better life by actually applying yourself to something that isnt a 9-5. I think that phone call was probably someone in the office calling him to tell him that he was at an hour and that he could go ahead and wrap it up. Additionally, the MLM structure sucks for the Primerica representatives. MLM is not about work ethic. What agencies would handle this kind of thing? I am considering doing Primerica, but I am first doing my due dilligence. Ive very good internet skills. I love my job. (The clients DONT save money on services as compared to other companies.). When I laughed at her question, she assured me it was because she wanted to know about my credibility, although she failed to explain how where my family lives illuminates anything about my character Clearly, they are looking for people with family/friends to pitch their products to. I can promise you that he wakes up every morning wishing that he could go to work like normal people and not have to deliver that line of BS at the PFS opportunity meeting tonight. Within a couple of hours. http://www.sequenceinc.com/fraudfiles/2015/03/multi-level-marketing-is-not-a-business-its-a-pyramid-scheme/. You wouldn't want to associate yourself with them, especially when fully aware. She also said if I fit for the position I would need to plan on staying longer to go over more information. Primerica IS A PYRAMID. These companies actually have them sell their products. Some of the stories and comments above have been really sad. He vaguely went over how after the financial health check, customers see how their asset/debt ratio looks and how he then will offer them up solutions to get out of debt and start investing towards retirement. At this point, things seemed a bit odd. I have an Accounting degree so I already had a great handle of budgeting but this was really impressive. Notice how the representative not only deceived the job seekers. A huge amount of life insurance agents have their life insurance with Primerica because we sell the best product for the least amount of money and we know how to show you what you are getting so you wont be fooled by a scammer. I arrived at what was clearly a low-cost rental space, with walls covered in transparent attempts at making their company seem legitimate meaningless trophies, pictures of random people posing in groups, etc. Wow I just spent $99 on nothing!!!!!!! He then mentioned that my job was a pyramid, and asked if it would ever be possible to get to the top in my company to which I responded, ABSOLUTELY!!! When I read posts in defense of Primerica they seem like they all read from a script stating the same propaganda (Jonestown immediately comes to mind). Number 1 only matters if you want to turn Primerica into your FULL TIME BUSINESS. A company that tries to recruit through tinder is only going to do what tinder was originally intended for. I dug and dug until I found PFScareers.com which is the new recruit site. I told him I work 3rd shift and that I can try. Ugh. He went on to explain that the company offers free financial health reports to perspective customers and that all they ask in return from the prospects is they offer up a list of 15 local contacts so they can hopefully recover the expense of this complimentary offer. In light of this information, I will be canceling. Told me hes still interested, to come in today and I said I was too busy and had no time. To be honest, I saw a flyer on a corkboard at my university and, as a college student, the struggle is real, so I decided to check it out. A phone call is more personal, and taking down someones number to give to ones own trainer is the model we use. They offer insurance, investments, debt consolidation, and financial advisers. (applied for this position on Craigslistthe number I received the call from was 347-753-3377). He told me to come in for an interview, and, sensing some possible sketchiness, I had my boyfriend come with me in case someone tried to rob me of an organ. When I sat down with the guy, it felt less like an interview and more like a sales pitch like you guys said. No, a regular job is not like MLM. He said that josh said a ton of great things about me and he wanted to interview me for a position. We set up an interview for this Friday at 1:00. Hadnt I just provided 5 local contacts? And thats why I have not fell prey to their scheme of getting people to recruit. If Im not doing something productive Id rather be at home sleeping and spending time with my husband. Should I in fact back out? (Of course, I would also counsel any folks I recruited to the effect that starting with Primerica part-time is the route to avoid disappointment.). You all invite me here to interrogate me about more people just to get mad and be rude to me. Yes, there can be commission only jobs. The Ultimate Road Trip. Check this out: https://www.reddit.com/r/antiMLM/comments/8ctzhz/almost_answered_a_job_scam_they_yelled_at_me_down/. So I went to the interview and when I left feeling like they just tried to sell me something and like they settled for offering me the next phase in the interview process I thought let me do some research. I would advise this company to improve its product and recruiting tactics to avoid getting continued poor publicity. and is refundable but most people dont know that, You can get your own credit check and if not hired, you can get a refund. I was bugged to come to those meetings that were a complete waste of my time. But Ive been coming up with excuses why i cant meet back up with him because things just didnt seem right after i left that 1st meeting. needless to say I got undressed put on my gym clothes and went to the gym . Its entrepreneurial in nature and that needs to be discussed and made clear. - The Anti-MLM Coalition. I received a call today from a lady at Primerica, stating that someone referred me, & she would like for me to come in for an interview on Fridaybut when I asked who the person was that referred me, she couldnt give me a name. I asked her who referred me and she said they interview 30 to 40 people a week and that my name was on a list. insurance MLM firm Primerica is a legitimate and long-established company. Destroyed my friendships with this job. HOPE THIS HELPS Im not trying to drive traffic to Pink Truth. I just had a very recent run-in with a Primerica recruiter. Primerica pushed me over the edge. Remember that Primerica reps have something to gain with whatever they tell you. Please dont contact me again. Ta da. Got a random call for an interview for a job as a trainer that I never applied to. I dont go to unnecessary meetings or bother my warm market because its a legit service. 4.) One speaker, the VP/Owner clearly had been doing this for a while and was all about the potential money that could be earned, though was vague on the details and it seemed to me that anyone with a salary job is a sucker in their eyes. I can feel itll just be a waist of my time and I would rather work for a company with a good reputation. His wife starts asking questions, social security number? Still, barely any information given. No legitimate employer is secretive about the position before you come in for an interview. Financial Educator (Current Employee) - United States - March 12, 2019. . She gave very vague answers, told me her secretary referred me and that she worked for a financial firm looking to hire about 20 people to work as trainers. One of their representatives came up to me as i was walking into Target. As soon as I seen it was a power point presentation I knew money would be involved. Went well. Said that I was really great with people. Thanks everyone for your honesty! I know quite a few very successful business owners who started at the bottom in primerica now earning very incomes and building great businesses with great people and you cant do that working for someone else! (TWO not even 50 years old yet!) Im 21 and just recieved a called from them while at work stepping away from the front desk i answered to a guy who gave brief detail about everything your reading above smh not going! Reading this gave me something to do for a little while this morning and appreciate the honesty. I furrowed my brow thinking I thought he was making those calls for ME.. shouldnt I get credit for those names? She was pleasant and I was willing to pay the $99 up front and take the life insurance exam. They are a scam! remaining 50% of sallys premium go up to my trainer, (again, depending on rank%.) She also had sold Avon at one time too. He went in to the building I was about to go into. If the new guy lists a property himself, your husband wont be getting part of that commission. Wow!! (Thanks to all post-ers). The whole you QUALIFIED to spend time with me thing seems ridiculous to some on the outside, I know. I am really glad I did my home work on this company and thank you to every one for the honest postings I will not be wasting my time with scams. What deity do these two preachers represent? To all you haters and doubters Primerica is NOT a business for sheeple it is a bonafide business opportunity that requires hard work many people cant do it thats why the rewards are so great if you persist! We were all in this rinkadink room, looks like they rented and tried to make it look professional but it looks rushed and had meaningless awards on the walls. Mary arrives and is her same cordial self. Oh well I showed you the PowerPoint and video?? Immediately they sit down and start talking about investing in life insurance for our kids (whom are all under the age of 5, and was around at the time) Talking about prices and growth , im interested, fail! First of all, the company does have physical product within its structure - insurance and financial services around debt-solutions, investments, legal protection, etc. If this company is a scam how is it we just ran the closing bell at the NYSE? Thank you, I had my interview with Primerica roughly two hours ago so ill explain my story while its fresh. He signed on right there because he was impressed with their house. A little bit of time, perhaps? Blah blah blah. It must be weekly, I thought to myself, no way thats monthly? I noticed other people my age, mid-20s, walking into the office fronts around my destination. This is a scheme. It seems the main issue was the lack of transparency by the Primerica reps when discussing the opportunity and the tactics used to get in front of the prospect. As someone whos in commission sales- I feel bad for people who fall into companies like this one. International Association of Better Business Bureaus. He asked if I have ever heard of Prime America (looking at this site at the same time) I said yes, he sounded surprised oh you have Yes I said. The theory is this approach will provide a greater rate of return compared to the paid-up dividends of a whole life policy. What should I do? She asked for my number that way her trainer would contact me to set up an interview. Yes. My friend has her insurance with them. Ive been to interviews and left without a job. People are much savvier now a days and really hate a sneaky recruiting pitch. What should I do? Glad I found this page though so I dont have to waste my time or money. Pyramid scheme organizers may pitch the scheme as a business opportunity such as a multi-level marketing (MLM) program. Primerica Financial Services is a multi-level marketing company that sells life insurance and investments. When I ask again what is the role of being a customer service to the company, all that he is saying was that I will be talking to their clients. MLM is not a business. Im rather candid so I mentioned i was a bit dissatisfied but hey, it pays the bills. So me and my friend were at the store when a guy randomly came up to us to talk about his wifes company. Very very glad I read this. I thought that was weird; if youre going around job recruiting at Target, you should probably have a business card. I got suspicious and ask if this is an mlm company (I dont even know why, well, I know a lot about mlm companies from the past). There have been plenty of examples of businesses that looked legitimate that were not. Primerica is a multi-level marketing company. This sounded so eerily familiar to Primericas tactics and MO. 2.) She really did not go over what the company was about but said we will discuss during the interview and not to worry if I was not experience because they like to teach within the company. tell me what you need and we will basically be pen pals. You need to have a 1) calculator and 2) common sense to realize only the top percentile will make any livable income, in your head you think youre going to get enough sales to make six figures youre not. $99 fee was mentioned. On have other hand, it works and i do get to help people out of debt and stay out of debt. Just got off the phone with one of them, It took me like 5 minutes to realize who they were again. A typical recruiting ploy in Primerica is the job interview. Also, Tracey thank you for your continued service on informing the public about MLM businesses. Peace and blessings to you. Now, I did not get asked to pay anything and was told that Primerica would pay to have me licensed, but I was also told to come back for an open house to learn more about the company. The guy was a fast talker and everything sounded muffled. The man who was telling me about the opportunity was upfront, and I kill myself working two jobs. I told her I dont have friends, so Im just telling her anything so shell drop it but she was so persistent it was ridiculous. Yes, the company offers legitimate products. I read the story that was provided above and a handful of the comments. They kept touting how much of a hard worker I am and how valuable I would be to them. Thank you for the information. And for easy monthly payments of only $25 Im really glad I came here, because they hadnt even gotten around to mentioning the other company fees yet. If someone approaches you with any opportunity of any sort, and they are not willing to divulge the name of the company, then run as fast as you can! I went to the interview to meet Anthony. Those people in Primerica dont know enough about it to investigate, and once they find out the truth, its really hard for them to save face and quit. That fact in itself should be an embarrassment to any organization, requiring immediate action. ), I think these Primerica idiots need to get trolled HARD. Easy. I said that I was exclusively looking for Purchasing/Procurement roles as I was a buyer. I met with him and the regional Vice President yesterday and he took me out to lunch after the meeting. While often legal, taken to the extreme, multi-level marketing becomes a Ponzi scheme. Can I get your number, and maybe we can chat? I say sure, never expecting to hear from her again, and leave her my number. I got a call and they scheduled an interview for today without letting me know for what position they are hiring. The only thing that bothers me about Primerica is being captive and not having the flexibility to sell other products. It was a group interview. Aww. I feel dumb. So i said maybe on a follow up meeting i will do the paper work. 2. go back into the reserves, be a military tec. Hilarious response. Its dead quiet, and a woman Ill call Mary comes in, telling me she is waiting for someone she had met there the night before. She has probably picked up by now that I am a liberal, so she starts emphasizing that she is a hippy and a Christian whose God loves everyone. She tells me an incredible story about her mom leading a march for gay rights and getting pelted with eggs and vegetables. You would be an independent contractor, so they dont care what your age or appearance is. It seemed way too good to be true, i was literally thinking to myself If this is real, I can finally afford college. I was being complimented on how I dress, my smile and my energy,( Im a naturally energetic person) they make you feel safe and secure while your there , but right away I was put off when they wanted my bank info. That is a big reason why this company has so much negative publicity online (even on its Wikipedia page!). Does How the Company Works Show a Pyramid Scheme? I make a very nice income for myself with a legitimate business. MLM is: Hope this helps and good luck to those who have gone forth with this and now have regrets and for those who saw the light before it was too late . Apparently these Primerica folk are misusing LinkedIn profiles for their slimy deeds. I then started doing research and stumbled across tons and tons of negatives about Primerica. Down below is a tiny non-referent asterisk that tells us to check their claims against the DISCLAIMER portion of the book. If you have been invited to an interview, I can tell you that someone cared about you. Please look up elizabeth warren cornering the president !!! I called her back a couple days later and she scheduled an interview for this coming Monday. Afterwards I was a little bit unsure Id made the right call I am unemployed, after all, and work is work so I googled Primerica Scam. Then i thought to myself who the hell asks for 25 names off your phone and debit card info in an interview? They offered you the opportunity to make extra money about $200/hour extraas I said, the only reason someone didnt make money in Primerica is because they didnt work. Understanding The Tier-11 Membership Of Primerica Because MLMs are pyramid schemes in which 99%+ are guaranteed to fail. Then after 45 mins he told me to come back. How did she get my information? Just had an interview todayit stated just as everyone elses with a phone call from a lady stating someone gave me your name and advised me you were looking for work and you have a background in administrative work and customer service she said she wanted me for an office manager position. He added that the goal for all individuals is $1 million before retirement. Baffled, I shook my head. I am so tired of these scammers connecting with you and then giving you a sales pitch. He didnt even walk me to the door, shake hands with me, give me a business cardnothing! Cost varies depending on the policy and the applicant's age and health profile. And then, out of nowhere, he mentioned that we would have to pay a $100 deposit to gain our sales license and have to pay $25 per month to maintain that license. It was a sales job selling the best cutlery ever but in fact it wasnt. im so agree i wonder how they got my info. But believe me, when youre lacking in confidence any morsel thrown down from the masters table seems like a feast. At school when were prepping for interviews, recruiters ALWAYS want a resume. They provide 45 - 55% of the first year premium. A pyramid scheme is a fraudulent system of making money based on recruiting an ever-increasing number of "investors." The initial promoters recruit investors, who in turn recruit more investors, and so on. BTW, a presentation is not an interview. All of his uncles work for Primericaeven Uncle Doug!! (OK, he didnt really say busy busy busy, but now that I think back that is the impression that he gave me.) So upset. I got a random call from a guy name nico saying that I was referred to them and they have a job opening and I could scedual a interview for me and that I should come dressed business causal and come on time because he is a busy man. And again, its only gross revenue and doesnt include the costs of doin business theyre all responsible for out of pocket! Result was what I had expected. This is more of my experiences and not really bashing Primerica. The place where we met was super creepy, also. He not once mentioned how or why he chose to contact me. Please advise if any lawyers or regulators read this ! It calls back the last received call. You get paid if you sell, and thats all they care about. Money / Side Gigs. When I enquired further about the details of this opportunity to make extra income as my schedule permits He responded to me telling me that I would be licensed with my state and I would serve as a financial GPS Lol. He agreed, however, I had a bad feeling about him and the conversation we had had and decided not to call him back. He first asked me about past employment, what im going to school for (Chemistry major), my hobbies, etc. I received a call and was told someone left my name and number on his desk. Replied that I was actively seeking a second job opportunity, so without disclosing a last name I wrote down my given name and phone number. Anyone? And now I am here. The whole thing seemed a little off to me. Think Enron, Bernie Madoffs investment scheme, etc. There was literally no way of knowing. He then tried to get my bank account info right after and I just barely made it out of that. Something about more information.. John said, crisply, Im offering an interview, thats the first step in the process. Suck my ass. I ask because Primerica agents and Real Estate agents/brokers are both commission based but people have no problem with being a real estate agent right nor do they have any issues with purchasing homes that will most likely put them in HUGE debt. Thats how I found this site. Were looking for someone to hire and train as a investment advisor for expanding finance department. They give the job seekers very little information about the job (its not a job at all rather it is a position in the MLM pyramid), con them into showing up for an interview, and telling them if they have the right skills, they may be invited to stay for an information session. Kudos, Anthony Pinto, your attitude will make you very successful! Suddenly it occurred to me, who knows what that really means in context. pet friendly houses for rent in louisiana, what to reply when someone shows you middle finger,