This guy isn't actually the VP of Primerica, I think he's just a regional VP of a certain office of Primerica (sounds similar to other MLM where there are various levels within various regions, much like Vector).Sounds funny that they have so much time to interview so many people, it's almost like they're desperate. From past experience, most jobs opportunities are first filled my family members or friends of the respective company, so it really is amazing how they can afford to hand out this many interviews.

Oh... and to the JOKER above - who copies and clicks the link to the Primerica disclosure page which shows average earnings, and then calls this company a "pyramid" and "they just want you to recruit more people..." If you actually took the time to read the link you posted it also shows that Primerica is a publically traded company, regulated by both the American and Canadian governments (respectively), goes through how every individual is an independant contractor... etc etc... try this link on...

http://news.primerica.com/

I was recently referred by a friend to "Primerica" for an "opportunity."  He refused to mention any details and simply said, "Man, you just gotta check it out."  I obliged, considering I'm desperately looking for work this summer to pay for university.  On the drive there,  he gave me minor details, still proclaiming, "Man, you just gotta talk to this guy.  He'll explain everything."  From what I gathered, I figured this "opportunity" revolved around sales; my amusement quickly dissolved.

After waiting about half an hour, I was finally greeted by a "representative", whom I quickly identified as a boorish blockhead.  Our interview (I think that's what it was) began by him flashing all these fancy figures that I could be earn if I chose to join Primerica; uninspired and skeptical, I asked him monotonously, "So, doesn't this job require education?"  He was sharp--like a snake preying on a mouse--and said, "We actually require our representatives to complete a course in finance."  As our "interview" continued he explained why term life insurance was so good and frequently pointed at pictures of fancy digits and dollar signs; essentially I had no idea what was really going on, neither did he tell me what I'd actually be doing.  As he rapped up his uninspiring presentation, he began asking me hypothetical questions like, "How much money would like to make in life?" or "How many hours would you like to work?" and "What kind of luxury car would you like to drive?"--claiming all my dreams would come true if I joined Primerica, as I could work little hours and make a six-figure income (though, unfortunately, none of my dreams revolve around money.)  He then told me that I'd be required to pay $100 to get a finance certificate, and therefore be qualified.  I immediately thought, SCAM.  But no, I wasn't quite right. They do send you to a legitimate place (you can find them on your own) where you can obtain a certificate in finance.

As I had now listened to this guy's explanation--I think I was supposed to be brainwashed--my friend had now felt inclined to fill me in on the details.  On the ride home, which, by the way, he played a motivational CD by some Primerica guy (creepy,) I was finally told what I would be doing: selling life insurance.  On the surface, not that I would be interested or anything, it didn't seem like the deceptive conclusion that I came to later on.  However, as he continued, he said that for my "training" I would have to go out with Daniel (the representative) and explain to my family, as well as other close contacts, how the service worked; in turn, I would receive a small portion of any sales made.  By the time I got home, I began to put together the puzzle.  I was told during my interview not to look up Primerica on the web, but to go to specific sites, which he wrote down for me.  I thought that it was pretty sketchy, but  he assured me of the business's integrity with the high ratings that the company received in valid business magazines, and then showed me where Primerica was on the New York Stock Exchange.

Even though the closest I've ever made it to in business is through Death of a Salesman, by Arther Miller, I became acquainted with some business terms, terms that he failed to mention.  I reached the conclusion that Primerica is a multi-level marketing organization; they operate through a pyramid scheme.  Basically, how it works is you, the salesman, go out and sell their life insurance; in turn, however, your sales makes everyone else money, including a relatively small portion for yourself (the people higher up on the "pyramid.")  They operate through referrals and allow you to recruit people, yourself, to make more money (which is why my friend was so eager to refer me.)  The reason they want you to work for them is because you'll make them money, while they virtually do nothing.  There's essentially nothing wrong with this, but if you think about how such an operation is ran, it seems quite pathetic: they'll hire anyone (the more the merrier) and by sending these non-professional, non-educated people out to sell life insurance, do you think people will actually buy it?  What if the potential buyer decides to, uh, I don't know, ask questions?

This is where they get you again.  Throughout my interview, the guy explained how their product, term life insurance, was so great; typically, he's right, but for life insurance, it certainly isn't a "one size fits all" scenario.  Also, he made it seem that this product was so unique and that they're the only ones who offer it.  I believe I had asked him how likely it would be to sell this product in terms of competition.  He pulled out a red herring and went on about something else--I think about their really low rates.  I went on Google and was surprised to find that practically every insurance company offers the same service.  I did a few quotes under various ages and scenarios and also found that Primerica is much more expensive, practically under every circumstance, than other services--how are you supposed to sell that?  He had me convinced that their service was the "Wal-mart" (We sell for less!) of life insurance.  Nope.  Finally, I put everything together and this is what I gathered:


They try to sell life insurance to your friends and family (because, for your training, you have to "observe" the representative through six session of him trying to sell life insurance [to your close friends and family.]) And what better people to sell to!  You go to them, saying, "I just got this new "job" and this is part of my training--are they, as your friends and family, going to be inclined to buy this half-a** insurance policy?  Obviously.  Once you get through these six observations sessions, your training is now complete and you can now sell freely.  But, once again, who's going to want to buy from your non-professional, non-educated self?  Certainly, not those close friends and family, as they--if they decided to even make purchases--bought them off your representative.  I wouldn't see these people as your only hope as sales but, in the end, who's else is going trust your non-professional a**?  This is the beauty of multi-level marketing: your sales will quickly run out once you've heard, "Nos" from all you'll close friends and family.  At the end of the day, you, as well as many others, have just made someone higher up in the pyramid a lot more money, but once you run out of sales, that's okay, they have 200,000 some odd people just like you to bring them in more money and referrals.

You don't stand a chance selling this garbage.  In fact, the average income of a Primerica salesmen is little more than $5000 annually, which is a far cry from the $100,000 income they flaunt in your face as well as even a typical $20,000 minimum wage salary.  Don't waste your time.  If you're a good salesmen, have an endless supply of contacts, and you don't mind pressuring your close friends and family into sales, there's something way better out there for you then Primerica.

However, I never dealt with the "cult" aspect of Primerica; to be honest, I figured it would just make for an interesting headline, but it seems like there's an eerie truth to it.  Although I can only base my skepticism on the fact that I received creepy vibes from every single person in that building, it seems like a lot of brainwashing is taking place.  They keep you in line, as I said earlier, by telling you how much money you can make; they do this by having frequent conferences, "motivational" CDs, covering their walls in posters, and moronic representatives influencing you every step of the way.  They do this to motivate you, so reality takes a longer time set in; once it has, you'll be scratching your head wondering, why the hell you spent so much time on such nonsense.

Thank you for your timely response Julia Forte.  I?ve been writing to you and your team for three weeks now, and until now you hadn?t responded.  ?The users say they were contacted by Primerica; you say Primerica never contacted them and ask to take your word for it?....?Yes! As a responsible administrator I?d ask that you look at the facts, many of which were provided to you in ?!? replies.  Primerica has over 6000 offices in the United States and Canada.  When someone ?Googles? Primerica ? This forum does pop up.  There are many cases in this blog that site ?I've read through quite a few of the posts in this forum and couldn't resist throwing in my opinion...? and ?My husband got 'hired' by Primerica about two months ago through CareerBuilder.com. He has a bachelors degree in Public Relations...? These are just two examples of many that are either ?passer-bys? or disgruntled with someone else using this form to vent! NO ONE HERE has EVER used CareerBuilder, We?ve Never travelled to St.Louis (another post), and we sure as heck never met (or called) ?Punch? who clearly wrote ?I was recently referred by a friend to "Primerica" for an "opportunity." ?On your home page it is written:Reverse Phone Number LookupThis is a user supplied database of phone numbers of telemarketers, non-profit organizations, charities, political surveyors, SCAM artists, and other companies that don't leave messages, disconnect once you answer, and simply interrupt your day.If you received a strange call, unwanted SMS message, or just came across a number you don't recognize and want more information about, most likely you are not the only one. Search for this phone number to see the reports of others. If there are no reports yet, leave your comment to start a conversation.?What's clear is the public has questions about Primerica and how it operates. Could you address the questions and refute the wrongful information in a public response?? Julia ? if the ?public? has questions they can call us.  They are welcome to comment to any of our representatives directly ? IF WE?VE CALLED THEM!  If they have issues with other offices or divisions of the company they need to resolve those issues with those offices or our Home Office.  Allowing negative and abusive posts remain when they are not of our doing is completely unfair.?You will be challenging the anonymous posters? If yes, why not here?? We are only challenging the posting for which we know for certain we DID NOT CALL.  I?m not going to get into an on-line debate with people I have never called nor met.  As ?difficult? as it is for you to ?stay objective? we?re simply asking you to diligently read through the comments ? it?s clear that there are multiple comments that we obviously NEVER CALLED! In fact, about 10 days ago we tagged all the comments that were never CALLED by our office.Again, I appreciate your response.  I know as a responsible business woman it is of the upmost importance to maintain both your integrity and dignity.  Oh, and before you write ?I take it you decline my offer to explain your side of the story and prefer to blackmail...? Give me more than 50 minutes to respond ? I do work too sometimes!Ray Anchetta

I neen worling for 3 years. I quiet last night. The company does take your money. I knwo longer could treat people the way they train us to treat. I am also working with the law guys now about this company as a insider.

i just received a call from a girl from this number, i went to google to check it out. the comments looks great here and i will definitely go to the interview. i am only 18 but wanted to know if they would hire me?