Hey omg i have been loosing sleep i got hired as well and when i first started readin the comments i got all nervous and as i read along feel a bit better now. He is a really nice guy and i am not @ all gullable but people around me my husband for instance is sayin it is too good to b true, he needs to see it in order to believe it and i started second guessing myself but it doesnt add up there is too much invested for it to not be real they are a professional team with a legit location, and there are alot of employees like myself for orientation and prior to that got hired and i talked to some myself. I am going today on my first day i will keep u posted, hope it works out. Banana let me know how things are going for you? How does the salary aspect work i didnt yet talk to him about that? Biweekly? weekly?

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.

Previously a manager - makes complete sense - you must have pondered for hours through a thesaurus to compile the words that you've typed.  Clearly you have too much time as an unemployed former "manager for the world's largest consumer packaged goods company".  Funny, how you put down an industry you know nothing about.  I went this afternoon and did do a little research on this company.  Funny Nathan, how you only spin the side of the story to " preaching your garbage to the vulnerable of the internet."  You were slightly off on the company's yielded profit.  Last year, it was closer to $650 million.  You failed to mention that they also paid out to the consumer in death claims over $800 million, and they paid the "independant representatives" $673 million.  For me to think that I can learn an industry and succeed and you to say that it's a dream is to tell a student that school and education is worthless, because you'll never make what those ahead of you have.  From the sounds of it, it appears that you were a Quixtar failure, disgruntled. You "currently work in marketing for one of the world's largest internet companies, with the second-most visited site and largest e-mail host in the internet."  Such a busy man has time to surf the net spreading hate? Go to your 9-5, play with Video Google all you like, and stop trying to rob people with your negative gab.  I must appologize for the "attacks" on your character.  I, like you, Banana, and Michael R., hate the fact that people read crap on the internet and make decision based on bull.  Experience and facts are what truth and understanding are based upon.  Yet you posted an irrelevant link to a meaningless company, and hasted a warning on something you know nothing about.  It's like me, never travelling to Italy, warning people that it's like Bosnia - If I've never travelled or experienced it, how could I comment?  I'm an entrepeneur.  I've owned 2 Second Cups, and a variety of small businesses.  As you've attacked my character, things haven't always gone my way.  The truth is I believe that this company may be what I've been looking for - who knows - I'm excited about a chance to change.  Don't pity my children, we've accumulated a fantastic net worth, something I'm sure your father would be proud of.  Hopefully all those that are reading realize that the world is full of different people, each entitled to their own opinion.  Like others have typed - make your decisions based on what you see not read.  Some of the wealthiest people in the world had no experience or education when they embarked on their goldmines - they never listened to negative people, and were never influenced by those that had less than them.  Nathan - stick to your job, good luck - I'm chasing down my next dream!!

Furthermore, in reading your pathetic article, It's clear how little you know.  Our distribution is to a client base, not to our sales force.  If you had any clue what we ACTUALLY DID AS A COMPANY (RRSPs, RESPs, Life Insurance, Debt Consolidation, Will revision, Legal Services etc), then you'd realize that we distribute these products to the public.  Your "3 or more level" crap is about selling to the people you "recruit" Do-Do - we are a financial company that operates under strict guidlines set out by the MFDA and FSCO.  If there was something illegitimate, wouldn't they have found out by now? Why are we the fastest growing company in Canada? We do what's right for families - don't even bother responding unless you have PUBLISHED material speaking otherwise - get off the net and go make some money you fruit!

Awesome Michael - thank you.  I went in for the interview, and it was one of the best experiences I have ever had.  What a professional team - what an awesome company - nice guy too!

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.