Primerica Financial Services: The Fake Job Interview


primerica-pyramid-schemePrimerica Financial Services is a multi-level marketing company that sells life insurance and investments. I’ve written about Primerica in the past, questioning whether Primerica is a pyramid scheme, and whether PFS is a scam.

The bottom line is that Primerica sells legitimate products and services (life insurance and investments), but sells them at inflated prices to generally unsophisticated consumers. So consumers are overpaying, and likely buying the wrong products. Additionally, the MLM structure sucks for the Primerica representatives. Because there is recruiting with so many levels, the distributor who sells the products receives much less money than if he or she sold similar services through a traditional insurance agency or investment company.

A typical recruiting ploy in Primerica is the job interview. Representatives of PFS troll the internet for job seekers, harvesting resumes from job sites. They contact the job seekers with an offer of an interview for an opening. They give the job seekers very little information about the “job” (it’s 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.

The truth is that the “interview” is no interview at all. It is simply bait to make a [possibly desperate] job seeker to show up for a potential job that doesn’t exist. Everyone gets invited to stay for the informational session, and everyone will be strong-armed into signing up as a representative.

Below is a narrative of how this went down for one PFS representative. She submitted her story to Pink Truth, a website I run about Mary Kay Cosmetics and other multi-level marketing companies. Notice how the representative not only deceived the job seekers. He also deceived the new Primerica representative, telling her that he was helping her and teaching her how to recruit people into her downline, only to keep some of the recruits for himself.


A few of us bought into a resume site, access to hundreds of local resumes.  My Primerica Regional Vice President (RVP) we’ll call “John” offered to teach me how to call them, to build my team.  I felt awesome, like he had seen the potential in ME to want to spend time teaching me.  Now of course I realize that I was probably the only one who wanted to learn.  Sigh.. they’re so good at manipulating, or “leveraging” as they call it.. they create false demand and artificial scarcity all the time.  The whole “you QUALIFIED to spend time with me” thing seems ridiculous to some on the outside, I know.  I totally see it now.  But believe me, when you’re lacking in confidence any morsel thrown down from the master’s table seems like a feast.

Took a few days of being put off, “appointments came up”, etc, but finally we were sitting in his office, my stack of resumes in front of him, me sitting eagerly poised to take notes.  He picked up the phone and began to dial but I noticed he pressed *69 first.. what, he was blocking the outgoing #??   I must have looked confused because he said as he dialed, “people are more likely to answer an unknown number than if they see the name.”  I was shocked… I thought we weren’t doing anything wrong?  Why the need for secrecy?  I thought everyone wanted/needed our products and opportunity.

Of course, now looking back and seeing it for what it was, I see why he wanted to hide behind secrecy.  At the time though, it didn’t sit right with me.   Plus, I knew I had read somewhere on POL (online website for reps) that it was against compliance to block the number.  I started to say “but I thought…” and my face must have conveyed my thoughts because he impatiently rolled his eyes and cut me off, lowering the mouthpiece slightly, “look, we’re not supposed to, but I’m here to run MY business and I know what gets results.”

Just then someone clearly answered because he quickly spoke into the mouthpiece, his voice fast and sharp, “Hi, I’m looking for Amy…” I listened to the call and to him book the interview, but my thoughts were jumbled.  I didn’t understand how he could deliberately break a rule like that.  Especially because it just didn’t seem necessary.  Why keep the name of the company a secret, wouldn’t they eventually HAVE to know?  Like, you might be able to trick them into showing up without knowing the company name, but then what?  Later I learned that they do “whatever it takes” to lure someone out, then rely on the hyped-up emotions stirred up by the Opportunity Night presentation to get them to sign the agreement and pay to join.

Sitting there listening, my mind went back to the phone call that him and I had, when my interview was booked.   He had rushed through the call, creating the perception that he was a busy man with many interviews to call for a much-in-demand position, and when I asked the company name he rushed through that part as well.  In fact, the only thing I remember from that call was his saying “Citi”… weird.  I must be remembering wrong…  I tuned back in just in time to hear him say, “well, have you ever heard of Citi?” then pause.

I couldn’t make out the muffled answer but saw his demeanor change to become a bit more aggressive.  “Like I said, I own my own business and am looking for some sharp people to add to my team here.  As far as positions, I haven’t even met you yet, how could I know what you’re qualified for?”  Listening again.. I leaned forward and held my breath to try to hear the woman’s reply through the phone.  Something about more information..  John said, crisply, “I’m offering an interview, that’s the first step in the process.  Second is you would stay for a career information session at my office with all of the successful interviewees and then I give more information.  I spend my time with people who show up.”  Another pause, then I saw his face relax a bit as he gave directions for the office and set up an interview for 6:30pm that night.

As he hung up the phone I exhaled to release the tense feeling I felt, then realized I had been holding my breath for most of the call.  He went on to make about six more calls, each leaving me a little more tense than the last.  He seemed so angry, I thought.  Like, if someone asked a question that would be fairly customary in the real world, he really would let off on them with something snippy like “well, I don’t know what you’re worth yet.  I don’t even know if you’re someone I want to work with.”  But then again, I thought ruefully to myself, maybe he was right and I was too soft.  After all, he was the successful one here of the two of us.

Now, of course, I see it through different eyes, more objective and analytical.  When you feel the need to bully someone like that, there is something lacking in you.  NOT the other person.  When you get that defensive and that angry, it’s like you feel the need to justify yourself so you go into defensive mode.

Now I also understand more about “success” too.  He did have an office, yes, but that doesn’t necessarily mean he made the money to keep it afloat.  In fact, given his air of desperation in hard-booking like that, the evidence appeared to point to the contrary.  I felt anxiety throughout this whole calling session.  I realized, if “success” at PFS meant doing this forever, I might not make it.  I just didn’t 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.  Then why was he so eager to get ahold of my stack of resumes, leads I had paid for??  Didn’t add up.

That night I came back to the office a bit before 6, when the first interview had been set for.  I was the first one there so I put the lights on and tidied up a bit.  Promptly at six a man walked in and introduced himself and said he was there for an interview with John.  I pasted a smile on my face and said “of course, he’s expecting you, he just stepped out for a few minutes” though inside I was fuming.  Now what?!  Did he expect me to conduct this interview?  Anger gave way to fear.. what if I interviewed him and messed it up and he stormed out of here angry and calling it a scam?  John would be furious with me.. I felt paralyzed with indecisiveness.

Now of course, I see several red flags in the situation.   A real boss wouldn’t be furious with me for honest fumbling.  A real boss would have trained me properly in the first place, not have been so blinded by potential dollar signs and a “taking care of ME first” attitude.  Thirdly, in a real job I wouldn’t be so terrified that the person would think “it’s a scam” and I wouldn’t care if they came on board or not.

Fortunately, my paralysis didn’t last long.  John breezed through the door and introduced himself then instructed the man to sit down for a few moments; he’d be “right with him”.  He went in his office and closed the door.  As the man sat looking around at the various posters and motivational items on the walls I felt that anxiety-induced tension again.  What should I be doing? Talking to him?  No, better not, or John would be angry that I said something wrong.  I kept my head down and fiddled with my phone, then shuffled some papers in a folder, desperately trying to look busy and important.  Instead my thoughts were screaming through my mind.. really, what was John doing in there?!  Why keep this guy waiting, wasn’t that terribly unprofessional and disrespectful?

Sizing up the interviewee’s professional attire I again looked around, feeling self-conscious as I really noticed for the first time how cheap and tacky the office looked with its random motivational decorations and big scoreboard marking sales and recruits.  I stared at it blankly for a moment, noticing how low the numbers were.  It must be weekly, I thought to myself, no way that’s monthly?  It’s the 23rd already, isn’t it?  I dismissed the thought as finally, after several minutes, John opened his door and beckoned the man in, intruding himself again.

I got up to follow the man into John’s office but he closed the door.  Now I was really confused.  I thought I’m supposed to be learning here?  I wondered to myself.  I started to feel a bit angry as I realized that John wasn’t really interested in teaching me, he just wanted to get any recruits in that he could.

Then I felt a bit ashamed for thinking badly as I remember John’s words to me, that he would always act in my best interest as an expert in building a business.  Surely a man that professional-looking would be deterred by someone as inexperienced as me in the room,  I rationalized to myself.   Okay, made perfect sense.  I took a few deep breaths and began to greet reps I knew as they began to enter for the Opportunity Night.  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.

Just before the session started I looked at the guest book and noticed that John had put his name beside most of the new guests, though 4 were a result of my resumes.  I furrowed my brow thinking I thought he was making those calls for ME.. shouldn’t I get credit for those names?  But I again dismissed the thought, feeling a bit guilty for doubting John.  Surely it wouldn’t matter in the end, as long as we get the recruit right?

I was wincing to myself at times, man this guy could be a jackass.  I suddenly found his bragging really off-putting.  Funny thing is, the first 20 times I heard this same spiel I was envious of his life and attracted to the lifestyle he proclaimed was not only possible, but a given if one followed his leadership.  Now, though, I felt different.  It just all seemed very cheap and tacky, like the trinkets around the office.

I focused on a plaque over John’s head as he bragged about his family’s last vacation, noting his “highest attained income” splayed across it in huge numbers.  Suddenly it occurred to me, who knows what that really means in context.  What would that income really be after all expenses, office rents, etc, were deducted?  Plus his wife worked full-time here too.  Split between two people working full-time, it really wasn’t that impressive.  Plus who knew if they actually still earned that?  There was literally no way of knowing.  Even asking the guy flat-out wouldn’t help, he was pretty slick and dodgy at answering direct, factual-type, questions.

I looked back to John, who had now moved on to the “hard close” part of the presentation.  He had become quite animated now, telling the audience about “what all was included” for the fee.  I noticed several of the new people in the front row looked very restless, like they just wanted to get out of there.  I checked my watch.  An hour and a half already?  Oh jeez.. he told them on the phone it was a “quick 40-minute session.”  Again, the little lie bothered me.

Randomly the thought popped into my head, he also said working 2-5 hours a week would mean an extra $1-2000 a month for your family but I quickly dismissed that thought.  It would be too painful to add up all the hours, dollars, and gas I had so far invested into this “business”.

The evening eventually came to an end, and I watched John as he scored 2 new recruits.  I wanted to be pumped but I found it hard to ignore the fact that John had blatantly lied when the professional-looking man had asked if there were any additional costs other than the $99.  John said no.. yet I knew that wasn’t true.  I also knew what John would say if I asked him about that one.  Same thing as he told me when I asked him why I hadn’t been told about the fee to write the state exam: “we give recruits information on a need-to-know basis.. too much information would overload your mind and paralyze you from making smart business decisions.”

Once the new recruits, the professional-looking man and a scared-looking, awkward young guy who looked about 20 and was wearing ripped jeans and left on a bicycle, had left, John was photocopying the paperwork to put in the mailbag for tomorrow.  I noticed that he put me as a recruiter on one of them, and himself on the other.  I raised my eyebrow, curious as to how he could explain that one away.  He noticed, and must have read my mind because he said in an argumentative way, “hey, I need something to show for my time too right.  It won’t end up mattering in the long run anyway, you’ll have enough new recruits to train.”  I nodded silently, not wanting an argument.   Deep down I felt angry.. what part of this was training to help ME?  I realized, for the tenth time that night, that this guy was an asshole, and that was most likely what had halted his progress in his business.

We walked out to our cars, him telling me about how successful the evening had been.  He clapped me on the shoulder with a hearty “see you tomorrow for training!” and I watched him climb into his beat-up Honda civic.  I had heard him talk many times about the cars and houses that the top leaders in the company owned, and had asked him when he was going to get the viper posted on his wall.

I remembered now, although I didn’t pay attention then, how defensive he had gotten as he told me he was “too wise to throw away money on a car”.  Baffled, I shook my head.  What’s this guy’s deal anyway?  Discouraged, I climbed into my own car and went home.  I wasn’t really looking forward to more training in the morning, but figured with the scared-looking new teenage recruit coming, John would at least be in his “jovial, upbeat” mood.  It was sure better than his “you guys aren’t doing anything, you’re being a bunch of losers” talks he usually gave at training meetings.  I shook my head, frustrated again, starting to wonder how long it would take til I would really succeed at this.  Wondering if it was even actually possible.

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98 thoughts on “Primerica Financial Services: The Fake Job Interview

  1. Bridget McArthur

    Many years ago, I got a call at work from a Primerica recruiter. I was VERY unhappy in my job and I had been actively looking. The man told me he was a head hunter and had seen my resume on Career Builders. He asked if I had heard of Primerica. He acted surprised that I had not. He launched into his clearly rehearsed and scripted talk. I said that I was exclusively looking for Purchasing/Procurement roles as I was a buyer. I was not at all interested in becoming a sales person. He said he absolutely understood that and that his office was new and he had many openings. He specifically mentioned that he was looking for a qualified office manager and that my resume looked like I was very well qualified. I was very interested in that. So I booked an interview with him. I arrived at the interview and when I walked in the door I heard LOUD hard rock music playing. That really put me off. I walked in and saw chairs set up like there was going to be a lecture. There were 10 or so young men dressed nicely milling around. There were about 20 other people sitting in the chairs. I was looking for a receptionist or something. I ended up seeking out one of the young men and telling him I was there for an interview with Mr. Blah Blah. He introduced me to that person and I presumed we would be going to an office. He told me to have a seat and that there was going to be a presentation. I sat and as soon as the presentation started I was NOT happy because it was clearly a come sell this stuff and get rich thing. When it was over I again thought, ok so now I’ll get the interview. The dude ignored me completely. I went up to him and asked him about the office manager role. I don’t remember exactly what he said to me but I realized I’d been lied to and I was so mad that I just walked out.

  2. Ashley Darnell

    I though I was going on a great interview in my early twenties when I strolled into Prime America! I wasn’t amused. There was a Prime America in the office building I currently work in, and I can’t tell you how many young, eager, looking people would pull up looking nervous right before their big “job interview”. I had to smile a shake my head every time I saw one of these unsuspecting people heading in….

  3. Marshall Jones

    I interview with a Primerica Financial guy like 15 years ago. Got a free dinner out of it, but I never did anything with it and didn’t give them any money. Ha!!!!

  4. I have an apparent interview with this so called “PRIMERICA” today and from reading these blogs I will not be going, this looks like Kirby (the vacuum cleaner) a 10 person session and rudeness and inconsideration to those looking for a job I don’t think so…I will pass on this thanks to all of your blogs its a fraud obviously and I am not going to waste my time on this, thankfully enough I do have a real job and to think I almost turned it down, I got a phone call from this lady name Ratna Kong she was calling me from her cell phone and she told me someone recommended me to her about a position, about being a supervisor and training I knew something was wrong when I couldn’t look up her number on google or find her name or the company….thanks again

  5. Annoynimus

    I wish i had read this before i went, wasted 20 bucks of gas to go, and was exacly has described, what a waste of my time, and i went all nicely dressed.

  6. Carlie

    I also am one of the many that got called out of the blue for posting my resume online. The woman who did the “phone interview” was very nice but once I got off I didn’t even recall what the job was really about and realized she set me up in a few days for an in person “group interview”. Sounded too good to be true about the money and needless to say thank-you to everyone here I will not be going. I can feel it’ll just be a waist of my time and I would rather work for a company with a good reputation.

  7. I also received a phone call from a guy who said had my name refered to him by someone. He said they are looking for people to sell financial products and to recruit and train new employees. After reviewing those comments I will not be going for and interview. Thank you all for saving my time and money.

  8. blast

    I was actually recruited by a Primerica rep that paid the $99 fee for me. After realizing her main focus was getting recruits I began to question this whole Primerica thing. And yes the higher ups do benefit from your recruits they aren’t going hard for no apparent reason and they will convince you they are blue in the face that Primerica will help you build your own business within a business. They prey on the uninformed, they want your warm market, and your warm markets warm market.

  9. leslie

    Wow I just spent $99 on nothing!!!!!!!
    They have my info and address and all kinds of info will they use it against me if I dont work for them?

  10. Thania

    I have an interview with them tomorrow. but after reading this I won’t be going. The guy recruited me at the mall and all he gave me was the address, no description of the job, not the name of the company. But i’m not stupid so i looked it all up what the job was and where it actually was and this seems to be all true. thank you for opening my eyes!

  11. amy

    I also just had the same call and scheduled interview for friday. The call was so unclear and left me with wanting more information. So i googled and seems like a scam i called back and canceled

  12. tiffany

    I am suppose to have an interview tomorrow as well. I am unemployed and the guy on the phone made it sound so good and easy to earn some extra cash. He told me he worked with Primerica before it was Citigroup, and to hear that made it sound great because Citi is a huge opportunity in my area. I had the same gut feeling to google and see if this was a real thing. I looked up Wallace Murphy with Primerica, it showed his picture and what he was about, but after reading this I will also be canceling my “interview” as well. Thank you for the honest comments, saved me time and money.

  13. Jay Gaultieri

    Called a local Primerica agent in the spring of 2011. The agent was a very nice Italian-American woman who actually knew something about financial services. She had once had an office in an actual storefront on a mixed commercial/residential street in the neighborhood, but now ran her business with no outside marker out of her husband’s auto body shop. She was pleasant and I was willing to pay the $99 up front and take the life insurance exam. Primerica offers web-based learning materials and a practice exam. I studied and passed and was prepared for take the NASD Series 6 exam.
    The agent kept calling me for a congratulatory luncheon at a local Chinese buffet. After dodging her for a few weeks I finally agreed and ate enough of the steam table food to be polite. Then she laid it on the table: I needed to go out and start recruiting. I mumbled something about “I’ll see what I can do” said my goodbyes, and bowed out. My angel on the shoulder came in the form of a call for a contract position at a big investment bank. I emailed Primerica’s Compliance department and was told they could not give permission for me to take the job because it would violate SEC rules. That’s legit, and I drafted up a Letter of Resignation, which included the language “This is without malice.” I didn’t have the heart to tell the agent why I quit, something I regret to this day.
    Primerica’s main financial advice is the slogan “By term and invest the difference” which means figure out what a whole life policy will cost you, buy a term life policy, and invest the balance of what you would have paid for whole life into mutual funds. It’s not bad advice. But like all of these MLM businesses, it’s not set up for money to be made through only selling the product. It’s all recruit, recruit, recruit and eventually a profit will be turned when enough people are in the downline. There’s constant turnover from people like me, so recruiting needs to continue indefinitely. It’s an exhausting way to make a living. Which is why a I didn’t go down that path.

    do amnddo


    I finally

  14. joijoi26

    Wow i got a callcfrom Primerica and the guy jhon who called made it soumd legit. thanks for the honest comments I we’ll be cancelling my interview tomorrow.

  15. srussell135

    I, too, have an interview for tomorrow that I doubt I’ll go to now! I’ve read a ton of comments on other sites as well, and this is just not cool! There are too many of us out there that are unemployed and in search of a real job with steady income. Is that really too much to ask for?

  16. Evelyn

    THANK GODNESS I LISTENED TO MY INTUITION!!!!!! People have no consideration!!! We’re looking for employment & to get taken advantage of…. Just WRONG… Disgusted!!! I WONT BE GOING!!!!! So happy I dug deeper

  17. Sam

    I had an interview yesterday, and went, mainly because I was contacted about a trainer position, not a sales agent position. I decided to see if I’d be sucked into doing sales but it wasn’t mentioned…though a lot of hinky things were. Like the $1000-$2000 a month for 10-15 hours a week? Six figures in under 3 years. Blah blah blah. Now, I really did enjoy speaking with the woman and we got along great, but the whole thing did sound more like a sales pitch than an interview. We hardly talked about me and my background. 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. I will go but the moment I feel like I’m being pitched, I’m graciously declining and peacing out. I need legitimate work…don’t toy with me.

  18. Tracy Coenen

    Sam – The position of “trainer” really means RECRUITER. You will be expected to go out and find new victims to sign up for the scam.

  19. Mike

    I received a call from a woman named Mary stating that someone referred me to her and asked if I was still looking for a job. I said I was and she offered me an interview. At the time my mind was elsewhere so about 10 minutes later I called her back and asked her what company she was with, who referred me and what position was I interviewing for. 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. I knew it had to be a network marketing scam so I came home, looked up her number on Google and thankfully found several sites on Primerica’s shady recruiting tactics. It is a shame that there are companies out there who still make money off these scams. It would be nice if the government would step in and help protect the people who don’t have the sense to see these for what they are. Some people are so desperate for money that they are blind to this.

  20. VM

    Thanks everyone for your honesty! I got a call a little while again and it seemed very odd. I could barely understand the guy. He was very anxious to set me up with an interview (it was supposed to be on Monday) I won’t be going! Thanks so much!!

  21. Wow, I have an interview set for this Tuesday, needless to say I will not be going to it! Thank you for the heads up!!!

  22. Ignorance is not always bliss

    So glad I ran into this, a man at a store who was very charming said they were looking for employees, I have had a bad feeling about him for about 2 years now and he has called like 3 times since, every time he gives me a little more information, it all seemed very fishy, finally said I would meet up this week but would google them first. THANK YOU so much for posting this.. Should have gone with my gut.

  23. Marisa

    Me too! I asked who the person was that referred me and the lady laughed and then said a name, and i did know someone named that but i hadn’t talked to him in a year. So then i asked him thru Facebook and he said no and now im here and im so glad i am. im so agree i wonder how they got my info.

  24. Ben

    I’ve been disabled for four years and i finally got a job release in feb 2014.Since i had to change job careers,its been hard drawing my former job skills to be applied to another field.I’m currently in a job program called DVR(from the department of labor)in the state i live in.For the past 2 months,i’ve applied to many jobs thru them and gone out of my own with little into alot of companies like primerica.So now before I have the interview with any marketing/sales company,I do tons of research on the computer.Had a person contact me from bankers life and casualty say that im good to be part of his team and told me to come to his office at 6pm for the interview.Only to find out that its a presentation with 14 others,10 left after an 1 1/2 hour presentation(only surpose to be a 40-mins).i was one of the 4 and he liked me and set up an second interview.Took 2 weeks to get back to(and only got set up due to my ongoing calls to him for it)me and set up the meeting the next day-they did the same thing as primerica only they actually had a call list from the “do not call” listings they use for their referrals for me.A $99 dollar fee plus $149 for inside training upfront.I said “NO’ and that was it.My DVR supervisor gave me a reference for a job that turned out to be a primerica rep.I had to follow up this time and called her-she contacted me that nite at 9:30pm(odd time)and told me that her supervisor would call me tomorrow-he never did.A week went by and out of blue the primerica rep called me and said that she was sorry about her supervisor didnt get back to me.But this time i was ready(i did my research and found tons of very bad reviews and some good reviews from primerica corp. lol.When we talked,her excuse was that “her supervisor is better to answer my questions and would do so when he calls”.He hasn’t called but i already know the truth(on the surface and the deep inside shadly truth)about primerica-what they represent and who benefits from their company.I need a job now and need money soon before im forced to live on the streets with my wife.I cant start a new position on empty promises and payment upfront to pay to go to work to make alittle money in the first month after i work 80 to 100 hours a make sense and its just a waste to put forth lots of effort,time,gas,sweat and patience to make little money just to barely live on…lol

  25. Manny

    I have just been called by a lady in Puerto Rico to show up for an interview for a job in Primerica. …Thanks to these comments I will not go….

  26. Crystal

    I had an interview yesterday with the “regional Vice President”. I was referred by a friend who recently started working there. I went there with an opened mind. He mentioned the company would pay for license and classes and would like for me to start working part time for 5 hrs a week these next few months. I thought its not that bad, I currently have another job working as an assistant to a real estate agency. He signed me up…NOW, after reading all these comments I’m regretting doing so. I’m sure people are saving money, but something doesn’t feel right. He never mentioned an upfront fee, but if he does I’m done with these. It’s not the money, but once I left and processed everything it seems they pressure you to sign up and recruit other people. I have another so called meeting tonight with him. I’m just worried if I tell him I thought about it and wouldn’t want to proceed, he has basically ally information…

  27. Had a local resident from Primerica call me as I often leave my card at the nearby supermarket as I offer computer repair services. My brother-in-law has been very successful selling Insurance through a smaller company, Modern Woodmen of America. It occurs to me that if a person would want to try this kind of sales, then it would be just as easy to sign up with a major insurer such as Woodmen or Northwestern Mutual, NY Life, etc.

    Before they “hire” you and you begin training (with no pay during this period) they will test your aptitude for this kind of work. It is not easy to get started, but I must say my brother-in-law is very well off today and one of the top salesmen in Texas for Woodmen.

    As for life insurance itself, a small whole life policy with a reasonable death benefit can be helpful in protecting your spouse if you die suddenly. Term insurance gets expensive if you have to buy it each year, and investing in mutual funds is OK if you can ride out a bear market. What these agents won’t tell you is that another bear market is looming ahead, along with the upcoming changes in Washington.

  28. ljuan

    I’ve read just about every comment and I am not going after all. I knew from the phone call that something was wrong. The guy was a fast talker and everything sounded muffled.

  29. Brenda

    My husband works for a window company, door to door, ran into a guy who says he has career opportunities available now this guy calls everyday for a week saying he wanted to set me up a job as well I seemed educated and professional so and so.. After weeks of talking over the phone we set up an appointment. The man and his wife came to our home for a supposed interview. When they first came I noticed his wife was wearing a dte coat, I asked jokingly what company is this opportunity with, Primerica or Dte? She says its just a coat she found around the house she dont work there. 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! Not once did they mention anything about a job until an hour into this interview of them talking about prices for my family. He asked us over 50 questions, where do you want to move? what kind of car would you like to buy? Would you like to travel around the world if you got rich? Stupid questions.. I asked what does this have anything to do with life insurance, or a job? Nothing! His wife starts asking questions, social security number? id number? kids dob’s and weights,etc. They were in my home for almost 3 hours, 10 minutes before they left (which was an hour ago btw!!) They asked my husband and I for $99 each to set up (pay to be hired) and wanted $156.32 cash to start our “life insurance” said our kids would automatically get $135,000 if we even die today, This bleepity bleep bleep!! I was ready to mangle both of them Im so fed up with these lames at this time. His BTW came out his wife works for DTE because he says during this “interview” “I always tell my wife after 10 years of her working for dte she will be able to retire and be a stay at home mom like her dream and that is soon”, SO I ask, “Do you work there during the days and at which location” She tells me and says “Oh this is just my side hustle everybody has to have at least one, I used to do make up and hair, weddings and birthdays, blah blah blah. Get the BLEEP out my house before I rip our your weave!!

  30. irma osorio

    Im in the same position as you i dont want to recruit others and im scared with the info they have

  31. TT

    I went for the so called “interview” today and was completely confused and turned off. I filled out the basic information and then realized they asked for social security and began to question him. When I walked in Spanish music was playing and the office was empty even in the so called Vice Presidents office it’s was empty and had fake plaques and stuff every where. The guy I did the interview with was bragging about how much money people made and that turned me off even more. I’m 18 I’m not looking to make that type if money like that, I’m looking for something simply to get me through college.

    Anyway so he was trying to down play my job and whatnot and get his point across talking about it’s a good opportunity, don’t you want to make more money and yada yada yah. Like my parents support me and are very smart with their money. I’m not in huge need of anything, I’m just exploring my options.

    The big no-no for me was that I asked him for a pamphlet, like an information sheet and he was like what do you mean. And I was like a job description of what I’ll be doing and how the company works. And this made me laugh what he said next.

    Oh well I showed you the PowerPoint and video?? First off anyone can make a PowerPoint and the video was from fricking YouTube. One from a news channel and some other random one. And he was on his phone during the interview and it just all seemed so fake and phony. And he said the clients love him and are so thankful that he gets invited to birthday party’s and what not like ummmm ok I don’t care. And also when he would say how much money people would make he would wait for me to respond and I just gave him a blank stare.

    Like I’m not with all the talk and I need proof. I need papers and what not. Long story short I didn’t fill out the employee application because I knew right away this wasn’t for me. He did butter me up, but I’m no fool and and the fees were ridiculous, didn’t make sense. He invited me to this thing some orientation and was like being your parents I’m sure they could learn something and I’m like did this man just insult my parents intelligence. My parents make good money and know how to save. I don’t NEED this job. Anyway so disrespectful will not be going tomorrow and glad my parents raised me the way thy did because I could’ve signed my life away. Wasted my time.

  32. Alisa

    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 Friday…but when I asked who the person was that referred me, she couldn’t give me a name. Sooooo after reading all the comments, I will NOT be going

  33. Big J

    Some guy came up to me at the grocery store today and without provocation introduced himself and told me he worked helping people through financial services and teaching people what they should have been taught in school.

    He also told em they were looking for “leaders” and instructed me to call him to schedule a meeting. He had been eyeballing me since I walked into the store. Once he started pitching me it was all very clear why.

    I am not unemployed and actually own my own legitimate business. I did find it funny though, because it was clear he was representing an MLM based on the fact that his business cards didn’t have an actual company name, used a generic Vistaprint background, and listed him as a Financial Coach or something like that. I actually figured out it was Primerica a few minutes later when I actually sat to think about it. A few of my friends got roped into this. The people that I know who were roped in were all pretty dumb with no college education and in a dead end job. PERFECT CANDIDATES!

  34. Tom

    I know my story sounds the same as many others – go figure, right, these guys seem to work from the same playbook – but I figured I’d add mine. I got a call at work late last week from a man who said he’d overheard my conversation with another customer and was ‘very impressed’ and wanted to talk with me about a position with his company. I don’t remember the exact wording he used, but I do remember that he was vague enough to leave me feeling like he was offering work with a financial business.

    Just a bit of background – I work as a sales floor employee at Lowe’s – so I was pretty skeptical to begin with. He never mentioned the name of his company, only that he was ‘impressed’ and wanted to figure out if I was a good fit – the sort of leading language I’ve seen others report that’s meant to make you feel desired and special. Our two conversations over the phone were all about me – my background, who I was, what I was looking to do – he barely said anything about what he was offering, just that he was interested in taking me on if I was the ‘right person’ for a company that was ‘looking to expand’.

    Red flags went up immediately – obviously he was looking for someone for sales (ugh), and though he wanted to meet immediately he also invited me to a presentation he was giving that evening so I could get a ‘better understanding’ of what he was about. I wasn’t about to put my plans aside for something as ambiguous as that, and seeing other people talk about their experiences, I’m glad I didn’t. He also mentioned talking with a number of people at Lowe’s about how bad the schedule is here – as I realized later, he makes the rounds at stores like this, trying to entice unhappy people into a get rich quick scheme.

    I did go to an interview with him – his office was eerily empty, a dark, one-floor building that looked more like a conference center than an office space. The conversation, again, was mostly about me, prompting me to sell myself as someone who should work there. And by work, of course, I mean pay them for their 36-week training course and then a monthly fee afterwards. The whole conversation was geared towards selling me on deceptively common-sense information about what I assume to be much more complex financial decisions – I have a friend who works for an insurance company, and given how much time he’s spent studying for his degrees the claim that, in a few months and for $99, I could sell my friends and family (and then random strangers after that) on insurance was certainly too good to be true.

    Like he told me, eventually – this isn’t a job. They have no jobs to offer, despite making it seem that way. The most obvious illustration of this was the outline he drew for me of their organization, a literal pyramid – your work will be trying to enlist enough people that you can stop harassing your friends and family, and start luring in random people at department stores to hock insurance for you.

  35. Marc

    So I got a call from erin at primerica saying she got my resume off of cal jobs. She asked if I wanted change of career. I should have known it was a scam, who calls people on a sunday!? She also told me she was just leaving church lol. Glad I already have a good job!

  36. Julia

    Got an e-mail (I use that term lightly, he had a hotmail address) from someone saying my resume had been “passed on” to him. I googled “psfl darmouth” (included in the e-mail) and the first link was “primerica is a pyramid scheme/scam” so that was enough for me.

    thanks, halifax!

  37. Brittney

    I received a call from a rep from primerica. She told me that someone referred me and thought very highly of me. She gave me vague details about the company. She set up an interview for me tomorrow and told me to dress in business attire. 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. I had a bad feeling so I googled the address. This business is in a unmarked building near a woods, although that was scary enough I reasearched and found this. Thanks everyone for your stories. Glad I didn’t waste my time. I’m on vacation.

  38. Jenny

    Like everyone else here, I also got the call and the woman said that I was “Highly qualified” for some positions she was offering. She gave me this speech about how she is the General Manager and that she was opening various locations and needed people. During the call I asked her about three times for a website link or something to see if I would like working with her but she avoided giving me the website, I had to ask her about three times till she finally gave me something, and even that was just the name of the company. At first I was very happy considering I was “Highly Qualified” for something, but now seeing all these comments just makes me sad.

  39. Jasmine

    I just a got a phone call this morning and let it go to voicemail from a Kim calling from Primerica in Arlington Heights. It’s a good thing I’m not stupid and always look up companies before I contact them. So once I read that it was an “Insurance Company” I immediately knew it wasn’t for me. I’ve been contacted by numerous insurance agencies for employment and have never been interested in that field of employment. Reading this gave me something to do for a little while this morning and appreciate the honesty. However the comments of one man on here did not sit right with me. He has no right to call people that didn’t go to college dumb. That’s just rude and disrespectful.

  40. Susan

    I too have an interview scheduled for tomorrow. I usually check into these things before setting up appointment or returning calls. I didn’t follow those steps due to a time constraint but thanks to your comments I know I will be making better use of my time! I will not be going and now I don’t think I’ll give them any more of my time by giving them notification either.

  41. Vijay

    Thanks for the post. I got a call and they scheduled an interview for today without letting me know for what position they are hiring. Just googled to know about the company and landed on a right page.

  42. ID

    I am actually scheduled for an interview tomorrow which I intended to drive over 100 miles to. Thanks for this website, now I know it’s a scam and I’m calling off the interview!!

  43. Melissa

    I have an interview on Monday but I will not be going afternoon randomly reading all of these comments. The interview should have been tomorrow but I wanted to learn more about the company so I extended until Monday. I was told that there are many positions to be filled and I am qualified for a top one. Thanks to all who shared their experience.

  44. Sabrina

    So me and my friend were at the store when a guy randomly came up to us to talk about his wife’s company. He asked if we knew anyone looking for a job part-time or full-time. We both said yeah and he gave us his wife’s number and took our numbers down. She called me today asking me about coming in. I’m not looking for a job. Especially one that deals with “financial education and asset management”. Just like most of these posts, they said they weren’t looking for people who have college degrees or serious career experience. Hmmmm.. I also heard the leadership bit. I know of plenty of people who need a job but now I don’t think this company is legitimate despite the nice phone call.

  45. Lauren

    I guess I get to add to the list, I received a missed call, I don’t 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 don’t call… this time nothing came up so I called. The lady that answered, said Prime America, how can I help you. Of course it was muffled so I asked who is this and she repeated… I told her I received a missed called from this number and was curious who was trying to reach me, so she put me on hold. I then googled Prime America and this site was the first thing that popped up. I thought oh boy! Here we go another scam, let me play along… The gentleman got on the phone, I think his name was John, again muffled but I really didn’t care what his name was, this wasn’t going to last very long. Well John went into his little script of how he found my resume off of Careerbuilder and thought I had what it took to help the business. 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. lol He went on to tell me that they were moving their business from Milwaukee to Chicago and are looking for people to help run a couple businesses here, here I thought oh boy, a sales position, no thank you I thought in my mind. Then he went on to say how my experience and entrepreneurial nature would be a great fit to run one of the offices. I right there thought this guy is nuts, I do marketing and sale support, never manged anyone in my life, did he really read my resume? In any event, I told him I was not interested and he hung up. Just thought I would share my very recent experience and thank you to the author of this blog for posting this, otherwise I may have been suckered into an interview but then again, I don’t typically work or have any experience in the financial industry and tend to stay far away as it is for positions like this or anything to do with insurance etc.

  46. anonymous

    Woooowww approached at Wal-Mart totally seemed fishey he took my number no name or business card not looking forward to this call at all how rude to take advantage of people and trick them into better job opportunities I’m surprised his pick up line was to Google this company ha cause this is what I found!!!

  47. Anonymous

    One of their “representatives” came up to me as i was walking into Target. He was very vague. Only said that his company was part of the stock exchange and made more money than Yahoo -_-. I gave him my phone number and when I asked him for a business card he said he did not have one and went on to talk about how he makes 3-4k a week…yeeeaaaah. When i asked for a website he diverted the conversation to something else. When he called me I was busy and asked him if i could call him later. He agreed, however, I had a bad feeling about him and the conversation we had had and decided not to call him back. He called me again and I ignored the call. A legitimate company looking for new employees is not going to waste more time calling a candidate who did not call them back, particularly considering they had no information on me or my job experience or training. He called again. Finally he had a female associate call from a different number who told me I had been referred to her as a candidate from the man who approached me at Target. I told her I was wary of making any appointments because I had no information on the company. I basically got the same answers I received from the man at Target again. She essentially made an appointment for me anyway for Wed at a place in Mission Hills Ca. She then insisted on calling me on Wednesday to remind me of the appointment and said I was lucky because the vice president would be there on Wednesday -_-. It all felt very sketchy. And I’m sure it is. I am so glad to have websites like these were people can learn a little more about what they may be getting themselves into. RUN from anything to do with them. They WILL continue to call you even after you have said no. May have to change my number now….what a waste of time an effort they are by simply existing….

  48. Sile C

    Got a random call for an interview for a job as a “trainer” that I never applied to. Person could not confirm how they got a copy of my resume, but asked that I bring my ‘updated’ copy with me.
    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.
    My interviewer did not have a copy of my resume. I offered to quickly mail her one, as I had not brought one myself (I already had bad vibes, so I didn’t even bother bringing a hard copy). She asked me the most useless questions ever, such as, “How do you want to be treated if you work here?” She was also unable to give me specific details about the position I was interviewing for.
    Big giveaway: when an interviewer asks you questions about who you live with, and if you have a lot of family and friends that live in the area… I mean, come on! 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.
    Got a call back today, saying my interview stood out, and to come for a brief information session. Still, barely any information given. Told me to bring my social insurance number with me, because if I pass the info session they would like to start to work with me right away…
    Needless to say, not going. This is a scheme.

  49. Katie

    Very very unprofessional company. They say that you can get a refund if you are no longer interested. They are liars, they never gave me my money back, they have all my bank info and I feel very unsafe about that. I talked to the manager to get my money back and he talked to me rudely, unprofessionally, and in short form text. Calling me rude, and saying other unprofessional things like LOL

  50. Rex

    I was in “Primerica” back in the early 90’s when it was called PFS (Primerica Financial Services). I had started in 1984 and it took me until 1990 (six years) to make RVP. I made a decent living $30,000, but it’s much harder than most people even imagine and it truly does require that you do oodles of prospecting. Also, back then Term insurance was much more novel than it is now. There is no rational benefit to buying insurance or mutual funds from Primerica today. Lever term is obtainable from top rated companies for far less money. And no-load mutual funds through Vanguard or Fidelity beat the high expense ratios and sales charges of the ones Primerica offers.

  51. I received a call from Primerica just a few hours ago. The rep said she got my resumé through Monster and wanted to give me an “opportunity”. She kept saying “opportunity” rather than job, or career, and my attempts to get more detailed information were deflected with promises of being answered later or at the “orientation session” being held the next day. I had been suckered before into going to an interview for what turned out to be a door-to-door sales job, so I was wary of this one. Her choice of language, and orientation rather than an interview, and the location of it (nowhere downtown but rather in a rented space in the outskirts – I mapped it out) caused me to beg off, using the excuse that the location was too far for me to attend.

    Afterwards I was a little bit unsure I’d made the right call – I am unemployed, after all, and work is work – so I googled “Primerica Scam”. Here’s this site. I’m no longer-second guessing my decision to stay far away from this group. Thank you for providing this information!

  52. stephanie

    Over the weekend my family and I went to the Disney store to get my daughter a present and as I was shopping with my daughter my husband sort of stayed behind with my son, my husband was standing over to the wall when a pair of ladies came over to him and started saying “oh how sweet your daugther looks with the princess out fits” and how she has 7 kids at home and yada yada, my husband was clearly uncomfortable since he did nothing to start the conversation, he started to walk over my way and they followed him towards me, the older lady asked me if I was working and I said “no, i’m a stay at home mom” she seem put off by my answer and then turned to my husband and asked him the same question, to which he answered “Yes, Im a plumber” she made a coment and dismissed the reply by saying that she had a better opportunity for him to make money. He said he wasn’t interested and she stopped him by saying that she wouldn’t 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. My husband got upset since he was at work and called her back and said “no thanks” and she said that she could put her husband on the phone to talk to him and try to convince him, my husband heard him out and said no thanks again to which he tells me the man was not happy and cut him off and hung up on him.

  53. Michael M

    I went to the orientation before with Primerica and discovered that it was a MLM. I just got a call tonight from someone who started to ask me about my resume. I answered and then asked what company he was calling from, something like Frontier Financial Industry and then he mentioned it was owned by Primerica and I immediately let him know that I was not interested. No rebuttal, just got off the phone. I had them waste my time once before and am no longer interested in doing it again.

  54. Victor Berrios

    Hey, thanks for who ever made this page! I was going to an interview tomorrow and now I know its just some bologna.

  55. Pete

    LISLE IL. lady called me said I was referred to her?, scheduled an “interview”, Something told me to google what little information I had, found your blog! Thank you, I texted her your web blog and stated I WILL NOT BE SHOWING UP. I almost felt like filing a complaint with the DuPage County States Attorney, at best make them aware. I have a job, but looking for a change, I feel bad for people who are out of work and are honestly looking for a job! And this place is playing with people’s hope?! What a waste of time?! Scum Bag Scammers! If it sounds too good to be true, mostly it is…………..Thank you again for posting!

  56. Eric

    Thank you for the information. It’s quite pathetic that all of us in the comments are forced to search out information on the web rather than hear it straight from the snakes that work for this company. I knew immediately this was a scam of some sort. Be aware, I messaged on Facebook, and the account had comments saying “Hey man, I think your account got hacked I’ve been getting odd messages from you”. My guess, these snakes hack FB profiles and are now on the prowl for new gullible recruits, or this guy probably got hooked into the company and is now using his account to get recruits. Joke of a company, I hope it goes under.

  57. Mark

    same here. Stopped at a job fair. Went for an interview/discussion today. Went well. Heavy on company info and presentation. Told my interviewer I would call him back this week with a reply. Overall sounded ok but things started to not add up. Not going to take offer with the tidbits from this site as well. (Thanks to all post-ers)

  58. Maria

    Thank you so much. I had a job interview with them, after applying to places that did not have them under it. Thank you for everyone posting. I will not be going Monday. The location seemed extremely sketchy too. He texted me the address (unprofessional) and me, being naive agreed. Cancelled the appt. Would rather wait for another job.

  59. Got approached at a random target by a lady commenting on what I was wearing not a job. She mentioned her husband company briefly and for someone else to pass on the info. Today the husband called and said his wife said I had “people skills” and was very vague and I had to really ask what was the company after the asked me to come in for an interview. He finally mentioned he was on the phone with primerica and he was conducting an interview now Very weird so I blocked evrythhng and said no sales. I mustve been approached bc I look like a mark. I am not. And a sidenote when I exchanged info with the wife in target her android phone had an app on it where my full name showed up on her phone. I did not like that and that was a red flag.

  60. DH

    Thanks for all these helpful comments and posts. I got a random call on my cell phone from a Primerica Financial Services rep in Charlotte, N.C. Said his office manager was trolling the Internet for resumes and found mine. Said I might be a good fit for PFS’ ambitious expansion plans in the Charlotte area. He gave lots of the same info and elusive answers reported here. I will not be following up with PFS.

  61. pink

    OmG people you are not making a difference commenting here report it to the BBB online or phone I did . Action Affect!

  62. Tracy Coenen

    NOT TRUE!!! The comments here are making a HUGE difference. The activity on this thread keeps the page at the top of Google searches for common phrases related to Primerica. That drives traffic to this page, where potential victims are getting the real story and are able to avoid the company!

  63. Kevin

    Great article, thanks for the extensive information. I just received a call yesterday and had my doubts about the process, so I immediately proceeded to research PFS and found this article.

  64. athena belle

    Hey guys, so I went through the exact same thing, someone on one of my social media had publicized a post saying “anyone 18 and over looking for a.job, my company is hiring.” I was interested so I messaged the person and I asked what company and what position, she briefly told me it was a financial services company and that was it. She asked for my number that way her “trainer” would contact me to set up an interview. If I had a little more information I would’ve researched the company, but there wasn’t even a specific name, I’m not sure why I didn’t consider it a scam at the time. So a woman called kim called and set up an interview with me in a city nearby. I wasent sure what to expect, all she told me was to dress proffesional and that was it. On the day of the interview, I drove to the adress of where the interview was, I expected a big company with a sign of the name or something. It was an apartment looking complex with no name, nothing. I didn’t think much of it until I went inside. I swear it literally looked like an apartment building inside with rooms separated and a dark hallway. I entered the room the woman on the phone had told me to go, there were about 20 other people in there with a presenter holding an iPad on his hand. It was a group interview. The presenter looked like 19 years old and began talking about the company and that it was called primerica. He was bringing us all down about our current minimum wage jobs or the ones that were unemployed and started to brag about how much money he made. Long story short he told us it was a company about life insurance and that we’d help families bla bla bla. From then he sent us to different people to ask us some questions. The interview asked me only 4 questions and asked me to sign a contract looking employment form and said that I need to pay 99 dollars to pay for a background check and that i need to get a license. I reluctantly agreed and was “hired” I went home that day and looked for primerica on the Internet and at how it is a scam. I went to the office the next day and talked to the “rvp” and told him what I knew..his wife was there and was furious. i asked her… if it’s such a legit company why do I have to pay for my background check and why is there so much secrecy and then sign of “primerica” is most outside. She was upset and wanted to know who told me those rumors. I told her to keep my money and I left. It’s such bull do do guys. Don’t fall for it. It’s all a scam. They’re making money out of your stupidity

  65. Nicole T

    Just got a call myself from George saying he was with a booming company called Primamerica and he found my resume on CareerBuilder. I didn’t have time to listen to the whole message at first and wanted to Google the company before I returned his 1 and a half minute message. After reading this, I will make sure to block the number so I don’t get any calls through.

  66. Steven H

    I joined Primerica and spent about 2 years trying it. I read many reviews like this before I started and while I was active. It’s funny how my perspective has changed. They talk about these bad reviews during training, saying they are written by people who tried the opportunity and failed. They make any failures out to be lazy and incompetent, unfortunately the failure rate is incredibly high. They are masters of manipulation, hyping you up to be a crusader for the middle class. What I found was that most people don’t want help with their finances and many (foolishly) refuse to spend money to own life insurance. I’ve seen people come in, get hyped up and quit their jobs, only to be screwed in a few months. It’s a churn and burn- they will hire ANYONE who can pass a background check. They need to bring in new people all the time to ‘train’ them, when all they are really doing is using up their warm market to write business. Other insurance companies do the same thing but Primerica is ruthless. I worked HARD at the business, I have had success in other businesses in my life but making money at Primerica is a joke. Yes there are people doing it, there are also people playing in the NFL and NBA, should we promise every kid the can go pro because ‘others are doing it’? I would STAY AWAY from Primerica.

  67. abousham

    those guys are motherfu***** i went to the interview and i interviewed with a guy but he was so suspicious though, when he asked me for a 99$ but it should be on a bank account not cash( so they can steal my infos) but when i told him i don’t have any money on me now he seemed Confounded and annoyed and there was three girls sitting on the other table they kinda laughed when i said i dont have the money, and so he immediately ended the convo and said i can come back tomorrow and give him the money and i said okay great cuz i actually believed him he was so convenience but and thank god i didnt have money on me cuz if i had i would give all my infos but thank god i didnt give him anything and so he ended the convo right away cuz in my opinion he knew that i would go back home and look up the company name and i will find this post and so i will never come back and give him anything and that’s exactly what happened and thank god i’ve read this post this author is genius thank you so much screw those guys

  68. Anonymous/InvestmentBankingAnalyst

    I tried out Primerica towards the middle of December. I am a young college student interested in Investment Banking and was told by an ex-financial advisor at a prestigious firm who attempted to act as my mentor to join. He was strange, deceptive and refused to answer why he supposedly “left” this well-known company which had me a bit concerned. Anyways, being a young, naive college student I listened to him and eagerly tried out the company thinking I could use them to get my Series 6 and Securities licenses and quit. I had no desire to pursue such a career related to insurance, as I prefer investing. I immediately sensed that Primerica was a Pyramid Scheme and after taking the 20-hour class, refused to take the exam and e-mailed the woman at Primerica that I was no longer interested in pursuing business with them. The following day, the ex-financial advisor disconnected with me on LinkedIn and I have not heard from him since. I was speaking with a friend who was an attorney and he agrees Primerica is a pyramid scheme and that the pair even though one was not a member of Primerica were working together in order to make money off of me. I suppose this was a good business lesson: Carefully research a company before immersing yourself in it. I wasted a month of my busy life and thankfully, I already maintain a good internship at a wealth management firm and did not leave it for such stupidity.

  69. Anonymous with Accounting Degree

    I got suckered into almost joining by two very good friends. They are not now and I feel a offended that they would think I was interested in an MLM style business which I didn’t find out until later. They saw my FB updates about needing a little more income to start some entrepreneurial type things I was interested in. I already worked full time for a corporate company but just needed some side income. They contacted me, offered to meet me to just talk, and sat me down at a coffee shop (they wanted my husband to come to but he wasn’t interested). They went through my Finances and sorted them all out and gave me a plan to pay everything off in a pretty cool schedule/plan. I have an Accounting degree so I already had a great handle of budgeting but this was really impressive. So, I was interested and I REALLY loved the couple and was glad to see and hang out with them after so long. But, I didn’t want to join “the business” they lightly mentioned because I didn’t really see any real income coming from this and I knew I could make more money doing my own thing if I applied myself. Come to find out the husband was the one who was really pushing me to join the business after I had TOLD them I wasn’t interested in anything besides getting my finances together and I would contact them if I wanted to buy insurance or whatever. NO, I was special and needed to join and they offered to pay my fee, the $99. The wife was still skeptical of the entire thing but being a good wife she was supporting her husband. I would see this slightly desperate look in her husbands eyes every time he asked if I would be interested in joining. He kept pushing “What do I have to lose???”, “Don’t you want one of these nice vacations??”, “Don’t you want enough money to rent a space for your classes??”, “Don’t you want to own your own business?”. I knew that kind of pushiness in indicative of something bad but I gave in anyway because like I said, I loved the couple and I really did like the financial planning part of the system. If I could teach that to other’s, that would be cool right?

    I suffered through the classes only to never hear about my financial planning budget ever again because my reps had no idea how to put one together. Their higher up had done that for them. I was bugged to come to those meetings that were a complete waste of my time. I work full-time and train in martial arts. If I’m not doing something productive I’d rather be at home sleeping and spending time with my husband. They really wanted my husband to come but that still wasn’t happening. The grand kicker was the way the regional representative (and the speakers) used THE BIBLE to justify us serving a great cause? wth. No! Even the classes were weird and subpar. I would try to ask the instructor questions about the topics and he would tell me not to ask questions just memorize the material and take the test. After all of this fiasco, they have become very distant friends and I FINALLY own pretty successful and growing business now from my own hard work. Primerica pushed me over the edge. They kept touting how much of a hard worker I am and how valuable I would be to them. So, after leaving them I channeled all of that energy 110% into my own venture. I don’t go to unnecessary meetings or bother my warm market because it’s a legit service. I get to work on my own hours without having to report to ANYBODY. THAT’s owning your own business not this MLM stuff.

  70. Andromeda

    I have some question?

    * What is a pyramid scheme exactly? Is that where you have a head honcho at the top and workers at the bottom, like, I don’t know, Walmart?

    * If Primerica is a scam, how have they been in business for almost 40 years? And, how come there stock is listed on the NYSE?

    * Isn’t it true that a lot of consumers aren’t sophisticated when it comes to insurance, which is why there are so many scam artist out there taking advantage of them?

    * Mercedes sells their cars at inflated prices, are you going to do an web post on them next?

    * Is it possible that the services Primerica provides justifies a higher product cost?

    * Also, if someone wasn’t college material, and all they were qualified for is a $10-15/hr job, but they really loved their family and wanted to do more to provide for them, to where, other than another MLM type jobs, could they go?

    * Finally, does it have to have an hourly salary to be job? Can’t there be commission only “jobs”?

    * Oh, one other thing, if someone goes in for an interview, and they leave not wanting the job, how are they a victim, exactly? I mean, what was taken from them? A little bit of time, perhaps? I’ve been to interviews and left without a job. I wouldn’t say I was victimized.

  71. Tracy Coenen

    No, regular companies that are set up with levels of management (such as Walmart) are NOT pyramid schemes. A pyramid scheme does not refer to the layers of management that you see. A pyramid scheme is an endless chain recruitment scheme in which distributors recruit multiple levels of distributors, with money flowing up the pyramid to the recruiters at the top. Unfortunately, almost everyone in pyramid schemes lose money. (Unlike in regular companies where everyone makes money, although some make more than others.)

    There have been plenty of examples of businesses that looked legitimate that were not. Think Enron, Bernie Madoff’s investment scheme, etc.

    Yes many consumers aren’t sophisticated about insurance, which is why it can be easy for a Primerica rep to sell them a crappy product at a higher price.

    No, Mercedes is not the same thing as multi-level marketing.

    No, Primerica does not offer services that justify a higher price. In fact, I would argue that their services are worse than a traditional insurance agency or investment advisor because their people are by and large far less knowledgeable.

    MLM jobs are not jobs at all. Almost everyone involved in MLM is guaranteed to lose money. There are plenty of trade types of jobs that do not require college but that pay much more than $10 to $15 per hour if the individual is willing to work hard to learn the job and move up.

    Yes, there can be commission only jobs. MLM is not a job. It is a recruitment scheme.

    If the “job interview” is not actually for a job, and is instead for a recruitment scheme, then the person was lied to. Being lied to in order to get the person in for something that isn’t even an interview is wrong, and therefore the person is a victim.

  72. ASP

    A former classmate of mine saw my Facebook post that I was looking for part-time work and called me. She said she wanted to talk to me about something she & her boyfriend, someone I also know, were doing, and wondered if I would be interested in going to a little meeting at her office. She didn’t mention the name of the business at all, and her explanation of what they were doing – as others above have noted – was rather vague but revolved around financial planning. When I walked into the office with them, there were a ton of chairs positioned around this little stage, with some type of intermission-like video showing and loud remixed music playing. I sat through the whole thing and, unfortunately, was actually pumped up about it & ready to start making money! I gave them my information, and even the information from one of my credit cards (which I’m afraid that they will still use even though I’ve already called & told them to shred/dispose of the information!). I feel deceived, and I feel like my classmate & her boyfriend are being deceived also.

    I would certainly warn anyone who might be roped into this to DO YOUR RESEARCH!! Even though the warning that ‘”you can’t believe everything on the Internet” is certainly true – there are sites like this that give the true accounts of people who have “been there, done that,” and you should take heed. If you’re reading from the bottom up, pay close attention to what Tom (June 2014) & Anonymous with Accounting Degree (January 2015) have to say. I definitely wish I’d gotten the name of the business and researched this before going to that meeting & giving them my personal information.

  73. Karen

    Thanks for this post. I got a call after meeting with someone from the workforce. He collects his clients’ resumes and he did it in front of me. He works for the State of Florida. He told me he has to go through clearance and apparently he is abusing this priviledge. So this person who called said a headhunter has forwarded my resume to him and ask if I would like to work for them. He said they need a financial planner. I asked for a job description. Everything else followed was muffled. I got suspicious and ask if this is an mlm company (I don’t even know why, well, I know a lot about mlm companies from the past). He said no and proceed setting an appointment for me. I ask for the company’s name and he said Primamerica. He ask me if I know this name. I said no and he sounded surprised. He told me Primerica can be compare to charles schwartz, and a list of fortune 500 financial companies.Anyway, thanks for saving a hour drive to the “interview”. I can see that people working for this company are preying on people who have not done their research. No company would ask for a $99 fee and a hundred something more to start a job. BTW, a presentation is not an interview. When you write a resume, you’re looking for a job, not an “opportunity”. If this is not deceptive, what is? This deceptive practices should be reported. What agencies would handle this kind of thing?

  74. blank

    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! so annoyed blah@

  75. blank

    I received a call and was told someone left my name and number on his desk. But he had no idea who. From what I’ve read, I think I am passing on my “interview” this week. At first I was impressed; but not so much now. I’m glad I did my research.

  76. anonymous

    Well I actually went and talked to someone of those guys in the company but at the beggining I thought this would be fake because I ask one of them about the website and he started talking me about the money I’d make and he didn’t gave me anything but to be honest nobody have to pay to be hired.. Don’t believe in “Primerica”

  77. El Capitan

    Recently a dear friend of mine got roped into becoming a rep on the premise of “he’d be doing families a great justice helping them get their finances in order and providing them with term life insurance.” He proposed some vague idea to me one day and set up a visit to discuss. He had his “upline” with him during the visit and presented me with a PowerPoint presentation. Throughout the presentation I grew more and more skeptical. He then had a slide showing the “tiers” and potential earnings. The graph had 1 gent at the top and every subsequent tier had exponentially increasing members making exponentially less money. I asked, “how can I be that guy?” (pointing to the top of the pyramid). When I mentioned that it seems like a pyramid scheme the “upline” had a rebuttal for it immediately as they probably get hit with that comparison all the time. 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!!! I’m currently in the process of getting out of my tiered J-O-B and starting my own tiers separate and independent of my current J-O-B. All-in-all, aside from the financial advice that I found sound and pretty basic, it was a complete waste of time. I told them that i was skeptical and would want to research before committing to any policy or any “opportunity”.

    Weeks went by and I dismissed it completely, until I listened to this podcast:
    This sounded so eerily familiar to Primerica’s tactics and MO. I then started doing research and stumbled across tons and tons of negatives about Primerica.

    I then took a step back and thought, dissected the business model for my own benefit and thought what I would have to do to be successful at it (I over analyze everything from both sides). 1.) You have to be deceptive to your “warm market” (family, friends, and contacts). 2.) If the whole deal is to make money, you make more money recruiting not selling the product. 3.) Identify bulldogs in your contact list and recruit them so you can make money off those go-getters and build a strong “downline”. 4.) promote propaganda and sob stories of people getting shafted out of their whole life or group life insurance as a scare tactic. There seems to be a way to make money but you have to be highly deceptive and cut-throat, oh, and pretty desperate to make money in MLM. I could do it but dabbling in ventures that call on questionable morals is not my thing. Would people join if you were 100% truthful to them?

    Here is another good read that breaks down how much the corporation makes just from recruits, and reps:
    “100,000 reps times $25 a month equals $2.5 million a month from its own employees.”

    These MLM ventures seem to prey on the 9-5-ers making minimum wage with the promise of making a six-figure income. Of course that is enticing. 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). Kool-aid anyone? Most of the posters defending also seem very unprofessional and lack a certain level of education. Primerica is so desperate for recruits that they petitioned to make the Series 6 licensing exam easier. Presumably because the recruiting pool is getting less and less educated.

    Out of curiosity, why not expend the same energy to become successful at something you love and be at the top of YOUR pyramid and opposed to being at the bottom of Primerica’s?

    In conclusion I think it’s awesome that they make 30 million a year off active reps paying fees, from a business standpoint, of course. I would seriously consider investing in the company since, realistically, their pitch is great for the uninitiated and their motivational tactics (weekly motivational conference calls and meetings at fancy/lavish venues) work on those that take what they pitch at face value. There is certainly no shortage of dreamers and fools in the world. Oh, and I will be getting a term life-insurance policy, just not through Primerica as they do not show up on anyone’s top ten list of term life insurers. You can certainly shop around for better than what Primerica offers. Take their advise and apply it on your own people.

  78. Tamara Shepherd

    Tracy, I would be interested to hear any counsel you have for me, as I am planning to attend a Primerica “information” event for potential sales staffers 48 hours from now, BUT my circumstances differ from those of most posters above.

    First, I purchased a single mutual fund through Primerica about 20 years ago. It’s performed nicely and I’ve never had any problem with the company from my standpoint as a customer. I therefore come to this upcoming “information” event with a favorable impression of the company’s products.

    Second, it was I who contacted my Primerica agent recently, not the other way around, to inquire on an IRA rollover for my husband. It was in that meeting yesterday–and only after I mentioned that I had once considered working for Primerica–that my agent invited my husband and me to attend this upcoming “information” event.

    Third, my agent told us that he much preferred to bring in people to work just part-time, and he had for his first 18 months with the company, because it takes a while to support oneself in this or any commissioned sales position. I appreciated his candor.

    Fourth, I am a 57 year-old college educated woman (B. S. in business) who has stayed home with kids over the last 17 years, so a part-time position of some kind would allow me to more gradually return to the work force. This part-time position, in particular, I’m thinking might also allow me to train in a new-but-related field at little or no cost (save licensure fees).

    So you see that I neither need to support myself nor expect to support myself solely via my any Primerica earnings AND you see that this particular recruiter, my agent, appears not to use the deceptive and high-pressure tactics used by other recruiters discussed above.

    I don’t dismiss this reality that commissions in a MLM organization are necessarily lower than those one would earn in another sales setting. However, I’m wondering if that might be an acceptable trade-off for me, if this setting offers the gradual training and the part-time opportunity (at first) that I’m seeking?

    (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.)

    Thanks for your any advice..

  79. Tamara Shepherd

    P.S.–Also, as to objections from some of the above posters concerning licensure fees charged by Primerica, any financial services company must ensure that its agents are licensed, just like real estate agents (or engineers or accountants) must be licensed. That’s the nature of working in several industries overseen by a regulatory body. It appears that some above posters (mostly young) do not realize this?

    Finally, in the course of mulling this decision I have read at Primerica’s own website that new life insurance agents earned $6000/yr on average in 2013, I think was the year cited. In another spot on their website, they suggest that part-time agents may expect to earn about $500/mo (which is also $6000/yr). I don’t see any suggestion there that newbies may expect six-figure earnings?

    I do wonder if some above posters simply aren’t aware of either the licensure fees part of several industries and/or of the time and effort required to build a client base in any commissioned sales position?

    But again, I’m still chewing on this and your thoughts on these matters are appreciated.

  80. Tracy Coenen

    Tamara – I have simple advice: Don’t go. I think it’s great that you’re considering getting back into the workforce, and it’s probably a smart idea to start off part time. If you really want to sell financial products, you’re much better off doing so through a company that is not an MLM. Most of the money on the financial products you sell will go to YOU, rather than some pyramid. (The Primerica reps will tell you their payment structure is no different. They are lying.)

    Remember that Primerica reps have something to gain with whatever they tell you. I don’t.

  81. Tamara Shepherd

    Point taken, Tracy, and thanks.

    One last question: Might you also direct me to the financial services provider anxious to hire a gray-headed, chicken-necked, bifocaled old crone–whose work ethic and ethics generally are strong?!

  82. Tracy Coenen

    Tamara – Most of them!!! You would be an independent contractor, so they don’t care what your age or appearance is. You get paid if you sell, and that’s all they care about. I would suggest insurance agencies and companies like Edward Jones.

  83. My My..

    [promotional material removed]

    Why would you not want to help your friends, family, and referrals with this information?

    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 isn’t a ‘9-5′. The people who give up on this business don’t understand the potential of having your own business and life. You are followers, not leaders, and Primerica is looking for leaders.

  84. Tracy Coenen

    Multi-level marketing is not a business. It is a pyramid scheme.

    Primerica doesn’t look to good to be true. It’s awful, and it looks awful. Yes, the company offers legitimate products. Those products should be purchased at companies other than Primerica. MLM is not about work ethic. It’s about finding suckers who can be talked into signing up for the MLM. Don’t confuse this with a real business.

  85. Just got a call from a Primerica recruiter, who set up a alleged interview for tomorrow. Realized after I had no idea what this is, and noticed he mentioned a “group thing” which made me suspicious. Googled my way here. So glad I did. Will not be going to a sales pitch to get me to go do sales pitches to other saps. 100% commission pyramid scheme? Suck my ass. Thank you guys for posting these.

  86. Jean Mariee

    I was about to have an interview tomorrow but I cancelled it. Once reading all these reviews I called back my recruiter and asked for more details about the interview and he was vague. Then I asked about the $99 asked of you when you interview and he laughed and said are you on Google? He didn’t think to clarify my concern so I cancelled the interview there and then.

  87. Mike

    I went to the first interview today. The man who was telling me about the opportunity was upfront, and I kill myself working two jobs.
    I’m no stranger to mlm. I was an Amway distributer years ago. Now that’s a successful company, but many fail. Very few people want to do the hard work that’s required to succeed. I did the hard work, but realized that I am was more ambitious than most. I dropped out because most people shop for bargains rather than invest in the business. Most all businesses fail, traditional or mlm.
    Now comes Primerica. Probably not the perfect business, but everyone I know needs to improve their financial situation. I know I have to invest a whopping $99 to start my business, and another $25 a month for news and training. Can anyone who is successful in a traditional business start a business for that little of an investment? Anyone?
    Before you try to pick apart or look for excuses not to be a recruit, maybe you just don’t believe it can work or it’s you you don’t believe in.
    Once again, most people need financial help to get where they want to be. Most will say no, but I just want to help them get answers and maybe I can get them a solution. Some will say yes, not to be recruited, but to take control of their finances.

  88. Andrea

    So, if the concept of an MLM is to make money off of the effort of others, how is this different from a Real Estate Broker? I ask because my husband is a real estate agent and his broker always gets a piece of the action (along with everyone else in the office)… the broker recruited, hired, licensed, and trained my husband… my husband works his ass off… the broker doesn’t… how is this not a form of an MLM? And my husband just hired a newly licensed “recruit” to help him get his new business started… but has negotiated a portion of that agents’ earnings as compensation for helping him get himself established… AND this new agent will also be splitting his fees with the broker.

  89. Tracy Coenen

    Andrea – You’ve misstated the “concept of MLM.” The whole purpose is an endless chain recruitment scheme. Every person recruits, and everyone below them recruits, and everyone below them recruits, and so on.

    Real estate agents and brokers are not in the business of recruiting. They are in the business of selling real estate. There are two levels of people in the business, not infinite levels. The first level is the office or team level, the second level is the agents who work for the office/team. Yes, the office/team gets part of every sale because they play a part in every sale. So an agent sells a property, and the agent gets a commission and the office/team gets a commission. End of story.

    You say your husband someone to be in the office and is getting part of his earnings. I think you are mistaken. I think your husband and this other agent are going to be doing listings together, so they will each get part of the commission. If the new guy lists a property himself, your husband won’t be getting part of that commission.

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