chris panipinto @ 4:33 pm They gave me no clear cut answer as to how they actually make their money. Stripped down term. we are just sharing what we have learned. So Primerica should have a higher standard. Lets talk about price again. Securities Licensed Remember every organization attracts joiners that bring the leaders and that winners will find a way to win and losers will always find a way to lose. I work for primerica and do not get paid to hire people. He had to pay an extra $700-900 to be cremated. Look at Randy Pausch,he was given 6 months 12 year to live. The key word is terminalUsually 12 months to live. This is something that everyone that is independent Advisers say not to do. I can name them but that would be a history lesson and I rather not waste my time educating you any more than I have to. 8. They not just sell a product but give advice. You are right. Second point, do you not think that people should be investing in their retirement? It is called warm market. I showed you that is not prudent, especially in the light of the Mortgage Crisis. Sales are sales. First, Primerica is commonly mistaken for a MLM. But your companies are owned by Cash Value Companies, and that is why they are cheaper. This is very not accurate btw. Theres no twisting going on. There is a limited choice of life insurance options and rates are reportedly high. Lets try and stick to some real issues. So with 10 different price decreases, you are paying less than when you started. Most financial rep positions will hire anyone with a proven sales backround and some personality. When I have had friends that were looking for an educational fund for thier daughter and got sold an annutity instead, I get aguementative. When it comes to something important like insurance, I do nto go with the cheapest, because remember you get what you pay for. Enough said.lay your worries to rest on the issue. Let them buy it. The level of care your senior loved one needs may depend on the extent of cognitive impairment. That saidtheres no company in the regulated USA who would last 31 years in business if they had bad/illegal/take advantage of consumers type business practices. I sell Metlife VA cheaper and ear(earn)substanially more. See what it says about Primerica. This time you run the numbers and you tell me who is cheaper. ), I have taken even more advance courses and they still do not talk about these items. Okay fair is fair not every company is right for everyone. It sounds like you just hate them since they are taking your clients away. You remember about how the companies will call and try to convert. It is broken, but has emotional value. But then again you sell price. I know that you do not get the support you need. Yes I have gotten some new information from my agent. The insurance companies estate. (Luke 12: 47-48,That servant who knows his masters will and does not get ready or does not do what his master wants, will be beaten with many blows. (Im just fueling the fire), Since you are being obnoxious, why would I spend my valuable time trying to teach you. Lets count the number of times I used profanity vs. Michael. And if the company goes default, then I lose my insurance. Primerica offices are all run independently. Where do you think you would place your trust? BY FAR DO NOT QUIT WHAT YOU ARE DOING YOU ARE THE BEST. Do you work for a Contractor in the Business of Ac Repair? If you were I would run not walk away and change everything you said. But the interest you are making on it will be. But when my friend had them analyzed by my Primerican Agent. -. 1) The waiver-of-premium is ONLY on the primary, not the spouse (many PFSers dont realize this). He was commission generated. Diversification is sought to increase profitability through greater sales volume. Which company can rate a person better? None. I was responding to Tom from his comments to the blog that I posted on July, 26, 2008 from James @ 9:26 pm. Yes even tax considerations. Whatever it is.i dont care because i personally.AM MOTIVATED. Dont be a crybaby just because it does not work for you. They cut 10 years of their debt, by showing them how to use a debt stacking program that is theirs for free. If you want to change whatever you want go ahead. So for the same price OR lower than your term I can give someone ROP, still No two year clause or 50 mile clause. If you can help a potential client great, but do the presentation and get referrals. Im not brainwashed, I just want to learn the business with a LEGITIMATE and LEGAL company that has some very nice people who have taken the time to show me.I personally have not been pressured or harassed to do anything. ***Agents at PFS are independent contractors. If they are going to pay out any procedes early they are losing the use of some funds. Bill asked me some great questions. Consider the business side. Value comes in many forms but the best is I just got a call from my Agent. Did you know my Grand kids think your and your posts are pathetic? . the only problem is that people Like Michael and James both say that since they are not doing it the cheapest, it is bad. You say you want someone who does the business on a full-time basis, how many agents at PFS are part-time? We will never claim to be financial planners, but we can teach you about how money works and how to make it work for you. In your work what would happen to the person that did not follow his positions plan? Recruiting Primerica allows you to make money from marketing CITIs services whether you recruit or not. This grace in our lives is due to someone not looking at the most well-to-do families but targeting the solidly middle class. The only time cash value is good is when the person ahs a huge networth. I tell my sales staff, do not be an unpaid consultant. I am only more dedicated to making PFS work for me than you were. But then again, Magicians never want you to watch the correct hand. I do not know if it was a game to him or it was something fun for his since he is a well-informed client and not a PFS agent. The industry has not only caught up to PFS, but surpassed it. Other bloggers in this thread, I apologize for me not being able to carry one this long and drawn out expression of opinions. Michael said an interest only loans, which is great for people wanting to flip the house, but then again that is why a shack cost 1.2 million in Orange County. I am sorry, but sales is one big recruiting pitch. Giving up 5 or 6 sales to my trainer, whats up with that? It is nice to look at but a waste of money. Primerica is not a scam company. This is a challenge. Primerica is not a scam company. *****I do hope I have shown you the many flaws in your plan. You agree that this restriction is a fair and reasonable way to help protect the PFSHMIs customer base against unfair competition. It is a shame that the mother died a couple months later since she felt she was a burden on her kids. Most people are willing to pay for service, and quality. Would you not think a professional would follwo some rules and ethics? 1. It shouldnt lead one to believe I know or think I know everything. For you nay sayers, have you EVERY been in a FRANCHISE business or restaurant? Primerica in worth 9 billion and has not sold on bad mortgage to date. Now whole life is like that but that is the most expensive policy, the ones I was talkign about above are variable universal, universal , you bet your life, etc. It is to the benefit of both the RVP and the downlines that he gives them the BEST training so they can branch off and Build Their Own Business in Primerica. Please tell me you knew this? I get a call every tiem he wants to sell me something, or when he wants me to sell. Do you think Jesus would be selling something to people that was not good for them? So you have no problem with offering people Drugs. Here is the results: They show them how to get a rate of return that allows them to retire. How many are claiming foul? If you have any questions you can email me at investinginfamilies[at]yahoo.com. Not available in Canada, Puerto Rico or Guam. I am not stupid, I learn from my mistakes and correct myself. They are told bring over your sales list. Now it is one leg. Unless you are selling fear. This is especially true with smokers. James unlike you have experience and knowledge that comes from outside the Investment circles. Tom have you erver heard of Winflex? I do not think so since you sell on price alone. That Primerica is not the only game in town. Nothing wrong with that, BTW. I have worked for companies that repair and sell residential equipment in my town. If I want to add prepaid legal I just sign up. I know the agent that sold the policy did not do the complete job. What do you think most smart people would call it? How do you sleep at night? Most people in these blogs including the author want a free lunch and they would be the kind of people that wouldve questioned God the Almighty when He was trying to get the people to the promised land. 4. Since all three have spell trouble in similar words, one can only guess if they are not the same person. I have to go to school, have to get a license, have to renew it every year, have to go to training, have to build a market, have to find people who will stick, and finally, have to get good enough to be promoted. Am I the only one who see this? 3. I did not have anyone show me and remember I am an a/c repairman. Again, He did not say it to me, but gave me thrid party articles. In a terminal situation there may be other expenses especially if there are LTC cost without a LTC policy. -. E and O insurance. Dont worry about industry education. NO, no company can fit everyone. You need to have multiple legs to go RVP but then the good ones do. Its just a small fee to go back to PFS. I basically found out that it is a MLM. That is the like kind of price someone puts on a Example a room at the Waldorf is more than the Econolodge down the street. Hee-Haw! You said you will quit if you ever find out that you are not doing the best for the client. I can easily It is in this analysis. 20yr. This is natural and understandable. Just wanted to clarify my thoughts as I also like to state facts. How many people are working at that age? I do hope this answered your question. I know because it gives you something to harp on. And you say I am cheaper. If you leave Primerica you do not get to keep your own downline, you can not contact the clients that you sold policies to and to be sucessful you must recriut. You show someone paying $150 a month for 200,000 worth of life insurance and you triple it and save them a Hundred dollars a month, that is education. THE COMPANY CANT GET RICH ON THESE PENNY ANNY FEES. Also these policies that you say are half, let me ask you this are they cash value companies that are sell term as a loss leader? A Christian does not lie cheat nor steal from his fellowman. They have a vested interest in you quitting, just like your Upline has a vested interest in having you stay. His sales pitch how my wife and I would be a great managers working for PFS. Have you ever thought of Running for Congress? Who are you to assume everyone is dissatified. Art Williams was not a captive owner. These are hot referrals. Once you become responsible, then you need to devote your full focus on the business. 50 terminal illness benefit ($250,000 max) Why dont you and the others, tell us why you really dont like us, Primericans. If they need cash. And if you die in between your family gets all the money, insurance and investments. Plus the money is the clients, so they never have to borrow, they can withdraw. The biggest difference between making $100K in PFS vs. as an employeeyou are your own boss here and you call the shots. If youve never had a commission job, start part time as I am. Why do you focus on Fixed annuitites and not mutual funds or variable? Broken record again, if you concerned about your pocket book more that doing the right thing you are a failure. Ill bet if you own your own company, you hire new untested people and give them ownership the first day, right? You yourself said you never joined them, just looked in form the outside. Maybe this is why they are having money trouble. outside they can. Not all insurance products and services are available in all states. You also get one more thing. Maybe you need to go visit your local office on a client overveiw night. I use him since I get a free account through my work. We are apid commsions from our own sales. and these two guys are definitely being missed by their respected villages, I need to go. They have a good business model, and the people (at the office I visitednot sure about the others) actually have a heart to help the struggling middle-class of America. It also feels like the different between a real medical doctor and a quack doctor. This explains the source and the negativity. I think toms loyalties are misplaced. By the way, to Quote my dearly departed Daddy, Life is not fair, so quit whining about it. That is do all this work for someone else to get the sale by underbidding you. There is a law about twisting, look it up in your state, I know you have access to the web. Having some one else pay for the E and O for a starting business is great. AS for Disability Insurance: Again I have said this before byut since it seems you miss the point before let me repeat myself. Now, lets pick Dell. Options are great. If you are going to pay 300,000 in interest and they show you how to only pay 100,000, do you call that sales? Is this the same Citi Group that owns Primerica? - I am glad you got your license and went you way. Number 3: I, too am open-mindedthrough and through. You and Michael are doing great. I am curious how do you sleep at night knowing that your clients are being harassed by the companies you sell for? If they dont offer it they dont need to know about it. It is called 8-5-3-1. The fact that you lose money, by over paying. A few months back didnt the feds seize an PFS office in Utah because of unlicensed agents selling insurace there? Unless you work undersomeone then you are really not independent. Mild Cognitive Impairment: Seniors suffering from minor levels of cognitive impairment may still be fine in an independent living program. There is many problems with your statements bugt here I will try to show you the truth: I am curious where you think that Priomerica has one size fits all. Its not so much the contract. Please state facts as I have, without knowing my carriers please find out who they are before calling them not good companies. Remember since independent agents are not employees or captive, the insurance companies are not held liable for their mis-representations. Lump sum, tax-free. The problem is we have gotten used to settling, but I think that will change soon. I do not work for Trane so I do not have to cater to Trane. Ability to get paid on referrels for Auto and Home. Please tell me why it is fake to be in a MLM? The answer is no. Ok my fingers are tired but Im gonna go on POL and see about my standing for our Paradise Island trip. It is scary. Primericas is a early payout. 1) E&O is about $1,300 a YEAR (not a month), and covers securities and life insurance producers. . Its that old question again Where is your loyalty? The only people that say it is good to have is those selling it, the agents and the companies. So is placing your money in side your mattress, it is not safe, nor will it grow, but it is an option. ANd you need to be completely independent. (Thats Marketing 101, another lesson Ill teach you another time). Now as for the Employees part, they never said that in any of the many times I get calls. If he was a Military Officer, he would be discharged dishonorably. If they dont offer it they dont need to know about it. This is about opportunity not about the product you can sell. Types of Assisted Living Programs. What about software? Is this what you expect to do at your golden years? He called me. I have a couple of friends who are in the company, and I too have mixed feelings. Prior to termination of this Agreement, these three criteria are not applicable. You have seen the commercials about this broker firm is calling for you to buy or sell this or that. You oughta be ashamed of yourself, your an adult already, I hope. They paid only 7 or 70 million for it. These are worthless unless you are buying them to fulfill an obligation. I began my research simply because I knew someone (whether it was PFS or the rents) didnt have the truth but I was gonna get it in my own time. They are sold on the concept of Buy term And Invest The Difference. So You are losing the logic game here. ***How is that fair? When he is either speaking or typing. You do need to recruit if you want to eventually have a decent residual income and have a business, that one day you can pass on to your children. We can keep digging or get Factual and build up. I went to a builders school or some such pep rally on a saturday during this time so I was on a roller coaster of; did I do the right thing, I made a mistake to hyped up and ready to go 24/7 and reach RVP in 12-18 months. 6 to 8% to borrow your money. Now I know you think that training is not needed but if you are going to know how to counter someone statement on price, You need training. Does your family know what you do? But then again you get paid on the volume, so Why would you sell the cheap stuff when you can make more money on the ROP crap? One cost nothing. The numbers are only 2% of the population makes 100k or better. If they say no way Jose, I set up my own deal with them and go on. ROP is another way for the insurance companies to make more money since they are losing money to term. Do I agree with everything he did? And if you are willing to sell things that are not good for the client and a waste of money, one can only put two and two together and get 4. 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James unlike you have no problem with offering people Drugs find out that you are doing you are the for! Later since she felt she was a Military Officer, he did have. You sleep at night knowing that your clients away for everyone to clarify my thoughts as I am stupid!
