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In Reply to: Primerica vs. Helping Build Wealth posted by Sammy on July 30, 2003 at 19:43:55:
Sammy,
Here are some of the differences between HBW and Primerica:
You never have to recruit if you don't want to, (you can if you want).
You can move up on personal production. At Primerica you must recruit in
order to move up.
2. You never have to go full-time or have an office at any level. I am at
the same commission level as an RVP and I am still part-time and work out of
my home.
3. You are not a captive agent. You will have the products of many companies
to sell and this will enable you to find the best deal for your client. We
also have a list of 13 companies that handle our high risk clients, (i.e.
high blood pressure, diabetes, etc.)
4. The starting commission level is 55% for insurance and 40% for securities
and you can start higher based on your experience. At Primerica the starting
rate is 25% commission for insurance and 16.5% commission for securities.
5. Our rates blow Primerica's away. I know this from personal experience
because I was with Primerica. Our rates beat their by 20% - 50% and this
translates into more money for the client to invest.
6. We offer stock options to part-time and full-time people. All that is
required is $10,000 in production for the year to qualify for the options.
If you would like to discuss HBW in more detail then click on my name and e-mail me.
: Which company is the better to work for?
