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I was in the old ALW/Primerica and I left in 1994. The reasons for departure were many, including:
1) VERY high term products. Not even close to other companies. I could provide more coverage for less.
2) Local leadership
3) Became burned out by all of the ALW controversy.
After that, I learned much more about insurance, investments, etc. I have learned that while term is good for many families, other products such as VUL can be good if sold to the correct market and used properly. (Not looking for a debate here)
Now, it's been 11 years and a lot has happened. I have no clue what the company is like now. So, here are my questions. Hopefully, some of you can answer these for me:
1) Is the company's attitude that all cash-value is evil, all other insurance companies are evil, and all agents are trying to screw the consumer for a commission? This was the attitude back then. From what I have read here and there, it seems to me that they have mellowed out on this. Can you provide details on this?
2) What is the commission schedule for RVP and below.
3) How are Primerica's term products rates today compared to others like Chase and LBL?
4) What is the new leadership like?
5) Is Primerica still only interested in greenies only? Are they more professional at all?
Thanks
