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In Reply to: Today's Primerica posted by Len on March 28, 2005 at 07:56:57:
: 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
Len, I left Primerica 2 years ago and everything you asked about is still the same. The main thing is thier insurance is very expensive with only three rates; prefered, standard and smoking. The reason they hire greenies is because nobody who has a license and any experience wants to start at a 25% comission and work for a company with a bad reputation. Even after all that, yes they still have an elitist attitude. I found the real world of insurance and investments is outside of pfs. John
