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So how did my interview go? Ugh. 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. She told the lady who contacted her to give me a call the next day. When she gave me speech about how they help people save money and so on, then she said are you ready to sign up for the classes? What should I do? 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. Then again two days later. Kool-aid anyone? There was two guys Anthony and some dude who looked like he snorted before he came in. Now that I have read the previous comments I will not be wasting my Saturday morning to interview with PFS. No, Primerica does not offer services that justify a higher price. The interview was about 30-40 minutes long so ill break it down into sections. I just went on a interview yesterday June 22nd And he made it seem like the right thing to do. A phone call is more personal, and taking down someones number to give to ones own trainer is the model we use. 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. All-in-all, aside from the financial advice that I found sound and pretty basic, it was a complete waste of time. Important Mutual Fund Disclosures Thank god for the internet and all useful information we find on it. I looked back to John, who had now moved on to the hard close part of the presentation. As I told others about my upcoming interview and was asked things like with who, I felt like an idiot realizing I wasnt given any basic details. They pitch like they are one the same level as other insurance companies. I think the biggest tell tale sign that you are getting involved with an ethically questionable company if you have to ask who they work for or grill them on their business model. Low-Cost Business Startup Not every business opportunity comes with a low-cost setup like Primerica. In fact, in a few months they are sending her to Atlantis. After the presentation, the young man asks me if I have investment services or life insurance. I was thinking it was odd that I still didnt know the name of the company. In fact, the only thing I remember from that call was his saying Citi weird. Its performed nicely and Ive never had any problem with the company from my standpoint as a customer. I did not quite have the similar negative experience as many posted, but mine was similar. Time and again, we see these lies and unethical tactics used to lure people into Primerica. Its not what you are told that is important, but rather what they arent telling you that really matters. She mentioned her husband company briefly and for someone else to pass on the info. Ive read a ton of comments on other sites as well, and this is just not cool! It seems the main issue was the lack of transparency by the Primerica reps when discussing the opportunity and the tactics used to get in front of the prospect. Primerica Debt Management How Can You Make Money With Primerica? We set up an interview for this Friday at 1:00. I want to get out of there now. The whole thing seemed extremely odd to me that they would be interested in employing someone like myself who has zero experience in this field. 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. People are much savvier now a days and really hate a sneaky recruiting pitch. I work retail so my hours are crazy. I guess I get to add to the list, I received a missed call, I dont 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 dont call this time nothing came up so I called. Then I looked up Primerica and this lovely blog popped up. ALL THEY WANT IS YOUR MONEY . For the person who did have a comment pro Primerica, I am adding this link: https://www.bbb.org/us/ga/duluth/profile/financial-services/primerica-inc-0443-6985/complaints. also I asked for what position ? Gather the information and make up your own minds. Turning people away from God will eventually turn you away from Him and all his promises for you. A pyramid scheme is a fraudulent and unsustainable investment pitch that relies on promising unrealistic returns from imaginary investments. Thank you, I had my interview with Primerica roughly two hours ago so ill explain my story while its fresh. I seem to have ulterior motives? So an agent sells a property, and the agent gets a commission and the office/team gets a commission. And I was like a job description of what Ill be doing and how the company works. For the second time since I had gotten here, a warning flag went up. Ponzi schemes simply require a cash investment to earn returns. They have my info and I am I assume there was a bathroom off the other direction, but I never saw it. If I had a little more information I wouldve researched the company, but there wasnt even a specific name, Im not sure why I didnt consider it a scam at the time. Sooooo after reading all the comments, I will NOT be going. I felt anxiety throughout this whole calling session. Everyone knows its MLM even though the company avoids the term like the plague. The meeting was for today, in fact. I was an ex muslim / teenager from afghanistan with 3 jobs when i got sucked into this unathecal business . May have to change my number now.what a waste of time an effort they are by simply existing. Nevermind they had all tacky, cheap, white trash decor. I was fresh in college, and desperately looking for a big girl job. And no, few people over 50 or 60 would renew a term policy as the rates skyrocket exponentially ($500-$800/month). I have followed this blog for quite some time. One last question: Might you also direct me to the financial services provider anxious to hire a gray-headed, chicken-necked, bifocaled old cronewhose work ethic and ethics generally are strong?! Thats just rude and disrespectful. So I asked if she had a website to see the company information and she said it wasnt set up yet. Well her assistant texted me the address and I like to research things so I researched it and the first result linked to a Primerica site with that address on it. I caved and spoke to her, trying to ask questions about the job but she was extremely vague and told me that she was having a training next week and invited me to come along. Yes, the fake interviews have occurred. In the end i never scheduled a follow up. The fact is, it takes a good person to spread good, there are many jobs out there that are good with bad people running, working for them. Ive seen people come in, get hyped up and quit their jobs, only to be screwed in a few months. The reason for a lack of business card is actually the business model of Primerica. This morning I received a message saying he was looking for 7-10 people to fill various roles in his office and wanted me to let him know of candidates. You are effectively a franchisee paying a franchise fee plus a percentage of your profits to the tier above you. 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? Just dont give up! This business is in a unmarked building near a woods, although that was scary enough I reasearched and found this. 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 am unemployed and the guy on the phone made it sound so good and easy to earn some extra cash. I didnt want to wright to much, sadly it got away from me. While finding this site, Ive come to learn there is an office just a few miles away in my hometown. I joined Primerica in 1999 for about 5 minutes. My father passed away in May. Yes, Primerica is an MLM. I am so tired of these scammers connecting with you and then giving you a sales pitch. And use to convince FLORIDA retirement sustem workerd to move there money with us thinking thatsba good idea and look what is the result ! I think this is so sad if shes not realizing what she has gotten herself into. 4. At the time though, it didnt sit right with me. She asked for my number that way her trainer would contact me to set up an interview. So glad everything that I was concerned about has been confirmed. She told me, I dont think of it as sales, but rather as helping people; dont you want to help people? I replied, yeah, by repairing computers, not by getting them to give me their money and expect unrealistic returns on their mutual funds! Well, dont you want to see what sort of assets you currently stand to retire with? No, came my reply, do you have a need for an IT guy or not? We need people from all walks of life! she reminded me. if I say anything bad about them, he gets so upset. Shame. Take up as much of their time as possible, keep them on a string. Absolutely disgraceful that there are companies like this out there. Long story short I didnt fill out the employee application because I knew right away this wasnt for me. I got recruited by this chick off of tinder. I could barely understand the guy. Operated a pyramid scheme: The company also encourages consumers to become Financial Education Services "agents" themselves, selling the company's services to other consumers. Something about honesty. I proceeded to ask him how he could make me a job offer without a resume and he gave a decent answer saying that he cares more about the character of a person and that a resume is just a piece of paper yada yada. It went from $53 per month to $197!! after hearing these non descriptive answers at this point Im like yea, ok very high chance I will not be showing up. I told him I was talking summer courses and I really wasnt looking for work but I actually was (does that make sense?). I was not familiar with, Pink Truth, a website I run about Mary Kay Cosmetics and other multi-level marketing companies, http://www.thisamericanlife.org/radio-archives/episode/543/wake-up-now, http://www.cisro-ocra.com/publications/LLQP%20Provider%20Results%20(Jan-Dec%202014)%20EN.pdf, Why Do People Join MLMs? 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. Anyone who lasts with them is a masochist. I feel so used and as they teach JUST A NUMBER ! I had the same gut feeling to google and see if this was a real thing. No, Primerica is not a pyramid scheme under the laws, because when you are investing $99 in this business, you receive a service, 2 days pre-licensing class. He agreed, however, I had a bad feeling about him and the conversation we had had and decided not to call him back. So glad I decided to do some research before going back. Everything Ive written here is true so please dont waste your time on these people. My Lyft driver actually was the one who told me I should come by his office but didnt mention what he actually did (broken record much lol). Sam The position of trainer really means RECRUITER. From then he sent us to different people to ask us some questions. This was my first piece of evidence that what they were saying literally was not adding up. He looks at me sadly and suspect. why are they still in business? I started to feel a bit angry as I realized that John wasnt really interested in teaching me, he just wanted to get any recruits in that he could. She said my educational background would be beneficial for helping middle class people., I was really confused about what she was calling about. I first indicated, I was not interested in selling financial products and not sure I wanted to apply. A huge amount of life insurance agents have their life insurance with Primerica because we sell the best product for the least amount of money and we know how to show you what you are getting so you wont be fooled by a scammer. I asked him if I should bring any specific documents with me and he abruptly said no and that he simply wants me to come in and talk with him first, also adding there would be some forms one of which would include qualifications I have and work history. I am really glad I did my home work on this company and thank you to every one for the honest postings I will not be wasting my time with scams. Now of course I realize that I was probably the only one who wanted to learn. It was a negative environment, no formal training, and they took all my leads. First of all idiot Pyramids are illegal! What legit company does that? He specifically mentioned that he was looking for a qualified office manager and that my resume looked like I was very well qualified. End of story. My name, what I do, how much Id like to make, what my goals are. Ok then why do you work at a retaurant as a sous chef then? ONE EVEN SAID THAT PRIMERICA STOLE HIS SS# BANK ACCT AND AND ALL HIS FRIENDS HE REFERRED!!!!!!! The so called VP is there and questions were asked and at some point, the so called VP (he looks like James Ingram) said that I need to pay $99 for my financial license to be able to get the job. Furthermore, in order to get into a hedge fund, one has to invest more than a million dollars out of pocket. Long story short he told us it was a company about life insurance and that wed help families bla bla bla. 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? Promptly at six a man walked in and introduced himself and said he was there for an interview with John. Similar situation to how I found about this market a couple days after Christmas. I noticed $99 needs to be paid. She lost her job and became an easy target from a fast-talking recruiter that filled her head with a pipe dream. They use your friends and contacts to start you 'business.' To get more percentage you have to get more people into the company. When I called her back to ask about the position and wages, she said, again, the position was a leadership role. International Association of Better Business Bureaus. No one ever said it was going to be easy, and if you thought it was, then i dont know what to tell you. Then once the first lady satrted talking all I could see in my head was Wolfe of Wall Street. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Later I learned that they do whatever it takes to lure someone out, then rely on the hyped-up emotions stirred up by the Opportunity Night presentation to get them to sign the agreement and pay to join. Thanks for sharing and saving me the gas money! Something about more information.. John said, crisply, Im offering an interview, thats the first step in the process. I do not have time to deal with a scam. But I really like you. You need to pay 99.00 for a background check and need my sos and license. I had really lost interest by the time he had gotten to the bottom of the first page. Ok guys,heres my story: I work two part time retail jobs and am seeking to leave both for one full time position. Ive spent 175$ in total so far. She then proceeds to pitch to me what Primerica does and how important life insurance is. Thank you everybody. Personally I have been in the company for 4 months and I have seen what a scam it is. I find it odd that a company that hypes fancy cars, unlimited incomes, and financial independence has a sales force where 99% earned less (and way less) than $50k during any single BEST 12 months, BEFORE EXPENSES. Do you even know why you exist? I have one question, how on earth such a place can exist for so many years, without drawing the attention of authorities? That drives traffic to this page, where potential victims are getting the real story and are able to avoid the company! Told my interviewer I would call him back this week with a reply. But MLM is a ripoff because they promote a false business opportunity. The company also restricts what you can and can not offer to people as well. Im not saying Primerica doesnt sell legitimate insurance and investment products. I went to all of the trainings thereafter, but it was the most painful thing to do. I felt awesome, like he had seen the potential in ME to want to spend time teaching me. She goes to the bathroom and I quickly text my girlfriend to come and rescue me. In reality, they own nothing. I walk around the corner and watch her drive off, then quickly whip out my phone and Google PRIMERICA. Possibility of excellent income. Hmmm, makes you rethink a few things. Especially because it just didnt seem necessary. Primerica offers a variety of financial products and services to consumers through their nationwide sales force. To start making money and sign up as a Transamerica distributor you will need to pay a processing fee of $100 and to start recruiting new members you will need to pay another $300. Weeks went by and I dismissed it completely, until I listened to this podcast: http://www.thisamericanlife.org/radio-archives/episode/543/wake-up-now I asked him if he was headhunting and he said, No, Im actually early for a business meeting and your personality caught my attention. We are not a scam and there are no fake interviews. Now I also understand more about success too. But I guess well see what they do to me and all of my information. If youre reading from the bottom up, pay close attention to what Tom (June 2014) & Anonymous with Accounting Degree (January 2015) have to say. But dude. Wondering if it was even actually possible. I was approached last night while grocery shopping at Star market. My friend convinced me to join, asking to partner up with me since he couldnt get through the door. I was (and still am) working as a cashier when I was approached by a woman pushing a stroller. 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. I just wanted to voice my opinion. To those who have met up with someone who promised to help them financially, the supervisor was there to help you if the rep quit because, as I said, this takes work and if you cant stand the heat you need to stay out of the kitchen. I also am one of the many that got called out of the blue for posting my resume online. None of them could answer my question(s) without talking themselves in a circle. It is not a MLM or they would have been charged and gone the way of most MLM. This is too real. This sounded so eerily familiar to Primericas tactics and MO. Was met by slick, greasy sales guy in an office the size of a shoebox. I sold Cutco like ten years ago and while I had a fun summer doing it and actually made some decent sales, I would never do it again. However, the options you'll be presented with are dependent on your age. I asked for a camp name twice she mumbled PCC really fast so i couldnt catch it. Blah blahI knew it was bs only because I have had encounters with companies like this when I was younger. In addition they needed close contacts, many may know as the warm market. 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. More importantly, I never found out why the middle-schoolers were there! A pyramid scheme is usually an illicit activity in which recruiters urge participants to invest money with a promise of high returns. 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. ones that are not MLMs), you will keep the majority of the commission on the sales of products. How fun. When i asked for a website he diverted the conversation to something else. I hope theu chok on those miions $ they made when we went public . FIRST AMERICAN NATIONAL SECURITIES, INC., PRIMERICA ADVISORS, PFS INVESTMENTS INC. CRD#: 10111 /SEC#: 801-72263,8-26486. Thing is I have a nose for pyramid schemes and multilevel marketers, so my radar was going off right away when I heard all the generalizing. He texted me his contact info after my ride and I noticed it said Primerica Inc. on it so I googled it to find out just exactly I was getting myself into. I quit altogether after 2 months because it was the most draining months of my life. The lead asked me for $99 upfront, which I did not have. 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. I thought oh boy! Its also sad that what is posted here is TRUE. This may be a rough road, dead end, pain, death and not get anywhere. He never mentioned an upfront fee, but if he does Im done with these. Currently my interview still stands, I was apprehensive since Ive worked exclusively in retail but excited to explore a new field of work. It smell like a pyramid scheme and look like ones. BBB Business Profiles may not be reproduced for sales or promotional purposes. He didnt even walk me to the door, shake hands with me, give me a business cardnothing! I follow their stock using an app called Searching Alpha, which is an app that has people doing analysis of various stocks. Im scared for my friend but I want her to figure it out on her own so she can see what this really is. The woman who contacted me on Facebook messenger, just asked if I had a financial advisor, and I said yes. What a waste of human DNA both of them ! Action Affect! Reed Slatkin - $593 million. Primerica Financial Services is a multi-level marketing company that sells life insurance and investments. He first asked me about past employment, what im going to school for (Chemistry major), my hobbies, etc. WOW. 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. A recruiter found me on Linked in and said he was impressed with my resume and feels I am qualified for a position again like everyone else I asked for more information and very vague did he explain to me the concept of this company. File a complaint about an investment or an investment account with the Securities and Exchange Commission (SEC). He gave me the address and time for the meeting andthats it. Those people in Primerica dont know enough about it to investigate, and once they find out the truth, its really hard for them to save face and quit. I wasnt amused. Am a cashier nothing spectacular, but I still enjoy it. PRIMERICA pls Stop dont west ppls time!! Multiple levels = MLM. Its not a business, its a scam. 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. Im not looking for a job. He acted surprised that I had not. Joe get Sally a $800 annual premium, (depending on your team members rank)(entries are REPs 25%) Joe will earn 25% of 800 =200(ONLY ONE TIME,THIS ONE TIME), (PYRAMID TIME) the remaining flows up the tunnel 75% (depending my rank) REP 25%, $200. The average individual earnings of their representatives is $5,156 per year. I didnt have to read much of this thread to decide that I am no longer going to the interview that I have scheduled for Tuesday. I went up to him and asked him about the office manager role. insurance MLM firm Primerica is a legitimate and long-established company. Multi-level marketing is not a business. Then she talked about the opportunity to make money, but it was NEVER presented to me by her; or any of the other Primerica reps that it was any kind of a job interview. We finally nailed down a day. Because MLMs are pyramid schemes in which 99%+ are guaranteed to fail. I was not at all interested in becoming a sales person. I would advise this company to improve its product and recruiting tactics to avoid getting continued poor publicity. Those products should be purchased at companies other than Primerica. Im so glad I found this site. Then he spent the next 5-10 minutes telling me that the company is called Primerica and what they do is sell life insurance, auto insurance, and help people with debt. But still a very nice person . I took a few deep breaths and began to greet reps I knew as they began to enter for the Opportunity Night. Also, Tracey thank you for your continued service on informing the public about MLM businesses. I emailed Mark back asking if 10 am worked for him. Yes, there can be commission only jobs. It sounded awesome until I really started to think about it. Mary clings onto it for dear life. thanks for the honest comments I well be cancelling my interview tomorrow. Good thing they never call me again. She asked if I was interested in working with them, and I said yes. Since I barely heard her, I asked about 3 more times before clearly hearing PFS, which I noticed she did not once tell me what PFS stood for. Tamara Most of them!!! So, I just said to him, actually there are 3 of them (including Curtis and a lady with a hair cover) that I will decide first and will give them a call within 24 hrs. Hence, the dance around questions began. One from a news channel and some other random one. I therefore come to this upcoming information event with a favorable impression of the companys products. When I called her back, she reiterated her voice message and went on to briefly discuss the position for leadership role for this company and requested to set up an interview. He kept messaging me even if i wouldnt give him a reply and somehow found my number and keeps contacting me. When I told my boyfriend about it, who is currently taking a bunch of business, marketing and economic courses (Im a FILM MAJOR so the fact that they wanted me at all should have tipped me off), he said it definitely sounded like a pyramid scam and to look it up. Talking on the phone isnt my strong suit so I just kept agreeing to everything and she was very busy but still managed to schedule an interview for later this week. They particularly seem to prey on unemployed, with a get rich pitch. Unfortunately, almost everyone in pyramid schemes lose money. The recruits have to pay $100 for a credit check and training. I go back into the bar and ask the bartender if a half-blind bartender named Mariah works there. Their higher up had done that for them. Each year, millions of people work hard in MLMs and do exactly as theyre taught, and they still lose money. I received a phone call yesterday and on my mobile phone, which despite the fact that I am looking for a job, I only mention in cover letters or to recruiters who approach me on my landline. My friend at the time asked if I wanted to join an informational session with Primerica and see if it was something I would be interested in. A very tan/slightly burnt, attractive young 20-something came in and spoke to the receptionist for a minute about her Florida trip and went to the back where I could now see more middle-schoolers, all dressed like they were ready to model for a Kohls back to school sale flyer. Had a local resident from Primerica call me as I often leave my card at the nearby supermarket as I offer computer repair services. Cancelled my appointment with them. my business. She never called me back or contacted me again. The big guy stated he made over $500,000 last year. 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. This is more of my experiences and not really bashing Primerica. I was just contacted by one of these clowns and told based on my god given gifts I would be perfect for this opportunity. If your goal is sales, join a traditional company. It was nice how they fooled some people but I was ready to go after 5 minutes, it reminded me too much of cutco knives sales pitch. So because it seemed so fishy something said google this company and see whats it about. I actually stayed with the company and received my securities license, but could not continue due to the trickery and deceit involved. My info along with my social number. At this point, his mouth is moving but I really dont care what is coming out of it. I got a phone call today for an interview and reading all this is really got me thinking twice, PLEASE READ, HOPE YOU SEE THIS! It has been at least 15 years. He said that josh said a ton of great things about me and he wanted to interview me for a position. You would be an independent contractor, so they dont care what your age or appearance is. Surely a man that professional-looking would be deterred by someone as inexperienced as me in the room, I rationalized to myself. He actually asked my associates, first, if I was a good manager, and then introduced himself to me. They get lectures about how they can earn as much as 110% depending on production and promotion as Vice President. This guy has spent 30+ years of his life working for a company that promises VERY SIZABLE returns but delivers very little. Primerica is a legitimate multi-level marketing company based in America. When I looked at the girls job title, I googled it and found this site. He picked up the phone and began to dial but I noticed he pressed *69 first.. what, he was blocking the outgoing #??

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