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I already worked full time for a corporate company but just needed some side income. At the end he asked me for my number and said he had a wonderful opportunity for me because he loved my customer service,attentiveness and bubbly personality and he thinks i would be great for his company. I think that phone call was probably someone in the office calling him to tell him that he was at an hour and that he could go ahead and wrap it up. Just dont give up! 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. We walked out to our cars, him telling me about how successful the evening had been. With all the information on the internet available to everyone, it is crazy to me that people do not at least look up the people and businesses they are considering getting involved in. The interview was over after he scheduled a home visit to talk to my parent and im cancelling that appointment because Im 95% sure im being scammed. 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. All-in-all, aside from the financial advice that I found sound and pretty basic, it was a complete waste of time. Worst case scenario, I figure, its a connection or something. Seems like she wants to help people. He made it seem like that was the main focus of the company. I gave him my actual SOC. StephenH195425 [OP] Experior Financial- FRAUD! Also this company has to be licensed in each state by the Insurance Comissioner. I never found out how I go from asking a guy if he wants a financial health check to getting a 6-figure salary. Thanks to these comments I will not go. You can get a reasonable life insurance plan as a AAA member and should deal with a real bank or well known investment firm with your money, people! I was thinking it was odd that I still didnt know the name of the company. Now, the warning flags were popping up like crazy! With traditional firms (i.e. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. Here is another good read that breaks down how much the corporation makes just from recruits, and reps: Im looking for an admin/clerical position.. She is a mere pawn unknowingly victimizing her own family and friends. Now, though, I felt different. Im canceling my interview for tomorrow. The recruiter may actually be vague in most cases when trying to get people to come check out the company but that doesnt mean they the information you will get about saving for retirement, etc is false or lies. wow I was suppose to have a interview with a person from pfs investments . I called her back to be polite but she didnt answer. Plus his wife worked full-time here too. 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 picked up the phone and began to dial but I noticed he pressed *69 first.. what, he was blocking the outgoing #?? A former agent at It Works, an MLM selling beauty and weight loss supplements, told her firsthand experience of the flawed structure: "We were negative $1,000 after 18 months. The building that the interview took place at was unmarked on the outside and rather desolate on the inside, and it was situated next to a masonry business past the outskirts of the nearest town, of all things. They just tried taking a mortgage out for half a million and the bank denied them because neither of them have a real job or make enough money. It was a group interview. Im so glad I found this site. 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. I was VERY unhappy in my job and I had been actively looking. Im a server and i waited on this guy and his family. Contrary to rumors out there, Primerica is not a pyramid scheme. It sounded awesome until I really started to think about it. (TWO not even 50 years old yet!) I replied BJs (actual restaurant thats very good). He said well if someone were to tell you i can supply you with all the equipment to cook, but you would have to build your own client tale it wouldnt do to well right off the bat right? i said agreed then he replied well thats what i can help you with. I have morals, I have my beliefs, everyone has their entitled opinions. I should be filling out my own application. So me and my friend were at the store when a guy randomly came up to us to talk about his wifes company. 2.) A lot of people here who are unapologetic in their refusal to show up to a meeting they said they would go to after doing research, coming down on agents about ethics. I, as well was duped into attending an interview and I knew right away something was off. Its funny how my perspective has changed. The guy on the phone was super nice and seemed waaaaay too eager for me to come in, especially since I told him up front that I had no financing background. We finally found David. 90% failurethat is high percentwhere did you get that number? Another middle schooler came in and went directly to the back where the party was. Also, back then Term insurance was much more novel than it is now. I already work full time. They use the classic BAIT and SWITCH for everything they do. I got a call a little while again and it seemed very odd. I was referred by a friend who recently started working there. They offer insurance, investments, debt consolidation, and financial advisers. The man called the following day (just as he had said he would do). God am I hungover. Criminal background checks required. If you never got paid for telling people, would you still tell people about it? Didnt add up. So I got a call from the so called vice president of the company, mentioned they were seeking to hire many individuals due to expansion. Person could not confirm how they got a copy of my resume, but asked that I bring my updated copy with me. Lawsuit Against Expert Witness Highlights Issue of Conflicts of Interest, Jackie What an interesting comment! Not a fan of recruiters that will give great compliments, offer big promises with no details & make unemployed people pay 100.00 to get started. The most obvious illustration of this was the outline he drew for me of their organization, a literal pyramid your work will be trying to enlist enough people that you can stop harassing your friends and family, and start luring in random people at department stores to hock insurance for you. Primerica has the BEST products for the least amount of money in the industry! He said to meet him tomorrow at 3:30 pm at the address he provided which was a Suite building. Just then someone clearly answered because he quickly spoke into the mouthpiece, his voice fast and sharp, Hi, Im looking for Amy I listened to the call and to him book the interview, but my thoughts were jumbled. I agreed to meet with her the next day at 6 pm (again another red flag). I knew immediately this was a scam of some sort. However, Im wondering if that might be an acceptable trade-off for me, if this setting offers the gradual training and the part-time opportunity (at first) that Im seeking? He stepped out of the office and I could hear him sound like he was talking to either a customer or another interviewee. When I started asking for e-mails and more information about the company. Now what?! If you want to sell insurance or investments, do it with a real company, not a scammy MLM. On top of that, the lady who talked to me one on one after the presentation kept trying to get me to give her more peoples names and numbers and I told her first, I didnt know anyone. Yes there are people doing it, there are also people playing in the NFL and NBA, should we promise every kid the can go pro because others are doing it? She said my educational background would be beneficial for helping middle class people., I was really confused about what she was calling about. My girlfriend interrupts the lunch, I get the sandwich boxed. 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. Notice how the representative not only deceived the job seekers. How come they are doing it without getting punished? Furthermore, in order to get into a hedge fund, one has to invest more than a million dollars out of pocket. I tell her about my jobs, what I used to do, etc. ONE EVEN SAID THAT PRIMERICA STOLE HIS SS# BANK ACCT AND AND ALL HIS FRIENDS HE REFERRED!!!!!!! I will not be going Monday. I hope theu chok on those miions $ they made when we went public . WOW. Im not looking for part time work. I just got snub because I was invited to a meeting while other try to tell/sell me how to get to the American Dream with Primerica doing good things for my neighbors and family etc. THe credit check should be about $30. Any company that loses over 220,000 reps/recruits per year (Can/US) either has a recruiting issue, or a job quality issue. I joined Primerica and spent about 2 years trying it. He then mentioned that my job was a pyramid, and asked if it would ever be possible to get to the top in my company to which I responded, ABSOLUTELY!!! Eventually he told me that he was not offering me a job, so I was even more puzzled. This was my first piece of evidence that what they were saying literally was not adding up. I stared at it blankly for a moment, noticing how low the numbers were. Stupid questions.. Ive been disabled for four years and i finally got a job release in feb 2014.Since i had to change job careers,its been hard drawing my former job skills to be applied to another field.Im currently in a job program called DVR(from the department of labor)in the state i live in.For the past 2 months,ive applied to many jobs thru them and gone out of my own with little success..lol.Ran into alot of companies like primerica.So now before I have the interview with any marketing/sales company,I do tons of research on the computer.Had a person contact me from bankers life and casualty say that im good to be part of his team and told me to come to his office at 6pm for the interview.Only to find out that its a presentation with 14 others,10 left after an 1 1/2 hour presentation(only surpose to be a 40-mins).i was one of the 4 and he liked me and set up an second interview.Took 2 weeks to get back to(and only got set up due to my ongoing calls to him for it)me and set up the meeting the next day-they did the same thing as primerica only they actually had a call list from the do not call listings they use for their referrals for me.A $99 dollar fee plus $149 for inside training upfront.I said NO and that was it.My DVR supervisor gave me a reference for a job that turned out to be a primerica rep.I had to follow up this time and called her-she contacted me that nite at 9:30pm(odd time)and told me that her supervisor would call me tomorrow-he never did.A week went by and out of blue the primerica rep called me and said that she was sorry about her supervisor didnt get back to me.But this time i was ready(i did my research and found tons of very bad reviews and some good reviews from primerica corp. officers..lol lol.When we talked,her excuse was that her supervisor is better to answer my questions and would do so when he calls.He hasnt called but i already know the truth(on the surface and the deep inside shadly truth)about primerica-what they represent and who benefits from their company.I need a job now and need money soon before im forced to live on the streets with my wife.I cant start a new position on empty promises and payment upfront to pay to go to work to make alittle money in the first month after i work 80 to 100 hours a week..lol.Doesnt make sense and its just a waste to put forth lots of effort,time,gas,sweat and patience to make little money just to barely live onlol. Very very unprofessional company. Primerica is the greatest opportunity to have your own business ever created. Conversation went out and he tells me he likes my personality in which Ive been told many times over. Some guy came up to me at the grocery store today and without provocation introduced himself and told me he worked helping people through financial services and teaching people what they should have been taught in school. The caller introduced himself as the vice-president of a Hudson based company and told me that he had found my resume online and that he is looking to expand his company and is interested in adding some people to his team. As cool as this possibility sounded, it just seemed way off, I had many red flags that popped up and wanted to inquire on them, one of which I did, but figured Id investigate a bit first. I am left feeling overly annoyed. I showed up for the interview and no one knew who I was supposed to be speaking with. Long story short, I sensed and saw scammers written all over their faces. Please look up elizabeth warren cornering the president !!! At the time though, it didnt sit right with me. In this review of Primerica Aaron Goldsten, who was a representative for a year in the mlm primerica financial services reveals the truth and talks about the. That fact in itself should be an embarrassment to any organization, requiring immediate action. Young people of united states and canada please pass this pages along to your friends . *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Its about finding suckers who can be talked into signing up for the MLM. During the call I asked her about three times for a website link or something to see if I would like working with her but she avoided giving me the website, I had to ask her about three times till she finally gave me something, and even that was just the name of the company. A full 84% left prior to obtaining their insurance license. Again, we talk a long time. And he was on his phone during the interview and it just all seemed so fake and phony. She told me she would call later that night, but it was about 2 hours after the time she originally said. Thank you for this information. He said they are looking for people to sell financial products and to recruit and train new employees. Said business partner called me on a Sunday afternoon. When you feel the need to bully someone like that, there is something lacking in you. *69 doesnt block the outgoing number. Take their advise and apply it on your own people. Im scared after reading all this that i fell for this scam and now he has all my info. That is a big reason why this company has so much negative publicity online (even on its Wikipedia page!). This deceptive practices should be reported. At first I was impressed; but not so much now. Well John went into his little script of how he found my resume off of Careerbuilder and thought I had what it took to help the business. Im on vacation. OK if that is the case then why are you driving a 1995 Toyota Civic AND why does your wife work FT AND he also had a PT job at GEICO!!!! During our brief phone chat, she asked if I knew Primerica and I told her that I hadnt. I agree with your assessment that Primerica is not by definition a pyramid scheme. Yeah definitely not going to this after seeing the mass amount of negative comments. MLM is not a business. Thats just the first of many. I told him I work 3rd shift and that I can try. 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. I dont know man. He frowns and shakes his head at me. (Even then that is to be seen) They clearly have a lot of red flags, and I dont think businesses should be allowed to run like that. The guy who stated the *69 comment, yes that does call back the last call, so why tell someone that you are blocking a call and why are you calling back a number that you already talked too?!?!? New recruits today have to work much harder than recruits of 10 years ago to be successful and you have to be willing to push right to the limit of your ethical convictions to do it and the lines can get pretty blurred. I just received a voice message from Primerica, they had gotten my resume off of workone job site. I figured that was the end of it, but she kept calling for a week after. So I bit and went to the interview. I was brainwashee by Islam and than when finally was free away from and than this so called god/family/business cult comes along Oh how sorry i am for my 10 years of life Its all recruit, recruit, recruit and eventually a profit will be turned when enough people are in the downline. You will lose the business and the friendship. Primerica. If you do not mind cold calling for many hours of the day, have no problem deceiving others, are a good speaker and type A personality, you can make money although now with the internet and all the information out there it will be much harder to convince a friend to buy a 100,000 term life with you for twice as much money as they can get it elsewhere. One person wrote that she heard people cheering YES we do that because we support the people who are working and we give accolades to them. I was so flattered! Primerica IS A PYRAMID. I was approached by a husband and wife in a Neighborhood WalMart store. You are not your own boss if you have to hand over your personal contacts to your Primerica rep and get no pay for having to attend their training and info sessions. I said to him I got a call for an internship two weeks ago but they never got back to me, so I was actually happy to have received that call from him. Then he went even further to explain that he could help my parents lower their insurance, debt, and help me pay for my college textbooks. I asked what does this have anything to do with life insurance, or a job? It is mostly about convincing them to but term life insurance of which, the first yr. payment is split among his upline. She gave me her spill . I hope this helps anyone considering Primerica or any MLM company for a career but dont let desperation drive you to a poor career decision. I was the first one there so I put the lights on and tidied up a bit. Called a local Primerica agent in the spring of 2011. When we get in rm 232 some guy said oh welcome here is the pepar to fill out, I was wondering if this is real? . Anyway sort of brings out the negatives in the post. The VP told me about the $100 fee and the test and how much money I could make working for primerica. A review of their Company of Destiny report big earners chart, once applying the fine print written below it, reveals that only 1% at best, of all the reps in their entire history since 1977, ever broke the $50k level, once or more, during any best 12 month rolling window. He told me he has to go through clearance and apparently he is abusing this priviledge. I arrived at what was clearly a low-cost rental space, with walls covered in transparent attempts at making their company seem legitimate meaningless trophies, pictures of random people posing in groups, etc. When I ask again what is the role of being a customer service to the company, all that he is saying was that I will be talking to their clients. Cost varies depending on the policy and the applicant's age and health profile. It calls back the last received call. Then once the first lady satrted talking all I could see in my head was Wolfe of Wall Street. The rep was upfront, has his Primerica advertisements with him at the event, and never tried to make it seem like it was a job. I have just cancelled my policy after 20 years because they increased my premium by 370%!!!! here is to you. He had pulled out a 4-6 page brochure that explained why everyone needs their services. Now comes Primerica. Primerica gives additional life insurance policies that cover 10, 15, 20, 25, 30, and 35 years. No legitimate employer is secretive about the position before you come in for an interview. Not going to the interview tomorrow. The interview ended there. Primerica is a legitimate multi-level marketing company based in America. 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. Regardless, I thought I was really starting the new year great but Im more relieved they taught us about pyramid schemes in high school. I didnt follow those steps due to a time constraint but thanks to your comments I know I will be making better use of my time! (including advances). Got a random call for an interview for a job as a trainer that I never applied to. After, of course, buying into the company and getting my license, etc. When they first came I noticed his wife was wearing a dte coat, I asked jokingly what company is this opportunity with, Primerica or Dte? He was strange, deceptive and refused to answer why he supposedly left this well-known company which had me a bit concerned. You broke ass people who work in corporate America all work under a boss. Thats the nature of working in several industries overseen by a regulatory body. Watch out especially for Melissa Allen- highly unprofessional, rude- and will say anything to get someone to an interview. As I walked away, I thought it was really weird and random that this woman would just walk up to me in the middle of a Target and offer me a job. My only concern is these two know where I work. * Finally, does it have to have an hourly salary to be job? Some will say yes, not to be recruited, but to take control of their finances. I asked him if he was headhunting and he said, No, Im actually early for a business meeting and your personality caught my attention. I am so glad I found these comments it saved me the time of going to somewhere that was not what it was suppose to be. This is how Primerica works. WHEW!! After he finished his little job show-and-tell, he walked out and in walked his grandmother, (Im assuming.) Very interested in knowing how you feel about State Farm and other companies that are taking clientssavings and withhold information to their clients so they do buisnes Is that not fraud? Once the new recruits, the professional-looking man and a scared-looking, awkward young guy who looked about 20 and was wearing ripped jeans and left on a bicycle, had left, John was photocopying the paperwork to put in the mailbag for tomorrow. I entered the room the woman on the phone had told me to go, there were about 20 other people in there with a presenter holding an iPad on his hand. They have my info and address and all kinds of info will they use it against me if I dont work for them? In fact, in a few months they are sending her to Atlantis. Tracy you cant help others unless you help yourself first. They are in business because our government allows multi-level marketing companies to operate. Question: Does anyone feel ripped off in their current situation? Typically I dont answer those and wait for a message. I got a call around noon from a company called PFS Investments. You would think that this would be BEYOND retirement for people who are setting themselves up with residual income. Thats how I found this site. I do wonder if some above posters simply arent aware of either the licensure fees part of several industries and/or of the time and effort required to build a client base in any commissioned sales position? If I could teach that to others, that would be cool right? In order to be on the NYSE, you have to be vetted. I totally see it now. So she asked me to go to an interview with her manager and she gave the adress and my interview is tomorrow but after reading almost all the comments above ive decided that im not going and im so glad that i saw this before going. Just got a call from a Primerica recruiter, who set up a alleged interview for tomorrow. Was met by slick, greasy sales guy in an office the size of a shoebox. As soon as I answered I heard someone making silly sounds and I wondered if it was someone I knew but no it was the gentleman who said he was calling me because my friend had recommended me for the job before I was a hard worker and he wanted to know if its true..we began talking for a while. Never realized Primerica was an MLM until reading what Tracy has posted. The first red flag of the call was that she did not state the name of the company from which she called. It all seemed so legit at first and since this was my first interview and Ive been looking for an internship, it seemed perfect. The plates say something like A-TEAM. Im 21 and just recieved a called from them while at work stepping away from the front desk i answered to a guy who gave brief detail about everything your reading above smh not going! id number? this woman I met about two years ago at my job . Sneaky how once she enters my house she runs downstairs and brings a male supposedly her manager. 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. My interviewer brought me back to a conference room with a glass wall facing the rather short, narrow hallway connecting the reception area to the back room where the party was. The whole conversation was geared towards selling me on deceptively common-sense information about what I assume to be much more complex financial decisions I have a friend who works for an insurance company, and given how much time hes spent studying for his degrees the claim that, in a few months and for $99, I could sell my friends and family (and then random strangers after that) on insurance was certainly too good to be true. He has no right to call people that didnt go to college dumb. I could barely understand the guy. Then I felt a bit ashamed for thinking badly as I remember Johns words to me, that he would always act in my best interest as an expert in building a business. He been calling me since. I got a call at work late last week from a man who said hed overheard my conversation with another customer and was very impressed and wanted to talk with me about a position with his company. Question for you, of those that dont do Primerica, what do you do? I tried out Primerica towards the middle of December. Those are games we leave for the devil. I decided to research the company ahead of time and it lead me here Might i ask the opinion of those whom have dealt with this company: my experience thus far, sans interview sounds eerily similar to some other accounts Ive read here. After reading this, I will make sure to block the number so I dont get any calls through. Just WRONG Disgusted!!! Its based on any rep earning $100k DURING ANY BEST 12 MONTH ROLLING WINDOW during their entire careers. Im going to trust my grandpa on this one. I get NOTHING from writing about multi-level marketing scams. Well, no touchdown today for you, Primerica! It is not a MLM or they would have been charged and gone the way of most MLM. If youre reading from the bottom up, pay close attention to what Tom (June 2014) & Anonymous with Accounting Degree (January 2015) have to say. pleasanton accident yesterday, hot dogs on pellet smoker,