BBB Business Profiles are provided solely to assist you in exercising your own best judgment. 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. 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. I need legitimate workdont toy with me. I can see where some think the avenue of recruiting equates to MLM but Id argue thats simply due to lack of knowledge. Not once did they mention anything about a job until an hour into this interview of them talking about prices for my family. I imagined some movies I have seen that resemble these behaviors that became movies because they didnt end well. Now I was really confused. I cant thank you enough. He had been eyeballing me since I walked into the store. I work with a woman who is always trying to recruit people by taking them almost 2 hours away to hear the presentation. Because who wouldnt want to make money a % off ur recruits even when your not there to make the deal.We scheduled another appt. So, after leaving them I channeled all of that energy 110% into my own venture. But still a very nice person . Operated a pyramid scheme: The company also encourages consumers to become Financial Education Services "agents" themselves, selling the company's services to other consumers. I remember hearing negative things about Primerica, but that was in the late 90s. This, by the way, was part of her voice message. A lot of people on here say Good thing I found this website. Cancelled my appointment with them. A long time ago one of these assholes gave me a card and took my info, sadly I was told it was a scam after I gave my info. LOL Alex. Very glad I googled this company and found this blog. No amount of money could fill the hole that would leave in me. Pyramids are illegal and would NOT be listed on the NYSE. 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 No, I am not very angry with the company. I do, however, believe it is very important to inform people about the truth behind multi-level marketing. I dont. 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 asked, how can I be that guy? (pointing to the top of the pyramid). She asked if I wanted change of career. 30+ years. LOL Stacy. Thanks for sharing and saving me the gas money! He asked if I had a job and I said no but I need one. Maybe you dont know that in order for you to have a successful business, you have to work like a dog to build it. For only $99 you can be licensed to sell insurance to others with us. I have a friend who just signed on with this company. A pyramid scheme is an investment fraud in which new participants' fees are typically used to pay money to existing participants for recruiting new members. Over 8 years ago but never did insurance with them. Fredericton, New Brunswick in Canada. Joke of a company, I hope it goes under. I am so tired of these scammers connecting with you and then giving you a sales pitch. The bottom line is that Primerica sells legitimate products and services (life insurance and investments), but sells them at inflated prices to generally unsophisticated consumers. I didnt want to be rude to him with my best friend trying to work there but it just didnt sit right with me. Well, no touchdown today for you, Primerica! Please dont contact me again. Ta da. 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. Before I knew it was Primerica, I thought I was going to be interviewing for Coldwell Bankers, who have a good and legitimate real estate reputation. When I walked into the office with them, there were a ton of chairs positioned around this little stage, with some type of intermission-like video showing and loud remixed music playing. 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. They guy even scratched his back while slumped into his chair. 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. Easy. The address to the building was messaged after the call. Anyone? The activity on this thread keeps the page at the top of Google searches for common phrases related to Primerica. I really went in to the sales pitch thinking I was going to interview for a position as an IT guy for a small regional set of offices. The receptionist and her shared a vague facial resemblance. However, the options you'll be presented with are dependent on your age. A customer commented to me that he was impressed by my way with patrons to our store. This is a pre-paid legal services plan that provides members with access to attorneys for a variety of legal needs. Thanks for the info. I have been invited to go to their local stoughton office for the meeting where i would be taught getting out of debt tactics while making $$; spoke about how his son was making 37k a month, his other son having a house built blah blah blah. Report investment scams to the right government agency. Nevermind they had all tacky, cheap, white trash decor. Our entire crusade is to teach people how money works we want to educate the clients so they dont get fooled by people like Citi we broke away from Citi when they were doing the wrong thing Primerica works from the highest ethical standards. It all felt very sketchy. The presenter looked like 19 years old and began talking about the company and that it was called primerica. I asked who the person was that referred me and the lady laughed and then said a name, and i did know someone named that but i hadnt talked to him in a year. Very happy with Merryl Lynch, thanks. His BTW came out his wife works for DTE because he says during this interview I always tell my wife after 10 years of her working for dte she will be able to retire and be a stay at home mom like her dream and that is soon, SO I ask, Do you work there during the days and at which location She tells me and says Oh this is just my side hustle everybody has to have at least one, I used to do make up and hair, weddings and birthdays, blah blah blah. The first level is the office or team level, the second level is the agents who work for the office/team. Ex boss is close with a bunch of guys who are all at Primerica around here. Maybe I should add only serious, legit, employers may contact!. Primerica Financial Services is a multi-level marketing company that sells life insurance and investments. Asking for comments. The program is administered by Legalshield (formerly called Pre-Paid Legal Services), which is the largest provider of pre-paid legal services in the United States. None of them could answer my question(s) without talking themselves in a circle. 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. We were all in this rinkadink room, looks like they rented and tried to make it look professional but it looks rushed and had meaningless awards on the walls. If youre reading from the bottom up, pay close attention to what Tom (June 2014) & Anonymous with Accounting Degree (January 2015) have to say. They are masters of manipulation, hyping you up to be a crusader for the middle class. Went for an interview/discussion today. 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. If you didnt get the license or actually go on the field then you know nothing. And this made me laugh what he said next. Im not looking for a job. If your goal is sales, join a traditional company. What professional business calls on a weekend? Its a churn and burn- they will hire ANYONE who can pass a background check. Any money i earn, or is traveled up to me, is tax free, so that means. She wore a black cocktail dress and quite a bit of jewelry. Money / Side Gigs. How likely is it that they can manage to fool all 50 of them? The plates say something like A-TEAM. All pyramid schemes eventually collapse, and most investors lose their money. Thank you for providing this information! I went with desperately expecting to land a job . So today I had a random phone call and I answered it only to find out it was a woman by the name of Jerica who said that Martha that I had met at my job referred me. He told me to come in for an interview, and, sensing some possible sketchiness, I had my boyfriend come with me in case someone tried to rob me of an organ. I dont dismiss this reality that commissions in a MLM organization are necessarily lower than those one would earn in another sales setting. An mlm opportunity is not a pyramid scheme when it promotes and sells products or services, not just memberships. (within the next 5 years) I think Jorge is actually Donald Trump. The hairs on my neck stood up when she spoke like this, but I figured it couldnt hurt to hear about the position. Term Life Insurance 3. But, I didnt want to join the business they lightly mentioned because I didnt really see any real income coming from this and I knew I could make more money doing my own thing if I applied myself. Looking them up, I found this thread and Im grateful I told him to take a hike. One from a news channel and some other random one. What agencies would handle this kind of thing? The woman who spoke with me on the phone came to the front and asked for me. After the presentation I went in to talk with the reps I talked to at the outset of the interview and we went over how the work schedule would work and they asked me what days I was available and when it got to the application portion, I hesitated. Georgia Insurance and Safety Fire Commissioner, 2 Martin Luther King Drive, S.W., 716 West Tower, BBB Tip: How to shop for financial services, Need to file a complaint? Thank you, I texted her your web blog and stated I WILL NOT BE SHOWING UP. He also deceived the new Primerica representative, telling her that he was helping her and teaching her how to recruit people into her downline, only to keep some of the recruits for himself. She wants to meet at a bar in my neighborhood on a Sunday (after church she stresses more than once) to have a chat. 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. Check this out: https://www.reddit.com/r/antiMLM/comments/8ctzhz/almost_answered_a_job_scam_they_yelled_at_me_down/. please dont look me up. They are legal, but unethical. The man on the phone was not the man at the meeting. Several times she mentions she is a Christian, in that mostly innocent way Christians sometimes do to feel out a stranger, trying to see if theyre on the team. So because it seemed so fishy something said google this company and see whats it about. He was strange, deceptive and refused to answer why he supposedly left this well-known company which had me a bit concerned. The first inkling of a warning flag went off in my brain. I basically got the same answers I received from the man at Target again. mail in a letter with your info, we will give you a call. The next day I came in for the interview and something seemed a little off. same here. So consumers are overpaying, and likely buying the wrong products. Multi-level Management is a pyramid/ ponzi scheme. 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? Nothing worth having is ever easy to obtain. Its legal, yes..but a scam in every sense of the word, that relies on cult mentality. 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. MAIN ADDRESS. Stopped at a job fair. They need to bring in new people all the time to train them, when all they are really doing is using up their warm market to write business. Thank goodness I didnt fall for that crap. Where you could start off making $2,000 a month easy with only 4 clients. 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. 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. He contacted me about a week ago about a possible part time job opportunity working for him in a company that he said earns him more money than his full time job at the funeral home. The whole you QUALIFIED to spend time with me thing seems ridiculous to some on the outside, I know. I have better things to do than waste my time being pitched for a scam that takes advantage of people who dont know better. A pyramid scheme is an unsustainable business model in which original investors make money by recruiting others rather than by selling actual products or services. It is a one time commission, for the duration of that 10-20-30 year policy. Many years ago I was involved with Primerica. I realized what it was after that meeting immediately. Thanks for this wb,I,m so glad for your comments,I ask questions and yes now I now the truth,thanks. Amway is a well-known brand based in the United States that distributes health, beauty, and home care products through a network of independent business . I assumed that would have ended the conversation. Would rather wait for another job. I was very interested in that. Then he started talking about me bringing in names of people to add to my team for my business. He told me that I would make more money by bringing in people. Lies and time wasting leading to a quick fumble at your wallet. I dont even know if youre someone I want to work with. But then again, I thought ruefully to myself, maybe he was right and I was too soft. I was livid but had to go along so as to get out of there. I was approached by a lady who came shopping in the store I work @ now. The man calling me in for an interview was very abrupt and gave very little information, besides the address and time. Nothing! Not going to take offer with the tidbits from this site as well. Broke people mentality. I agreed to meet with her the next day at 6 pm (again another red flag). I like to hear about the successes towhat did you find out about those that succeed at this? Over the weekend my family and I went to the Disney store to get my daughter a present and as I was shopping with my daughter my husband sort of stayed behind with my son, my husband was standing over to the wall when a pair of ladies came over to him and started saying oh how sweet your daugther looks with the princess out fits and how she has 7 kids at home and yada yada, my husband was clearly uncomfortable since he did nothing to start the conversation, he started to walk over my way and they followed him towards me, the older lady asked me if I was working and I said no, im a stay at home mom she seem put off by my answer and then turned to my husband and asked him the same question, to which he answered Yes, Im a plumber she made a coment and dismissed the reply by saying that she had a better opportunity for him to make money. That was definitely not the job that the Lord was showing me. 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. Agents make outlandish income claims that consumers can make more than $1,000 weekly in the scheme and earn bonuses of tens of thousands of dollars. This fat bitch who wrote this is obviously broke as hell and cant get off her fat ass to do anything. The interview asked me only 4 questions and asked me to sign a contract looking employment form and said that I need to pay 99 dollars to pay for a background check and that i need to get a license. ONE EVEN SAID THAT PRIMERICA STOLE HIS SS# BANK ACCT AND AND ALL HIS FRIENDS HE REFERRED!!!!!!! I then proceeded to google the companys name and before I could type in the full name I saw Primerica Financial Services scam, immediately clicked and was led to this page. Wow I just spent $99 on nothing!!!!!!! He asked us over 50 questions, where do you want to move? He picked up the phone and began to dial but I noticed he pressed *69 first.. what, he was blocking the outgoing #?? I just advise that people dont get that education from Primerica or any other MLM. It just all seemed very cheap and tacky, like the trinkets around the office. We are not a scam and there are no fake interviews. Some of my friends work for Primerica and do VERY well! if I say anything bad about them, he gets so upset. You can say all you want about how great the company is, but when a top RVP in a MAJOR metropolitan area of 30 years is sucking it, something is very wrong. I nodded my head in agreement and the interview was over within seconds. They have to recruit their own people. Now that I have read the previous comments I will not be wasting my Saturday morning to interview with PFS. Ex boss explains that he also wants me to set that up as an employee benefit. I stared at it blankly for a moment, noticing how low the numbers were. I got a call around noon from a company called PFS Investments. I will not be going Monday. Even asking the guy flat-out wouldnt help, he was pretty slick and dodgy at answering direct, factual-type, questions. This affiliation between the two companies is one of the oldest partnerships inside the Primerica menu of products and is fairly popular. There are bad people in ever field of work, the financial industry is no different, which is why they have strict rules in place. There is more money made in consumable products than anything else. She really did not go over what the company was about but said we will discuss during the interview and not to worry if I was not experience because they like to teach within the company. The one thing that did get me, however, is on Google Maps, the place did not have a name. So of course I gave him my number. People keep saying Primerica is MLM because it IS an MLM. So, I got up & left to find out who that company was. He said Id love to have you come and work for me etc. It was a group interview. I asked him if i got the license would the job be guaranteed and he said yes. User Andromeda is obviously a recruiter that works for PRIMERICA. My parents make good money and know how to save. Act really dumb and make them explain things 3 or 4 times. Needless to say I WILL NOT be going back. In the end i never scheduled a follow up. 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. She asked for my number that way her trainer would contact me to set up an interview. I studied and passed and was prepared for take the NASD Series 6 exam. Same thing as he told me when I asked him why I hadnt been told about the fee to write the state exam: we give recruits information on a need-to-know basis.. too much information would overload your mind and paralyze you from making smart business decisions.. No, I have never been a part of Primerica. Primerica has been helping Main Street families invest for the future since 1977. My fellow employees are a wonderful group to work with. Given my lack of experience, I was not sure if this was normal or not. Um And these were my thoughts. Ive read a ton of comments on other sites as well, and this is just not cool! I just received a call yesterday and had my doubts about the process, so I immediately proceeded to research PFS and found this article. I play along, cause I dunno. Ironic, since recent grads are the least likely to be able to afford to pay to get into this crap. I told her I will be but next month and gave me a choked faces and asked WHY, told her I dont have the money to pay for it. And this place is playing with peoples hope?! I said I dont have the money (but the back of my mind I know that it is already a scam). I would STAY AWAY from Primerica. They offer insurance, investments, debt consolidation, and financial advisers. I was so mad I couldnt sleep just thinking how deceiving people can be! I got there 15 mins early they kept me waiting for 30 while having a buddy conversation. I didnt understand how he could deliberately break a rule like that. * Is it possible that the services Primerica provides justifies a higher product cost? Schemes use generalizations. The whole thing seemed a little off to me. 5. opening up a store or a chain of stores with their very own factory. I thought an in-person cash payment would be appropriate for the funds but i guess not. The first red flag of the call was that she did not state the name of the company from which she called. Primerica just needs to do everyone a favor and be upfront about the type of business it is. if i clock out, it doesnt matter, they need help. It wasnt my first time hearing from Primerica. It appears that some above posters (mostly young) do not realize this? But I really like you. Were 30 mins in this interview, hes asked me for $124, 3 people i have to refer who will also pay $124, my credit card info, 25 phone numbers to also call and sell insurance too, and then called my parents for a home meeting. Be aware, I messaged on Facebook, and the account had comments saying Hey man, I think your account got hacked Ive been getting odd messages from you. It takes hard, Hi, I do not agree with you. He not once mentioned how or why he chose to contact me. Worst case scenario, I figure, its a connection or something. Anyway sort of brings out the negatives in the post. Two girls were there for the job too. He tried recruiting me so I took the interview mainly as a courtesy to him. After reading a lot of these comments I understand why many people feel Primerica is a scam. She lost her job and became an easy target from a fast-talking recruiter that filled her head with a pipe dream. That is why the poor get poorer and the richer who work there ass off get richer! I already work full time. I noticed several of the new people in the front row looked very restless, like they just wanted to get out of there. New faces=new prospects=new recruits=new sales. I have mine scheduled in a few hours..you saved me gas and time! He gave lots of the same info and elusive answers reported here. Primerica is a SCAM period. I am, so I said yes. Mike No matter what they tell you, MLM is not a business. I have an apparent interview with this so called PRIMERICA today and from reading these blogs I will not be going, this looks like Kirby (the vacuum cleaner) a 10 person session and rudeness and inconsideration to those looking for a job I dont think soI will pass on this thanks to all of your blogs its a fraud obviously and I am not going to waste my time on this, thankfully enough I do have a real job and to think I almost turned it down, I got a phone call from this lady name Ratna Kong she was calling me from her cell phone and she told me someone recommended me to her about a position, about being a supervisor and training I knew something was wrong when I couldnt look up her number on google or find her name or the company.thanks again. A pyramid scheme is a business structure that pays more for recruiting new members or distributors than it does for selling actual product. I emailed Mark back asking if 10 am worked for him. Is that really too much to ask for? Okay, made perfect sense. It is generally legal, regardless of the fact that so many have no chance of turning a profit in MLM. I took a few deep breaths and began to greet reps I knew as they began to enter for the Opportunity Night. I had an interview yesterday, and went, mainly because I was contacted about a trainer position, not a sales agent position. This did not yet trigger any alarms for me as I had interviewed with a couple construction companies on that edge of town as well in similar accomodations. PLEASE DONT GO. Thanks for your reviews, Wasting time is the #1 sin in job hunting. The following day, the ex-financial advisor disconnected with me on LinkedIn and I have not heard from him since. Another flyer announces two meetings. EX. Its just that the whole experience left me somewhat unnerved. Notice how the representative not only deceived the job seekers. What should I be doing? Action Affect! As I could see in some windows and noticed these people were sitting and waiting, I figured a lot of interviews must be happening around here. Then she proceeded to ask if I had a Facebook and dont I have friends on there and I told her I dont want to ambush anyone with this and she said they may thank you, I told her no and she said what about in your phone, you dont have anyone. Ever since I graduated my undergrad Ive gotten random phone calls from shady looking companies that I never applied to. Lesson learned. But upon going there I saw a completely different picture. She also asked me if it was true that I had management experience, which I thought was a strange question because if she had actually reviewed my resume, she would find that I indeed have about 7 years of management experience in both sales and customer service. Harrison sounded very legit. He then asked if I, personally, was keeping my career options open and I said yes. All I have to do is clock in whatever hours a week I want and watch thousands of dollars pour in. 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? The woman who contacted me on Facebook messenger, just asked if I had a financial advisor, and I said yes. I seem to have ulterior motives? The SEC found that PFS Investments Inc. had failed to have in place effective policies and procedures to follow up adequately on three complaints received about the Dearborn registered representatives, "selling away" activities. They talk about these bad reviews during training, saying they are written by people who tried the opportunity and failed. He had rushed through the call, creating the perception that he was a busy man with many interviews to call for a much-in-demand position, and when I asked the company name he rushed through that part as well. 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. Also they said they would need to talk to my parents, remember Im a student in school so maybe it might of been valid for parental consent, but to me this was bit fishy as this may have been a way for them to start getting business off me.