Primerica Reviews

Updated March 21, 2015
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Primerica Co-CEO and Director and Chairman, Primerica Distribution John A. Addison Jr.
John A. Addison Jr.
204 Ratings

144 Employee Reviews

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  1. Love It Licensed within 3 weeks, trained 3 more, company reimbursed all fees, making $4-600 month. No recruiting req.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Primerica

    Pros

    Recently awarded most innovative products by Best Review because leadership always looking for best to offer middle America while ALTERNATIVE WALL ST. FIRMS don't often offer products targeted for middle America. Our target market are the folks Wall Street forgets! Love educational approach. Rarely selling on first visit, instead educating clients first visit and being invited back IF client wishes. Company motto is to look for ways to save client on debt consolidation, replace outdated insurance products and move all the savings into much needed retirement accounts. Love showing clients that not ALL 401k are alike, how various college Ed programs are better than others and doing most of this with NO NEW MONEY. Unlike MLM Or ANY sales firms we rarely ask client to put out MORE $$$$...all reps are state and fed licensed ( like real estate brokers), we work out of offices ( like real estate reps) and we don't sell "sale so" packages to New Recruits like some MLM's. Compensation is bases on productivity buy unlike MLM' s our average sale is $800 using NO NEW MONEY while very few clients buy $800 of cosmetics and If they did its money that should be saved for retirement NOT spent on depreciating assets. You DO NOT have to recruit as I do not to ear commissions on client business but you can build a sales team (similar to real restate broker) but like real estate only make override when your trained agents properly sell a valid item. Option to have a company website and significant Morningstar discount offered for $ 25.00 a month (extremely small $ 300 annual fee vs $1000 errors n ommissions many real estate offices require you pay ( ps, Primerica covers that too free). Scam? Well as you know hundreds of websites claim we never went to the moon or the holocaust never occurred so please consider your source!! Better yet look at things for yourself and take the time to fully research good and bad before making a decision that might change your finances for the better. Lastly many companies recruit and make money on the efforts of those recruits. Your company hired you and your manager makes a higher income than you, while the owner makes a ton on ALL of you. Doesn't make it a scam does it. A pyramid by the way is a company that takes money from you and promised you will make money by getting others to give THEIR money and promised that everyone will make money ( and many early birds actually will). There will be NO product being sold. This is illegal. This is what Bernie Madoff got lots of veyy smart people to do because they were all promised 39-40% returns which were believable because he did give these returns to the early birds in order to entice the rest. You may nor like selling Avon, or Mary Kay nor even like that they ask you to recruit to override your reps BUT they are not illegal pyramid scams ...and you do not have to recruit with them, real estate, or Primerica to sell a products and make a commission. You should look long and hard at any business opportunity and learn ALL you can and if it's NOT for you that doesn't mean it's a bad company or business. ( seek cons)

    Cons

    You will have to take the time to learn the business, Just like taking a college course you have to give this a certain amount of undivided time and attention to succeed. I knew plenty of folks (kids and adults) who would sign up for a course then put few hours to study THEN fail and blame the teachers, the course, for the school. anyone willing to study and put the time and effort into this OR any business they want will have success eventually. For MANY nth at is a big con because it's not quick and it's not easy. Looking for Easy? Not sure where to send you. Working part time retail? Not easy? Open your own part- time cleaning business? Not easy...Working a full time corporate job - not easy? Not sure there is any "job" whether legal or illegal that is easy!!! For me the pros of making the money I make here far outweighed working at my local retail or fast food part time AND here I have the chance to get better and maybe (maybe) go into a management track where I anticipate running into another set of "cons"" which I will have to weight when that time comes. All in all for the RIGHT person you cannot beat this opportunity.

    Advice to ManagementAdvice

    I hear new people saying that the POL site is complicated and difficult to maneuver around. Would you consider offering a video just on learning the site especially geared to those not tech savvy and/ our over 50 crow?

    Recommends
    Positive Outlook
    No opinion of CEO
  2. Amazing Company!!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee in Dallas, TX
    Current Employee - Anonymous Employee in Dallas, TX

    I have been working at Primerica

    Pros

    Allows me to work as much or as little as I want. I'm working part time and earning almost same amount at my full time job. I'm eliminating my debt faster and building a business I can hand down to my 3 kids. Can't wait to go full time with my team and reach and help more families. I personally have over $20,000,000 of Term life insurance in force protecting my clients and team!!

    Cons

    None AMAZING COMPANY and I will continue to recommend it to friends and family.

    Advice to ManagementAdvice

    Keep pushing the opportunity and products to help families!!

    Recommends
    Positive Outlook
    Approves of CEO
  3. How it works.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Regional Leader in Phoenix, AZ
    Current Employee - Regional Leader in Phoenix, AZ

    I have been working at Primerica part-time (more than a year)

    Pros

    Excellent True Business Ownership Opportunity
    NO Franchise Fees
    Excellent Training
    Sponsorship of all licenses
    Make money even before getting license
    Provides an amazing business website, very low monthly cost!
    ONLY $99 to the State for background check and 16 hour Licensing course.
    Bonus incentives

    Cons

    Training offices aren't always within 10 miles of your residence.

    Recommends
    Positive Outlook
    Approves of CEO
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  5. 1 person found this helpful

    AMAZING company!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Representative in Albuquerque, NM
    Former Employee - Representative in Albuquerque, NM

    I worked at Primerica

    Pros

    You get to help families get on the right track and set your own schedule. The leaders believe in putting God first, family second, and work third. Love this company!

    Cons

    It's not for everyone, you have to be motivated.

    Recommends
    Positive Outlook
    Approves of CEO
  6. 1 person found this helpful

    Best thing I ever did was join Primerica

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - National Sales Director
    Current Employee - National Sales Director

    I have been working at Primerica full-time (more than 10 years)

    Pros

    1. I can sleep at night. I feel fantastic about what I have been able to do for people. I have delivered over $20,000,000.00 in death claims to friends and family during their time of deepest sorrow and distress. I've helped people retire, I have helped people become debt free. I have created 100s of jobs.
    2. I can make pretty good money. For 34 years I've earned between $100,000 and 250,000 a year.
    3. I'm FREE. I have no boss, can set my own hours and call my own shots and have the company pay for fabulous trips to the exotic and desirable places in the world.

    Cons

    It isn't the company's fault but there is negative press on the internet that portrays the company incorrectly. It is frustrating when clients will believe the negative stuff and you know that they will be the ones that are hurt by it.

    Advice to ManagementAdvice

    Stay the course!

    Recommends
    Positive Outlook
    Approves of CEO
  7. Working in this company with a noble mission is so great and satisfying.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Regional Sales Leader in Rego Park, NY
    Current Employee - Regional Sales Leader in Rego Park, NY

    I have been working at Primerica part-time (more than a year)

    Pros

    Its like a family within a family where you help people to be financially independent.

    Cons

    Its always a challenging day every day, meeting different kind o people.

    Advice to ManagementAdvice

    A comprehensive training on product knowledge should be a must specially for the new trainees.

    Recommends
    Positive Outlook
    Approves of CEO
  8. 1 person found this helpful

    What an incredible opportunity I was given!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Senior Representative in Smyrna, GA
    Current Employee - Senior Representative in Smyrna, GA

    I have been working at Primerica full-time (less than a year)

    Pros

    Pros- There are several.
    - I set my own hours
    - I do not have a cap to my income
    - I get residual income on everything I do
    - I get support from a Regional Vice President
    - The harder I work the more I get paid

    Cons

    Cons- There are a few.
    - Need a background check which was not an issue for me
    - it requires working with and helping people which I'm okay with but that means people skills
    - if you don't work, you won't earn a lot of money until you have residual income

    Advice to ManagementAdvice

    Management should keep moving forward with hiring new applicants, as well as opening new offices. IMO that is what will help new associates like me feel like we have a chance to open our own office.

    Recommends
    Positive Outlook
    Approves of CEO
  9. 1 person found this helpful

    I bet you can't do it.....

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Division Leader
    Current Employee - Division Leader

    I have been working at Primerica

    Pros

    Fantastic training and support for helping you start your own business within a business!
    Unlimited market potential for all ages who are grossly underserved in becoming debt free and financially independent!
    Personal development comes with the job naturally, and carries through to all aspects of you life!
    If you never heard of Primerica, that's because we don't advertise, thereby saving our clients millions, I mean when you think about Financial Service companies that do advertise, who pays for the commercial?

    Cons

    Those who become involved, but expect a pay check for doing nothing but showing up to meetings will be disappointed and blame Primerica for their failures, and crash out of the business.
    Going in business for yourself in Primerica, against companies that are structured with a sales force that is on a low pay-scale or setup their office locations on a company draw and have a quota of orders to fill each month create a competition that puts the consumer in the middle, but thank goodness there are people out there that can tell the difference, and are not afraid to ask questions and explore their options...

    Advice to ManagementAdvice

    Keep on keepin' on!
    We do what's right 100% of the time.

    Recommends
    Positive Outlook
    Approves of CEO
  10. Thanks for the opportunity

    • Work/Life Balance
    • Senior Management
    • Culture & Values
    Current Employee - Regional Leader
    Current Employee - Regional Leader

    I have been working at Primerica full-time (less than a year)

    Pros

    I'm 71 and have 3 degrees. Needed to supplement my social security income but the only job I could find was selling cars long hours and poor pay. Primerica does not discriminate at all and gives everyone a chance. Great people, great training and what an excellent and needed service helping middle income families. What Primerica does is change peoples lives. .

    Cons

    There is only one catch in Primerica and its a four letter word. WORK. If you are lazy, looking for a handout, not willing to learn something new then Primerica is not for you.

    Advice to ManagementAdvice

    Keep doing what you are doing

    Recommends
    Positive Outlook
    Approves of CEO
  11. Life changing

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Regional Leader in Houston, TX
    Current Employee - Regional Leader in Houston, TX

    I have been working at Primerica

    Pros

    Opens your eyes to a whole new world. Take control of your own finances and teach others to do the same. Learn to be more positive and optimistic.

    Cons

    You must get out of your comfort zone.

    Recommends
    Positive Outlook
    Approves of CEO

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