All you need to do to figure this out is to compare it with a real financial planning institution like Pure Financial Advisors (www.purefinancial.com). Go to both sites, then, on the Pure Financial site, go to the link for the "Take Our Safe Survey". It will show you what a legitimate financial planning company is supposed to look like.
Primerica takes people with no prior experience, trains them in-house in only 45 days, and pays on a pure commission basis. That means that they don't have your best interests in mind, but their own.
I don't work for either of these companies, I recently did find out about primerica because they found my resume online and interviewed me for a potential job. That is when I discovered the multi-level-marketing structure nature of their business. Was very disappointed. They are harming the families that they say they want to help. Very disgusting.