Irvine, California
8 comments

well my question is should my family get the term life insurance that primerica offers. some of their agents came to my house gave a little presentation and well they did make me think of it as a good cheap way to ensure my family and invest in something that later on life will pay off but i've learned from people around me that you shouldn;t believe everything a person who is trying to sell you some thing says rather what those that bought it say. i have read some of the experiences on this website and they have made me think twice ..please if u have info send it or just comment thank you

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Anonymous
#36998

I have been shown that same presentation and do own a term life insurance policy. Personally I say get it.

I've came across people who seen this presentation and still currently favor their whole life product for the "savings." But their reasonings are if they were to invest that money outside their policy they would be charged taxes. This is coming from a business owner and a guy that knows what hes doing with his money. You seen the presentation about the insurance and yes that is the truth. If you can AFFORD to go with whole life, go ahead, but you seen the bundling and the unbundling, you make the decision.

Just remember that term is for only a period of time and WILL end at the end of that term. Your premiums will stay the same through out your policy and it is CLEARLY STATED in your policy summary. A lot of the time it is a lot affordable for families and does serve its purpose because we DONT need "whole" life insurance for our "whole" life because by then when you term ends(if you have kids, a mortgage, debt) all those things should be paid off and your kids will be grown off taking care of themselves. So just think its PURE PROTECTION and more affordable at that.

I do recommend shopping around for term insurance, but read the fine print and all the small stuff, that stuff will get you if you dont read it well. Good Luck

Anonymous
#34415

Maintain pressure!! We're having a large impact. *** America rvp's, svp's and "agents" are attempting to knock down truthful posts!

Anonymous
#34410

What has not been brought out is that you may not need death insurance. If you have something to fall back on, save your money.

Your goal is to build assets, whether they be real estate, stocks, gold and silver or something even more far out or a combination.

Don't go with Primerica in any event! I found out the hard way it is far, far from the cheapest, their products are far from the best, they have to recruit. Which means they do not attempt to help you, the customer. In 20 years or less, you may find that *** America has raised your premium by 600-12000 quarterly.

And that's if Primerica is still around. Because they are clearly a pyramid {there's thousands of victims attempting to sell to everybody - even their own relatives - in any city, even in a small city. A real insurance firm will have 5 or 10; a few more if the city is extremely large. Check the yellow pages or the website.

Type in the zip}, Citigroup, their owner, is attempting to sell it with no takers yet (March 28, 2008 WSJ, Section C).

Don't ask a *** America rep. They have no clue, as documented in other portions of this thread on this very website.

Anonymous
#30765

" I agree-Happy Customer" said

"But bottom line, it has to be customized to your needs and should be a reflection of your current financial situation according to your financial needs analysis that was done by your agent. Every Primerica agent out there has the clients best interest and NOT their pocket book. That is what I love about them"

You really think anyone is *** enough to believe the same *** you spewed on another thread as an agent, is from a customer on this thread? Pffffffffffffffffft LOL

Anonymous
#30720

Do your research and contact an independent agent and if your Primerica agent is for real (which I'm sure he/she is) they will encourage that as well. However, make sure you understand all the benefits of each policy.

Don't get stuck in a 10 year term (unless you are 55 or don't need any insurance in 10 years or just can't afford a longer term premium) that converts to a permanent whole life policy at the end of the term. There are so many differences between Primerica life insurance and everybody else and I just have to tell you that I haven't found anybody that could beat it yet. But bottom line, it has to be customized to your needs and should be a reflection of your current financial situation according to your financial needs analysis that was done by your agent. Every Primerica agent out there has the clients best interest and NOT their pocket book.

That is what I love about them. Good luck with your decision.

Anonymous
#29808

Research...reasearch...research. And remember whichever company you choose, some coverage is better than no coverage!

sfcity415
#29378

don't join them, they are bad, they are not good, i worked for them, they are no good, talk a lot of rhertoric. after you join them, and you find it its too late...

please help me spread the word. thanks

Anonymous
#29370

If you have no coverage at this moment get some. Contact an independent agent and and get other proposals. You can look in your yellow pages or ask other friends and family who they have used.

An independent agent will be able to represent many different companies.

If the Primerica agent can give you a better policy in your belief, go with them. Just shop a bit and don't worry about any pressure from any agent. You have the checkbook and you can say at anytime "get out of my home"...

If you would like to speak to a independent agents in your area go to www.term4sale and input some information and they will show 3 agents in your area. You don't have to input any personal information into the site. Just a word of caution, don't expect the best price. No one can give youa binding quote until the undrewriting is done.