He is now not always thinking about his clients best interest but sometimes his own. AS for being reputable, then why has it have been in so many different costly lawsuits? Tom if you are going to insult me please have facts I could say how ignorant you are because you know more than the agent about PFS then you contradict yourself by saying, As for PFS, I am not sure if they sell them. Tom which is it? Though there are successes, when you get into investments and mutual funds, the situation gets more serious. I joined because I like the financial services industry, couldnt make a transition to a full time to some other company so Primerica was perfect for me. (This has been proven to be one of the Mortgages that has caused the financial meltdown.) Which is what the loan officers did the last couple of years in the refinancing boom. They do have several ways to get your out of debt, the true cancer of the Middle American Family. That is your choice. First it is Systemic Risk not Systematic risk. how much money are the teachers making for sharing their knowledge with you? Let them make the decision if it right for them. Its going to happen and then the next morning when you looking in the mirror and thinking about the commission you just made and then remembering why you came into the busines to help people the leaving process will start again..Why, because in this instance the client may be a family member. It runs a minimum of $1300 for her and she is a captive agent. Being non-captive means to me, that I am not forced to sell one product, one service, or having one mindset. Lets call you out on the carpet or are you chicken? You were offered Primerica. Class for this License. Does anyone know the current commission levels at PFS? They, nor the E&O, will go to bat for the agent. You and Michael are doing great. If you know what you are tlaking about you will know this? When I was younger before I was an owner, I had a friends father die. I have fired people over ethical problems. But then again that will not stop the unethical, the lying and the half truths posters to keep trying to lie cheat and steal from their clients. They are worthless. I need to quit this, im out of your league on industry and products. Can you offer these services with PFS? Notwithstanding the basis for termination in Section 10 of your Basic Agreement, this Agreement may be terminated by either party with or without any reason or cause. LOL.. All the years PFS has been with Citigroup is PFS their only life Distributer? Matter of fact many of the major carriers were begging to get into this. Just like PFS, I do not work for them as a business owner. As I said, most people will pay for a good meal, for the service, for the fact they do not have to get up to get their drinks. Ideally I would like to be able to help everyone regardless of their situation and at least on face-value it seems like Primerica allows me to do that. Does Michael change his spots? Again, that was another example of me being unprofessional, just like you are insulting me about being a crook any selling whatever to gain a buck. I ahve already proved this in several areas, I love to see your termination notice. Tom, you twist facts and have the ability to not understand. And there have been recient rumors about us getting our own ticker and not being with Citi anymore and its very true. Banner Life Term, and you said Term is sold as a loss leader and you said IT (Its)(First, please use spell check. Since you said you offer these worthless products, does that mean you will sell what ever you can make a buck on? How many people that join the Gym in January are not there in March? And most people want to earn more money faster. Im not trying to recruit anyone. ****Do you know insurance companies are quoting policy ages up to age 121? And it usually is pretty costly. Please consult with your Primerica agent. And do not use the fact you can use it for savings. I think the cost is $99.00.. And a lot of small things. Always off the topic. Like how Primerica takes in 2% of the premium, but writes 6% of the coverages. I actually think, then respond. Thats business and welcome to the business world. If they need cash. ask your PFS rep. he should know a few things abvout ROP. There is a law about twisting, look it up in your state, I know you have access to the web. As for your thinking, I am not to sure about it. They say its a forced savings plan. I found a blog of a Primerica rep if anyone is interested. I mean TransAmerican owns buildings in every Major City. Most people become disable before they die . ___________________. (ii) the solicitation is of a Primerica Life insurance purchaser whose purchases of Primerica Life insurance resulted in your earning commissions (which should be evident, for example, in commission records provided to you); (iii) the Primerica Life policies that you are attempting to reduce, terminate or replace are less than seven (7) years old at the time of the solicitation; and (iv) the solicitation is of a Primerica Life insurance purchaser who lives at the time of the solicitation within fifty (50) miles of the location of any of the principal address(es) that you had during the one (1) year period before termination of this Agreement (as determined in accordance with this Agreement or any written amendment). . You keep saying you can find it cheaper. Micheal may think they are the best thing since sliced bread since he thinks price is the only thing that matters. I will preface this comment . Again you are making comments you do nto have a clue about. (Disability Insurance), Tom says: But as for the post here, They are here to drive a wedge between the company and agents. Sorry I screwed up. See you at the top. Wrong, but then again you still like to use Wrenches as hammers, instead of getting the correct tool. If PFS agent takes any information and do their due dillegence and deside to go another route, blame that on being a U.S. citizen. Im saying Primerica looks basically like a MLM because of how the commission structure pays out compare to other companies. Until then your RVP owns your business even after you become an RVP there are other companies that allow you to take your clients with you. Well nothing is truly guaranteed. I do this because I have a passion to really help people and when I get the mind set of commissions are more important that peoples futures, I then must leave the industry. No, since it is a waste of money, like accidental death and dismemberment. My advise to all here seeking guidance. not a bank or another company. It can work, but most of the time it does not. Since you are talking about converting, this is what my friend had done to him. Dont worry about industry education. _________. He is a flim-flam man that is leading you in a trap. If you are getting 4% on your 401K, and they show you how to get 8 to 12%, is this a sale? They know better, they know theyll feel and live better if they just took care of their weight issue.but guess what. I know for a fact that the competitor of the company I work at on a full time basis pays its employees higher. For a person who is just a client you seem to drink from the same kool-aid pitcher. Working out of you home is so ghetto. I was skeptical at first, but I had to change my way of thinking. Other than to enrich the agent. Dieting and eating right is just like. On one of them they did a loan, and there was not any advantages to the client. You say your just a client, then you say you went through PFS training, which is it? It cost more to get it by your self. Who told you that, the Primerica guy? The definitions and Part II of your Basic Agreement with Primerica are incorporated by reference into this Agreement and shall have the same effect on this Agreement as if they were actually included in this Agreement. Since most of the people that post here are their competition, and say being independent is so great, they say it because they do not want the competition. Tom at certain years depending on the policy a client Advanced practice registered nurse degrees prepare a registered nurse for an advanced clinical role. MetLife But they know the Grass is not greener on the other side. Back in the ALW days to me it was a crusade and Art Williams I have covered this so many times it is getting to be a broken record. . Tom has no ethics as a sale woman. top of that there are indexed annuities which you dont have. Other bloggers in this thread, I apologize for me not being able to carry one this long and drawn out expression of opinions. If you are working two 40 to 60 hour jobs, plus travel time, You will have no life, and no sleep. My wife and I did have Whole Life Insurance at one point, and we were paying over $300-$400 per month. Some general comments about other message boards. Do you think they would allow him to do that if he had any problems. In quantitative variables, ratio types are variables with true zero values and cannot have negative values. After that, you have several options such as exchanging for a decreasing term policy or an annual renewable term policy. NOw what do you get for the $99. Same reason why I hire salespeople that have sold to different companies. While the announced settlement is unprecedented in its scope and terms, investors should be aware that the devil is in the details. The ultimate settlement document needs to be carefully reviewed to determine any limitations or restrictions put on Citigroups obligations. Population health-focused MSN program, for aspiring leaders in nursing and community health. Need life insurance for your whole life. As for your terminal examples its just an option. LOL,,Give a person enough rope and they will hang themself. Many of the PFS people who post here will see what we are talking about in due time. As for making mistakes, yes I do. Second, you are saying for people that have little to invest for their retirement, that they need to risk it in stocks and bond and a certified by the state. American-Amicable. MedAmerica I just love showing how moronic the people who post against Primerica are. Doing just debt consolidation and such wouldnt make me a whole lot of money, unless I sold immense amounts. I am only more dedicated to making PFS work for me than you were. Let me answer some of his questions. ), The only reason to buy it out side work is if you want to pay more, and give your agent a hand at paying for his good life. They do not need income protection. . wate So why do you need convertability? It is not a smart option or idea, but it is an option. Well Fixed annuities are not good unless you need the money now. But then they would not have the stories about how they were only a housekeeper, and now they own their own business. Just like the 5 Star Hotels I stay in. No matter how you look at it. Again this is coming from a guy who had to leave Arizona and open a business. I am a sales forces owner. The only thing you learn in the classes is how to sell cash value, also known as trash value. FYI to all reading this and considering PFS. Pan American Life We all know that where houses are the cheapest place to have space. @Jack Said he needed get something from his car and was not scene again. I had to BECOME the right person. They may not sell the cheapest but then again they are worth their time. Any one saying differently does not have any value in the product they are selling. The point is if a life policy is court ordered and a person balks at the cost, they can use an Annuity along with the ROP. Well it may have dropped, but then again it goes up again. Nor are they ripping people off. When it comes to value, I rather not have some person who is looking for a sale to contradict the competent advisers that have no interests in making a commission off me. This settlement is to be effected by November 5, 2008. They say it is a waste of money. This deposit is refundable, something you never say. Some may not You say you want someone who does the business on a full-time basis, how many agents at PFS are part-time? 5. As for Ignoring me Michael, please do, it will keep my time for important things, like watching my money grow, in the accounts that I have through Primerica. Tom there are reasons why some policies have a lower cost. Now let me show you how a Proud Primerica RVP would answer your ignorant comments. A person can get a commission contract the same or better outside of PFS. Tom says: More compensation: This means one of two things, either the company is taking less, or the customer is paying more. If they decide to look at oter opportunities hwo carries the weight? And I thank GOD you are not my agent. Whatever it is.i dont care because i personally.AM MOTIVATED. But since the people you are talking about are being handled by lawyers. Damn you are right Michael. Something to think about for Mr. BMP..Primerica is a captive company so you will be only able to offer whatever products they say you can offer. It is used as a lose leader, something you give someone to get them into your clutches. Hee-Haw! Primerica really has three positions that they will hire on for a silent partner, sales agent, or management. HINT..They have gone down. I cant wait to get my IRA moved from the professional that I have it placed with right nowBy the way, I never hear from this guy. , Now since all these companies sell cash value, the problem is they are doing as a loss leader. I do know about that. I know you know everything. If you really were a Primerica RVP, you would know that posting here as an agent can get you in trouble. Never a full-time requirement. Now, since we all know how honest insurance sales people are, with their track record of selling the wrong product to the wrong people. Most Insurance companies have a histroy of lying stealing and conning their clients. Master's of Science in Nursing (MSN) There are several types of master's degrees in nursing. e This was also my situation (although I was older) I was single with single friends who had n mortgages and clung to the insurance provided by their jobs IF they had a job with benefits. They would charge more for people with bad credit scores, because they might use insurance more than peopel with good credit. Tom You buy there term for 10 to 35 years. I would think that side account would be drained or at least have a sizable amount used for health care cost. See it for yourself. its not too long thanks for sharing I would love to hear how things go after your appointment or after you work for primerica for a little while. Youll get your answers that way, and then you can make your decision based on those facts, and not just on how I happen to view the company., And you said: Again, bottom line: better products, cheaper products, more commission for the rep, more freedom and immediate ownership. I was under the impression that you get a percentage of your hires sales is that not correct? Tom has no ethics as a sale woman. There is a reason why PFS or any other company price their products the way they do. It is something that have been known for more than 30 years. Ask Any one about insurance, they say Buy Term and invest the difference. Well you are wrong here so much let me hit on the answer. a) I would like to see where that stat is. Look up Guaranteed Universal Life and the use of a shadow account. I plan to work as a nurse part time (have accepted an offer already) and plan to work with primerica part time as well. no war exclusion By the way my vacations are paid for by my investments, and the knowledge given to me by my agent. President Agreement, so long as you continue to comply with the requirements in Section 3 of your Regional Vice President Agreement and the non-replacement covenant and confidentiality covenant in this Agreement. He is nto the same person that started in Primerica, or he would never needed Primerica. Converting, this is coming from a guy who had to leave Arizona and open a business MSN there... My way of thinking on a full-time basis, how many agents at PFS account would be or. 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