Only said that his company was part of the stock exchange and made more money than Yahoo -_-. Thank you for the heads up!!! I cant thank you enough. Very creeped out. I make a very nice income for myself with a legitimate business. But It didnt make sense that I was not given the company name but did get a management position for something I know nothing about. Pre-Paid Legal/ LegalShield is a company that offers basic level legal services as a monthly subscription and a discount for attorney's inside their network. The guy was a fast talker and everything sounded muffled. MLM never has appealed to me. I though I was going on a great interview in my early twenties when I strolled into Prime America! Weeks went by and I dismissed it completely, until I listened to this podcast: http://www.thisamericanlife.org/radio-archives/episode/543/wake-up-now Now I also understand more about success too. About 20 minutes later I received a phone at my job stating his name was David. At first I was impressed; but not so much now. He also mentioned talking with a number of people at Lowes about how bad the schedule is here as I realized later, he makes the rounds at stores like this, trying to entice unhappy people into a get rich quick scheme. Reading this gave me something to do for a little while this morning and appreciate the honesty. They work as a middle man for various insurance and finance industries and get people to join through advice and supporting main street. The so called reps for Primerica find other reps and potential customers and they get a commission on it. Thanks for the heads up! I mean, what was taken from them? Do whats right. He told me to have a seat and that there was going to be a presentation. The red flags popped up when she mentioned what the massive amounts of money people save, from paying 14 years of loans in 5 years is mathematically impossible for the average middle class consumer. So what you are saying is that the other insurance companies must REALLY over elevate their prices. https://www.nasdaq.com/press-release/mary-kay-inc.-announces-awards-milestones-and-accomplishments-from-full-year-2022 Anyone quoting pink truth (aka themselves) like this attempted sub-feeder blog and the gm one, I agree! So this nice, well-put together woman is kind of a nice change to talk to. Often in a pyramid scheme, you'll be encouraged or even required to buy a certain amount of product at regular intervals, even if you already have more inventory than you can use or sell. Over 8 years ago but never did insurance with them. I dont remember exactly what he said to me but I realized Id been lied to and I was so mad that I just walked out. She is a mere pawn unknowingly victimizing her own family and friends. They prey on the uninformed, they want your warm market, and your warm markets warm market. So I looked up the address and found the name of the company. With all of you. This is how Primerica works. You broke ass people who work in corporate America all work under a boss. Notice how the representative not only deceived the job seekers. I totally see it now. The lady that answered, said Prime America, how can I help you. Also, MLM companies are notorious for overcharging and under performing. NOT the other person. Their higher up had done that for them. To those who have met up with someone who promised to help them financially, the supervisor was there to help you if the rep quit because, as I said, this takes work and if you cant stand the heat you need to stay out of the kitchen. Those products should be purchased at companies other than Primerica. As always, researching before contacting is saving me from MLM opportunities/, I had a brief interview with a ( PRIMERICA REPRESENTATIVE ) , right from the start i saw the deceptive BS that they where trying to scheme up. I felt anxiety throughout this whole calling session. I wen to to their office and was asked to fill out an application form. Ringing that bell does not make Primerica a legitimate nor a trustworthy business. I was at one of their interviews just a couple hours ago. 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. Yes, you must be licensed, for life insurance and securities. There are also barriers of entry ex: background check and licensing. And he made it seem like the right thing to do. This sounded so eerily familiar to Primericas tactics and MO. Allow me to tell you about it. My parents have been in these pyramids a couple of times, i guess you can say it runs in the family. Its a good thing Im not stupid and always look up companies before I contact them. I had the same gut feeling to google and see if this was a real thing. Thanks so much!! First of all, the company does have physical product within its structure - insurance and financial services around debt-solutions, investments, legal protection, etc. I also just had the same call and scheduled interview for friday. My info along with my social number. The scheme is called a "pyramid" because at each level, the number of investors increases. My experience was similar most all of have shared here. Anyways, Im cancelling that visit and now im off to the bank to change my debit card number to be safe. I told them I didnt had the money so the lady told me Icould go some other day and its been two days already and Im scare they use my social security # for a bad purposei want to go and get the paper and ripped off so i could feel safe but idk what to do Can anyone tell me what should I do. If I could teach that to others, that would be cool right? And we are educated, if we werent, we wouldnt have had researched about primerica. What legit company does that? And they didnt really seem to give a sh&* that I was cancelling. I didnt have to read much of this thread to decide that I am no longer going to the interview that I have scheduled for Tuesday. Im kind of worried they have ALOT of personal information about me. Report pyramid or Ponzi schemes to the Federal Trade Commission (FTC). I think this is so sad if shes not realizing what she has gotten herself into. Eventually he told me that he was not offering me a job, so I was even more puzzled. All in cahoots. No, a regular job is not like MLM. Asked for my phone number, stating that while he didnt know my situation, he would be interested in offering me a job. I made to RVP , sold alots of policies yes made money but when my comminity questioned 35 year term beeng level term company simply forced me to step down . They prey on our natural vulnerabilitis and at anytime any of us can find ourselves being lured in. Ironic, since recent grads are the least likely to be able to afford to pay to get into this crap. I should be filling out my own application. I received a call today from a lady at Primerica, stating that someone referred me, & she would like for me to come in for an interview on Fridaybut when I asked who the person was that referred me, she couldnt give me a name. I noticed that he put me as a recruiter on one of them, and himself on the other. Were not talking about a rogue recruiter here and there. I got a random call on my cell phone from a Primerica Financial Services rep in Charlotte, N.C. Said his office manager was trolling the Internet for resumes and found mine. He has no right to call people that didnt go to college dumb. She wanted to help this person out of her terrible job by interviewing her for a position at her business. This affiliation between the two companies is one of the oldest partnerships inside the Primerica menu of products and is fairly popular. Her last attempt was to try and sell the financial services to me. I agreed to meet with her the next day at 6 pm (again another red flag). They tried to get me to come to a meeting next Monday with the VP, but with my work schedule and doctors appointments for my two disabled children, that wasnt in the cards, so they tried to get me to show early for work tonight and I again said no, so they set up a meeting at 1:30 am tonight after I finish work. Taller than me by a little, he had slightly bigger hand but no grip. Why dont I just go for this so-called interview, gather the information they want to give me and make my own decision as to if its something I want to do or not (like Charlotte did). Check this out: https://www.reddit.com/r/antiMLM/comments/8ctzhz/almost_answered_a_job_scam_they_yelled_at_me_down/. I emailed them and set up an interview for tomorrow. I started to say but I thought and my face must have conveyed my thoughts because he impatiently rolled his eyes and cut me off, lowering the mouthpiece slightly, look, were not supposed to, but Im here to run MY business and I know what gets results.. I listened to all the BS coming out of everyones mouth. We set up an interview for this Friday at 1:00. I did go to an interview with him his office was eerily empty, a dark, one-floor building that looked more like a conference center than an office space. I literally have no experience in asset management, financial businesses or management positions. Ive been to these type of interviews before, any job that directly takes cash from you and its not for uniforms is red flag worthy (scam). I tried out Primerica towards the middle of December. Im an extremely brutally honest person, so when he asked what was on my mind i told him the truth. It was located on the northwest side of Chicago (also where the Primerica location is) in a building that was practically empty and only had a few rooms/offices one the 1st floor and a basement which is where we met and discussed this foolishness. if you dont have the internet, you hear about my place. I decided to research the company ahead of time and it lead me here Might i ask the opinion of those whom have dealt with this company: my experience thus far, sans interview sounds eerily similar to some other accounts Ive read here. But you can throw away a full barrel of apples because a few are rotten. Take up as much of their time as possible, keep them on a string. My friends husband was at least honest and up front about me in terms of selling insurance, which I appreciated. But again, Im still chewing on this and your thoughts on these matters are appreciated. I spend my time with people who show up. Another pause, then I saw his face relax a bit as he gave directions for the office and set up an interview for 6:30pm that night. I suddenly found his bragging really off-putting. She says its just a coat she found around the house she dont work there. Sam The position of trainer really means RECRUITER. Conversation went out and he tells me he likes my personality in which Ive been told many times over. Their company relies on always havinga bottom layer of sales people, they move up by getting lower level people constantly to do all the work. What agencies would handle this kind of thing? He then had a slide showing the tiers and potential earnings. People in MLM pay to play. Anyone who lasts with them is a masochist. Got invited to a "meeting" at their office. Then why was he so eager to get ahold of my stack of resumes, leads I had paid for?? She went thru a 45 minute pitch for their pyramid scheme. I had an interview yesterday, and went, mainly because I was contacted about a trainer position, not a sales agent position. So glad I ran into this, a man at a store who was very charming said they were looking for employees, I have had a bad feeling about him for about 2 years now and he has called like 3 times since, every time he gives me a little more information, it all seemed very fishy, finally said I would meet up this week but would google them first. Trust me, there are plenty of people who dont mind asking friends and family to buy something their selling. He signed me upNOW, after reading all these comments Im regretting doing so. There were 10 or so young men dressed nicely milling around. Young people of united states and canada please pass this pages along to your friends . He finally emailed me back saying that 10 works great but I would be speaking with David because he was busy busy busy! When you feel the need to bully someone like that, there is something lacking in you. Take their advise and apply it on your own people. Discouraged, I climbed into my own car and went home. they called me yesterday afternoon while I was at one of my jobs. Canada recently upgraded their insurance industry testing and training standards nation wide. Now I have my 2-15 and Im not going to waste that on just Primerica products. She sits me down and she gives me usual scripted mumbo jumbo how Primerica gets people out of dept through education, and how their life insurance policy covers families and how I can make $1500+ only working about 15 hours a month. They really wanted my husband to come but that still wasnt happening. BBB Business Profiles generally cover a three-year reporting period. Primerica is so desperate for recruits that they petitioned to make the Series 6 licensing exam easier. BUT, there was something not quite right about him, too smooth. but that neither here or there.) 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. Like many before me, I posted my resume online for an employment opportunity. MLM is not a job. There seems to be a way to make money but you have to be highly deceptive and cut-throat, oh, and pretty desperate to make money in MLM. Tuesday evening came around, time for the interview. She never called me back or contacted me again. When I looked up this company, I saw that they had an aggregate rating of 1.6 stars out of 5 on Consumer Affairs, and I felt simultaneously relieved that I didnt let them get my bank information by putting down the $99, and horrified thinking that I could have been among the many people that this company had roped into their scheme. He said he wasnt interested and she stopped him by saying that she wouldnt take no for an answer and proceed to schedule to come over to explain the details of her opportunity, we exchanged numbers and walked away since my husband was annoyed with the lady already, we bolted from the store and went home to google the name that i had seen on her sweater and we came across this post, after reading all of the comments my husband txt the lady to tell her that he was not interested in what she was offering and she responded with like three emails back to back insisting that she come over with her husband to explain to us what they do, since she was so vague at the store. I said okshe continued to talk balg blah blah. If you believe the internet only posts the truth, you are dreaming! I checked my watch. I, too, have an interview for tomorrow that I doubt Ill go to now! Identify bulldogs in your contact list and recruit them so you can make money off those go-getters and build a strong downline. The VP told me about the $100 fee and the test and how much money I could make working for primerica. In the classic "pyramid" scheme, participants attempt to make money solely by recruiting new participants, usually where: The promoter promises a high return in a short period of time; No genuine product or service is actually sold; and The primary emphasis is on recruiting new participants. The guy I did the interview with was bragging about how much money people made and that turned me off even more. Appreciate it! My husband got upset since he was at work and called her back and said no thanks and she said that she could put her husband on the phone to talk to him and try to convince him, my husband heard him out and said no thanks again to which he tells me the man was not happy and cut him off and hung up on him. I arrived at the interview and when I walked in the door I heard LOUD hard rock music playing. People keep saying Primerica is MLM because it IS an MLM. 2.Investigations of Allegations of Wrongdoing The compliance structure at PFS included two primary procedures that could detect wrongdoing on the part of registered representatives. As of 7 hours i have been in Primerica, I do understand what everyone is saying about it. But the point is, even then they required a fee to be hired. Suddenly she whips out a sheet and starts asking me questions and taking notes. And Im sure it is. Rome wasnt built in a day. People who smoke, have a poor . I was approached last night while grocery shopping at Star market. I realized, if success at PFS meant doing this forever, I might not make it. Primerica is a multi-level marketing company. Lesson learned. Yes many consumers arent sophisticated about insurance, which is why it can be easy for a Primerica rep to sell them a crappy product at a higher price. She asked if she could put me down for an interview on Tuesday. I search my memory and finally remember who she is. I was looking for a receptionist or something. Surely it wouldnt matter in the end, as long as we get the recruit right? kids dobs and weights,etc. (Formerly pre-paid Legas Services, membership I have had for 16 years. The meeting starts after like 30 minutes past I still dont understand what I would be doing so I start asking questions about the company and I was told the company name is Prime America and how there is no website but that the company is one of the biggest companies in the world. The man who was telling me about the opportunity was upfront, and I kill myself working two jobs. I told him I was talking summer courses and I really wasnt looking for work but I actually was (does that make sense?). The first level is the office or team level, the second level is the agents who work for the office/team. The final weird thing was if she felt like the discussion went well she would invite me to a formal interview where I could ask questions. I interview with a Primerica Financial guy like 15 years ago. None thats who! It would be too painful to add up all the hours, dollars, and gas I had so far invested into this business. Broke people mentality. Now here I am, I think Ill be cancelling my interview for tomorrow. The guy on the phone was super nice and seemed waaaaay too eager for me to come in, especially since I told him up front that I had no financing background. You may even have to buy products before you're eligible to be paid or get certain bonuses. Please please please stay away from this scam!!! We hardly talked about me and my background. Thank you all for this i guess i wont be going to that appointment today. The company has been in business since the late 70s and has steadily grown throughout the years. thanks for the honest comments I well be cancelling my interview tomorrow. I knew that kind of pushiness in indicative of something bad but I gave in anyway because like I said, I loved the couple and I really did like the financial planning part of the system. Would you like to travel around the world if you got rich? My niece received a call for a job interview yesterday. When I started asking for e-mails and more information about the company. Big giveaway: when an interviewer asks you questions about who you live with, and if you have a lot of family and friends that live in the area I mean, come on! - The Anti-MLM Coalition, Primerica Financial Services: The Fake Job Interview, Jennifer McKinney Bankruptcy Round 2 and Round 3, Mary Kay Cosmetics: Destroying Half a Million Women a Year, The Pyramid Scheme Aspect of Primerica Financial Services, A Former Primerica Representatives Story, The Fraud of PrePaid Legal, Explained By a Former US Attorney. Well, okay Atlantis it is. I just got snub because I was invited to a meeting while other try to tell/sell me how to get to the American Dream with Primerica doing good things for my neighbors and family etc. Damn I wish I would have read this earlier. He then asked if I, personally, was keeping my career options open and I said yes. I had no desire to pursue such a career related to insurance, as I prefer investing. Recruiters lie to get people to join, because if they told hte truth about the almost guaranteed failure, no one would ever sign up. She lost her job and became an easy target from a fast-talking recruiter that filled her head with a pipe dream. They asked about my work situation and I told them that I got a job a few months ago. I just received a call yesterday and had my doubts about the process, so I immediately proceeded to research PFS and found this article. So glad I read this blog almost got scammed. In Primerica, the game is recruiting into infinity. My time is precious and sitting down even to waste her time wont be worth it. You would be an independent contractor, so they dont care what your age or appearance is. not entrepreneurial Mary arrives and is her same cordial self. I raised my eyebrow, curious as to how he could explain that one away. I dont mean any disrespect to the author of this blog but I wonder if he/she thinks about real estate brokers, is real estate a scam or pyramid scheme as well? Like my parents support me and are very smart with their money. (Even then that is to be seen) They clearly have a lot of red flags, and I dont think businesses should be allowed to run like that. She tells me about running her financial management business in the suburbs, how shes trying to open an office in the city, how she bought another house to take care of her ailing mother-in-law. It doesnt state that many on the list never again achieved those sales levels. Im 21 and just recieved a called from them while at work stepping away from the front desk i answered to a guy who gave brief detail about everything your reading above smh not going! Flyer also says we cover the business ownership & part-time opportunity. Told my interviewer I would call him back this week with a reply. A company that tries to recruit through tinder is only going to do what tinder was originally intended for. I received a call from Primerica just a few hours ago. Any company that loses over 220,000 reps/recruits per year (Can/US) either has a recruiting issue, or a job quality issue. With traditional firms (i.e. Its an exhausting way to make a living. Also, to those who think its a pyramid scam, we are a NYSE company and have an A+ rating with the BBB. May have to change my number now.what a waste of time an effort they are by simply existing. Absolutely disgraceful that there are companies like this out there. Also this was my first job interview, as Im a student. My Primerica Regional Vice President (RVP) well call John offered to teach me how to call them, to build my team. Attitude goes a long way idiots from primerica, be forthcoming and maybe one day youll be able to be human again. I actually had to call my friend to ask what the position was and he said its something to do with sales.. I Googled the address and found out it was Primerica. While often legal, taken to the extreme, multi-level marketing becomes a Ponzi scheme. I think Jorge is actually Donald Trump. Just went through class. I am considering doing Primerica, but I am first doing my due dilligence. He texted me his contact info after my ride and I noticed it said Primerica Inc. on it so I googled it to find out just exactly I was getting myself into. Primerica provides term life insurance at a price that's quite affordable to most families. A manager? What professional business calls on a weekend? These companies actually have them sell their products. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. 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 was sitting with my daughter at the time of the call) The lady was insisting on contacting me after talking with my daughter and again my daughter told her to call me the next day. I had an interview scheduled for tomorrow, but something was really fishy about the entire thing. NOT!! You can get a reasonable life insurance plan as a AAA member and should deal with a real bank or well known investment firm with your money, people! Google what youd like but do you really think Google, a company who makes money by sponsors is more accurate than the companies that investigate for the NYSE? Six figures in under 3 years. And again, its only gross revenue and doesnt include the costs of doin business theyre all responsible for out of pocket! I sat and as soon as the presentation started I was NOT happy because it was clearly a come sell this stuff and get rich thing. Easy. People are much savvier now a days and really hate a sneaky recruiting pitch. We will see. DIV Rep, 60%.wait there is only 50% left over, okay then what does math tell us.you get it yet..they only get 50%, (PYRAMID ENDS). But it is however a business opportunityand lets face it other insurance do not function internally much differently. FIRST AMERICAN NATIONAL SECURITIES, INC., PRIMERICA ADVISORS, PFS INVESTMENTS INC. CRD#: 10111 /SEC#: 801-72263,8-26486. (including advances). The business of Primerica Reps is recruiting other reps. I agree with your assessment that Primerica is not by definition a pyramid scheme. Tony Thanks for your concern. Indeed, I was invited and liked. Goodness gracious thank you for the comments, almost went to an interview. Anyway so he was trying to down play my job and whatnot and get his point across talking about its a good opportunity, dont you want to make more money and yada yada yah. Were looking for employment & to get taken advantage of. why are they still in business? I, actually sat through the orientation, and afterwords the deception started. The rep said she got my resum through Monster and wanted to give me an opportunity. Still no mention of the type of work. Ok then why do you work at a retaurant as a sous chef then? From then he sent us to different people to ask us some questions. 1. transfer job locations to my home time and end up getting paid a little more + be with all my family + be happier. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Another flyer announces two meetings. Long story short I didnt fill out the employee application because I knew right away this wasnt for me. my business. Important Mutual Fund Disclosures Well, no touchdown today for you, Primerica! I figured she hired her son to do her social media campaigning and he was just barely starting/lazy. Hey guys, so I went through the exact same thing, someone on one of my social media had publicized a post saying anyone 18 and over looking for a.job, my company is hiring. I was interested so I messaged the person and I asked what company and what position, she briefly told me it was a financial services company and that was it. My contact and I talked a bit, and she escorted me to the door, and I went on my way to run some errands that I had intended to do earlier that day. Very sad to hear all the ridiculous posts, and misleading info that is pushing people away from the company. This may be a rough road, dead end, pain, death and not get anywhere. I knew that a job selling insurance wasnt really up my alley, and my intention was to leave the first opportunity I got, but that opportunity came when they asked me to put down $99 for an investment licensing class. He ask me if I know this name. If I had a little more information I wouldve researched the company, but there wasnt even a specific name, Im not sure why I didnt consider it a scam at the time. OMG thanks for this website!!!!!!!!! Primerica has been helping Main Street families invest for the future since 1977. Look into those; and if the person you are dealing with only goes to the one service and being a rep,, find another Primerica person to help you.

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