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Primerica is only a pyramid scheme. They don't hire an high calibre financial analysts. They accept high school drop outs, even though they pass one lousy tests. Want financial advice, go to a bank and talk to a personal banker ... they have a little more qualificatioin then some idiot who has not even heard of the CFA designation. Primerica agents have hounded my classmates and I to join, but we all laugh because there are no standards! Where are the regulations!