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In Reply to: Re: Re: Re: Re: Re: Re: Primerica term policy posted by Eric Graves on August 20, 2001 at 01:20:25:
I know of this guy, yeah right a rollin 12 of $100k. More like a rolling 12 of 1k.
: : : : : : : I am interested in hearing about your experience with Primerica itself as far as term policies go (not with salesman). Do any of you have warnings, advice, or even a good experience to share? Thank you.
: : : : : : I can give you several facts about Primerica term:
: : : : : : 1. It is expensive. You can get better coverage for about half what PFS term costs. Go to any SelectQuote-type website and run an illustration for yourself to compare.
: : : : : : 2. It is not convertible. Period.
: : : : : : 3. This means you cannot use it at retirement as a tool to increase your spendable qualified plan income by 40% to 90%.
: : : : : : My warning -- don't buy it.
: : : : : : My advice -- don't buy it.
: : : : : : Good experiences -- I replace it nearly 100% of
: : : : : : the time with quality term.
: : : : : : If you own Primerica term right now, you should replace it with something better for less money.
: : : : : : hindi
: : : : : sounds like this is a message from Waste Management Association or better known as WMA
: : : : -----------------
: : : : Well that's true, Waste Management Association or SCAMWAY - that one peddles VULs, and PFS peddles Term only. Both in the same boat of peddling one product as the answer for every Client they come across.They have something else in common, recruit your grandfather, grandma, brother, sister in fact any one that walks, even your dog or anyone who is braindead who is willing to come into meetings(supposedly for training)but instead its rah rah meetings. More than half the Agents from both Co's have no clue of all the various products out there in the marketplace. It's pathetic!
: : : This is eric graves, First if anyone has a problem with what im going to say please write to Fortune, Money, Forbes and the wall street jounal, I'm just going to say what they have been saying for years. BUY TERM INSURANCE. VUL is a rip off, this is according to the magazines above. So by saying WMA peddles VUL, PFS Term is B.S. Also there is a reason Sandy Weill wanted Primerica in his company, because of who we are and what we do. You can write to Citigroup in down town Los Angeles and yel at them, if you have a problem with that. Look at this Primerica is in Citigroup, WMA is on the vurge of being kicked out of almost every state, write to Money , if you have a problem with that. Now as far as the oppurtunity goes, do me a favor, because I earn $101,569 (rolling 12)please tell me where 99% of America who beaten down by Coorporate lies, and decreases in pay can make a 6 figure income, where? Where can an average and ordinary man or women go and be free? How about 1.5 Mil to open a franchise, do you have it, and if so great, but, are you going to share that with me? Didn't think so. If someone has a problem with Primerica, it's usually because they have a problem facing who they really are. Oh one more thing, Primerica term cost, you get what you pay for. If cost is more important to you than the quality of the program go somewhere else go to the internet. If yuo dont want some 8$ hr. customer service rep helping you go to a qualified PFS rep.
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: : There is nothing wrong with Term Insurance per se. But the Term that Primerica peddles is EXPENSIVE and you claim that you have done your research? Well if you had you would also know that 90% of Primerica policy lapses.Look at the statistics and ask yourself why? You can trick the Client into buying one when you are with him/her but sooner or later the Client will know that you sold him an expensive policy. LOL I'm sure you had plenty of chargebacks already! ALL the rest of your argument is so typical of a brainwashed Primerican. So typical, rote. You keep hearing the same thing over and over again at your meetings till you are completely brainwashed like a zombie.
: please explain to me your answers to my writing, not the response you've given, please. What you replied was worthless. Please explain to me you response to Primerica lowering their rates 15%, and that I have a 12% chargeback ratio. Also if as you should know, 100% of my chargebacks have been from people being irresponsible with their families lives, changing banks and not telling PFS, etc. I have had 4 agent confrontations; why have I won them all? Regarding our opportunity, where else could a case manager for the Bureau of Prisons go, and in 3 years have developed a $100,000 rolling 12?