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forget what people say, go do your own research. anyone can post messages on the internet and make up an anti-primerica sites, but you can't make up the industry ratings. don't trust a website, trust printed material written by the professionals in the industry. if you do any research at all you'll see that "buy term and invest the difference" has been around a lot longer than primerica. go get a book called FINANCIAL SELF-DEFENSE or WHAT'S WRONG WITH MY LIFE INSURANCE and don't answer this message until you do! then after that go check and see who is the #1 company in the world as far as assets are concerned. then go and check out the fact that pyramids are illegal and then tell me how the largest company in the world can get away with that without someone finding out. thank God for the common folk!! after the federal government approved the merger of citigroup (primerica's parent company) i guess we should thank all those people who found something wrong with primerica that the federal government missed! whew, i'm so pumped that the average joe can teach the government how to regulate business. bottom line: go look it up on your own and you'll find the truth. primerica has nothing to hide. and if i were an insurance agent, i'd be shaking in my boots becuase one day the people in this country will find out who has really been lying to them this whole time. and when that day comes then we'll see whose right and whose wrong.