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In Reply to: Re: FORGET A MESSAGE BOARD AND DO YOUR OWN RESEARCH!! posted by Mislead by PFS on June 18, 2001 at 07:08:20:
you didn't do enough research. go look up the truth about universal,variable and whole life. find out how they really work. and don't go to state farm or your local primerica office, go and get books from the industry. get a book by someone who has nothing to lose or gain by sharing that information. go look up the government investigation about insurance in the late 70's. you can't screw someone over with term insurance. and if it's too expensive for you, and you don't want all of our benefits, then go get plain term. but you'll find out that all other cash value policies are worthless. oh yah, and since we do pay claims that says a lot more than any other company. go check out how many law suits have been filed to major insurance companies for not paying claims and for lying to the public. then check out and see how many complaints have been filed vs primerica and any other insurance company and compare the two.
another reason i know you didn't do enough research is because our parent company Citigroup is the #1 country in the world with 917 billion in assets.
MLM? hmmm... not bad. but you're telling me that in typical corporate america that there is a CEO. and that CEO has a president and vice president. and they make that CEO rich. and the presidents have people under them that make the presidents money. those people are managers. those managers get bonused off of how well their employees do. sounds like a pyramid to me. i think we should shut down the common work force of america because everyone in the country works for an elaborate MLM system. hurry everyone go quit your jobs and tell all your managers you will not be taken advantage of and you will not work for any pyramid system ever!! then go flip burgers at McDonald's and make Ray Croc's family more money. LOL
you did get me on the federal government thing though. point to you. :)
but i've noticed that it does say the PFA's aren't any of those things. we never claimed to be. by our very name we are Personal Financial ANALYSTS! not planners. we take information and analyze it. DUH. we're not planners or financial consultants or specialists who provide financial advice. if we were we be called P.F.P.I.A.W.O.F.A. (personal financial planners investment advisors who offer financial advice) point for me. couple o' points for me.
and we do have insurance licenses and we can do life insurance sales so i guess i misquoted myself. but a regular insurance agent can't do investments and he can't do jack about paying off your home. so i guess you could call us insurance agents with benefits. life insurance isn't bad, cash value policies are. so don't sell them and you're a great insurance agent. so go find out what's so bad about cash value policies like i asked and then see what you think about term. go get those books and read the chapters on cash value policies. i could give a crap if you like primerica or not, but i hope one day you would never buy a Cash value policy because they are a waste of money. i hope you don't stay in debt and i hope you take the time to invest your money. primerica or not... everyone needs to know how to do that.