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I can tell you that it is not a scam. Like anything in life, you get out of it what you put in it. The opportunity does not lie within putting down people that work jobs for a living. It is a way to help others through an education of finances and how money works. And if other people(or companies)do not try to do the right thing shame on them. But, there will always be people to say bad things about any company or good things depending on their motivation. If you look at the facts you will see that the company is itself pure and good with how they try to help people. I have been in the work force and Primerica saved my family a substantial amount of money. I too, thought that it sounded to good to be true. So I researched more and more. And if you are looking for the truth rather than someone else's opinion, you will see what I see. I did become a representative and I enjoy being able to helping families with their finances. It may not be for everyone, but everyone is given a choice and anyone can learn what they allow themselves to.