With a one-time fee of $99 and a monthly fee of $25, you can make more than your startup cost in less than a month. Hence, the dance around questions began. The other woman never shows up. Sooooo after reading all the comments, I will NOT be going. I asked for a camp name twice she mumbled PCC really fast so i couldnt catch it. Just like most of these posts, they said they werent looking for people who have college degrees or serious career experience. 90% of Primerica income made by 304K student training recruits that will never be licensed. He was dodging and kept pushing the interview. I show up on time but, honestly, a little worse for wear. I entered the room the woman on the phone had told me to go, there were about 20 other people in there with a presenter holding an iPad on his hand. I furrowed my brow thinking I thought he was making those calls for ME.. shouldnt I get credit for those names? 1. Given my lack of experience, I was not sure if this was normal or not. That is a big reason why this company has so much negative publicity online (even on its Wikipedia page!). I told them I would have to think about it and let them know but they offered to sponsor me and they paid my $99 fee as well as the $25/month fee for the first month which made me feel less suspicious. His BTW came out his wife works for DTE because he says during this interview I always tell my wife after 10 years of her working for dte she will be able to retire and be a stay at home mom like her dream and that is soon, SO I ask, Do you work there during the days and at which location She tells me and says Oh this is just my side hustle everybody has to have at least one, I used to do make up and hair, weddings and birthdays, blah blah blah. I tried out Primerica towards the middle of December. For sure I am not going. life insurance pyramid scheme companies. I do wonder if some above posters simply arent aware of either the licensure fees part of several industries and/or of the time and effort required to build a client base in any commissioned sales position? That is my goal. another red flag when up in my head, majority of my friends held the same job for years so who the hell gave you my number? Top investment analyst recommend company in books, on the radio programs, and on TV programs. So today I had a random phone call and I answered it only to find out it was a woman by the name of Jerica who said that Martha that I had met at my job referred me. Either I pay on that time or I can pay after a week If I get hired and it will be part of the hiring process. He has no right to call people that didnt go to college dumb. Once he started pitching me it was all very clear why. Went well. Thanks to these comments I will not go. He told me to have a seat and that there was going to be a presentation. So I booked an interview with him. An office front is an office front, I thought. Would they use it if I dont show back up? Be aware, I messaged on Facebook, and the account had comments saying Hey man, I think your account got hacked Ive been getting odd messages from you. But I guess well see what they do to me and all of my information. She really did not go over what the company was about but said we will discuss during the interview and not to worry if I was not experience because they like to teach within the company. As he hung up the phone I exhaled to release the tense feeling I felt, then realized I had been holding my breath for most of the call. Please advise if any lawyers or regulators read this ! Wow!! I was approached last night while grocery shopping at Star market. Very interested in knowing how you feel about State Farm and other companies that are taking clientssavings and withhold information to their clients so they do buisnes Is that not fraud? I just got a call tonight from someone who started to ask me about my resume. Good thing I have learned from Dr Phil! He did butter me up, but Im no fool and and the fees were ridiculous, didnt make sense. not a business There is more money made in consumable products than anything else. I then googled Prime America and this site was the first thing that popped up. They are not giving you a job! They are liars, they never gave me my money back, they have all my bank info and I feel very unsafe about that. Ive had group sort of discussions before, but this seemed to be more of them trying to sell me on a position (it almost felt like they were trying to sell me the products themselves) They didnt ask me many questions about myself, so it felt like they were looking for whoever will take their job, not who wants it. The interview asked me only 4 questions and asked me to sign a contract looking employment form and said that I need to pay 99 dollars to pay for a background check and that i need to get a license. Like many before me, I too received a call by a young woman, Jasmine, stating that my number was forwarded as someone ambitious and hard working, seeking employment. His wife starts asking questions, social security number? You knowthat phone call that you set up when youre going on a date so that you have an easy escape if you need it?? Randomly the thought popped into my head, he also said working 2-5 hours a week would mean an extra $1-2000 a month for your family but I quickly dismissed that thought. Thanks for the info. It's a scam, he has to pay for his training, doesn't get paid for time training, some commissions are based off those who work under your recruitment pyramid. A long time ago one of these assholes gave me a card and took my info, sadly I was told it was a scam after I gave my info. I imagined some movies I have seen that resemble these behaviors that became movies because they didnt end well. During that same time period, 243,167 of their licensed reps also left the opportunity. These offers do not represent all available deposit, investment, loan or credit products. We will see. The graph had 1 gent at the top and every subsequent tier had exponentially increasing members making exponentially less money. I have an acquaintance from Facebook who floods my news feed daily with this Primerica crap. After hanging up with him, I found this wonderfully put together article and took the time to go through most of the comments as well and found pretty much everybody in agreement that this is a scam. I, as well was duped into attending an interview and I knew right away something was off. The one thing that did get me, however, is on Google Maps, the place did not have a name. Awesome reviews everyone! Wow was not expecting it to be such a rabbit whole. I started to feel a bit angry as I realized that John wasnt really interested in teaching me, he just wanted to get any recruits in that he could. I dont want to be one that consciously rips off or gouges people. I received invite to interview Almost made it, but nope! I personally am more of a tech guy, dealing with machines and stuff. Or something. Similar situation Just went through class. What deity do these two preachers represent? Young people of united states and canada please pass this pages along to your friends . LOL, Lol thanks God I look it up and they give you such an hope like youre about to win big smh I waist my time dressed all nice thanks God I didnt register yet Im done with them. I mustve been approached bc I look like a mark. I think Jorge is actually Donald Trump. Hes spending more time getting me to do all this than he did explaining the actual job.. they said a position in the company. does anyone here even know what a actual pyramid scheme is? Many thanks! Got approached at a random target by a lady commenting on what I was wearing not a job. I was in the middle of Target, shopping in the electronics aisle. Just to note i did research before the interview. They sold me on it, and even managed to sell me on signing up for their life insurance. People who work jobs get paid. I dont see any suggestion there that newbies may expect six-figure earnings? It is a horrible, horrible product for almost everyone, but that doesnt make it fraudulent. Like, if someone asked a question that would be fairly customary in the real world, he really would let off on them with something snippy like well, I dont know what youre worth yet. Its all a scam. The company with the highest growth in NYSE last year, where tesla motors had the second highest growth, is a scam to you all, who is having trouble surviving and stuck in a JOB (Just Over Broke). It calls back the last received call. For the second time since I had gotten here, a warning flag went up. The company has been in business since the late 70s and has steadily grown throughout the years. And they came from very humble beginnings working 9-5 jobs now they are free and independent! As it turns out, I am a lapsed Catholic and an Atheist, but I still wear a silver communion cross so she may have been taking a stab. If you have been invited to an interview, I can tell you that someone cared about you. We talk for a second longer, she makes a point of showing me her expensive car and vanity plates (I realize now how often she was trying to make displays of wealth from the moment I met her). I called her back a couple days later and she scheduled an interview for this coming Monday. Im not recruiting people into a pyramid scheme and praying that they recruit more so that I can make a few pennies. If you believe Wall Street has a moral compass you are sadly mistaken. I spent an hour on the phone with Vice Presidents in three different areas. Thank goodness I didnt fall for that crap. Thank you everybody. then I came across this site and read some comments . In fact, in a few months they are sending her to Atlantis. Kool-aid anyone? Looking for any advice to be offered before the impending interview.. No, a regular job is not like MLM. I knew to avoid them but because of how fast she mumbled the name i didnt research. She handed me a clip board and asked me to fill out the information requested. I need papers and what not. Long Term Care Insurance 5. Dont spread lies when you failed at the business. If you could imagine all the evasive answers and asking me if I want to do an application. And no-load mutual funds through Vanguard or Fidelity beat the high expense ratios and sales charges of the ones Primerica offers. Primerica, Inc. is a financial services company serving the middle-income market offering term life insurance and strategy for investments. I was so flattered! I was ready to mangle both of them Im so fed up with these lames at this time. Eventually he told me that he was not offering me a job, so I was even more puzzled. According to their own reports, only 2.5% of their reps earn more than $36k/yr, tho even that pulls their stated average commissions down from $6k to less than $1k or less. My girlfriend interrupts the lunch, I get the sandwich boxed. So I just got out of a presentation not an interview. Said I might be a good fit for PFS ambitious expansion plans in the Charlotte area. Primerica has been helping Main Street families invest for the future since 1977. I too have been approached by reps from Prime America (while at work at 12:00 am) about this great job opportunity, that I have a great personality, outgoing, would fit right in yada, yada. Everything I am reading in these comments sounds almost exactly like my experience with them. Term Life Insurance 3. The guy recruited me at the mall and all he gave me was the address, no description of the job, not the name of the company. Oh well I showed you the PowerPoint and video?? My parents have been in these pyramids a couple of times, i guess you can say it runs in the family. Identify bulldogs in your contact list and recruit them so you can make money off those go-getters and build a strong downline. Youre just a bunch of lazy, whiny children. What a joke. Yes so would you call NYSE a scam? Then after 45 mins he told me to come back. So I cancelled, and avoided an unpleasant and wasted evening. So, I googled the companyand here I am. 5. Sam The position of trainer really means RECRUITER. I had them waste my time once before and am no longer interested in doing it again. I thought oh boy! Needless to say, not going. What I found was that most people dont want help with their finances and many (foolishly) refuse to spend money to own life insurance. The stock in Avon has dropped as well, below $10 a share. I blew it all off the moment I was dismissed. I spend my time with people who show up. Another pause, then I saw his face relax a bit as he gave directions for the office and set up an interview for 6:30pm that night. Al Chemistry Paper 2013 Marking Scheme May Primerica Financial Services The Fake Job Interview May 20th, 2013 - Primerica Financial Services is a multi level marketing company that sells life insurance and investments I?ve written about Primerica in the past questioning whether Primerica is a pyramid scheme and whether PFS is a scam Just WRONG Disgusted!!! I ended up getting out of it last minute once I found this blog I had to SEARCH HARD to find out that she worked for Primerica, it pretty much boiled down to me searching the address she gave me and finding that its registered to Primerica. Primerica just needs to do everyone a favor and be upfront about the type of business it is. I gave them my information, and even the information from one of my credit cards (which Im afraid that they will still use even though Ive already called & told them to shred/dispose of the information!). I dont know man. He frowns and shakes his head at me. ?, Dont you want enough money to rent a space for your classes? 30+ years. Plus his wife worked full-time here too. He had become quite animated now, telling the audience about what all was included for the fee. Im going to trust my grandpa on this one. The company also restricts what you can and can not offer to people as well. My name, what I do, how much Id like to make, what my goals are. I ask because Primerica agents and Real Estate agents/brokers are both commission based but people have no problem with being a real estate agent right nor do they have any issues with purchasing homes that will most likely put them in HUGE debt. Everybody is making a cut on the people below them; it goes up to four level. I immediately texted Mary to shred my application and that I was not interested. Ive been self-employed all my life and, just like real estate, if you dont work, you dont get paid. When I sat down with the guy, it felt less like an interview and more like a sales pitch like you guys said. They told us how the head leader makes over $200,000 , but he comes in with a bag of mini candies passing out to only his team crew. BBB reports on known marketplace practices. My typing speed is about 60 wpm. We were to ask them for a penny (hoping it would be a new penny because those are weaker/thinner than the old ones), and with the new penny we were to use the best cutting scissors ever to cut easily into the penny. It was basically a skype interview, although it was a group interview (which they didnt tell me) and nobody else in the group showed up. Three days ago, a pair of women came into my store to purchase some items. - The Anti-MLM Coalition. The commission overrides only reach a small number of generations deep. and there was one review on the place, a 5-star rating with no comments added. He signed on right there because he was impressed with their house. Everything else followed was muffled. He then scheduled me the day after, which after these comments I intend at missing again. Other Mutual Fund/insurance companies invest in them. Primerica is a financial services company that states it's mission is to help underserved communities gain access to top level investment and insurance products.. It all felt very sketchy. She was pleasant and I was willing to pay the $99 up front and take the life insurance exam. At school when were prepping for interviews, recruiters ALWAYS want a resume. I dont know why, but I say okay. This other guy was pleasant enough, introduced himself and politely shook my hand. I search my memory and finally remember who she is. Primerica is a brokerage not a MLM. I get NOTHING from writing about multi-level marketing scams. Not going to the interview tomorrow. Only regret filled out the intake paperwork, but kept a copy intentionally messed up. Asked for my phone number, stating that while he didnt know my situation, he would be interested in offering me a job. wow I was suppose to have a interview with a person from pfs investments . Thanks for your reviews, Wasting time is the #1 sin in job hunting. Fortuna, the goddess of wealth!? Was met by slick, greasy sales guy in an office the size of a shoebox. Those are games we leave for the devil. The conversation, again, was mostly about me, prompting me to sell myself as someone who should work there. Canada recently upgraded their insurance industry testing and training standards nation wide. He asked if I have ever heard of Prime America (looking at this site at the same time) I said yes, he sounded surprised oh you have Yes I said. Sneaky how once she enters my house she runs downstairs and brings a male supposedly her manager. What would happen if I cancelled the whole thing? The examples in the booklet are for Bob and Susan Smith, ages 33 and 35. And he was on his phone during the interview and it just all seemed so fake and phony. I got referred to Primerica by a fellow friend of mine. Watch out especially for Melissa Allen- highly unprofessional, rude- and will say anything to get someone to an interview. Im an extremely brutally honest person, so when he asked what was on my mind i told him the truth. kids dobs and weights,etc. Sobeys. I am really glad I did my home work on this company and thank you to every one for the honest postings I will not be wasting my time with scams. After realizing her main focus was getting recruits I began to question this whole Primerica thing. After, he said I needed a state license to sell insurance and its a 32-hour course that costs $124 deposit. She said that if, following the interview, she liked what she saw, the business opportunity would be discussed further. We set up an interview for this Friday at 1:00. I like to hear about the successes towhat did you find out about those that succeed at this? Not lying to them about what happened either. I didnt follow those steps due to a time constraint but thanks to your comments I know I will be making better use of my time! You are describing practices that are barred from current procedures, and the law. Um And these were my thoughts. She stated the name of the company, Primerica and stated they deal in financial services . He also said that he can talk to me me and my wife at the same time to explain the money for the financial license. He handed me a flyer that said Primerica was waiving licensing and application fees for active duty and veterans in November 2018, but I cant find anything on it on the Primerica website.