905-264-9962

This guy isn't actually the VP of Primerica, I think he's just a regional VP of a certain office of Primerica (sounds similar to other MLM where there are various levels within various regions, much like Vector).
Sounds funny that they have so much time to interview so many people, it's almost like they're desperate.

From past experience, most jobs opportunities are first filled my family members or friends of the respective company, so it really is amazing how they can afford to hand out this many interviews.

I'm shocked to see so much garbage and diatribe written on this forum.  Many of the people who have been writing such slur were never contacted by this office, or have never really come to have an understanding of the company.  Simply said - I just started working part time with this office.  I studied law @ York and am a full practicing barrister.  Tal came into my home last week and completely redefined my understanding of money.  For that and for the chance to help others part-time, i am eternally greatful.   Shame on those that write slander to try to scare others off because of their own insecurities.

Hi guys!!!!  I got the call this afternoon as well!!!!! It was so wired!!!don't you guys think so???
Too good to be true!!! he said the same thing and give a number 647-298-6200 for the interviewer - Laura Zassur 's contact info. It located at 4000 steeles..everything is the same

Thank you guys... I will not go and waste of my time!!!!

If Microsoft called you for an interview and you reseached microsoft on the internet and read the horrible things posted would you not show to the interview?  Try these searches on Google:

I hate TD Bank
I hate RBC Bank
I hate God
I hate babies

who the flip HATES BABIES???  Worse... who spends time posting negatives about babies on the internet??  EVEN worse, who are the IDIOTS who believe the crap written on the internet???

It's one thing to show up and formulate your own opinion... it's another thing to listen to complete strangers who hold no bearing of success and will try to drag others down too.

It's a strange world we live in today.  Thank God that there are still those with morals and education that can make their minds up for themselves rather than search on forums that are obsolete.

Do the right thing in life.  Be your own person... opportunity is what YOU make of it - don't let postings like the ones above form your judgements.   Good luck.  Primerica is a great company.

I had a very bad experience with him and kelly. Word of advice, if any company ask that you pay a few head for the door, and you can get the fee back within 30 days regardless of what Tal says.

My husband got 'hired' by Primerica about two months ago through CareerBuilder.com. He has a bachelors degree in Public Relations, has no experience in financial industry and had never taken a single class in finance but was looking for a sales job. Needless to say, he was an easy target for Primerica's smooth talkers. Just two days after he got recruited his 'trainer' had invited herself into our home to do a 'kitchen table' with us to help us set our financial goals and help Paul 'train'.

Me being a recent MBA graduate I prepared a whole list of questions like 'So how exactly is Primerica different from say Mary Kay other than the fact that Mary Kay sells makeup and Primerica sells financial services?' and 'Is there really a business need for my husband to recruit his friend the plumber and our neighbor the Secretary to sell insurance with him so that he can make money of their sales to their friends and family?' I had all kinds of questions that I was so sure she wasn't going to be able to answer at least not to my satisfaction and that because of that we would not ever see her again.

Boy was I wrong. She had me completely showed. She was throwing around arguments about baby boomers retiring soon and how they'll be rolling their 401ks and all of this money will be exchanging hands and there will be no one to help them with their insurance and investment needs. And this is because companies like Merrill Lynch wouldn't even talk to you unless you have $100, 000 to invest and Primerica fills in that growing market of middle class people that do not yet have clear financial goals set.

To my question on whether Primerica is a multi-level-marketing company she exhaled: 'But of course it is multi-level! Every single corporation in the United States is multi-level. Everyone including CEOs have people below them, above and them or both.'
Not 30 min. into it we were already going into our Financial Needs Analysis (aka FNA) and through Primerica's 'Show Me the Money' 6 months plan. She was throwing charts, graphs and all kinds of flyers at us showing exactly how much money will my husband making over the course of next 6 months being on the fast track 'trainer's plan'.

Among other things she kept saying that if the wife isn't happy then no one will be happy and that she wanted to make sure I was agreeing with what Primerica had in plan for him and that I was satisfied with it. Along with six figure income after 6-7 months she showed us that the first month while he is training he will make exactly $565 - by his trainer giving him or finding him a client for a life insurance policy. Yes its small, $565, but its guaranteed and it will help pay for our daughter's daycare.

When she left our house I left pretty good about my husband's new job. Sure, its commission only but with all the 'training', help networking from his trainers and colleagues and his sales skills he is be bound to succeed. But my piece of mind did not last very long. In less than two weeks I saw what was going on. He was 'training' for about an hour on Saturdays only and spent all day Tuesdays interview new recruits. Outside that all he did was make endless phone calls soliciting new recruits.

As I work from our home office I get to hear the same sales pitch over and over again. Several friends started avoiding us as he tried to recruit them, they refused but he wouldn't back off. Around that time is when I found out that not only did we pay for the $199 membership fee but we also bought a term life insurance policy on my 27 year old husband's life that we needed so much as he could die any second and what would I do than to replace all of his income (with Primerica) ? And we didn't stop there.

We got an emergency mutual fund investment too. And all of this before trying to pay off all of the high interest debt we have that is costing it a lot more any investment we could make. Needless to say I went ballistic but as soon as I came down I started doing my research. Here is what I found out through watching him recruit and talk about Primerica:

Primerica is nothing but a pyramid scheme that depends on constant influx of new recruits that will pay the $199 membership fee and purchase number of financial services/ investments most of which they do not need or are not suitable for them. The manner in which Primerica sells these financial services involves some very questionable business practices and by sales reps with very little or no training, education or credentials in financial advising.

Even though my husband had now spent almost two months with the company he could not give you the definition of term life insurance let alone explain the difference between term life insurance and cash value insurance. Despite of this, he managed to recruit some 6-7 new people most of which he solicited off CareerBuilder. It's been two months now he did not make the promised first month $565. When he asked his trainer about it she told him she couldn't help him with it because he did not have a 'warm market'.

Primerica was been and is under investigation by the SEC, FTC and numerous other government bodies. Listing of investigations and litigations can be found SEC's and other sites -->
http://www.sec.gov/cgi-bin/txt-srch-sec?text= ... t=&count=§ion=
Litigation&sort=rank

If you just do a goggle or Yahoo search on 'Primerica fraud' you will get hundreds of hits explaining lawsuits, Primerica's deceptive tactics and testimonials of people defrauded. Most concerning of all though is that members of Primerica during company's presentations and speeches yell out 'Amen' and 'Hallelujah' (my husband admitted hearing this too) and insist upon Primerica being a 'Christian' organization.

The two of us had never went to church on our own before but only a month after he started working for Primerica he insisted on going to church every Sunday. And not only going to service but to Sunday school, Wednesday service and church softball and basketball leagues- its good for meeting contacts for Primerica.

To sum it up:

What Primerica tells their recruits is that:

1) They can easily make a six figure income
2) Their greatest income opportunity comes from recruiting new people from whose sales they will receive overrides (or % of commission)
3) The $199 dollars is for a background check (that typically does not cost more then $65 or that $40 is for the background check and $159 is to cover the cost of government subsidized classes (which oddly enough cost exactly the same in every state)
4) That in order to be successful selling Primerica's financial services it is strongly recommended that the representative buys a portfolio of Primerica's products
5) That Primerica is in fact a 'Multi-Level-Marketing' organization but 'as is every single corporation in the United States' (or everyone but the CEO has people below and above them)
6) That they are being recruited as financial advisors
7) Primerica is in the business of “helping people'
8) That Primerica is a part of Citigroup - the largest financial company in the world

What they don't tell their recruits is that:

1) Only about 1.5% all Primerica's sales reps ever make a six figure income, if even that many
2) Primerica does not cover any of the business expenses or overhead representatives incur in the process of recruiting new members or selling Primerica's services
3) As a result of questionable business practices Primerica's has been banned from operating in the state of New York for two years (strangely enough my husband's recruiter had moved down from New Jersey?)
4) Even Primerica's disclaimers state that 'Representatives are not financial planners, investment advisors, financial consultants or other specialists who provide financial advice and whose compensation may be unrelated to sales.'
http://ww4.primerica.com/public/primerica_disclosures.html

5) That Citigroup is merely a sister company of Primerica that does not endorse any of Primerica's business

All that my husband has to say to this is 'I bet that if you look hard enough on the Internet you'll find that even Jesus is bad'. He does not want to even hear about anything about it much less consider doing his own research. He is now even planning on an advertising campaign to get his Primerica's sales started. Needless to say, Primerica will not pay for any of it.

Basically going forward my fear is that:

a) Him and I will pour hundreds if not thousands of more dollars into this 'business venture' before he figures out who he's dealing with
b) Some new recruit and/or customer will either break his jaw when they realize they had been defrauded or sue him

I have said so many things to him but nothing seems to be working. We just end up getting into fights about it. He is not himself anymore and has been completely brainwashed. He would not listen to me or his parents and family. His aunt actually had the exact same experience with Primerica and told him not to do it. But Primerica's answer to it is that its not for everybody - it is hard work and only determined and hard working ones succeed. But lately I've been feeling that the following applies.

Stay away from Primerica and their pushy salesman with no knowledge in any financial area. They are posing as financial advisors looking to take your $199 and sell you anything they possibly can. After all as a member you better be buying all you are trying to sell.

Mel -

If you were asked to pay a fee for this "job" then told it could not be refunded, you should file a complaint with the Ontario Securities Commission:

http://www.osc.gov.on.ca/en/Investors_questions-complaints_index.htm

Online complaint.

http://gatorcapitalblog.com/tag/primerica-financial/

Primerica is one of the TOP performing funds since its inception in 2010.

Impossible to be scammed by a top performing NYSE stock and let's not forget - Primerica, through Citigroup, was the #1 company on the Forbes Super 500!!  The only scam here is the broke trying to advise the hopeful!!

I too was contacted by this loser who tried to interest me in joining this pyramid sales racket which preys on students and immigrants.  Avoid.

I fell victim to this scam known as Primerica. It all started one day when an unknown number called my cell phone and left me a voicemail. I listened to the voicemail and couldn't even hardly make out the name of the company from which the guy said he was calling. In the voicemail, he asked if I was still looking for employment.
As a recent college graduate desperate to find a job in this sluggish economy, I gladly called back and set up an interview. So I met with the guy who was to become my "field trainer" or whatever and he explained to me what I would be doing, and as a journalism major in college, I hadn't the slightest clue or interest in selling insurance, which is what I got out of the interview, but desperate to work, I agreed to a second interview, and the really weird part is that he asked me if I wanted to meet at the local office or if I wanted him to come to my house (strange).

I always felt really pressured when I met with him, and I found it strange the way he always had me write down names of people who I knew. He told me that there was a $99 fee but that if I didn't have it, I could do a "scholarship" program to where I go with my field trainer on three "successful" interviews with prospective buyers/victims in my "warm market" (people close to me - friends and family) to waive the $99 fee, which is what I chose to do.

So we went on several interviews to houses of people who I knew and the whole process just seemed a little strange to me. I found it weird how I wasn't participating (I would just sit at the kitchen table watching him explain all this information to my friends who were just as confused as me) and how he always left papers with everyone and asked them to fill out names of people who they knew. Even to customers who didn't or wasn't interested in the whole process, he would constantly call me and ask if I had gotten the list of names. Finally after the third client, my field trainer just stopped calling me and that's when I knew that I had been scammed. I could tell from the beginning that it was a little strange and didn't seem like a real job, but being the desperate unemployed college graduate that I am, I accepted.

I feel absolutely embarrassed to have to tell my friends that it was a scam and I am constantly apologizing to them for putting them through this and for giving out their personal financial information to these crooks at Primerica. These cronies are a weird bunch as well. My field trainer told me that I needed to go to the weekly meetings which were every Tuesday night and this was during the summer and Tuesday nights were volleyball nights for me so I rarely showed up and just made excuses as to why I wasn't there.

The few meetings that I went to were absolute repeats of one another. The same people got up in the same order and talked about the same old stuff - about how great Primerica was and how it's changed their lives, etc. I spent the entire time asking myself, "What am I doing here with these scammers?" To top it off, my field trainer told me that I needed to go to a regional meeting in St. Louis, which was the biggest joke and waste of time of my entire life.

All of these Primerica people are the most brainwashed and ridiculous-acting people I've ever met. I thought to myself that it was just a big cult.  Their phony postings here and elsewere, along with countless fake blogs and websites are indicative of the caliber of mediocrities that this organiziation attracts, and should be a red flag to any potential recruits or customers. To anyone who comes into contact with these people, I would say hang up the phone or slam the door immediately before they lure you in before it's too late. I made no money but lost no money either - only thing I lost was some respect among my friends and a great deal of time that I could have spent looking for other jobs.

Numerous calls and emails from this moron about some "position" - no details on the company given.  Looked it up here and found out it was "yecch" Primerica.

Primerica solicits as follows:

You post your resume on Monster, CareerBuilder, etc.

They troll the resumes.

They call you.

They leave a voice mail that says something like: "our company is opening a branch office in your area and we were referred to you as a strong candidate for a managerial position." If you call them or speak with them on the phone, they will invariably demurr on the details on the business, and pretty much stay with the vague script wording that they use in their voicemail. They will stay with the "management position for a big important company" schtick.

At this point, having had my time wasted with one of the [***] once on an in person meeting a few years ago, I bust them. I just say: "are you really representing Primerica". I generally get a sheepish "yeah". I tell them something along the lines of: "SORRY! I have a career, and what you are offering is total crap."  Usually they hang up on me. My fun for the day.

The point is, Primerica doesn't pay a salary, they demand an enrollment fee, they want you to attend their cult training, and they do not go out looking for programmers. It's a financial services MLM pyramid. The "jobs" are commission only sales jobs, and you create your own leads. You are supposed to recruit other Primerica stooges.  Utterly consistent and deceptive recruiting M.O.

Went to one of these bogus "interviews" in one of their "offices" located in a shabby strip mall.  Was total garbage, of course, a total waste of time - just a pyramid scheme as others have indicated.  Was hounded for months after by these losers trying to get me to sign up.

Even on their own website, buried under a tiny link to "Important Disclosures", they admit that the average income of one of their "representatives" in 2010 was (drum roll) $5,296 per year:

http://www.primerica.com/public/primerica_disclosures.html

Quite the little dialogue Grossman has going on here between fake posters about the thrilling "opportunity" they have been so exalted to be invited to participate in.  Then again, fake postings and bogus job offers are pretty much par for the course for this operation and others of their ilk.

Avoid.

I was recently referred by a friend to "Primerica" for an "opportunity."  He refused to mention any details and simply said, "Man, you just gotta check it out."  I obliged, considering I'm desperately looking for work this summer to pay for university.  On the drive there,  he gave me minor details, still proclaiming, "Man, you just gotta talk to this guy.  He'll explain everything."  From what I gathered, I figured this "opportunity" revolved around sales; my amusement quickly dissolved.

After waiting about half an hour, I was finally greeted by a "representative", whom I quickly identified as a boorish blockhead.  Our interview (I think that's what it was) began by him flashing all these fancy figures that I could be earn if I chose to join Primerica; uninspired and skeptical, I asked him monotonously, "So, doesn't this job require education?"  He was sharp--like a snake preying on a mouse--and said, "We actually require our representatives to complete a course in finance."  As our "interview" continued he explained why term life insurance was so good and frequently pointed at pictures of fancy digits and dollar signs; essentially I had no idea what was really going on, neither did he tell me what I'd actually be doing.  As he rapped up his uninspiring presentation, he began asking me hypothetical questions like, "How much money would like to make in life?" or "How many hours would you like to work?" and "What kind of luxury car would you like to drive?"--claiming all my dreams would come true if I joined Primerica, as I could work little hours and make a six-figure income (though, unfortunately, none of my dreams revolve around money.)  He then told me that I'd be required to pay $100 to get a finance certificate, and therefore be qualified.  I immediately thought, SCAM.  But no, I wasn't quite right. They do send you to a legitimate place (you can find them on your own) where you can obtain a certificate in finance.

As I had now listened to this guy's explanation--I think I was supposed to be brainwashed--my friend had now felt inclined to fill me in on the details.  On the ride home, which, by the way, he played a motivational CD by some Primerica guy (creepy,) I was finally told what I would be doing: selling life insurance.  On the surface, not that I would be interested or anything, it didn't seem like the deceptive conclusion that I came to later on.  However, as he continued, he said that for my "training" I would have to go out with Daniel (the representative) and explain to my family, as well as other close contacts, how the service worked; in turn, I would receive a small portion of any sales made.  By the time I got home, I began to put together the puzzle.  I was told during my interview not to look up Primerica on the web, but to go to specific sites, which he wrote down for me.  I thought that it was pretty sketchy, but  he assured me of the business's integrity with the high ratings that the company received in valid business magazines, and then showed me where Primerica was on the New York Stock Exchange.

Even though the closest I've ever made it to in business is through Death of a Salesman, by Arther Miller, I became acquainted with some business terms, terms that he failed to mention.  I reached the conclusion that Primerica is a multi-level marketing organization; they operate through a pyramid scheme.  Basically, how it works is you, the salesman, go out and sell their life insurance; in turn, however, your sales makes everyone else money, including a relatively small portion for yourself (the people higher up on the "pyramid.")  They operate through referrals and allow you to recruit people, yourself, to make more money (which is why my friend was so eager to refer me.)  The reason they want you to work for them is because you'll make them money, while they virtually do nothing.  There's essentially nothing wrong with this, but if you think about how such an operation is ran, it seems quite pathetic: they'll hire anyone (the more the merrier) and by sending these non-professional, non-educated people out to sell life insurance, do you think people will actually buy it?  What if the potential buyer decides to, uh, I don't know, ask questions?

This is where they get you again.  Throughout my interview, the guy explained how their product, term life insurance, was so great; typically, he's right, but for life insurance, it certainly isn't a "one size fits all" scenario.  Also, he made it seem that this product was so unique and that they're the only ones who offer it.  I believe I had asked him how likely it would be to sell this product in terms of competition.  He pulled out a red herring and went on about something else--I think about their really low rates.  I went on Google and was surprised to find that practically every insurance company offers the same service.  I did a few quotes under various ages and scenarios and also found that Primerica is much more expensive, practically under every circumstance, than other services--how are you supposed to sell that?  He had me convinced that their service was the "Wal-mart" (We sell for less!) of life insurance.  Nope.  Finally, I put everything together and this is what I gathered:


They try to sell life insurance to your friends and family (because, for your training, you have to "observe" the representative through six session of him trying to sell life insurance [to your close friends and family.]) And what better people to sell to!  You go to them, saying, "I just got this new "job" and this is part of my training--are they, as your friends and family, going to be inclined to buy this half-a** insurance policy?  Obviously.  Once you get through these six observations sessions, your training is now complete and you can now sell freely.  But, once again, who's going to want to buy from your non-professional, non-educated self?  Certainly, not those close friends and family, as they--if they decided to even make purchases--bought them off your representative.  I wouldn't see these people as your only hope as sales but, in the end, who's else is going trust your non-professional a**?  This is the beauty of multi-level marketing: your sales will quickly run out once you've heard, "Nos" from all you'll close friends and family.  At the end of the day, you, as well as many others, have just made someone higher up in the pyramid a lot more money, but once you run out of sales, that's okay, they have 200,000 some odd people just like you to bring them in more money and referrals.

You don't stand a chance selling this garbage.  In fact, the average income of a Primerica salesmen is little more than $5000 annually, which is a far cry from the $100,000 income they flaunt in your face as well as even a typical $20,000 minimum wage salary.  Don't waste your time.  If you're a good salesmen, have an endless supply of contacts, and you don't mind pressuring your close friends and family into sales, there's something way better out there for you then Primerica.

However, I never dealt with the "cult" aspect of Primerica; to be honest, I figured it would just make for an interesting headline, but it seems like there's an eerie truth to it.  Although I can only base my skepticism on the fact that I received creepy vibes from every single person in that building, it seems like a lot of brainwashing is taking place.  They keep you in line, as I said earlier, by telling you how much money you can make; they do this by having frequent conferences, "motivational" CDs, covering their walls in posters, and moronic representatives influencing you every step of the way.  They do this to motivate you, so reality takes a longer time set in; once it has, you'll be scratching your head wondering, why the hell you spent so much time on such nonsense.

Just a few of many threads that mention Primerica:

https://whocallsme.com/Phone-Number.aspx/2163934439
https://whocallsme.com/Phone-Number.aspx/4164366229
https://whocallsme.com/Phone-Number.aspx/5085592989
https://whocallsme.com/Phone-Number.aspx/5169467747
https://whocallsme.com/Phone-Number.aspx/5713668284
https://whocallsme.com/Phone-Number.aspx/6045250818
https://whocallsme.com/Phone-Number.aspx/6083358449
https://whocallsme.com/Phone-Number.aspx/6123091496
https://whocallsme.com/Phone-Number.aspx/6472926200
https://whocallsme.com/Phone-Number.aspx/6786485403
https://whocallsme.com/Phone-Number.aspx/7788476086
https://whocallsme.com/Phone-Number.aspx/8456618791
https://whocallsme.com/Phone-Number.aspx/8474586780
https://whocallsme.com/Phone-Number.aspx/8475840244
https://whocallsme.com/Phone-Number.aspx/9052649962

Here's what I've been writing to the WhoCallsMe Team!!

Out of curiosity - I keep posting information about the validity of your website - seeing as how you continue to allow posts like the one I'm commenting on to exist - where myself and no one from my office has called.  When someone googles our phone number this trash comes up... Your site is supposed to offer valid information to people who we have 'called' or contacted.  This individual is simply spreading hate and lies.  Our office has been in existence for 7 years - this individual's post, and many before it have been commenting using our phone number and writing ridiculous and malicious comments even though we've never contacted them.  I understand that not everyone is a fan of our company - not everyone is a fan of Whocallsme - but I'm simply asking you, on behalf of my team and office, to remove all the postings, including this one, of people that we haven't called.  Or, please leave my comments and stop deleting them - giving me too the option of "free speech" on your site.

Thank You,

Ray Anchetta

All that I'm asking of you is that you remove all posts that we DID NOT CALL - let them use other forums or someone else's phone number but not ours.  I, and many of my colleagues, work under this phone number and there are many posts that are misleading, irrelevant or simply untrue and slanderous that

All that I'm asking of you is that you remove all posts that we DID NOT CALL - let them use other forums or someone else's phone number but not ours.  I, and many of my colleagues, work under this phone number and there are many posts that are misleading, irrelevant or simply untrue and slanderous that are posted under this number.  If you choose to leave these posts for others to read, then please leave my post as well.  If this site is allowing freedom of speech regardless of relevance than I should be allowed to comment on the context as well and post whatever I like too, right?  Either remove posts that we did not call or allow mine to stay.

I'm not sure if you're aware of this Ray, but yes some of the posts are false information.... BUT... many scam artists/telemarketer/prank callers have telephone "spoofing" software which allows them to proram in any # they like to show up on people's call displays.  It could be that some scammer used your number simply by random selection, or someone who may just not like you and used your number.

just so you know... it's not always the website's fault

FYI, as far fetched as it may be, I understand that's a possibility, however, that being said - tagged to this number are false comments about Primerica.  Someone who is going to research my office number is going to see a stream of garbage written by people that were never contacted from this number.  Some of the diatribe written is informatyion that you'd only find in the States and doesn't even apply to CANADA!  Yet this site allows wrongful and hurtful information to remain on its pages.  This site should take your comments into account and start removing anything that is clearly not from my branch.

The users say they were contacted by Primerica; you say Primerica never contacted them and ask to take your word for it?....

What's clear is the public has questions about Primerica and how it operates. Could you address the questions and refute the wrongful information in a public response?