4. Yes, there are some rules like I must follow each carriers advertising rules and I must meet XYZ carriers requirements. Careers So if ROP GUARANTEES TAX FREE return of This is one of the reasons why they are no value term. Name a company that only has to pay their sales force when they only make a sale? Michaels name is not Michael but THomas Michael. Also if you try to have conversations with peopel of limited means, they will drag you down to there level and beat you with experience being there. If I save a client $17.00 a month I could offer them a Legal Plan or maybe a small amount of disability depending on the comapny. He believed in being Independent. It is what you are. I read credible articles, polls, and surveys, and I am mentored by many self made wealthy people, who endured the uphill battle. Until you have been with the company you cant say what truly happens. I can respect that and if I run into one of his clients he will lose. 1. Losing a leg is not bad. I know you need to cover every illness? On the other hand it may not be for you or you may not be the right fit for Primerica im not afraid to try. what I believe is a better system and I decided to follow my belief. Michael Thomas @ 2:59 pm You are correct here. I have trained more salespeople than Michael and you together. They do not suggest anything that will not work out. This type of policy is also known by competent advisers, as TRASH VALUE. So why must you use Life insurance as a Long term Care policy? You must think everyone is an idiot. They sell at a loss to get the client and harass them. Now they ahve already gotten people to go through the program and get everything covered since this is over 1 year old. I do this because I have a passion to really help people and when I get the mind set of commissions are more important that peoples futures, I then must leave the industry. The last one is a joke since there is no accountability to who does the test. It is worth over 7 billion dollars. It is fair. Though there are successes, when you get into investments and mutual funds, the situation gets more serious. You make more because you charge more. That is guarantee. NOw you know they cant, but that is the road you are going down., ****Do you know insurance companies are quoting policy ages up to age 121? It is foolish like buying cash value. shwoed I am curious everything you suggest cost the clinet more and make you more money. Find them and post them. Securities for retirement, home ownership, college, and whatever else you need. I dont. Oh by the way, this is the James that posted on July 26, 2008 James @ 9:25 pm for the first time. He did know about it, but he said they were a rip off. I knew that from the get-go, but instead of looking at it from the standpoint that most people do (wow, that sucks, 98% will never make the big bucks), I said me and one other person here are going to have a lot of fun here!. It is a level playing feild. You have trainers and support staff to help you. You and Michael are doing great. The second thing that turned me off was the referral/recruiting process. nor Did Why waste my money? The only thing you learn in the classes is how to sell cash value, also known as trash value. Now ask one of the RVPs why doesnt PFS just offer a policy that pays to age 100 (or beyond) with a level premium and a level death benefit to combat a cash value policy? And that would mean your clients in those ROP, will never see their money. Well this is where you are wrong. Costing them money in Bonuses. Needs to be triple checked and made sure of no errors. Old Mutual Financial Network (F&G) I think you need to make sure you proof read your writings. Coincidentally or not, this seems to be somewhat of a win-win. This is a legal definition. Williams and Associates, Inc. After a series of expansions and acquisitions by predecessors of Citigroup Inc. throughout the late 1980s and 1990s, the organization was refounded in April 2010 as Primerica, Inc., an independent and publicly traded company. Remember Price only matters in the absence of value. if your field trainer took your referrals- you have a crappy baseshopswitch to a new one your complaint better be legitgood baseshops dont accept crybabies) Then, whithin my baseshop, that $99 that you sepnd to join our business-you can get backby witnessing 6 training sales and hiring 3 people. If he is wrong in any area his posts are not trustworthy. contractors with PFS agents are not employees and World Financial Group is a Transamerica-owned company that sells financial planning services, such as savings, insurance, and retirement products. , Something that cost more from you, that most everyone can get cheaper else where. -. I only stated my experience with the recruitment process and what I actually learned before I joined PFS. I have no quotas to meet. there is no requirement for anyone to do a Term to perm. But they know the Grass is not greener on the other side. Great how long has your business been in Business? So why are you selling this to the wrong person. You do not handle the complaint it becomes a problem with a regulatory issue. I am not on commission or salary, but an OWNER. May be you are Like Micheal someone that had to leave or could not pass the back ground check. Given the information any PFS agent who looks at it with a clear mind can make a decsion thats in their best interest. But the main reason I joined is because my husbands grandfather got robbed by two of the whole life insurance agency. You get to pay for you licenses? -, Since Michael has never answered any challenge of mine, and This looks exactly like the same one he did, I am wondering if this is not one of the Competitors favorite trick. Did you find out you were wrong about that? and try to get those people to do the free analysis. They spread the word and the regional rep takes him/her on appointments and closes all the business making more on the business than the junior rep.. which u all think is justifiable but in reality the person with the actual relationship makes the most. How many cash value types insurance are there. But then again, I am smarter than most, and not as gullable as your clients. Unless he has a third arm or something like that, it sounds to me like you have no one but yourself to thank for your income. IN a job you do not have the chance to be that. How about when the client asked a direct question that you hem and haw at? How is it team driven to take away income from someone? Securities License, $400.00+. You can use the ROP as an investment tool while protecting the family. The females should have cheaper premiums. Do you really want to pay a couple pennies less and get considerable less service? I hope you are since you have no backing, no deep pockets. What did they call that having a low persistancy? , If you are saying accidental death and dismemberment, then I have covered it above. You cant consider a Life Settlement option. Hmmmm.its a win win situation for a clients and us. Hey wait a gosh darn minute Micheal. Senior Rep. Division leader. More compensation. So You are losing the logic game here. You need to go read and understand your craft more. Tom, you said, Funny you have been doing this for months now. So, I went and it was unbelievable. Second, you get training. The P320 has evolved to include steel-framed models, such as the AXG Scorpion pictured above. Tom tries to abuse the power of persuasion to manipulate his customers to purchase what he sells. Is the money different? Then they go out and rehire a ton of people and get in their warm market.etc etc. And look at the companies they suggest. Regaring my comment about bad mouthing, I stated that licensed Insurance Producers here in Illinois cannot defame another agency or its products. The client then gets a letter saying you need to pay usually 100 to 500% more for the same insurance or lose it. No two year clause or 50 mile clause. It is the same as an independent as it is at PFS. If their full-time job doesnt allow it how do they make it a year with PFS? If the office is big enough, you would meet several. 2.) Tom, you forgot to capitalize being part-time I bet your present broker will through a fit, and send his lawyers after you if you tried to take them. I have done the research. But that is changing. I posted the truth from my experience and belief. Oh and Mensa? You said you will quit if you ever find out that you are not doing the best for the client. Tom has taken it from a friendly level to a negative one with no facts only experiences from his agent and hearsay. Is this why your clients need to have life insurance, you place them in fixed accounts? Its about buying a term policy and people having an issue with not getting anythng back at end of Term. Thank you for all your thoughtsI have decided that the company is an asset to some but I am not one to fill that spot. You have attacked me. I responded to this blog because the owner not owener LOL said, I would love to hear your perspective if you heard of them, been recruited by them, worked for them, or currently work for them. . You did do the 4 step program and visited the office? This is America and there should be competition. Also, I can recruit just one person, and get a slight increase in my commission percentage. Your upline may not have any problems with ethical violations, but Primerica wants to keep everything above board. I know because you think it has a viable option. If I had a business in your neighborhood that only sold CITI products and services and I was successful at it. It is a product for the insurance companies to make more money. Bottom line is: Term is better than Trash Value, Fixed loans with a debt elimination plan are better then ARMs and Neg.AMs loans, getting out of debt is better than being in debt, Mutaul Funds are better than leaving your money in the bank, Building a successful business is better than a successful job, if there is one. Just remember who brought in the downline and who trained the downline. If you times that by 20 years thats a savings of 12261.60. *****Now let us talk about Whole life. . I know it was no insurance company. You are proving the adage: A little knowledge is very dangerous.. top of that there are indexed annuities which you dont have. Again, ALL ARE GUARANTEED rates. And what about professionalism: Most professionals leave their office number, not a cell phone, unless they do not have one or want to hide something. I know because you rather confuse the client. Privacy Because protection of family. 5. Consumer Reports. Again you need to read, I am a client with more knowledge than you. I try to stay away, but they just keep calling me back.. ***Tom in many instances the issue isnt about saving. And the fun thing it is up to them. Why not address the fact that you get more value with Primerica than your way? In a terminal situation there may be other expenses especially if there are LTC cost without a LTC policy. Since you said you offer these worthless products, does that mean you will sell what ever you can make a buck on? But Since they are you competition should you not know what they sell so you will know how to respond? I am in sales. So If I read it right he chose not to get Disability insurance that I have been talking about, and it isw whose fault? That term policy can be converted and the funds used for maybe a LTC policy, ans Annuity, or whatever. Some think there is a good reason to get max amounts of term.. Now I didnt say everyone, I said some people. I wont even attempt to comment on your race analogy. Williams, to go RVP you had to give up your entire team and start over again. We are in the beginning wave of the baby boomers and theres going to be a 15 or 20 year period to attack that boom. I bet you think Family Guy is a great show too!!! Point is, anyone with the UNDERSTANDING and common sense to undestand that more goes into a business that having a name and a goal to make money can figure out Primerica and make it work. I am so glad some of the agents do this. Did you know that cash value is annual renewable term? In my experience cash value companies use term as a lose leader. But noticing his statements here I doubt it. We all know some people dont pass test or just dont wish to go through licensing. Dont be so hostile, its all good.we will never agree and thats okay. 3. His sales pitch how my wife and I would be a great managers working for PFS. Annual Reviews of my position. Some of the stuff your saying when searched out will show that you dont have a clue what your talking about. You are right about Term4sale.com they do not sell term insurance, they sell teh program for the agents to use to sell term. 3.) I havent seen the current Primerica policy, but at one time there was an admin fee for the TI. My Buddy was on it, he kept getting calls from a Cash value insurance company. The Mortgage appointment has been around for many years. Terminal Illness rider, is one. -, b) Your downlines have a much more valid income opportunity as an independent (by the way, my top Rep will get her Ring THIS month! 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