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Major Rewrite Needed

This article needs a *major* rewrite. It is incredibly biased towards the company and uses company pages (or other questionable sources, such as a blog post from Palminfocenter.com) for the vast majority of its references. It used to be much more balanced last year but it's taken a turn for the worst now (I suspect it's agents (which provides a conflict of interest, especially since I see a lot of them on this talk page). I don't have the time to do the re-write at the moment, so I stuck the "Neutrality" and "Advertisement" tags here and restored the "Criticism" section (although I don't like that section as it stands).-RomeW (talk) 02:56, 26 March 2008 (UTC)

Ripoff Report 'criticism'

A cursory examination of the 'ripoff report' review, website, and ripoff report shows that it's probably not a reliable source. It seems to be, (at best) a blog where consumers can post complaints of companies, or (at worste) a muck racking website which posts unfavorable reviews and then extorts money from the company to alter them. Either way, it doesn't seem like an appropriate 'varifiable source'. As much as I am loathe to remove information and not have anything to put back in it's place, i'm afraid until a reliable sources can be found, i'm going to remove the entire section. Bigmacd24 (talk) 22:31, 22 March 2008 (UTC)

Good to see such interest in the page, also, kudos to everyone for talking about my edit here instead of just reverting. I kinda agree with Monkey Bounce about removing the whole section, it was my intent to do so yesterday, but the 'citation needed' seemed more convincing last night than it does today. Timberlax's review of the ripoff report describes it as the internet equivalent of 'the national inquirer'. I realize the review that was linked is from 'the president of ripoff report' but i'm not 100% on that making him a reliable source. As for the review apearing journalistic, that's all fine and good, if the reviewer is a reliable source. I'm going to spend a bit of tonight reading up the exact policies regarding this. But I figured i'd drop a note in here first. Bigmacd24 (talk) 08:42, 24 March 2008 (UTC)

A Dubious History

Primerica has a dubious history and in the interests of equitable coverage should be included in any article on it. As part of that heritage, it should be noted in this article that Primerica was prohibited from practicing in the State of New York for a period of time. Additionally, they may have been prohibited from practicing in other U.S. states as well. Stevenmitchell 23:05, 13 March 2006 (UTC)

I would like to state that, being a former agent myself, I don't believe for one second that the $199 fee goes to "government courses". Why? First of all, if it is a state-sponsored (or provincially-sponsored) program it wouldn't be "$199" everywhere- it would vary. Second of all, if it's a government program, then you should be able to get your license following the completion of the program. The fact that you don't indicates that it most likely isn't government-sponsored.

I would also like to state that the previous revision's assertation that the opinions of former agents can be "dismissed" to be rather disgusting. We are not merely a class of fifty or so people- thousands of failed recruits come every year, as the company loses between 90-98% of its workforce annually. In a subjective article, these complaints- which are substantial- should not be brushed aside but rather brought to the light, since neutrality demands that nothing hides its bad side. I am not saying that Primerica cannot provide a legitimate business- some people have managed to succeed, and I congratulate them. However, for a Wikipedia article to denounce the accusations of many as unimportant stands in the way of everything that Wikipedia is about, since neutrality isn't about hiding anything.-RomeW

IN REALITY, NO ONE IS BEING TRYICKED INTO ANYTHING THEY DONT WANT. IF PRIMERICA DIDN'T WORK OUT FOR YOU IS BECAUSE YOU DIDN'T PUT THE WORK BEHIND. YOU ALSO THOUGHT THAT THIS WAS A GET RICH QUICK TYPE OF THING. AND IT ISN'T. TRUE, OVER 90% OF THE PPL THAT JOIN END UP QUITTING. MORE THAN HALF OF THESE PPL QUIT BEFORE THEY EVEN BECOME LISENCED! HOW CAN YOU EXPECT TO MAKE MONEY IN THIS COMPANY WITH OUT YOUR LISENCE?? PRIMERICA IS NOT FOR EVERYONE, BUT THEY SURE DO GIVE EVERYONE THE OPPORTUNITY TO MAKE SOMETHING OF THEMSELVES. DONT LEAVE PRIMERICA BITTER BECAUSE IT DIDN'T WORK FOR YOU, ITS OBVIOUS THAT YOU DIDN'T PUT THE WORK BEHIND IT.

MONZON 22:06, 13 March 2007 (UTC)

Purported cult

This material is from the article List of purported cults, which we are paring down to a pure list. Editors here can best evaluate its statements and decide how to integrate it into this article. Thanks, -Willmcw 10:58, Mar 14, 2005 (UTC)

17:22, 13 November 2005 (UTC)17:22, 13 November 2005 (UTC)~

In general,Primerica suffers from some of the same issues as other MLM businesses. I should clarify that MLM does not mean scam, it's simply an entirely voluntary hierarchy system based on amount of members recruited/business done (either through volume or dollar amount). Most of these issues have to do with the impossible difficulty of controlling such a large representative base. One greedy rep, and now people get screwed. The top of the hierarchy's message to reps is always the same: be honest and help people. Some members take the traditional approach to high pressure insurance sales, which turns away potential reps and clients. Every MLM suffers from some organizations that participate in unethical practices. However, the quality of services offered through Primerica are undoubtedly high and definitely in demand for any willing and able rep to build a lasting and profitable business with.

The products/services offered and compensation provided to reps are what differenciates PFS from other MLM systems. There is a real demand for what Primerica offers to middle class families, not overpriced groceries. The system also does not suffer from hundreds of dollars in investment per month to be successful. The licenses gained are legitimate, the need is legitimate, and the vast majority of reps follow the rules and guidelines set by the company.

On the subject of the one time $199 fee, this fee was talked about towards the end of the Overview, and explained thoroughly by the RVP. The fee is broken down into two parts:

1.)$40, non refundable. Goes towards federal and state background checks. No Felons, please.

2.)$159, refundable. This is for the prelicensing courses provided by the company. The cost of the course is over $500. The $159 is the amount that the rep puts towards that amount. The company pays the rest. If a rep does not get licensed in 120 days, the fee will be refunded and the rep will no longer exist with the company.

In ending, I have not heard any "Amens" or mention of "God" in correlation with the company or any of its members. Generalizing the business as a cult is simply irresponsible and ignorant.

I was at a meeting today and there were several employees placed as foils at the meeting who would shout out agreement whenever the recruiter said something, and supply facts when he called for them. It felt very much like a cult to me. Especially with all of the videos of Ferraris and big houses and promises of a better life. Markleci

Were the things that the 'recruiter' said true? If so, I don't see why one WOULDN'T agree. How does 'promise' of a better life and REAL rich people driving their ACTUAL CARS=cult? If anything you make it sound like one of many 'get rich quick' plans ala infomercials. I'm honestly dumbfounded by your response to it. i'm guessing they played the video from the Success from Home magazine(July 2005 the entire issue was dedicated to Primerica). John Adison speaks of how hard it is to succeed with Primerica in the video. No promises are made in an opportunity meeting. Furthermore 'placed' and 'foils' implied they were secretive about the fact that they were reps(ask them before them meeting, they'll tell you.). It's common, in fact almost REQUIRED for reps to attend the meetings. Especially if they have guests. Was the person who invited you there? of course they were, or at the least their upline. 'Flis' itself implies that there were people speaking agaist the things they said. Again, I find your response odd and most likely that of osmeone LOOKING for a reason to dislike the company. This IS verifiable information. I'm at almost every meeting our office has. I speak from experience. I can quote people here if you like. I'd like more specific information so I can make a more detailed response to what you're saying. --Thegzeus 16:11, 6 June 2006 (UTC)

Even if what the recruiter was saying was true, having employees pretend to be members of the audience is dishonest and highly questionable. If the "REAL rich people driving their ACTUAL CARS" were highly atypical results then that is not an honest promise, and does have some of the earmarkings of a cult. The meetings themselves do sound like get rich quick plans, even if the people running them are careful to mention "all of the hard wor

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