Primerica sells only term life insurance. They are a big promoter of buy term and invest the difference. If you invest wisely, once your term runs out, you will have plenty of money and no longer need life insurance.
This plan works for many people but it works even better if you shop around a little more on your term insurance. Primerica is not known to have very good prices on term life insurance. You can usually find it at a lower price and have more to invest.
Co-Founder, Coastal Financial Partners Group, California
Primerica sells term life insurance. The company was established on the belief that individuals should "buy term and invest the difference". Their representatives are trained to sell term life rather than permanent (cash value) life insurance. The company relies upon part time sales people to sell its term life insurance product.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
What kind of insurance does Primeamerica sell? Basically they sell level term insurance, which unknown to them is a form of cash value insurance. What Primeamerica really seems to be about is multi level marketing. The goal seems to be gathering agents rather than selling policies. Agents are encouraged to build an agent base for the upline agents. While they are not alone in this practice, most people just want their agent to be their agent.
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This plan works for many people but it works even better if you shop around a little more on your term insurance. Primerica is not known to have very good prices on term life insurance. You can usually find it at a lower price and have more to invest.