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How Some People Think The Primerica Scam Works

by robert strong

Primerica Scam

The Primerica scam has fooled many people in their own words into believing they can become rich by selling their products. Primerica is a company that claims to be affiliated with Citi group. Citi group decided to cut ties with Primerica in 2009. The company believed that Primerica no longer shared their vision for success.  Primerica recruits anyone who is willing to pay their membership fee, and tells their recruits they can be a millionaire by selling their products to people who need them. Primerica still likes to claim they are associated with Citi group to boost their credibility. Millions of people say that they have fallen for what they consider the Primerica scam.

How Do People Say The Primerica Scam Works?

How Some People Think The Primerica Scam WorksRepresentatives for Primerica approach people while they are shopping, hanging with friends, or doing mundane tasks to try and sell them the Primerica scam. They ask unsuspecting people how they feel about keeping their options open when making money. This question is meant to start a dialogue between the person and the Primerica representative. The Primerica spokesperson then proceeds to tell the person who they work for and how much money they make. The conversation ends when the spokesperson invites the interested individual to an information meeting to find out more about the company.

Why People Think That Primerica Scam Is Real

People claim the Primerica scam works by using a pyramid scheme. The information meeting is held in a rented conference room. Senior members of the company who claim to be there for a different meeting greet the guest.  The people over the meeting gather their guest contact information. Guest who choose not to become members are later contacted by representatives who try to convince them to change their mind.  They then attempt to motivate their guest by telling them how long they have been with the company and how much money they make.  When they are done talking about themselves, they show a video that talks about how their products are affiliated with Citi group. They talk about their representatives traveling to different locations to make business deals. The senior members of the group will be in the other room and cheer at random times, to appear they are celebrating something. It seems that their goal is to make the Primerica scam appear believable.

When the presentation is over, the company representatives continue to tell their guest how good it is to work for Primerica. They tell their future representatives they will need to pay a $99.00 licensing fee up front, but the license does not come until six months later.  While waiting for license approval, new recruits continue the process by going out to recruit new people. They are paid a small fee for getting new people to join the business.  There are many people that say the “Primerica scam” is a pyramid scheme, and it will eventually fall apart when people realize they are being hoodwinked.

How Some People Think The Primerica Scam WorksRobert Strong

Skype Robert.D.Strong

Phone 1.816.294.4213


What do you think? Is the what people say about the Primerica Scam real? I would greatly appreciate you sharing it with others and leave your comments below!

How Some People Think The Primerica Scam Works

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How Some People Think The Primerica Scam Works

robert strong

Internet Marketing Ninja at
I was a once over worked under paid and definitively under appreciated retail manager that had enough of the corporate rat race. I found a creative solution to work less, make more money and live the life that i wanted to live and not what others wanted me to. click here right now to see the simple little system that I'm using that can help you make more money in any business you are in right now!
Frank says:

Interesting how this article is coming from someone who endorses a MLM with similar structure and attributes to Primerica..

Member….not “manner” of the New York Stock Exchange. Sorry about that

Robert Strong says:

Fully understand…no worries.

Okay I am going to be as professional as possible in attacking this allegation. First of all I want to address the credibility issue. Primerica is a manner of the New York Stock Exchange (PRI). We work with multiple companies such as MetLife, Lincoln Financial, Invesco, and we do life insurance through Primerica. We have been in business over thirty years and we are the LARGEST TERM LIFE INSURANCE PROVIDER IN NORTH AMERICA. According to, we are the only life insurance company that has a grade of 100%. Other notable insurance companies on that list include Aflac and State Farm. Next is the license. The story about it taking 6 months to get a license is false. After you pay the $99, you are to go get finger prints which along with the $99 goes to the state to get your temporary license (some states don’t have temp licenses. I live in ga so my temp license is good for six months). You get your permenant license after you complete pre licensing and pass the state exam. How soon you get your license depends on you. If you are lazy an it takes six months for you to finally take the test then that’s on you. Last is the pyramid scheme. Let me just say this. A pyramid scheme is illegal first of all. Next, the closest thing to a pyramid scheme is not Primerica or any other multilevel marketing business. IT’S YOUR REGULAR JOB THAT’S THE CLOSEST TO A PYRAMID!!!! Think about it. If you are an entry level worker, you make the least amount of money. The person above you makes more than you but less than their superior. That process continues up in corporate America up to the owner of the company. Also with a pyramid scheme, it’s very difficult for you to surpass your superior (boss), but with multi level marketing companies, you can pass the person that recruited you depending on how fast you catch on. So in closing, I’ve never heard of a scam being of the stock market. Anyone in our company that sells any life insurance policy or does a mutual fund has a license to do it. Your job is more of a pyramid scheme than Primerica is. If you think it’s a scam after all I just said, all I can say is everybody has the right to be ignorant. Hopefully this clears a lot of the air

Gerald Charleston II,
Primerica Senior Representative

Robert Strong says:

Good afternoon Gerald,

I definitely appreciate your feedback and as you notice throughout my post, I do not say that Primerica is a scam or not, I state based on what is online, what have been in the news and what people are stating. While I have never been part of the Primerica family, I feel that like most things in life, if you do not put the effort into a desirable result you are looking to obtain, the likeliness of your success is not as high. A prime example would be in business, many business owners or Entrepreneurs do spend a ton of time on their business, they eat, breath, sleep and are involved in their business 24/, which gives them a higher chance of success.

I have found over the years that people that believe a business model is a scam, that many of them did not either follow the path laid before them and or did not put in the effort to be successful. While there are business models that are a real scam, there are many legit opportunities on the internet and offline, and I strongly advise people to look into the opportunity and make a choice that they feel good about.

You mentioned that a J.O.B. (Just Over Broke) is a pyramid scheme. While some may feel this way, and some do not, it is a matter of what the person is looking to obtain, not everyone wants to be in network marketing or marketing in general (which we know where many people make a great deal of money), there is also a trade off. There are people that lead you to believe that making a sustaining a 6 figure income or more in this industry is a everyday walk in the park, I am here to tell you, it is not always perfect. There can be long hours, headaches, days you feel like you want to throw your computer across the room and out the window into the street, and many of us spend thousands of dollars a month on keeping up on the latest education seminars that come out. There are times that we learn something new and within a week it changes. There also can be a huge responsibility that you have to help others, some people do not or cannot handle that. This is why there are JOBS out there that people can do but also have a semi- ok lifestyle.

Here is food for thought, imagine if everyone quit their JOBS and dove into an industry like network marketing, who will flip the burgers for me at my local burger joint, who is going to do my dry cleaning at my local store, who will sack all my groceries at the store, who will deliver the gas to the station so I can fill up my car? These are all jobs that are needing to be filled and some people love doing these things. I do not think that the JOB market is a pyramid at all, they are hired to do a job at a certain wage and they are paid for their services. I feel that your thought process also says that any business or company that has a president/CEO that gets paid the “big bucks” is a scam….. Is Microsoft a pyramid company?
Is BP Oil & Gas a pyramid? Is Wal-mart a pyramid?

I am looking to here back from you soon, again thank you for your in depth comment, I truly appreciate it.

Gerald charleston says:

Thanks for the response…… I don’t think that those jobs you mentioned above are scams nor pyramid schemes. I believe that they are the closest thing to a pyramid scheme that society has (remember I said pyramid schemes are illegal). I don’t feel that corporate America jobs are scams at all. I was trying to compare multilevel marketing companies to corporate America jobs. That’s all. I totally agree that the way a person feels about a business depends on if they followed the plan correctly. Thanks again for the response. We need all the small jobs no question.

Robert Strong says:

Good afternoon Gerald,

Thank you for the response, both of your comments give readers something to ponder and decide which way they want to take their future.

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