请教，有没有人知道primerica的FNA
- 主题发起人 westaa
- 开始时间
Stay away and run for your life! This is a MLM and suck people like a leech! Their FNA is a joke and many Primerica agents have very poor financial background, their advice is almost useless. Their term insurance premium is one of the most expensive in the market. If you want to buy insurance, go with an insurance broker who can shop for you for the best deal.
I can go on and on as I was 'almost' a victim of Primerica. Luckily, I got out before it was too late. To learn more about this company, type 'Primerica Scam' on Google and you'll see tone of web sites.
Read these two web sites for some stories about this 'Wonderful' company, as the Primerica agents claim.
Alex Le’s Blog / Primerica… scam or not?
Primerica's Training Program??? - Vancouver Forum
I can go on and on as I was 'almost' a victim of Primerica. Luckily, I got out before it was too late. To learn more about this company, type 'Primerica Scam' on Google and you'll see tone of web sites.
Read these two web sites for some stories about this 'Wonderful' company, as the Primerica agents claim.
Alex Le’s Blog / Primerica… scam or not?
Primerica's Training Program??? - Vancouver Forum
friend4china
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Primerica
你是谁？
Primerica是全球最大银行CITI GROUP (花旗集团)的全资机构，人寿保险最好，该公司旨在教育，引导广大民众尽快减少债务，有更多的存款去过更好的生活。只有哪些不懂理财，或引导人去买月供八十元只得五万至十万的人，才不喜欢Primerica.
FNA是一个好的开始去认识你自己和你的财政状况。
你是谁？
Primerica是全球最大银行CITI GROUP (花旗集团)的全资机构，人寿保险最好，该公司旨在教育，引导广大民众尽快减少债务，有更多的存款去过更好的生活。只有哪些不懂理财，或引导人去买月供八十元只得五万至十万的人，才不喜欢Primerica.
FNA是一个好的开始去认识你自己和你的财政状况。
我也查了一些资料。有人说极好，有人说极不好。那如果真象你说的那样，为什么会有人说不好呢？他们不懂理财中的哪一方面呢？在引导广大民众尽快减少债务有更多的存款的同时，Primerica得到什么好处呢？
friend4china must have been 'brainwashed' by Primerica. What friend4china said was EXACTLY what I was told ... luckily, my degree in finance helps me not to be 'brainwashed' and got out as soon as I could.
"人寿保险最好", one of the most expensive, especially for female, term insurance!
"引导广大民众尽快减少债务", most of Primerica agents themselves in financial debts. Their SMART loan is a sucker ... interest rate is much higher than what you could get from the bank. Primerica recruits anybody, regardless of their background and education. Would you listen to someone's hardly know much about finance for their financial advice? One primerica agent told me a loan of 8% interest rate for 40 yrs is better than 6% for 25 yrs! What's a idiot!
"月供八十元只得五万至十万" for people buy 'whole life', not term! Whole life is not good for most people, however, this is for people with money for estate planning. Therefore, if you have dependants, please buy term insurance with bigger coverage and less premium. For example, a healthy 30 years old female could get $500,000 coverage for less than $25 per month.
"FNA是一个好的开始去认识你自己和你的财政状况" Just trash it as this is the way Primerica to find out what you own and try to suck you as they could to invest in their products.
"人寿保险最好", one of the most expensive, especially for female, term insurance!
"引导广大民众尽快减少债务", most of Primerica agents themselves in financial debts. Their SMART loan is a sucker ... interest rate is much higher than what you could get from the bank. Primerica recruits anybody, regardless of their background and education. Would you listen to someone's hardly know much about finance for their financial advice? One primerica agent told me a loan of 8% interest rate for 40 yrs is better than 6% for 25 yrs! What's a idiot!
"月供八十元只得五万至十万" for people buy 'whole life', not term! Whole life is not good for most people, however, this is for people with money for estate planning. Therefore, if you have dependants, please buy term insurance with bigger coverage and less premium. For example, a healthy 30 years old female could get $500,000 coverage for less than $25 per month.
"FNA是一个好的开始去认识你自己和你的财政状况" Just trash it as this is the way Primerica to find out what you own and try to suck you as they could to invest in their products.
friend4china
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[FONT=宋体]我也查了一些资料。 多谢你以一个求知的态度去求证，这是一个非常正确的方法，终有一天你能得到真知识。[/FONT]
[FONT=宋体]有人说极好，有人说极不好。，那如果真象你说的那样，为什么会有人说不好呢？人人都说好的人或事是不存在的。当Primerica在短短的年日内迅速发展时，当然会冲击那些既得利益者[/FONT][FONT=宋体](Canada Life and Manulife have very good term insurance. You could call me at 613-825-2207 for more info.Jalise wrote)。他们当然要抹黑Primerica了。[/FONT]
[FONT=宋体]他们不懂理财中的哪一方面呢？有些人认为自己有 "degree in finance"，就以为很聪明，实际上他们会有更大的误区。一个不断求知的知识分子的正确态度是 "读书越多，就承认自己知道的，懂得的越少"[/FONT]
[FONT=宋体]在引导广大民众尽快减少债务有更多的存款的同时，[/FONT]Primerica[FONT=宋体]得到什么好处呢？？Primerica 与客人分享成果。是一个双赢的合作伙伴关系。如果Primerica 没有赚钱，它就不能生存。如果客人没有赚钱，没有利益，客人早跑光了。老实讲，Primerica 从来都不做广告，生意是靠好口碑得来的，客人介绍客人，新客人明白了Primerica 的生意之道和产品后，就一直成为Primerica的客人。[/FONT]
[FONT=宋体]真金不怕洪炉火。愿你有一个美好富裕的人生。[/FONT]
[FONT=宋体]拥有财富从认识Primerica开始。 [/FONT]
[FONT=宋体]多谢[/FONT]
:blink: :blink: :blink: :blowzy: :blowzy: :blowzy:
[FONT=宋体]有人说极好，有人说极不好。，那如果真象你说的那样，为什么会有人说不好呢？人人都说好的人或事是不存在的。当Primerica在短短的年日内迅速发展时，当然会冲击那些既得利益者[/FONT][FONT=宋体](Canada Life and Manulife have very good term insurance. You could call me at 613-825-2207 for more info.Jalise wrote)。他们当然要抹黑Primerica了。[/FONT]
[FONT=宋体]他们不懂理财中的哪一方面呢？有些人认为自己有 "degree in finance"，就以为很聪明，实际上他们会有更大的误区。一个不断求知的知识分子的正确态度是 "读书越多，就承认自己知道的，懂得的越少"[/FONT]
[FONT=宋体]在引导广大民众尽快减少债务有更多的存款的同时，[/FONT]Primerica[FONT=宋体]得到什么好处呢？？Primerica 与客人分享成果。是一个双赢的合作伙伴关系。如果Primerica 没有赚钱，它就不能生存。如果客人没有赚钱，没有利益，客人早跑光了。老实讲，Primerica 从来都不做广告，生意是靠好口碑得来的，客人介绍客人，新客人明白了Primerica 的生意之道和产品后，就一直成为Primerica的客人。[/FONT]
[FONT=宋体]真金不怕洪炉火。愿你有一个美好富裕的人生。[/FONT]
[FONT=宋体]拥有财富从认识Primerica开始。 [/FONT]
[FONT=宋体]多谢[/FONT]
:blink: :blink: :blink: :blowzy: :blowzy: :blowzy:Primerica 的生意不是靠好口碑得来的, but using the trust that your family & friends have on you! That's what they call the 'warm market'. They are not only want to suck on you by recruiting you, but also want to suck on your family & friends! They make you believe that you can make money and help your family & friends at the same time. I was sucked in by this 'VALUE' but quickly realized Primerica agents care the most is their own pockets!
Hi,
This will be my last entry with this topic. I don't have the time and energy to have a war with friend4china. The smart consumers will find out themselves that people like me 要抹黑Primerica or Primerica is 黑 by itself.
As my previous entries stated, I was sucked in by Primerica. Yes, I was one of Primerica agents. My initial meeting with a Primerica agent, he offered me $200 to provide him my friends & family names so he could do their FNAs. He told me this is a win-win situation that I can make money and at the same time help my friends & family to have a professional (him as Primerica agent) to take care of their finance. I turned him down. I told the agent that I would not refer my friends and family unless I know more about Primerica and this company is good for them. I insisted to take insurance course and know more about Primerica. Anyway, I got my insurance license (first try) and became a Primerica agent. During my field training with my family and friends (my warm market), I saw first hand how my trainer (a Primerica agent) tried to suck on them. Luckily, I already licensed and know more about insurance (plus my financial background), I knew this was not right. I told my family and friends not to sign anything with Primerica and I resigned from this company. So, we are all Primerica-Free!
Thanks to Primerica, I'm now an independent insurance broker (613-825-2207) representing diferenent companies, such as Canada LIfe, Manulife, Empire LIfe, etc.. I can do what is right for my clients, not just what Primerica told me to do by selling expensive term insurance and limited funds.
My story is as an insider of Primerica ... here is another one who had years of experience with Primerica. If you want to know more please read on. I came across this one from this web site
Primerica's Training Program??? - Vancouver Forum
J Posted - 1/11/2007 11:37:36 PM
I came accross this by accident, but started reading some comments.
Here's the truth about Primerica. I am probably the only person who can say that with credibility because I am a former Regional Vice President from Primerica, with 11 years experience.
I was making six figures with the company, had a base shop (a team of agents) won many contests, been to Hawaii last february on a Primerica incentive trip, etc.....
Without getting into all the details, I will say to anyone that even though I've had success with it, to a degree, and I got very valuable experience, I will say that STAY AWAY FROM PRIMERICA.
It'll suck you in, and you'll be grinding it out for years, listening to your NSD or RVP selling you the dream. And there's nothing wrong with selling someone the dream, unless the Leadership of the company knows that you'll fail before you start.
Yes some people like me make it, but AT WHAT PRICE? Nights away from my family, $$$ expenses for the office, training unmotivated idiots, (excuse my language) they can be fine people, except that they're lazy and looking for get rich quick schemes, and you need to pour your life into those DUDs, to maybe find the ONE that will take you to the promise land.
Even though I've made money, and have lots of clients, PRIMERICA IS FULL OF FLAWS.
RVP's are leaving as we speak, nobody talks about it, but they do. I know. Why would I or they leave?
Well let's just say that one day you WAKE UP to the reality that you're chasing a pipe dream.
There are WAY better products you can sell. The system of overriding agents and building a business is good, but you can't build a quality business within Financial Services by recruiting masses and throwing them against the wall.
Yes they do, throw them against the wall. If you're a PFS rep reading this, don't get mad, it's true. A million dollar earner in Primerica I know very well, won't mention his name, told me, that the bottom line to making a lot of money in Primerica, is that every person you recruit in your organization, will be worth 3 sales to you.
OUCH.
What happen to helping people. What happenned to quality advice. You think Primerica's Financial Needs Analysis is good. It's a good beginning, but it's primitive.
Smart Loans, that's a joke. I've personally closed over $2 Million one year, and I thought I was helping people, NOT. Primerica reps, including me when I was there, know NOTHING about mortgages. ZERO, ZIP, NOTHING.
Don't get mad if you're a Primerica rep.
There's much cheaper and better term, like 50% cheaper. Oh I know Price is only an issue in the absense of value, BULL...T!
The investments are Soooooooo limited. The Variable Annuity (Primelite 3 or 4 or whatever) it SUCKS. It's expensive, has NO REAL BENEFITS compared to what I got exposed to.
Bottom line you're doing people a disservice with these products.
With that said, Primerica does have good points. It teaches people to think independently, learn finances, save money, buy term insurance, get out of debt, plan, start a business, make money, self improve, leadership, marketing, sales.
But the problem is that the products SUCK. The massive approach KILLED the name already, you spend more time defending Primerica, than promoting it. Oh yes, I did it for YEARS. (I guess I'm the idiot LOL) not anymore though.
I'm going to stop now, because I can go on for a long time.
But I will tell you if you're in the business, and you think I'm full of it, that's OK.
Go ahead and read your Agreement that you signed with Primerica. If you ever leave, you can't touch your clients, even contact them for 2 years. And when you leave they start sending you HATE mail, warning you that you'll get sued and so on if you breach your contract, right from Duluth Geogial home office.
HOW'S THAT FOR OWNERSHIP??????
When I left I wasn't bitter or upset, I just wanted to move on and do MORE business somewhere else. Now I'm pissed that the place that I gave my life to is threatening me.
Nothing's going to happen, but that's not how you do business.
If you're reading this, and you're checking out Primerica, I've said enough.
There are better financial opportunities out there.
STAY AWAY FROM PRIMERICA!
THAT'S MY FINAL ANSWER!
This will be my last entry with this topic. I don't have the time and energy to have a war with friend4china. The smart consumers will find out themselves that people like me 要抹黑Primerica or Primerica is 黑 by itself.
As my previous entries stated, I was sucked in by Primerica. Yes, I was one of Primerica agents. My initial meeting with a Primerica agent, he offered me $200 to provide him my friends & family names so he could do their FNAs. He told me this is a win-win situation that I can make money and at the same time help my friends & family to have a professional (him as Primerica agent) to take care of their finance. I turned him down. I told the agent that I would not refer my friends and family unless I know more about Primerica and this company is good for them. I insisted to take insurance course and know more about Primerica. Anyway, I got my insurance license (first try) and became a Primerica agent. During my field training with my family and friends (my warm market), I saw first hand how my trainer (a Primerica agent) tried to suck on them. Luckily, I already licensed and know more about insurance (plus my financial background), I knew this was not right. I told my family and friends not to sign anything with Primerica and I resigned from this company. So, we are all Primerica-Free!
Thanks to Primerica, I'm now an independent insurance broker (613-825-2207) representing diferenent companies, such as Canada LIfe, Manulife, Empire LIfe, etc.. I can do what is right for my clients, not just what Primerica told me to do by selling expensive term insurance and limited funds.
My story is as an insider of Primerica ... here is another one who had years of experience with Primerica. If you want to know more please read on. I came across this one from this web site
Primerica's Training Program??? - Vancouver Forum
J Posted - 1/11/2007 11:37:36 PM
I came accross this by accident, but started reading some comments.
Here's the truth about Primerica. I am probably the only person who can say that with credibility because I am a former Regional Vice President from Primerica, with 11 years experience.
I was making six figures with the company, had a base shop (a team of agents) won many contests, been to Hawaii last february on a Primerica incentive trip, etc.....
Without getting into all the details, I will say to anyone that even though I've had success with it, to a degree, and I got very valuable experience, I will say that STAY AWAY FROM PRIMERICA.
It'll suck you in, and you'll be grinding it out for years, listening to your NSD or RVP selling you the dream. And there's nothing wrong with selling someone the dream, unless the Leadership of the company knows that you'll fail before you start.
Yes some people like me make it, but AT WHAT PRICE? Nights away from my family, $$$ expenses for the office, training unmotivated idiots, (excuse my language) they can be fine people, except that they're lazy and looking for get rich quick schemes, and you need to pour your life into those DUDs, to maybe find the ONE that will take you to the promise land.
Even though I've made money, and have lots of clients, PRIMERICA IS FULL OF FLAWS.
RVP's are leaving as we speak, nobody talks about it, but they do. I know. Why would I or they leave?
Well let's just say that one day you WAKE UP to the reality that you're chasing a pipe dream.
There are WAY better products you can sell. The system of overriding agents and building a business is good, but you can't build a quality business within Financial Services by recruiting masses and throwing them against the wall.
Yes they do, throw them against the wall. If you're a PFS rep reading this, don't get mad, it's true. A million dollar earner in Primerica I know very well, won't mention his name, told me, that the bottom line to making a lot of money in Primerica, is that every person you recruit in your organization, will be worth 3 sales to you.
OUCH.
What happen to helping people. What happenned to quality advice. You think Primerica's Financial Needs Analysis is good. It's a good beginning, but it's primitive.
Smart Loans, that's a joke. I've personally closed over $2 Million one year, and I thought I was helping people, NOT. Primerica reps, including me when I was there, know NOTHING about mortgages. ZERO, ZIP, NOTHING.
Don't get mad if you're a Primerica rep.
There's much cheaper and better term, like 50% cheaper. Oh I know Price is only an issue in the absense of value, BULL...T!
The investments are Soooooooo limited. The Variable Annuity (Primelite 3 or 4 or whatever) it SUCKS. It's expensive, has NO REAL BENEFITS compared to what I got exposed to.
Bottom line you're doing people a disservice with these products.
With that said, Primerica does have good points. It teaches people to think independently, learn finances, save money, buy term insurance, get out of debt, plan, start a business, make money, self improve, leadership, marketing, sales.
But the problem is that the products SUCK. The massive approach KILLED the name already, you spend more time defending Primerica, than promoting it. Oh yes, I did it for YEARS. (I guess I'm the idiot LOL) not anymore though.
I'm going to stop now, because I can go on for a long time.
But I will tell you if you're in the business, and you think I'm full of it, that's OK.
Go ahead and read your Agreement that you signed with Primerica. If you ever leave, you can't touch your clients, even contact them for 2 years. And when you leave they start sending you HATE mail, warning you that you'll get sued and so on if you breach your contract, right from Duluth Geogial home office.
HOW'S THAT FOR OWNERSHIP??????
When I left I wasn't bitter or upset, I just wanted to move on and do MORE business somewhere else. Now I'm pissed that the place that I gave my life to is threatening me.
Nothing's going to happen, but that's not how you do business.
If you're reading this, and you're checking out Primerica, I've said enough.
There are better financial opportunities out there.
STAY AWAY FROM PRIMERICA!
THAT'S MY FINAL ANSWER!
friend4china
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“I don't have the time and energy to have a war with friend4china”
Primerica Rep. never fight with people. They are patient, having good manna. Just say what shall be say, explain to client. Never argue with people.
Primerica have more than hundred thousand Agents. Being the first biggest sales force. There may be one or two agent who dose not agrees with Primerica ( I assume that story is real) . It is very very normal. I would not surprise.
Primerica Rep. never fight with people. They are patient, having good manna. Just say what shall be say, explain to client. Never argue with people.
Primerica have more than hundred thousand Agents. Being the first biggest sales force. There may be one or two agent who dose not agrees with Primerica ( I assume that story is real) . It is very very normal. I would not surprise.
lostinblue
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scam,RFD上面就有一个PRIMERICA的人，把客户问他的问题放到论坛问其他人，因为他自己根本不知道答案，就算很简单的问题。
friend4china
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如果你已有保险的Statement，说明你经过思考去买某类保险。如果Primerica的Agent能从你已有的保险中提出新的、不同的、有见地的建议，你会更容易明白。
friend4china
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Bye
