Comments on: Primerica Opportunity Stories http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/ Practical riffs and resources for superheros Sat, 16 May 2009 17:45:27 -0600 http://wordpress.org/?v=2.8.2 hourly 1 By: Ken http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-2257 Ken Sat, 16 May 2009 17:45:27 +0000 http://www.3thinks.com/?p=479#comment-2257 "Primerica serves their customers on several levels. They have the smart plan for morgages, they do debt stacking, to get families debt free years earlier. And, they offer a high quality, no BS term life insurance product. They also market good, legitimate mutual funds." I have news for you, rookie...the mortgage is ANYTHING but smart, debt stacking is nothing new or something PFS invented or does exclusively, the "no BS" term life insurance is all you can sell there (because they don't want you to have to pass the more difficult tests to work there), and the prices for the insurance are upwards of 50% higher than other companies. Are there any illegitimate mutual funds? LOL You're not licensed to talk about mutual funds. If you were (like a very small percentage of PFSers), you might know that the mutual funds carry some of the highest expenses out there. PFS is not what you think. “Primerica serves their customers on several levels. They have the smart plan for morgages, they do debt stacking, to get families debt free years earlier. And, they offer a high quality, no BS term life insurance product. They also market good, legitimate mutual funds.”

I have news for you, rookie…the mortgage is ANYTHING but smart, debt stacking is nothing new or something PFS invented or does exclusively, the “no BS” term life insurance is all you can sell there (because they don’t want you to have to pass the more difficult tests to work there), and the prices for the insurance are upwards of 50% higher than other companies. Are there any illegitimate mutual funds? LOL

You’re not licensed to talk about mutual funds. If you were (like a very small percentage of PFSers), you might know that the mutual funds carry some of the highest expenses out there.

PFS is not what you think.

]]> By: Bill http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1995 Bill Thu, 07 May 2009 15:57:26 +0000 http://www.3thinks.com/?p=479#comment-1995 PFS is for the ultra motivated to succeed. If you spend most of your time watching tv and complaining about the stuff you see than having to earn a living by commission is not for you. If you wake up and want to make a difference in your life by helping people better themselves and there future than PFS is a company you should invest $99, thats the fee in california, also that fee is for a background check. PFS pays for your licensing and education. Like I said if you are not motivated from the inside out than go get a 9 to 5 job, PFS is for people that want to work hard and make there own schedule, which is very difficult for the average joe. Another thing I like is that even if you stay in the business for 6 months and spend a whole $99 to get licensed the knowledge that you gain will help you for the rest of your life no matter what job you have. PFS focuses on recruiting and teaching which most people are not used to. The products at PFS sell themselves you really dont have to be good at sells. So if you are thinking about joining make sure you are motivated and actually want to make money and not have it handed to you. You can do that by staying at your current job and talking under your breath everytime your incompetent boss tells you to do something you should have taken the initiative to do anyway. PFS is for the ultra motivated to succeed. If you spend most of your time watching tv and complaining about the stuff you see than having to earn a living by commission is not for you. If you wake up and want to make a difference in your life by helping people better themselves and there future than PFS is a company you should invest $99, thats the fee in california, also that fee is for a background check.
PFS pays for your licensing and education. Like I said if you are not motivated from the inside out than go get a 9 to 5 job, PFS is for people that want to work hard and make there own schedule, which is very difficult for the average joe. Another thing I like is that even if you stay in the business for 6 months and spend a whole $99 to get licensed the knowledge that you gain will help you for the rest of your life no matter what job you have. PFS focuses on recruiting and teaching which most people are not used to. The products at PFS sell themselves you really dont have to be good at sells. So if you are thinking about joining make sure you are motivated and actually want to make money and not have it handed to you. You can do that by staying at your current job and talking under your breath everytime your incompetent boss tells you to do something you should have taken the initiative to do anyway.

]]> By: Michael http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1985 Michael Thu, 07 May 2009 09:26:13 +0000 http://www.3thinks.com/?p=479#comment-1985 Im a newly licensed representative for PFS. It's been height month i'm now implicated with the company and I am a disctict leader, which mean I achived some goals that gave me a promotion and what gives me better comissions(its one of the very first step to become RVP). People shouldn't ask or seek for succes or failure stories. Everything is about the mindset, the mindset of running a business is FAR away from the mindset of having a job in the corporative world and people have to make the distinction! What Im trying to explain is that It doesn't mean you won't succeed in pfs if your brother/sister/friend/parent failed, the opposite is also true. Every case is different, I approximatively counted 1 person on 10 that really stays focus and don't leave the company. Are they smarter? Are they better? no! they just understand that the mindset they have to adopt is different and that their succes only depend on THEM which make them push and work harder! Does that mean that the company is bad if people fail? make your own idea on that point but I think that when you want to succeed, In ANY businesses, you won't find excuses, you will just do it!... You can be sceptic, it's ok, but only if that scepticism comes with an open mind! In that case, you have nothing to lose but one hour at a seminar, go get your own Idea! ;) (P.S for those who may be interested, buy the book "Rich dad, poor dad" (20$) the title tells what the book is about!,,,mindset!) Im a newly licensed representative for PFS. It’s been height month i’m now implicated with the company and I am a disctict leader, which mean I achived some goals that gave me a promotion and what gives me better comissions(its one of the very first step to become RVP). People shouldn’t ask or seek for succes or failure stories. Everything is about the mindset, the mindset of running a business is FAR away from the mindset of having a job in the corporative world and people have to make the distinction! What Im trying to explain is that It doesn’t mean you won’t succeed in pfs if your brother/sister/friend/parent failed, the opposite is also true. Every case is different, I approximatively counted 1 person on 10 that really stays focus and don’t leave the company. Are they smarter? Are they better? no! they just understand that the mindset they have to adopt is different and that their succes only depend on THEM which make them push and work harder! Does that mean that the company is bad if people fail? make your own idea on that point but I think that when you want to succeed, In ANY businesses, you won’t find excuses, you will just do it!… You can be sceptic, it’s ok, but only if that scepticism comes with an open mind! In that case, you have nothing to lose but one hour at a seminar, go get your own Idea! ;)

(P.S for those who may be interested, buy the book “Rich dad, poor dad” (20$) the title tells what the book is about!,,,mindset!)

]]> By: Brian H http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1708 Brian H Mon, 27 Apr 2009 08:21:52 +0000 http://www.3thinks.com/?p=479#comment-1708 I also went to the presentation, saw the video and did buy the license. I studied, and took and passed the State test to sell Life insurance. Primerica serves their customers on several levels. They have the smart plan for morgages, they do debt stacking, to get families debt free years earlier. And, they offer a high quality, no BS term life insurance product. They also market good, legitimate mutual funds. Nobody else cares about your quality of life, or makes any effort to get you debt free. That having been said, they can't help every body on every level every time. But, at least they try! I did read several of the web sites that are critical of the company before I spent the time and the money, and the only consistant underlying themes are that; 1. They ask you to try something new. 2. They have a pay set up similar to a real estate office. Motivated people get ahead. 3. By getting people to work "under" you, when you successfully train them, and they make money, you make money. How often do you train a new boss at your day job, and get recognized for it? Or rewarded for it? The answer there is (a) often, and (b) rarely if ever. Not everyone is cut out for sales. That's just the way it is. But of all the criticism I've seen, it has never been about the policy not paying out. Most people know NOTHING about insurance, or finances for that matter. If they tought the subject in school, we might not be in the mess we are in now! If you went to college, and got a degree, and have a 3% debt ratio, good for you, you are one of a very small minority. If, on the other hand, you don't understand how it all works any way, you probably need some help. They might be able to help you. Or, they might not. If not, it isn't because they are trying to scam you! I also went to the presentation, saw the video and did buy the license. I studied, and took and passed the State test to sell Life insurance.
Primerica serves their customers on several levels. They have the smart plan for morgages, they do debt stacking, to get families debt free years earlier. And, they offer a high quality, no BS term life insurance product. They also market good, legitimate mutual funds.
Nobody else cares about your quality of life, or makes any effort to get you debt free.
That having been said, they can’t help every body on every level every time. But, at least they try!
I did read several of the web sites that are critical of the company before I spent the time and the money, and the only consistant underlying themes are that;
1. They ask you to try something new.
2. They have a pay set up similar to a real estate office. Motivated people get ahead.
3. By getting people to work “under” you, when you successfully train them, and they make money, you make money.
How often do you train a new boss at your day job, and get recognized for it? Or rewarded for it? The answer there is (a) often, and (b) rarely if ever.

Not everyone is cut out for sales. That’s just the way it is. But of all the criticism I’ve seen, it has never been about the policy not paying out. Most people know NOTHING about insurance, or finances for that matter. If they tought the subject in school, we might not be in the mess we are in now!
If you went to college, and got a degree, and have a 3% debt ratio, good for you, you are one of a very small minority. If, on the other hand, you don’t understand how it all works any way, you probably need some help. They might be able to help you. Or, they might not.
If not, it isn’t because they are trying to scam you!

]]> By: Paul Benning http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1582 Paul Benning Thu, 23 Apr 2009 14:50:22 +0000 http://www.3thinks.com/?p=479#comment-1582 Just wondering why Primerica reps continuously use the terms "I fired my boss" and "work creators instead of just work processors". I think it may have to do with the seminar/training, but did anyone actually fire their boss (ie. their boss had to pack up his belongings and no longer worked at the old job anymore.). Also, while it may seem empowering to think you are work creators, what do you mean by that? I have an interpretation on what it means, but I'd welcome thoughts on what that means from a Primerica rep. I work a "mostly" 9-5 job [with a great deal of flexibility], but I am creative and generate action items for others to act upon, and I am in a position of relative authority to track, monitor and manage those actions so that teams/groups will have positive outcomes. How did I get to that position? By always being creative in my thoughts of process improvement and when I was ealry on in my career and didn't have the opportunity to direct others to act on these items I would tackle them myself (ie. I was a work creator who then processed my own work). By doing this early on, and MAKING SURE I was being recognized for this work, I have come to the position where others realize that my real skill is in creating, organizing and managing the work (with measurable outcomes/goals/improvements associated before the work even begins) and having others without this ability be the ones to process the work. So, I can understand how empowering the idea of "work creator" can be, but I temper my work by always keeping the outcomes in mind. Just wondering why Primerica reps continuously use the terms “I fired my boss” and “work creators instead of just work processors”.

I think it may have to do with the seminar/training, but did anyone actually fire their boss (ie. their boss had to pack up his belongings and no longer worked at the old job anymore.). Also, while it may seem empowering to think you are work creators, what do you mean by that? I have an interpretation on what it means, but I’d welcome thoughts on what that means from a Primerica rep.

I work a “mostly” 9-5 job [with a great deal of flexibility], but I am creative and generate action items for others to act upon, and I am in a position of relative authority to track, monitor and manage those actions so that teams/groups will have positive outcomes. How did I get to that position? By always being creative in my thoughts of process improvement and when I was ealry on in my career and didn’t have the opportunity to direct others to act on these items I would tackle them myself (ie. I was a work creator who then processed my own work). By doing this early on, and MAKING SURE I was being recognized for this work, I have come to the position where others realize that my real skill is in creating, organizing and managing the work (with measurable outcomes/goals/improvements associated before the work even begins) and having others without this ability be the ones to process the work. So, I can understand how empowering the idea of “work creator” can be, but I temper my work by always keeping the outcomes in mind.

]]> By: CC LEADER http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1480 CC LEADER Sun, 19 Apr 2009 06:13:39 +0000 http://www.3thinks.com/?p=479#comment-1480 May I just interject a few comments to those of you on this sight, (I.E Keisha) who are trying to decide whether or not to ATTEND a meeting, 60 minutes of your life, to gain at worst case a bit of education . I would say that from your apparent unwillingness to do your in person investigation, you would be doomed for failure in such an endeavor. Chris, I hope I have not strayed from your intent of this sight. I have such a problem with anyone that soley relies on others opinions or experiences to make up their mind, and make a final decision. If you really get to nitty gritty of Eric's story, he didn't make any money and because he personally couldn't get the job done, he needs to run down the company.. Too bad! May I just interject a few comments to those of you on this sight, (I.E Keisha) who are trying to decide whether or not to ATTEND a meeting, 60 minutes of your life, to gain at worst case a bit of education . I would say that from your apparent unwillingness to do your in person investigation, you would be doomed for failure in such an endeavor. Chris, I hope I have not strayed from your intent of this sight. I have such a problem with anyone that soley relies on others opinions or experiences to make up their mind, and make a final decision. If you really get to nitty gritty of Eric’s story, he didn’t make any money and because he personally couldn’t get the job done, he needs to run down the company.. Too bad!

]]> By: sarah http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1434 sarah Fri, 17 Apr 2009 17:41:17 +0000 http://www.3thinks.com/?p=479#comment-1434 Hi i talk with a primerica saleman on yesterday i ask her a question about my mortage i ask her if i could put my mortage and my other bills up for a loan so i can pay less what i am paying now she told me i live in a mobel home park she say they would not be able to help me i have to have my own land but i told her every body not fianace enough to have land when you are a single parent with kids and paying bills by myself how can i get land i know it something out there that they can come up with to help people that dont have land if i did had land and could afford it i wouldnt have put my home in a trailer park she say that they use to do it for people and they got the help and later on they had their homes move to another location and they never could found them i told her you cant match other people with the bad you got to trust people like the company want us to trust them i wouldnt mind working for primeria to make money if they would help me because i know a lot of people that got their own land and other bills they would be glad to have their bills cut down a lot but you have to put your whole time in it to work if you ask not you get not every thing you do now out of ten people you may get two people out of ten you still may money when you try that when things picks up. Hi i talk with a primerica saleman on yesterday i ask her a question about my mortage i ask her if i could put my mortage and my other bills up for a loan so i can pay less what i am paying now she told me i live in a mobel home park she say they would not be able to help me i have to have my own land but i told her every body not fianace enough to have land when you are a single parent with kids and paying bills by myself how can i get land i know it something out there that they can come up with to help people that dont have land if i did had land and could afford it i wouldnt have put my home in a trailer park she say that they use to do it for people and they got the help and later on they had their homes move to another location and they never could found them i told her you cant match other people with the bad you got to trust people like the company want us to trust them i wouldnt mind working for primeria to make money if they would help me because i know a lot of people that got their own land and other bills they would be glad to have their bills cut down a lot but you have to put your whole time in it to work if you ask not you get not every thing you do now out of ten people you may get two people out of ten you still may money when you try that when things picks up.

]]> By: jeff http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1398 jeff Thu, 16 Apr 2009 15:12:33 +0000 http://www.3thinks.com/?p=479#comment-1398 am thinking of joining Pfs. have series 7,63, &65 as well as cprc desig. am bothered by the recruit. angle though. shouldn't one first build it thru ones own work than try to "recruit" anybody? how does that serve the client? it seems to me after many blogs that a lot is determined by your "recruiter" or rvp as to how you perceive the co. pls. advise. am thinking of joining Pfs. have series 7,63, &65 as well as cprc desig. am bothered by the recruit. angle though. shouldn’t one first build it thru ones own work than try to “recruit” anybody? how does that serve the client? it seems to me after many blogs that a lot is determined by your “recruiter” or rvp as to how you perceive the co. pls. advise.

]]> By: Anthony http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1374 Anthony Wed, 15 Apr 2009 20:04:04 +0000 http://www.3thinks.com/?p=479#comment-1374 Hi Chris! I "came" from your other blog (which is very informative if i might add) and I decided to join Primerica mainly for the financial education, part-time opportunity and tax "write-off"s. I figured the initial cash investment was minimal, the time investment was okay since I was just wasting time anyway watching TV. Do you guys think I made the right decision? By the way, I have been a client with term life and seg funds for 2 years. (Ontario, Canada) Hi Chris! I “came” from your other blog (which is very informative if i might add) and I decided to join Primerica mainly for the financial education, part-time opportunity and tax “write-off”s. I figured the initial cash investment was minimal, the time investment was okay since I was just wasting time anyway watching TV. Do you guys think I made the right decision? By the way, I have been a client with term life and seg funds for 2 years. (Ontario, Canada)

]]> By: keisha http://www.3thinks.com/2009/03/21/primerica-opportunity-stories/comment-page-1/#comment-1172 keisha Thu, 09 Apr 2009 12:07:26 +0000 http://www.3thinks.com/?p=479#comment-1172 Thank you for the information on this company, they approached me as well and I am scheduled to attend a seminar. I do not believe I will be attending after reading this, I am not interested in sells at all and I refuse to pay someone and I dont receive a paycheck myself. Thank you Eric Thank you for the information on this company, they approached me as well and I am scheduled to attend a seminar. I do not believe I will be attending after reading this, I am not interested in sells at all and I refuse to pay someone and I dont receive a paycheck myself. Thank you Eric

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