insurance agent

financial representative

financial advisor

sales representative

customer service representative

Primerica

They start out by telling you that you are your own boss and earn as much or as little based on how hard you work. After you study and take the test to become a licensed agent and you are fully committed, you get to experience the nitty-gritty of the commissions set-up and charge backs. Basically, you can work your butt off and your upline/supervisor (person who recruits you) and base leader aka RVP makes more off your labor than you do. Also, if your client decides to change their mind about a sale you made with them, you can kiss your tiny commission goodbye and I do mean tiny. While I was there, I saw many people leave because of charge backs, but unlike my upline who warned me upfront, those people were warned after they committed or not at all. 
      The best advice I was given by my base leader was "Smart people don't survive in Primerica." Although the comment was not solely directed to me, I took the hint and left before I went broke. Important things to note, at the time I was there, perhaps they've changed, I don't know, I was considered self-employed which meant I was responsible for my own benefits i.e. health, dental, etc. As such, if you need benefits, this is not the place for you. When you are recruited, although not explicitly stated, you are expected to be a client prior to becoming a consultant. The latter means you had to buy at least one of the company's product before you started plus the joining fee. Still, while you are technically a consultant, you are treated as an employee to the point of harassment, which is 40% of the reasons why I left. The other 60%, which was the proverbial straw, was the fact that the base leader would insult and disparage my upline in full view of the base. I felt so ashamed. However, when my upline said it was okay and that he was use to the treatment, I lost my respect for him and I knew I could no longer work with him. The base leader would also explicitly state that people in Primerica over a specific age were pretty much useless, which was yet another category my upline fell under. Furthermore, most of the people who work under him fell into that age group and helped to make him a millionaire and kept him as such. Go figure!                                                    
       While they do a decent job of educating you on the financial matters, training on how to use that knowledge properly needs to improve and some knowledge they outright hide. However, Primerica does have many books and CDs you can buy from the company to get better at the art of sales, but you won't be able to afford them with the petty commissions you will be making starting out. If you happen to be an exemplary agent, your upline's boss aka RVP can take you away from your upline's team for themselves. You can just imagine what that does to a team's morale and your former upline's earning potential and ability to gain RVP status.                                                                                      
       The people who teach the LIFE and Investment classes, I feel do so because they make more money teaching than actually working the Primerica business model. The powers that be claimed Primerica is not a pyramid scheme, but that was not my experience. As the base leader said "Primerica is a very expensive social club" and I don't recommend it for anyone who wants to be their own boss, eat, pay bills and have time for a social life on a weekly basis. I've seen people there who have reached RVP status and still live at home with their parents. 
        I say get in for the knowledge and then leave, but don't go in expecting to be a millionaire or even to make rent. The education is invaluable and I would only recommend joining for that alone because what you learn there, you will never learn inside a classroom. The three best things I gained from the experience was the education and my insurance and retirement plans.                                                                  
        A few shady things to look out for in Primerica: Since you are the only one that loses on a charge back, everyone above you makes more on any deal you make; so your success is never your own. The idea that you are your own boss and in control of your schedule will be out the window faster than you can say hot diggidy dog by the time you reach that first Sunday evening call to report in how productive your week was. The greed is palpable and that will make your job harder if you happen to be good at sales, your team members aren't and your upline and especially your RVP are hungrier than you. Everybody and I mean everybody wants to know your business and you are expected to literally get on stage every week in front of an auditorium full of people to tell them how much product you sold. That also means, if you don't make it to the stage, you just told those same people that you did nothing for the week. Even if you had sales and you decline the stage because you don't want to shame your team, they push you anyway.

A business investment type office job where everyone is required to pass a background check to qualify for a Life Insurance license. A one-stop shop for everyone's financial needs. Helps clients work their way out of debt.

 Do need to keep making calls and recruit people to raise percentage of money earned from closing a life app. Great for people with connections that want to hustle or hustlers that would go out of their way to make a lot of connections.

 Trains people to learn how to communicate with others and build people's skills, lots of teamwork. Not for people that don't want to socialize with others and don't want to get out of their comfort zone and face rejection after rejection until they find the right clients and the right recruits. I've seen people that started off very shy and become very outgoing, positive, and goal-driven.

 Coaches benefit from helping you get clients and recruits when you actually help a client. They get their cut, you get your cut. It is a business-type work. Not a pay by-the-hour work. Having a big contact list on your phone or contact book plays a big role in finding clients. Starting off with that warm market is very helpful. You're going to be calling people to ask if they are looking for help with all the services the company offers, knows anyone that needs help, or knows anyone looking for work. Someone like me that doesn't have that has to do a lot of cold market work(talking to strangers about your business left and right and handing out your business card) and it doesn't work well for me being unemployed without a source of income right now, especially when I need to find an hourly pay work to move out quickly with my current life situation.

 Just like any business, this is a business you have to grow into. You can't quit your current job right away. Excellent commissions, teamwork, and continuous motivation. Lots of wisdom to learn here. Huge eye opener. Best suited for people with the entrepreneur mindset. I love everything they have to offer here, but I need to start off with hourly work right now.

 I was able to earn my Life License within a month of joining the company. The company pays for your state life license test for free up to ten times. I took it twice and they both ran for $84 each at the time. $25 a month to run your business, $99 for the mandatory background check by the State of California and comes with a lot of service on the other part of the company's end and continuous coaching. I have been in the company for a few months and even though I didn't have any luck getting work with my lack of connections and personal struggles, I did see proof of the system working and it can work well if you put in the work. The wisdom I have gained here was worth the time I spent it in. Some clients of Primerica even joined the company to work here. There are illegal pyramids out there, but this one is legal. It's a commission work type business. The more recruits you get, the more your business can grow. It's a fixed system where you automatically get into a higher position after meeting specific requirements, you're not waiting for your boss to give you a raise, it's up to you how hard you want to work and it's a system where people help each other and it benefits everyone. Here, you have a chance to be your own boss and even learn how to recruit teammates, almost in a way an employer hires a potential employee, which is a great stepping stone for people that want to learn those skills to prepare for having a company of their own.

 Every Monday, the company has an exclusive livestream only for Primericans of people who succeeded in the business give speeches talking about how they got to where they are now and they hand out a lot of tips. Committed team members I've seen always go to these Monday meetings at the office and write down the tips in their notebooks or tablets. Our coaches do the same. Everyone is always learning something from each other. There are so many products to serve people with and a lot for clients to benefit from.

Primerica Financial Services (PFS) is a multi-level marketing organization.  Their focus is financial planning and they assists their clients in their effort to become both financially independent and secure.  New associates buy into the business and are considered somewhat of an entrepreneur of sorts.  They have the flexibility of investing as much time into "their business" as they please.  All new associates start off selling life insurance and are required to become licensed life insurance producers before they are allowed to do any business.  Other services may require additional licenses which the associate can pursue at their leisure.  As with all multi-level marketing operations, the real money is in team building.  Associates are paid on commission only.  A managing associate will receive a commission or his/her business and a percentage of all business transactions made by his/her team member(s).  Associates are promoted on the basis of how many members are on their team.  As an associate moves up in the ranks, his/her commission percentage increases for him/herself,  each member, and each level under his/her oversight.  Thus, there is a heavy emphasis on recruiting.

Selling products and working with the public can be challenging at times.  Primerica combats this problem by investing heavily in their associates.  The thought of earning commission on one's own business, plus a commission on a team member's business, plus that team member's team (and so on) can be very encouraging.  Moreover though, associates receive extensive training to assist them in the selling effort.  Most of all, Primerica hosts numerous contests that offer generous rewards.

I believe that the most difficult part of the job is finding a constant flow of customers and team building.  Although Primerica will train their associates, the associate is exclusively responsible for finding customers and recruiting new members.  The associate keeps his/her own schedule and may have to drive great distances to meet his/her customer(s) (there are no territories).  Repeat business and word of mouth are very helpful, but only when the new prospects decide to buy.  The alternative would be cold calling, which can be done at home or at his/her Primerica office.

Primerica's biggest asset is in its training on money.  My understanding about money management, financial independence, and financial security increased substantially once I became an associate.  The lessons that I learned are not taught in school and can be applied for the rest of my life.  There is plenty of money to be made but Primerica is not for everyone.  Multi-level marketing works well for those who have little difficulty finding prospects, whether it be new customers or new team members.  Primerica is no exception.  For those that do find this challenging, be prepared to work long, hard, and with little reward - at least initially.

There are pros and cons to working with them. First off, the behavior of Primerica is very similar to Network Marketing company, a lot of sales and recruiting. Nothing wrong with that, but understand that it's not a job, but an asset to be developed over the course of a few years. Probably won't reap the benefits of working with Primerica until a 5-10 years down the road with dedicated effort. Also, during that period of time, have a good job. It's a revolving door business. 
The leadership at this location, was very good, and again focused on Sales and Recruitment. It will develop a thick skin to rejection the longer you do the work. People are amazingly positive, and have a great culture. If you tough it through over the long haul, it could turn out to be an amazing outcome and very rewarding. If you dive in deep enough, human relation skills is the core to succeed in a business like this. The Term-life insurance is the best quality in the country, and offering FREE reliable Financial Needs Analysis  is a huge plus for everyone in a community. The support system Primerica offers is also amazing, and makes it simple for many to use and execute to deliver value to as many people as possible, and keeps confusion down to a minimal when dealing with clients. 

The cons; unless it's business related, it's very difficult to get reliable advice about certain issues, like time and personal life. A lot of growth and personal development is needed to succeed in Primerica, but a lot of advice is geared towards "How does that grow your business?" So, with that said, there is not a whole lot of personal development or much people skills actually being taught in an effective way. So, if you want to make this work, you must look at those 2 things yourself on your own because there philosophy is learn as you go. You may not feel good about yourself for a while because it's all about people viewing the presentations in the beginning but not feel like your being taught a whole lot about the ins and outs of the financial industry, and not even human relations in the beginning.

On a personal note, I was not a fan of the fact that Primerica agents sell only Mutual Funds (to my knowledge) with Kickbacks, and did not offer options to hook people up with Stock Index Funds, which have outperformed any and all actively managed funds over the course of a 10-15 year period. Primerica doesn't charge a fee themselves to get a mutual fund, but these mutual fund companies more than likely already have a standard fee to cover kickbacks with, not only Primerica, but other companies. It's a hidden fee, like most mutual fund fees are. Read "Unshakable" by Tony Robbins and Peter Mallouk to know more about this subject. So, it was really impossible to act as a True Fiduciary to the clients when it came to investments.

Empowering Middle-Income America Through Financial Solutions

The hardest part of what we do is starting the conversation—reaching out to people and breaking through the uncertainty that surrounds financial decisions. But the greatest thing we do is provide real, actionable solutions to the financial challenges so many families face across America.

At Primerica, we focus on middle-income families, the backbone of this country, helping them get ahead, win the money game, and create a financial legacy that will last for generations. Whether it’s through debt management, investments, life insurance, or retirement planning, we take pride in tailoring solutions to each family’s unique situation, giving them the tools to succeed financially.

Building a Winning Culture
At the core of what we do is our team-first culture. We believe in creating a workplace that’s rooted in respect, collaboration, and integrity, where associates feel empowered to grow both professionally and personally. Through mentorship and continuous learning, we foster an environment that emphasizes:

Inclusivity and Support: Ensuring every team member feels valued and has the resources to succeed.
Mission-Driven Service: Uniting around a shared goal of making financial literacy accessible to everyone.
Faith and Values: Anchoring our work in the principles of God, Family, Business, which inspire us to lead with compassion and purpose.
Why We Do What We Do
We don’t just sell products; we solve problems. Every conversation matters—every family we help is a step toward creating financial independence for the next generation. Our mission is not just about numbers or policies; it’s about impacting lives, giving hope, and empowering people to take control of their futures.

Focused on Legacy
By working with middle-income families, we’re closing the gap between potential and reality. We teach them how to protect their assets, grow their wealth, and build a legacy that will stand the test of time. In a world where financial stress is all too common, we’re committed to creating a lasting positive impact, one family at a time.

Flexible work hours and ability to set your own schedule around other obligations is something that stands out. This is a great way to earn additional income while working a job.  A Full time day would be making calls, going out to prospect, setting appointments, meeting with clients, conducting recruiting interviews, attending trainings. A part time day would consist of some of these things. The good thing is the flexibility around family obligations. I learned how to help people with their finances and to structure a household budget incorporating income protection (life insurance), emergency savings, college and retirement savings and to understand how paying down debt is key. I learned leadership skills, team building skills, how to host meetings and how to effectively help families prepare for their financial future. The management was great, the workplace culture is friendly and supportive. The hardest thing can be finding clients at times, however there are ways to get people interested. It just takes practice and the tenacity to keep going. The industry has companies with more product offerings which can be tough, however we are trained how to work around this to create a great solution to fit our clients' needs. The most enjoyable thing for me and many of my colleagues is the training and speaker events provided. The seasoned leaders are so knowledgeable and full of wisdom. They speak to us as agents but also as individuals with hearts to help change people's  lives financially. I really loved the culture, company values, crusade to help middle income families and to offer a way to make additional income. But really most of all the leaders are phenomenal. They  make it worth pushing through the tough parts because they have been there and they encourage us to get through it. They want us to win just as they have which is selfless!

My day starts off with an early morning daily conference call at 8am with other team leaders at Primerica. This call has about 200 people on the call and lasts about 2hrs, discussing the business's progress and accomplishments in additon to individuals work ethics and achievements. I, being District Leader open up the office at 8am along with my fellow teammate. We begin making calls and setting up appointments for the following 2 days. If we already have people coming into the office, my co-workers and I show a power point presentation of the business, usually lasts an hour. And if interested in the business and able to meet certain qualifications, we hire on the spot. Our goal is to recruit 10 people per day and that's what makes the job fun because now we are competing with each teammate on who can recruit more people daily. Being a leader has its challenges though because not only are we responsible for ourselves to do the job but we are in charge of a continuously growing team daily. Each leader can have about 10 or more recruits to be in charge of, but the best way to get our recruits motivated to do what they have to do is by our nightly conference calls held twice a week. These calls are to keep track of our teammates and each individual's work ethic. It helps our teammates grow in the business and eventually become leaders as well. The most enjoyable part of the business is watching our team grow. Every conference call grows in volume and being able to be apart of a growing business is the most rewarding because your hard work is shown and acknowledged by other members and higher ranks. The most difficult but also fun experience is going to appointments to meet with clients and selling the insurance. This is where our money is made so we are very informative and persuasive in this area. If we do not make a sale, we simply move on to the next client and not dwell on those we did not sell. The strength in our team allows us to keep moving forward no matter how many rejections we may face.

If you're researching this company, you may be thoroughly confused because the reviews found online run the gamut from abhorrent rantings of bitter former employees with an obvious chip on their shoulder, to praises from those who can hardly hold back from singing about the merits of this unique company.

Here's the truth. It's NOT a get-rich-quick or a get-rich-easy opportunity. Those don't exist. They're typically scams. This is a business opportunity, with the POTENTIAL for great wealth building, but achieving success will take hard work and persistence. I am very glad I decided to become a Primerica representative, because it is a company that does the right thing for the clients rather than take advantage of them. It has an amazing support system (though, of course, some offices may do a better job of this than others). Primerica gives you the opportunity to take the route of entrepreneurship, eventually owning your own business, without the financial risk that usually accompanies it. It's a proven system, but you need to do your part. If you are coachable, hard-working, persistent, and aspire to own your own business, they will mentor and train you and give you the resources to make that happen.

Another reviewer said promises are not kept. They don't promise you success or wealth, they promise you a tremendous opportunity, training, resources, and support. They deliver on that every time. It's up to you to seize that opportunity and push through the failures until you reach the success that is 100% possible. If it was only hype, there would not be thousands of people who have achieved six-figure incomes through this very same opportunity.

Coming right out of college I was swept into this organization through promises of making $3-5,000/month, and being able to retire early, with opportunity to advance. What they don't tell you up front is that everything is commission based, you won't earn any money until you complete your life insurance and other licenses, and you don't get a potential client list or leads. You're supposed to ask your family and friends for help and build your client list from there. When I work in a  professional setting, I don't want to poach family and friends to join my team or to purchase things from me in order to be successful. I also shouldn't have to bring on other members to the team in order to put food on the table. It is a pyramid. The more people you bring on, the more you make. I sold several life insurance policies after scheduling meetings with a dozen people--it was hours and hours of work and I made maybe $20 of commission. 

It was not enough to live off of. The mission of the company is good--help the little guy that doesn't know a lot about managing their finances, but I would suggest they not poach young people right out of college with false promises and smoke screens. In my 6 months I made $100 if that. I worked hard, studied hard, went to the meetings, took the exams...but without  another source of income it just wasn't feasible to continue. I left the company, and when I told my upline I was leaving, I still received several calls over the next few months asking me to reconsider or come to meetings. I eventually had to stop answering the calls.

This company is great for professionals already established in a field and slowly building up a business in their spare time. As a primary source of income though, it just  isn't feasible to live off of just starting out.

What is the best part of working at the company?
The best part I really enjoy while working with Primerica is the people and the numerous support systems put in place to help anyone succeed. This company makes it possible for you to win but you must put in the effort to help yourself be successful. Good opportunity is okay but great opportunity is what this company offers to reach your Highest Potential. I enjoy working with the this company and wouldn't change a thing about it. Thank you Primerica for allowing me to be a part of a system that has worked since 1977 and it continues to change the lives of many people because of the concept that was put in place to become financially free whether you are a business owner with this company or a client that uses their products. It is a win-win situation for both parties and that is what I appreciate about Primerica..

What is the most stressful part about working at the company?
The most stressful part about working at this company is getting people to understand the value of this business. Not all companies is equal and what stands out about this company is the effort they put into educating people about life insurance and the importance of financial freedom.

What is the work environment and culture like at the company?
The work environment and culture of this company is excitement and to help encourage others to stay excited about their goals. It is a family environment, I'm not here to say that it is perfect like any family but we strive to treat everyone equal and fair.

What is a typical day like for you at the company?
Typical day is remembering your goals, reaching out to those that you can help, and keeping a smile on your face while you do something that can change your life and the lives of others.

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