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Home » Multi-Level Marketing » The Primerica Business Opportunity: Can You Really Make Money?

The Primerica Business Opportunity: Can You Really Make Money?

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You are welcome to my Primerica review. Can you make money with Primerica MLM careers jobs and compensation plan? Is Primerica Business Opportunity safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

Insurance is a big part of our lives, and having a company that pays you for insuring your life or property seems like a great idea.


I am sure you must have come across PrimericaOnline, and you are researching to find out more about the product. PrimericaOnline

This was how I discovered how to transform my skills and ideas into a full-time income online.

I am in no way affiliated with Primerica. So, expect an unbiased and objective Primerica review on this product.

Must Read Articles:

PrimericaOnline at a Glance

Primerica Business Opportunity reviews bbb

Founder: Arthur L. Williams Jr. & Glenn J. Williams (CEO)
Industry: Financial Services and Multi-Level Marketing
Founded: February 10, 1977
Headquarters: Duluth, Georgia, United States
Price: $99 signup fee & $25 monthly fee.
Rating: 35%
Recommended: No {Check Out My #1 Recommendation }

Summary Review of Primerica MLM Jobs

Primerica Financial Services, Inc. is a company that provides financial services such as Mutual funds and Life Insurance to their clients and prospective audience via PrimericaOnline sales representatives or distributors. 

But is Primerica Business Opportunity safe, legit, trustworthy, or a ripoff and scam pyramid scheme? 

Can you make money with Primerica MLM careers jobs and compensation plan?

It is excellent to know that Primerica Business Opportunity is safe, legit, trustworthy, and not a ripoff and scam pyramid. 

It will be challenging for you to make money with Primerica MLM careers jobs and compensation plans.

Why is that?

PrimericaOnline is a multi-level marketing company that employs direct sales business models to run its day-to-day business. 

The company utilizes a Multi-Level Marketing Model, and so it has sales representatives spreading the word of its products while they are earning commissions. 

The Primerica sales representatives earn a commission for every financial product sold, and the recruiters will also receive a commission from the portion of the sales made by the referral.

But how much money can the Primerica sales representatives with the compensation plan?

Why You Can Not Make Money with MLM Career Jobs

Primerica is an MLM and a direct sales company; hence, making money with this company will be very tough.

Why is that?

Jon M. Taylor, Ph.D., the president and founder of Consumer Awareness Institute, did 20 years of investigation and research of over 600 direct sales companies in the USA and worldwide. 

He concluded that 99.7% of people who join direct sales companies would lose their money. He published his fact and findings in his two books titled “ MLM Unmasked ” and “The Case for And Against MLM.”

Also, AARP Foundation-sponsored research on the impact of direct sales on the participants and their experience. They published a book titled “AARP Study of Multilevel Marketing.

The summary of the three books above is that 99.7% that join direct sales company will lose their money and that the only people that make money with MLM are the 0.3% i.e. 

  • The owners of the company
  • The investors, and special interest, and
  • People at the top of the compensation plan

The three books above are FREE for your download and distribution to your family and friends to help educate people about the MLM syndromes. 

Note: This does not imply that Primerica Business Opportunity is a scam and pyramid scheme; it is safe, legit, trustworthy, and not a ripoff. 

It will be challenging for you to make money as a representative of Primerica MLM.  

My Recommendation

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You can start an affiliate marketing website. 

It will help you to partner with big brands like Amazon, eBay, Walmart, etc. 

You have the opportunity to make money with hundreds of companies, helping them in selling and promoting thousands of products and services. 

You won’t need to start recruiting people. Instead, people who want the products and service will come to your websites, just as you visit this now without my invite. 

It is called the power of SEO (Search Engine Optimization).

You can learn the art of affiliate marketing as long as you can hold a computer mouse.

Start this affiliate marketing training now. The level one of ten lessons is FREE to join. Please learn more here. 

What do you think of my Primerica reviews?

Is Primerica Business Opportunity safe, legit, trustworthy, or a ripoff and scam pyramid scheme?

Can you make money with Primerica MLM careers jobs and compensation plan?

What is Primerica?

Primerica, Inc. is an Insurance, Financial Services, and Multi-Level Marketing model business.

They employ this strategy, along with the services of independent distributors, to sell financial products and services.

The company has a history that goes as far back as 1977 (44 years ago), and its founders are Arthur L. Williams Jr. & Glenn J. Williams (as CEO).

It was a subsidiary which later separated from Citigroup (its parent company) after an initial public offering (IPO) in 2010, and its headquarters is in Gwinnett County, Georgia.

As of December 2018, PrimericaOnline boasts of some 130,736 Insurance-Licensed Sales Representatives.

Primarily, they sell term life insurance, as well as mutual funds, annuities, segregated funds, managed accounts, long-term care insurance, credit monitoring, pre-paid legal services, home insurance, auto insurance, and debt management plans.

Forbes listed PrimericaOnline in 2015, as one of “America’s 50 Most Trustworthy Financial Companies”, Primerica employs over 2100 employees (with 614 more on-call).

The company accrues an average of 1.9 billion USD in annual revenue as of 2018, also publicly traded and listed on the New York Stock Exchange (NYSE). You can read more about PrimericaOnline.

Primerica Product Line

Primerica Business Opportunity offers the following financial services.

  • Term Life Insurance
  • Long-term Care Insurance
  • Auto & Home Insurance
  • Financial Investments
  • Credit Monitoring
  • Debt Management Plans
primerica mlm jobs reviews

How to Join Primerica

Become a Primerica representative will require you to part with a refundable fee of $99, which covers Primerica Sales License and a background check.

I think the background check is pretty cool; since it separates sheep from wolves and ensures that the sheep selected give quality wool!

Furthermore, in addition to the $99 (refund available after 90 days), you will need to make a monthly payment of $25 to access Primerica marketing tools, materials, and training.

Who is Primerica For?

If you are new to affiliate and internet marketing, I would advise that you steer clear of this Primerica Business Opportunity.

The business model run by this company is direct sales or MLM business model that rewards only the people at the top of the scheme and the owners of the business.

Only 0.3% of people that join MLM that end up making real money. The other 99.7% will lose their money. See why in this research work done by Mr. Jon M Taylor.

This is because the only folks with half a chance of earning (and representatives make an average $5000 annually).

After extensive research, I concluded that their business opportunity is best for experienced MLM and network marketers who have a talent for both selling and recruiting.

Please know that Primerica is legit and not scam as a company, it is just the business model that is wrong.

Primerica Compensation Plan

To know how to make money with Primerica MLM careers jobs and compensation plan, let’s take a look at the company’s compensation plan.

There are four ways to earn with Primerica Business Opportunity:

  1. Direct Sales Commission: Direct commission on PrimericaOnline insurance products. Sales commission increases with rank, and we will look at that in a minute.
  2. Overrides on Downlines Insurance: 10% Commission on the sales that your downlines make – up to 11 levels deep!
  3. Differentials from Your Downlines Sales: When you rise in the ranks, you can earn significantly more by supporting and helping your downlines to get more sales.
  4. Direct Sales Commission On All Other PrimericaOnline Products: As it sounds, a commission on the full range of other products offered by PrimericaOnline platform.

Commissions earned by different ranks in Primerica Business Opportunity are:

  1. Representative: 25%
  2. Senior Representative: 35% + bonus
  3. District Leader: 50% + bonus
  4. Division Leader: 60%
  5. Regional Leader: 70%
  6. Regional Vice President: 95% + bonuses
  7. Senior Vice President: 95% + bonuses

The Primerica Business Opportunity

PrimericaOnline is all about selling insurance and earning a commission by the representatives.

Primerica Business Opportunity promised you a lot of successes and opportunities that will help you succeed.

They are stated below:

You will start a Business Of Your Own

Primerica Business Opportunity will empower you and give you a platform to start a business you can call your own, to make your dream come to reality.

They claimed that you would have the opportunity to own your own business, run it, set your schedule, and make money that is based on your efforts.

You will Get Out of Debt.

They promised that this MLM program would help you get out of debt and empower you to achieve a financially independent life.

PrimericaOnline skills and financial education will take you out of debt in no time; as a result of what you will be able to put to work and achieve.

You Are in Control of Your Finance

With Primerica Business Opportunity, you are promised to be in control of your financial future and also can create a business and life you want and desire.

You’ll Learn to Impact Knowledge to Others.

They claimed that PrimericaOnline would help you have an impact on the life of others, most especially everyone you care most about.

There is also this promise that you will be helping your relatives and people you come in contact with getting informed and become educated in terms of their finances by empowering them with the solution they need to achieve their financial goals.

You Will Earn More Money Monthly

The Primerica Business Opportunity promises to empower you and help you be in charge of your community that will later help you earn more money in the long run.

As you help others in your community and do well, it will come back to help you financially.

You will be able to make more money monthly that will help you:

  1. Pay down your debt
  2. Help you take care of your immediate family
  3. Save more money for the future.

The Reality of Primerica Business Opportunity

Vague Description of Gains and Profiting

The Primerica website only stated a lot of motivation narration without a precise way and method you will achieve all the claims.

In Life, there is what must be done to achieve something in principle.

You Are Prepared to Fail From Day One

Primerica Business Opportunity prepares you to fail from day one.

PrimericaOnline claims that by starting your investment with a penny and continue to double it every day.

After a month, i.e. (30 days), you should have with you over $10 million.

This is to encourage or tricks the new people just starting MLM never to give up and grant them hope that their earnings will grow exponentially as they recruit and invest their profits and gains from their recruits.

This is to condition your mind and prepare you for failure. You will later realize that lack of getting active recruits will result in your earnings getting dips, hence nothing to invest.

You will think you need more time; the problem is that for most MLM programs, you’ll never get the penny doubled no matter how much you tried.

Is Primerica legit? No, this does not imply that Primerica is a scam.

They Only Make you to Dream Big, But?

The Primerica Business Opportunity presentation shows you much expensive stuff, such as cars, houses, and boats. They make you see what life could be like in a perfect world.

Considering what the Primerica representatives are currently earnings, i.e., over $6,000 per annum, how can you achieve such a dream life?

PrimericaOnline Ask you To Save to Become Rich.

Primerica Business Opportunity presentation encourages representatives to invest and save their money. They claimed that you don’t need to make much but safe more!

They suggest that PrimericaOnline will teach you how money works.

But, Primerica is wrong, in my opinion. The amount of money you earn is significant.

The income disclosure statement of 2016 of Primerica stated that an average Primerica sales representative made $6,088 for that year. How much can you invest with that amount?

This is why the amount you earn is also vital.

You Are Not a Business Owner as Primerica Rep.

The Primerica Business Opportunity presentation made you believe that joining Primerica will instantly make you a business owner.

They even sighted Robert Kiyosaki’s Cashflow Quadrant four words (Employee, Self Employed, Business Owner, and Investor); that highlighted four ways of making money.

Statically, the above assertion might be accurate but not for multi-level marketing. If you become a sales representative to Primerica, it won’t make you a business owner because you can only earn a commission.

How to Make Money with Primerica MLM Jobs

For you to make money with Primerica MLM careers jobs and compensation plan, you have to know what they do first.

So, what does Primerica do?

Primerica is a company that deals in financial services; they promote and sell financial products ranges from insurance, investment, and debt management products.

You can you make money with Primerica MLM careers jobs and compensation plan through the selling of their various financial products, such products include:

  • Life insurance,
  • Mutual funds
  • Debt management products
  • Variable annuities,
  • Segregated funds,
  • Loans,
  • Long-term care insurance and
  • Pre-paid legal services

You also make money with Primerica compensation plan and MLM careers jobs by actively recruiting more sales representatives for them even to do more of recruiting to get a commission from their sales.

You don’t need to have strong financial skills to become a sales representative for Primerica.

This company promotes its products, recruits its agents, and pays via an MLM marketing system.

To effectively make money with Primerica MLM careers jobs and compensation plan; you must like the ideal financial advisor; otherwise, Primerica’s job is not for you.

You can only make money with Primerica if only you are an excellent financial planner and tutor.

To become a quality financial planner and be able to make money with Primerica, you must be ready to study and pass exams. You must first become a licensed insurance agent; otherwise, it will be fraudulent and illegal to practice and engage customers.

If your plan is to get promoted via Primerica ranks, you will eventually need to take the exams.

If studying and taken exams is not your thing, then become a Primerica representative is a wrong idea. Is Primerica safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

Is it difficult to make money with Primerica compensation plan?

Are Primerica Representatives Making Money?

The question is this; Can you make money with Primerica MLM careers jobs and compensation plan?

I can assure you that you will make money with Primerica as a representative, but the quality of what you earn also matter.

It is essential to know that you will not earn Passive income with Primerica but commission only; because you are not a business owner. You a sales representative and commission-based contractor.

Since Primerica employ an MLM model of marketing; considering Jon Taylor research on network marketing that discovered that 99.7% of MLM participant would lose their money.

He also discovered from the same research that ‘Primerica is a product-based pyramid scheme’; he stated that you have the least chance of making money with Primerica than betting your money on Casino or use your money on lottery tickets.

Many Primerica representatives are making more money than the stated average, most notably the very few contractors at the top of the scheme.

That also evidence that the majority of the representatives at the bottom of the scheme are not making money either.

What do you think of my Primerica MLM jobs reviews? Is Primerica Business Opportunity safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

primerica under investigation

It Is Difficult To Make Money With Primerica MLM Jobs

One major reason it is so difficult and tough to make money with Primerica MLM careers jobs and their compensation plan is that, the sales representatives are not making sales.

This is shown clearly in the company on the 2018 Primerica Annual Report.

You have to make sales of financial products of Primerica to earn a commission.

Starting from 2016, the Primerica agents made a monthly average sale of 0.22 of life insurance policies (which is 2.6 sales for that year); where there was a decline in 2017 with a monthly average sale of 0.21 and a further decline in 2018 of a monthly average sale of 0.19.

Can you make money with Primerica MLM careers jobs and compensation plan?

This is a pointer to how difficult it is for Primerica sales agents to making sales; known that without sales, there are no earnings.

The company made over $1.8 Billion and $1.6 Billion in revenue in 2018 and 2017, respectively; the average sales representative only made sales once every 1.7 months in 2018, which was worst compared to the previous years.

It is critical to know that the amount earned by Primerica in 2016 was $1.5 billion.

Despite the little increment in the amount made, the total number of sales representatives increase from 2016 to 2018 sporadically with incremental in sales.

Do you think Primerica is safe, legit, trustworthy, or a ripoff and a scam pyramid scheme? What do you think of my Primerica compensation plan reviews?

Primerica Licensing Requirements

For you to sell mutual funds and various variable annuity products, the US sales representative is required to be registered with the Financial Industry Regulatory Authority – FINRA.

Also, it is an important requirement for you to obtain and maintain licenses to sell any insurance and securities product in any states, provinces, regions, and territories in the USA and Canada where Primerica products are promoted.

Therefore, every sales representative is required to meet all state and federal regulatory requirements, and you must be designated as a financial investment advisor representative to practice.

You have to take and pass the necessary examinations. Most of Primerica’s other products also required sales representatives to be certified before they can advise and sell those products.

Primerica encourages every recruit to obtain his or her life insurance licenses.

Primerica will either pay for your certification exams or reimburse you for specific licensing fees and expenses incurred as soon as you pass and obtain life insurance license certifications.

It is a requirement to be appointed by an insurance subsidiary as a sales representative.

Primerica has an in house insurance licensing program that helps every recruit to prepare for their various certifications.

The Primerica pre-licensing courses have a significant number of classrooms that support the recruits to prepare for their exams for the state and provincial licensing requirements.

Primerica has a contract with a third party education firm that conducts securities licensing exam preparations for sales representatives.

If you are from Canada, it is also an essential requirement for any sales representatives that are involved in selling mutual fund products and related products to have a license and be certified by the regulators in their provinces and territories.

Do you think you can make money with Primerica compensation plan with the licensing requirements? Is Primerica safe, legit, trustworthy, or a ripoff and a pyramid scheme scam?

Primerica Salary

So, how much do they pay at Primerica?

Primerica pays an average monthly salary that ranges between $1,500 per month for Financial Analyst to $10,000 per month for an Entry Level Sales Representative.

From the research, I did on sites such as indeed, PayScale and Glassdoor.

I discovered that the average Primerica salary ranges from $24,000 yearly for Insurance Broker to $100,000 for telemarketers.

It is important to note that all salary figures are approximations, and they are based on third party submissions.

How to Contact Primerica Customer Service?

You can contact the Primerica Customer service care and support team via:

  • Primerica Customer Phone Number and Contact: 1-800-544-5445
  • Email Address:
  • U.S. Email:
  • Canada Email:

What is Good About Primerica?

Unlike many of the insurance providers with a similar business model, there are right kinds of stuff that are worth commending about Primerica!

Reasonable Fees

This is the first yardstick in measuring the viability of earning with an MLM.

Unlike most similar companies with the same opportunity, Primerica charges a refundable $99 signup fee and a fair monthly fee of $25.

Primerica Legitimate

Although Primerica is an MLM, it has products that people need and focuses on sales than on recruitment.

This differentiates it from a Pyramid scheme.

Furthermore, Primerica is publicly traded on the New York Stock Exchange (NYSE).

I don’t think a company that is a scam will have been publicly traded for 44 years!

Quality representatives

As I mentioned earlier, Primerica performs an extensive background check before issuing licenses to representatives.

This separates sheep from wolves and ensures that the sheep selected give quality wool!

Primerica Complaints

Earning Potential

As attractive as Primerica looks, sadly, most Primerica distributors earn an average of $6,088 per year or $500 per month.

Those are the lucky ones. A scrutiny of their income disclosure reveals that the majority (60%) do not earn a single cent.


If you have no experience with Finance or marketing, best find something that matches your zodiac sign!

Otherwise, be prepared to study insurance plans, rules, and regulations!

Recruitment & Marketing Strategy

Primerica encourages you to recruit people – like every MLM – especially family & friends.

I can’t emphasize on how running an MLM business can result in bad blood.


Here is where the waters get murky, and I’m not surprised.

Despite an A+ rating, there are quite several complaints about their products and services.

Online Opinion of Primerica MLM Jobs

One Primerica representative revealed that he has been working with the company for more than a year.

He adds that while the company had great insurance prices, it was sometimes hard to get people to sell to.

However, another representative criticized the fact that the commission involves the number of people you bring in. Do you think that the Primerica safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

Series of Primerica Lawsuits

Searching online for various Lawsuits involving Primerica Life Insurance Company will get you to scare.

They have multiple Lawsuits online against formal staff, clients, and agents.

You just need to Google “List of Primerica Lawsuits.” It is indeed scary to see such a volume of litigation against a single entity.

According to the Wikipedia, Primerica was a target of multiple lawsuits that stated that their representatives planned to earn commission by manipulating Florida firefighters.

This also involved various public workers in moving their funds from the safe and secure investment of the government to high-risk investments offered by Primerica.

The company set aside over $15 million to settle many allegations that involve over 230 cases.

You are checking dockets. Justin website, you will see over 342 cases involving Primerica Life Insurance Company.

How easy will it be for you to market and earn a commission from such a company will that many litigations?

With the many lawsuits, Is Primerica safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

How to Get a Refund from Primerica

The question many are asking on most online fora is “how do I get my 99 dollars back from Primerica.”

So, is it possible to get refunds from Primerica?

The answer is yes; you can get your refund from Primerica.

But how?

Just direct your request in the form of application and mail to:

  • POL – 1 Primerica Parkway, Duluth, GA 30099-0001


  • Direct your email to
  • Or call this toll free: 1-888-737-2255

Note that, a refund request for the POL fee must be made separately from a request for refund Independent Business Application fee.

BBB Primerica Reviews Rating Is “A+”

The BBB Accredited Primerica since the 31st of December 1979. The Primerica Better Business Bureau reviews and rating is “A+.”

Is Primerica Business Opportunity safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

This is a great achievement, in my opinion, for a business that has been around since 1979.

The implication of good the BBB Primerica rating is enormous such that, the company has always been on top of its customer service and support program.

They have been attending to customer issues. Customers will always complain, but how a company handles those complaints is what determines the stability of the organization.

Please note that having excellent BBB ratings does not imply that the company products and services were investigated.

No, the BBB PrimericaOnline rating has to do with the commitment of the company to always conclude and attend to customers’ complaints in good times.

Is Primerica safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

Can you make money with Primerica compensation plan? What do you think of my Primerica opportunity reviews?

Is Primerica a Pyramid Scheme?

Primerica Business Opportunity is safe, legit, trustworthy, and not a ripoff and a scam pyramid scheme?

How do you spot a pyramid scheme MLM program?

***What Is a Pyramid Scheme?***

A pyramid scheme is a manipulative way of making money based on the continuous recruitment of investors. Such a method of making money can not last for a long time.

It is a process of making money that involves promising people an incentive, money, services, primarily for recruiting other people into the scheme or manipulating them to take part in the scheme.

Note that there is no supply of real investment, products, or services to an investor or the general public. This is called a pyramid scheme because the process makes each level increase in the number of subscriptions.

So, why is the pyramid scheme illegal? Companies that practice pyramid schemes make all their income and profits virtually from recruits.

They make money from the entry fees they impose on their recruits, which is often concealed as the price for a compulsory purchase of products, training, or start-kit.

No, Primerica Business Opportunity safe, legit, trustworthy, or a ripoff and a scam pyramid scheme. This is because it involves sales of financial products that will earn you a commission.

Primerica will not pay you commission for recruitment and referral did to grow your up lines.

There are some claims online that PrimericaOnline is a product-based pyramid scheme.

What that implies is that the more recruitment is done, the more commission you get from every of your recruit that buys the products and services.

The bottom line is that the real pyramid scheme does NOT involve the sales of products and services.

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Therefore Primerica Business Opportunity is safe, legit, trustworthy, or and not a pyramid scheme scam and a ripoff?

Can you make money with Primerica as a representative? What do you think of my Primerica reviews?

Is Primerica Legit or a Scam?

Primerica Business Opportunity is legit, trustworthy, safe, and not or a ripoff and a pyramid scheme scam.

The company’s primary focus is providing middle-class American citizens for over forty years.

PrimericaOnline has been around for quite a while, and its compensation plan is very flexible and fair to its representatives.

The business model structure of the company is the major problem that may prevent you from making money from this company. 

It is important to not that Primerica is legit and not a scam.

What do you think of my Primerica Business Opportunity reviews? Is Primerica MLM career jobs safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

Can you make money with Primerica MLM careers jobs and compensation plan?

Is Primerica MLM Jobs Worth It?

What do you think of the Primerica MLM job reviews? Is Primerica Business Opportunity safe, legit, trustworthy, or a ripoff and a scam pyramid scheme?

Can you make money with Primerica MLM careers jobs and compensation plan?

Primerica is not a pyramid scheme; it provides its clients with insurance and financial service and training for its representative.

However, there is a thin line between distinguishing MLM products from pyramid schemes. This is why I always recommend an alternative to MLMs-affiliate marketing.

My top recommended product is Wealthy Affiliate; I have personally gained financial liberty through Wealthy Affiliate.

To find out how you can earn while learning the perks of affiliate marketing, click here.

Was my review on PrimericaOnline helpful? Are there any topics you wish I ought to have taken on?

Let me know if it was and drop your suggestions of product you will like me to review in the comment section below.

Is Primerica Business Opportunity safe, legit, trustworthy, or a ripoff and a scam pyramid scheme? Can you make money with Primerica MLM careers jobs and compensation plan?

What do you think of my Primerica Business Opportunity review?

I will love to hear from you, and please use my comment area below.

10 thoughts on “The Primerica Business Opportunity: Can You Really Make Money?”

  1. Hi, definitely are spot on with the fact that it is not a scam.

    What’s important to understand is that a person’s experience in this company or as a client has everything to do with the broker’s office they sign up with.

    Many amazing brokers run exceptional branch offices. Don’t confuse a broker’s branch with the company as a whole.

    Primerica’s business model and distribution system were intentionally designed to allow for us to offer financial education and affordable access to quality resources to those who need it the most- underserved middle and lower-income American’s.

    It’s genius, and we’ve only latched on to about 3 % of the marketplace.

    So if there were ever a better time to be apart of the company, it would be now. Don’t allow for the industry to keep you in fear talking about lawsuits and this and that.

    Come on. Look at the financials, look at the record break of growth reflected by the 1000% plus an increase in share value since IPO, look at the fact it’s a fortune 1000 company, watch the news reports on yahoo finance.

    And yum don’t even have to force people to join, shoot learn what the company does and the great need and good people with good hearts will fall in love with PRIMERICA.

    It would be much wider to get your info from someone who knows what the company is about and the greater purpose than some random “unbiased” review.

    The fact is 90% of middle-income Americans would be fortunate to have a qualified and severe Primerica rep sitting down with them and assuring them financial independence.

    Want to know how to determine that?? If it feels like super sales, move on cause it should feel like ease, education, and genuine care.

    P.S. you will look back one day and realize, wow, that company was on to something bigger than anyone realized, and our county and financial industry wanted us to fail financially. PRIMERICA IS THE ONE COMPANY AIMING TO CORRECT THAT INJUSTICE.

    – and no, I’m not on the “TOP” lol I make plenty of cash doing this part-time right in the middle

    1. Dear Justin,
      I agree with you that The Primerica Business Opportunity is not a scam. I also know that some people are making money.

      But, Primerica is an MLM business with a direct sales business model. This is why I can not do it and I am not encouraging anyone to get involved. But, you know, someone has to do it?

      The MLM businesses are structure to reward the owners, special investors, and those top people on the compensation plan.

      If you are just joining, you will soon realize why MLM is a waste of time. Except you decide to use another modern approach to MLM that will help you avoid recruiting people.

      What do you think?
      Thanks for reading my Primerica review and how you can make money with Primerica.



  2. Hello John, this is a thorough and unbiased review you have shared on Primerica Business Opportunity. 

    I can see that this company has stood the test of time many years ago even before I was born. 

    This would be a result of the quality of their services and products offered. Moreover, they were rated A+ Primerica BBB. 

    However, the business opportunity would not be what I’d embark on considering the earnings statistics. 

    I’d want to earn something way more than that (moreover, some persons didn’t even make a dime).


    1. Dear Biizy, 

      Thanks for reading my article on how to make money with Primerica.  I am glad you liked it. 

      Thanks again.



  3. Accruing over $10 million after a month with just penny startup investment sounds fishy. Is there any more explanation to that because I seem not to get my head over it? Overall, it appears there’s light at the tunnel with the Primerica business if one puts in the work considering how long the company has been in existence. 

    My only concern is the probability of succeeding may be very low if I should join now because people have already taken the lead a long time to the peak of the pyramid. Thanks for your comprehensive review. It has given me much to consider. 

    1. Dear DerrAd, 

      Thanks for reading my Primerica Business Opportunity review. 

      Yes, the probability of making money with Primerica is very slim. and I am sure you read why people are not making money with Primerica as highlighted in my article. 

      Another major issue I have with Primerica is the Lawsuits. You just need to Google “Primerica Lawsuits” You will be shocked. 

      But they the company has been around and they have been riding through the ocean of those challenges. Primerica has been around for a very long time.



  4. Hello. Thanks a lot for summarizing such an amazing review of Primerica Business Opportunity.

    Searching on the Internet for different ways to make money online I found this article full of useful information and very clear explanations. 

    In my opinion, Primerica Business Opportunity is legal. Primerica is indeed a business opportunity but for a beginner who wants to create a business and does not have much knowledge, I think it is too much. Being a successful entrepreneur means going through several training stages and investing a lot of time. 

    I found this on the Wealthy Affiliate platform and I am very glad to see that this is your top recommendation. Here is the perfect place to start a business and become a successful entrepreneur.

    Your review of Primerica is very useful and I was impressed by the pyramid scheme and I see it very beneficial for a company. 


    1. Dear Nimrodngy,

      Thanks for reading my review of Primerica jobs. 

      One other issue I have with Primerica is the Primerica licensing requirements that are so difficult to attain for ordinary people. 

      But, then it is not the making of Primerica, but mandatory requirements that must be met by any Primerica representative before they can be qualified to practice. 

      This is why making money online selling other people’s stuff is great, You don’t need any certification or permit to practice. 

      All you need to know is how to go about it. You don’t also need to pay huge money for the Affiliate Marketing training. We even have great affiliate marketing training that is very FREE.

      Thanks again for reading my reviews of Primerica and how to make money with it.



  5. Hi! When they first talked to me about Primerica I was excited and eager to join them. But after reading your post, all those lawsuits against Primerica have frightened me. I don’t like to go around recluting family and friends. It’s annoying for them and for me too! So, I’ll give Primerica a pass. Thanks for helping me make a well informed desision.

    1. Dear Ann,

      Thanks for reading my review about Primerica’s careers and how to make money with it. 

      Yes, Primerica has many Lawsuits issues, and it is scary! You may even discovery that Primerica may be under investigation. 

      This is why people are scared and they are asking questions about the trustworthiness of Primerica company. 

      But, Is Primerica a bad company? I don’t think so. The several lawsuits and the company been under investigation could be due to many Representatives that sell their financial and insurance products. 

      Many insurance and financial related company always have one lawsuit or the other. 

      Thanks again for reading my Primerica review. 



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