As insurance advisors - we dont work on hypothetical issues. We look at estate planning and combine term and whole life according to the needs of the client.
Whole life is a joke if you don't know what you're doing with your money. The best plan is diversify. There's really no solid plan you can bank on, even mutual funds, 401ks, stocks could rip you off bigtime
This is common poor and middle class thinking. These advices are designed to reach a larger audience, insurance has been used to transfer wealth for generations. If UL really sucks why do big banks offer them to the rich people only?
... Crappy returns that you claim all UL to have? Search your banks please and ask them why they dont offer such plans to the middle class and the poor this "garbage" plan. Stick with term because it costs less and the sales agent doesnt get much commission, wait doesn't mutual fund experts also get a "fee" annually? doesnt matter the fund performance even if you list money they still rip you off by taking their fund managenent fee...
Buy term invest the difference? Getting 700k after 20yrs?! That only works if you put all your refund back into the fund considering in a perfect world interests stay stable at a very high rate. Unless you watch the stock market or a real genius in investing in blue chips theres no way you can get these ubsurd returns. Insurance is meant to be part of your diversified investment. Why do you think top banks sell this "garbage" at such a high price to affluent people for such crappy returns that
My imposter misstate all the facts about Whole Life - the loan rate he states is offset with a credit - the real rate is from 0 to 1%. By year 4 to 6 your GUARANTEED Cash Value will actually increase greater than your annual premium, in essence there in no longer a cost to the coverage. His lies are legend!!!
There are only 2 ways to get your “savings” out of a whole life policy. You can get a policy loan at 6% to 8% revolving interest, or you can surrender the “permanent” policy. The crooks who sell this garbage like to con the clients into thinking that they get savings & investments, but what they get is underinsured (it costs up to 10 times more than term insurance) & ripped off. BTW, dividends on insurance come from overpayments on premiums, not investment returns.
Whole Life where: they keep your saving for the first 2-5 years or longer. Where, when money does accumulate it’s at 1-4% at best (negative savings when you factor in the 2-5+ years they keep your money.) Where, if you want to access your own money, you have to take out a policy loan at 6-8% interest. Where if you die, they keep your “savings” and deduct any outstanding loans from the death benefit. Source - the actual policies themselves.
this guy is assuming everyone will invest their money, because thats what normal humans do. But very little people do. What he failed to mention is that most major companies pay interest of atleast 3% on the cash value one accumuluates on a life policy, all tax free! What do banks offer? Hmm.... .75%? In a perfect world, Ramsey's theory would work. But what do you tell someone at the age of 60, who isint insurable who didnt save? Told you so?
My 51 year old brother-in-law died one month after his term policy expired due to work related incident. At 51, the cost of term would not be significantly different than a whole life policy. The only difference is that my sister and her two kids would have had some estate protection without heavy taxation with a whole life. But, since he had term and it expired, they had nothing. Lost the home.
@Here2ownU The cost of whole life is 4 to 10 times greater than term no mater what age you are when you get it. Curious as to why he only had coverage until he was 51. Perhaps you could explain this. If he had an insurable need when his policy was about to expire he could have converted it to a new term policy without the need for a medical.
@a1prime1 It expired and he decided to shop his rates. He's a contractor and here in Michigan, times are tough especially for them. It was a term policy. So he had coverage until he was 51 simply because that's when the term ended. Thanks for your reply.
@Here2ownU No problem. But, if times were too tough for him to keep up with paying premiums on his term policy he never would have been able to afford paying up to 10 times more for a whole life policy - the results would have been the same. The problem for the vast majority of people out there is that they aren’t getting any education about finances from traditional financial companies. The information that they do get is designed to keep them down financially.
@a1prime1, If he had a whole life policy and times are bad and he couldn't pay his premium then thats when you take your dividend that you are receiving to pay the premiums. By the time he reaches 51 he would have had the policy inforce long enough that the dividends would be enough to pay his premium. own side is the cash value doesn't grow but he does have permanent life insurance (flexability) Ramsey's idea = terrible. FACT today people save less than any generation.
@maforester7777 You forgot to mention dividends from an insurance policy come from overpayment on premiums, not from investment returns. This is why this garbage costs up to 10 times more than term & why people are left drastically underinsured in the event that there’s a need for it. Take the amount overpaid on WL, get the proper amount of term & invest the difference. People are in financial trouble due to the misinformation they get from crooks in the industry.
@Here2ownU I'm sorry for your brother in Law, but thank you for your story. People need to listen to you. There's a place for both types of insurance.
Better get spamming troll. Guess you’ll be in all your glory in a couple days won’t you troll? While the rest of us are spending time with friends & family you’ll be busy trolling YouTube like crazy, won’t you? Since you screwed over your friends & family you won’t have to worry about spending time with them, will you? Just you in a little room, spewing your poison onto the net. How pathetic.
The trash value troll clearly is a gutless coward who has to spam comments & use multiple aliases because he’s a cockroach who can’t stand the light of day. You can censor comments all you want, wimp, but you can’t hide from yourself. You’re a fraud & you know it. Look at the trhee spammed comments beneath this one. What a gutless loser.
@a1prime1 Are you three PrimeriDouches done consoling each other yet? Are you all done licking each other's wounds? Soon after, are you all going to move onto dicks?
LOL Triple Nipples, know this: Primericrap pays you shit. Stay poor with your 25% commission with no renewals LOL. I know you'll say you make more than 25%, but honestly we all know you don't make shit and are at the very bottom of the rung and barrel.
@jgiIles85 You talk really big for someone who has to resort to spamming other peoples comments, you gutless, coward. You know you’re a lying phoney, that’s why you have to resort to this crap. This is all you have left in your life, isn’t it cockroach.
@jgiIles85 Better get spamming troll. Guess you’ll be in all your glory in a couple days won’t you troll? While the rest of us are spending time with friends & family you’ll be busy trolling YouTube like crazy, won’t you? Since you screwed over your friends & family you won’t have to worry about spending time with them, will you? Just you in a little room, spewing your poison onto the net. How pathetic.
He further PROVES what an incompetent, lying, loser, sleazebag of a troll he is by going back to spamming comments on every posting he‘s visited. He then posts & spams his own comments so he can look like a victim. He thinks this is clever.
Speaking of industry changes - in Canada - One time big player, Standard Life, is the latest trash value company to fall out of the insurance industry. There were over 3000 trash value companies in North America 35 years ago, now there are less than 990.
@a1prime1 I am very sorry for my earlier posts, as a former whole life agent ( termisexpensive) I was rude and frankly I acted like a child. I was upset at having all my policies replaced by term policies. Jgilles85 is still upset at losing his business he messages me and still is bitter at Primerica for firing him.
@termischeap Well, there are certainly quite a few comments that he runs from like a frightened child. He talks big but has absolutely nothing to back it up. I guess that’s why he sinks into a world of lies, delusion & fantasy.
@jerkilles95 Well that would explain his obsession with calling everyone gay. Plus, hiding in the closet all these years would explain his desperation in covering up what he doesn’t want to face up to.
@jerkilles95 Well that would explain his obsession with calling everyone gay. Plus, hiding in the closet all these years would explain his desperation in covering up what he doesn’t want to face up to. Look at how quick he was to spam this comment. What more proof do you need?
@jerkilles95 Looks like the troll confirmed that you're right. It clearly explains his obsession with calling everyone gay. Plus, hiding in the closet all these years explains his desperation in covering up what he doesn’t want to face up to. Look at how quick he was to spam this comment.
What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), & several other names that haven’t been seen since Google made users associate a phone # with their accounts, can’t attack Primerica or defend the trash value industry with out resorting to idiotic lies, spamming other users comments, using multiple aliases, & generally making a total fool of himself.
He further PROVES what an incompetent, lying, loser, sleazebag of a troll he is by going back to spamming comments on every posting he‘s visited. He then posts & spams his own comments so he can look like a victim. He thinks this is clever.
Speaking of industry changes - in Canada - One time big player, Standard Life, is the latest trash value company to fall out of the insurance industry. There were over 3000 trash value companies in North America 35 years ago, now there are less than 990.
What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
He further PROVES what an incompetent, lying, loser, sleazebag of a troll he is by going back to spamming comments on every posting he‘s visited. He then posts & spams his own comments so he can look like a victim. He thinks this is clever.
Speaking of industry changes - in Canada - One time big player, Standard Life, is the latest trash value company to fall out of the insurance industry. There were over 3000 trash value companies in North America 35 years ago, now there are less than 990.
What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), & several other names that haven’t been seen since Google made users associate a phone # with their accounts, can’t attack Primerica or defend the trash value industry with out resorting to idiotic lies, spamming other users comments, using multiple aliases, & generally making a total fool of himself.
He further PROVES what an incompetent, lying, loser, sleazebag of a troll he is by going back to spamming comments on every posting he‘s visited. He then posts & spams his own comments so he can look like a victim. He thinks this is clever.
Speaking of industry changes - in Canada - One time big player, Standard Life, is the latest trash value company to fall out of the insurance industry. There were over 3000 trash value companies in North America 35 years ago, now there are less than 990.
What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), & several other names that haven’t been seen since Google made users associate a phone # with their accounts, can’t attack Primerica or defend the trash value industry with out resorting to idiotic lies, spamming other users comments, using multiple aliases, & generally making a total fool of himself.
What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), & several other names that haven’t been seen since Google made users associate a phone # with their accounts, can’t attack Primerica or defend the trash value industry with out resorting to idiotic lies, spamming other users comments, using multiple aliases, & generally making a total fool of himself.
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth. Notice how he keeps spamming this comment.
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
@insurancemike10 You said you were a former Primerica Rep yet couldn’t explain how a SMART loan works? Claiming to know how the rich operate, when I give you a question you should have been able to answer immediately, spend days spamming my questions & giving amateur answers. You’ve shown repeatedly that your clueless when it comes to financial services so you resort to identity theft, multiple aliases, & spamming comments. You’re a fraud & a failure. All you have left is being a troll.
The troll resorts to imitating my YT name - note how he uses a lower case “L” instead of a 1 (one) & that his profile states he joined on August 31, 2011, while I joined on February 17, 2011 (more than 6 months before him.) Hmm, sounds like his lies concerning whole life. Anyone with a policy can see the truth for themselves, yet he thinks he can lie his way past that - that’s why these clowns stopped coming out on agent confrontations years ago.
What a tool this guy is. Anyone who knows a thing about Primerica knows they should have NO product called Smart!!! We know primerica preys on the lower income families, why is that? See they are afraid of the educated and hence why I've been schooling them!!!
@aIprime1 ROFLMAO! Are you seriously this retarded troll. That’s your answer to how a SMART loan works, to deny it’s existence. Holy crap are you ever lame, troll. You make all these claims about whole life that can easily be proven false by going through ANY whole life policy (that’s why they’re so easy to replace.) You continually make idiotic statements about Primerica’s term that can be easily disproved by anyone who owns one (like mine.) Damn you’re stupid, troll.
a1douchebagPrime HAHAHAH look at you writing to all the guys you know to be suspects. HAHAHA your actions are so transparent! You think we won't be able to figure out you're trying to identify us? Really? Are you this stupid?
Your actions are so telegraphed it's not even funny. Douchebag, you will NEVER figure us out. MOO HOO AHAHAHAHAHAAH
@insurancemike10 You said you were a former Primerica Rep yet couldn’t explain how a SMART loan works? Claiming to know how the rich operate, when I give you a question you should have been able to answer immediately, spend days spamming my questions & giving armature answers. You’ve shown repeatedly that your clueless when it comes to financial services so you resort to identity theft, multiple aliases, & spamming comments. You’re a fraud & a failure. All you have left is being a troll.
jgilles85 is an ex-primerican that got fired for screwing his customer, now he is a whole life insurance agent, i have been tracking him down through many blogs, check any blog that talks about TERM INSURANCE and you'll see, everyone please DON'T WAIST YOUR TIME WITH HIM.
Of course the trash value troll doesn’t want to discuss this. How about the all too common practice of these “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” they do that results in as much or more trash value insurance being placed on the children as is placed on the parents? These are common practices we come across every day throughout North America.
She’d have to surrender the trash value policy in order to get her $22,000 from it (permanent insurance?) Wow, a NEGATIVE 46% return that’s tax free and bypasses probate. The trash value troll would prefer that you don’t go by the actual policies or actual results. When your actual return is NEGATIVE 46% you’re supposed to ignore that & believe that it’s really 5%. Given his emotional instability, dishonesty, & incompetence why would anyone believe anything he has to say?
Our trash value troll defended the following as a good policy & wise investment: Trash value insurance with $225,000 face value at $245/month (it’ll never be a paid up policy, she’ll pay this as long as she owns it, assuming it isn‘t cancelled.) In 19 years it’s built up a cash value of $22,000. Wow! A 30 year term for $250,000 would have cost her about $65/month leaving her with $180/month. In 19 years @ 0% interest she’d have $41,040. The trash value policy gave her a return of NEGATIVE 46%.
@Termisexpensive no dividends are being distributed in trash value policies because of low interest rates, so that means policy holders will not get back some of the overcharges that they have been paying for. WHOLE LIFE IS NOTHING BUT TRASH !!!!!!
@Termisexpensive You keep spamming my question troll, people are going to see what a gutless coward you are. I’m not asking for a 1600 page dissertation troll. You’ve said Primerica reps are “unqualified part-timers”. I can give you the short answer to this in 10 words or less. I could expand it in a single comment. Show us how qualified you are. You claim to know how the rich operate. Why do the rich appear to pay no taxes? How do they do this? (Hint - you won’t find the answer on Wikipedia.)
@a1prime1 googled "who pays income tax in the US" and it's clear - in fact the Top 1% pay over a 1/3 of ALL taxes collected - Hmmmm - maybe these morons should crawl into a hole!!!
@Termisexpensive It took you all weekend to Google that? Maybe you didn’t understand the question, troll. You claim to know how the rich operate. How is it that they APEAR to pay no taxes. How does this happen? If you had the slightest clue what the answer is you’d have said so right away instead of spending the weekend spamming comments. Care to take another shot?
@Termisexpensive It took you all weekend to Google that? Maybe you didn’t understand the question, troll. You claim to know how the rich operate. How is it that they APEAR to pay no taxes. How does this happen? If you had the slightest clue what the answer is you’d have said so right away instead of spending the weekend spamming comments. Care to take another shot? BTW, I’m not aligning with anyone, retard. Spamming this comment proves what and incompetent, gutless, coward you are.
@SuperLifeguy You said you were a former Primerica Rep yet couldn’t explain how a SMART loan works? Claiming to know how the rich operate, when I give you a question you should have been able to answer immediately, spend days spamming my questions & giving armature answers. You’ve shown repeatedly that your clueless when it comes to financial services so you resort to identity theft, multiple aliases, & spamming comments. You’re a fraud & a failure. All you have left is being a troll.
He won't debate you because he knows he has no facts to base his arguements on. I'm sure he's about 3 weeks from being out of the business. He can't be making a living with the time he's spends on these sites. That and the time he spends creating false IDs and trying to impersonate good people like me.
@aIprime1 I’m asking it on 8 other sites & you keep spamming the question. Why is that troll? Why are you playing these games? Why do you throw in your own comment & spam that too? Is it so you can play victim? If you have time to do all this crap, troll, you have time to answer the question.
Question: why would anyone want to Buy Term Invest the Difference with Primericrap? Their term insurance is the most expensive in the industry, and the coverage sucks balls. Why not work with a REAL insurance company who will give you rock bottom term rates and invest the EVEN GREATER difference?
a1douchebagprime has no answer to this basic question. What is he trying to hide?
@jgiIles85 You must have accidentally spammed my question troll. Second chance. Since you seem to believe you know how the rich operate, you should have no challenge answering the following; One of the many complaints coming from the occupy Wall Street protesters was that the rich don’t pay taxes. Why do the rich appear to pay no taxes?
As a former Primerican and can tell you it's fact - they have the MOST expensive term life in the industry and they charge the HIGHEST allowable commission on their high fee mutual funds. Plus they use UNISEX rates which in their case results in NO premium relief for males and absolutely crushes the female rate. And their 30 year is ONLY guaranteed 20 years with a waiver that costs 15% of base premium, while ind. ave. is 3%. Criminal
Notice what the trash value agent’s avoiding talking about? He defended this policy. This woman got screwed over by some scumbag like him. Gee, why doesn’t he want to discuss it?
Let’s look at the average annualized returns for the last 30 years (including the recent period of market volatility): A good Equity Mutual Fund - about 12%, An aggressive Portfolio Fund - about 11%, A Conservative Fund - about 10%, S&P 500 Index Fund - about 9 ½%. You want an iron clad guarantee? If you get to retirement with only $22,000, you aren’t retiring.
A 30 year term for $250,000 would have cost her about $55 to $75 / month. Lets say $65 (still more than I would quote but let’s make this as fair as possible.) This would leave her with $180 / month to invest. At 7.1% interest she would have over $225,000. If she got 10% she could get there in about 24 years and cancel the policy. I can hear the troll now: “0% returns are far too risky, she need’s the negative returns that a trash value policy will guarantee.”
Our trash value troll considers the following to be a good policy and wise investment: Trash value life insurance with $225,000 face value at $245 / month (at this price it will never be a paid up policy - she’ll pay this as long as she owns it, assuming it isn‘t cancelled.) After 19 years it’s built up a cash value of $22,000. $96.50 / month invested at 0% (zero) interest will give you $22,000 in 19 years. At 4% interest she would have to pay $64.36 / month.
As anyone can plainly see, trash value agents can’t sell their garbage without lying to the consumer. They can’t defend their policies and practices without lies. They can’t attack Primerica without lying. They come on YT and have to resort to impersonating other people & using multiple aliases because they have no morals or values and know it. Oh, but just because they’ve lied to everyone 10,000 times doesn’t mean they’re going to lie on the 10,001st time - does it?
Buy Term and LOSE the Difference is more like it!!! WHOLE LIFE = no market risk? 5% return? tax deferred build up? tax free withdrawal? Zero net cost loans? Self completes if you become disabled? Lawsuit and creditor protected in 43 states? tax free death benefit? No 591/2 rule on distributions? No RMDs? No contribution limits? And people say this is a bad product? Really? The truth be told it very well may be the best financial product you can own!!!
@aIprime1 I’m asking it on 8 other sites & you keep spamming the question. Why is that troll? Why are you playing these games? Why do you throw in your own comment & spam that too? Is it so you can play victim? If you have time to do all this crap, troll, you have time to answer the question.
Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value agent who‘s claiming I‘m imitating him (until he figures out that he goofed up again and decides to hide it.) It shows that he joined on August 31st 2011. I‘ve had this profile over 8 months before him, yet he claims I‘m imitating him. Another example of the level of honesty and integrity in the pathetic trash value industry.
no market risk? 5% return? tax deferred build up? tax free withdrawal? Zero net cost loans? Self completes if you become disabled? Lawsuit and creditor protected in 43 states? tax free death benefit? No 591/2 rule on distributions? No RMDs? No contribution limits? And people say this is a bad product? Really? The truth be told it very well may be the best financial product you can own!!!
no market risk? 5% return? tax deferred build up? tax free withdrawal? Zero net cost loans? Self completes if you become disabled? Lawsuit and creditor protected in 43 states? tax free death benefit? No 591/2 rule on distributions? No RMDs? No contribution limits? And people say this is a bad product? Really? The truth be told it very well may be the best financial product you can own!!!
@aIprime1 Troll, you state that people should think like the rich in regards to their finances. Since you seem to believe you know how the rich operate, you should have no challenge answering the following; One of the many complaints coming from the occupy Wall Street protesters was that the rich don’t pay taxes. Why do the rich appear to pay no taxes?
They can’t sell their garbage without lying to the consumer. They can’t defend their policies and practices without lies. They can’t attack Primerica without lying. They come on YT and have to resort to impersonating other people because they have no morals or values and know it. Oh, but just because they’ve lied to everyone 10,000 times doesn’t mean they’re going to lie on the 10,001st time - does it?
Notice the level of integrity displayed by trash value insurance agents. This clown uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Why? Because these trash value insurance agents use the same level of integrity on YT that they do with the public. This is why they have so many complaints and lawsuits launched against them. He can’t defend trash value policies or the practices of trash value agents, so he resorts to this. Typical trash value agent.
@jerkilles95 And yo mama's got 2 Dollar Tuesdays. You know, she looks like something from the Colonel, except her breasts are picked clean, and she ain't got no legs.
Primericans minions are all suckers. They don't even earn renewal commissions until they're District Leader!!! What a cruel way to treat their reps. They also happen to have the worst products in existence, so they end up shafting anyone they come into contact with, much like, well, a plague.
@jgiIles85 fyi moron, If you are a district and getting "renewals" you been around the block for 20 years lol. Hey jgilles why don't you actually think of material on your own? You keep screwing up and posting stuff your other IDS have post before lol. Although since you have 4 other accounts...
@jgiIles85 What's the matter bitch? You don't want to discuss the policy? You said it was a good policy. You trashed Suze Orman. What's your background, loser? What companies did you run? (Other than your own, which you ran into the ground.) What's the matter, couldn't you find anyone who'd go into business with a disaster like yourself? You must have told them you're views on market returns. Did they run out on you at that point, moron?
I specifically chose the name I’m using because I was well aware of the practice used by trash value crooks of impersonating other YT users, then claiming that they were the ones being ripped-off. I knew our little YT trash value troll would come after me eventually - who else is this consistently stupid? - I’m just surprised it took him so long. About ½ or more of the trash value crooks on these sites are him using various profiles. Typical trash value con artist.
Our trash value YT troll is a perfect example of what that industry does to the suckers that get involved with them. His family has disowned him. His friends have deserted him. He spends every moment of his free time trolling the net because he has no life. He also has no integrity. He tries to pass himself off as other people because he can’t defend the things he’s done, and others still do. He thinks he’s clever but he merely shows what a lying, angry, bitter, little coward he really is.
About a year ago Primerica had the most successful Initial Public Offering the New York Stock Exchange had seen in a decade. This happened during a down market. Companies spent millions of dollars researching us before getting involved. Primerica is seen as the company that’s set to dominate the financial service industry. That’s real credibility. Something that continually escapes the trash value YT troll. He can’t identify what he doesn’t have.
Things aren’t going to get any better for them either. When Primerica began there were about 3000 trash value companies in North America. Today there are about 990. The only way they can grow is through acquisitions and mergers. They can’t replace the agents that are retiring (you may have heard of the greying of the industry). The average retention rate of new trash value agents is less than 48 months. Only the diehard crooks will stay on with them.
At one time, when we replaced a trash value policy, the crook who sold it would come out to an agent confrontation in front of the client. They would try to talk over everyone’s head and overwhelm the client with a bunch of garbage. The only thing the client was interested in was why they had been lied to by these crooks. Trash value agents don’t have the backbone to come out to agent confrontations anymore. They hide in their offices and troll the net. Cowards.
Often we find as much or more trash value on the children as on the parents. Why? Because once the trash value agent screws the parents out of as much money as they can, they start working them over to cover their children (this is the sort of thing that passes for estate planning with trash value agents). If that doesn’t work, they put universal life coverage on the children and tell the parents that they’re education funds. This practice is commonplace.
How do these trash value agents and their companies treat their clients?; By cancelling the policies on seniors for no reason (wonder if they sold it to them as “permanent” insurance?); By underselling the need for insurance to families, knowing that they could never afford to get the coverage they needed using “permanent” insurance garbage. If someone dies the family is devastated financially as well as emotionally, not that it matters to these crooks.
What passes for ethics among trash value agents? After 911 Primerica paid out all death claims immediately. The trash value companies, like the one our lying YT troll represented, claimed that the war on terrorism or cases where there was no body (having been vaporized) meant they didn’t have to pay. They dragged the victims families through the courts for years. That’s what passes for integrity in the trash value industry.
Notice the level of integrity displayed by trash value insurance agents. This clown uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Why? Because these trash value insurance agents use the same level of integrity on YT that they do with the public. This is why they have so many complaints and lawsuits launched against them. He can’t defend trash value policies or the practices of trash value agents, so he resorts to this. Typical trash value agent.
I've been told that permanent life insurance can do many things for people such as the following: Provide guaranteed death benefit for life, provide tax deferred build up of cash value and tax free access, provide a guaranteed return with no market risk, provide funds to "self complete" in event of sickness or disability, provdie tax free money for chronic illiness and terminal illness, provide tax free death benefit, no penalty for access prior to 591/2, no contribution limits, no income limits
Buy a convertable level term. If you when your at the end of the policy and you want to convert some into say a single premium whole life policy with some of the investment money you have made to increase estate without increase your tax liablities then there ya go, no health questions to worry about.WL isn't an investment for you to become wealthy. Its usefulness is seen as a estate planning tool.
PRIMERICA is the ONLY life insurance company that ONLY sells term!! Buy term invest the difference is the wise mans way to go!! On top of that we sell the longest term insurance in the industry which is 35 years!! Good luck buying trash value insurance!!! You dont make money first five years (surrender charge), the money you use after 5 years will be given to you as a loan 6%-12% interest annually, and if you die depending on the policy, you dont get the money in the acc you accumaleted!! :((((
@GEVO111 But your term is the highest premium in the industry and you use unisex rates as I know having sold this garbage for 3 years. Loan rates on WL and UL are at either zero net cost or at the most 1% - why do you lie so much? PS - with a WL you'll have an increase in your GUARANTEED cash value greater than your annual premium by year 3 to 5 depending on age and risk class - so basically you pay out of pocket for 2 to 4 years. Why do you lie so much?
what are dividends in a life policy? I believe they are over payments the insurance company charges me and maybe paid back...at zero percent.And why would I want 3-4 % on my money when the actual returns have been 14.8% over 20 years.And why not for the same money have 5-6 times the amount of coverage with a term policy? And why would i want a trash value policy that keeps my savings?
As insurance advisors - we dont work on hypothetical issues. We look at estate planning and combine term and whole life according to the needs of the client.
Sessienaidoo 3 weeks ago
Whole life is a joke if you don't know what you're doing with your money. The best plan is diversify. There's really no solid plan you can bank on, even mutual funds, 401ks, stocks could rip you off bigtime
Mbarzon 3 weeks ago
Whole life is a joke.
termischeap 3 weeks ago
This is common poor and middle class thinking. These advices are designed to reach a larger audience, insurance has been used to transfer wealth for generations. If UL really sucks why do big banks offer them to the rich people only?
Mbarzon 3 weeks ago
... Crappy returns that you claim all UL to have? Search your banks please and ask them why they dont offer such plans to the middle class and the poor this "garbage" plan. Stick with term because it costs less and the sales agent doesnt get much commission, wait doesn't mutual fund experts also get a "fee" annually? doesnt matter the fund performance even if you list money they still rip you off by taking their fund managenent fee...
Mbarzon 3 weeks ago
Buy term invest the difference? Getting 700k after 20yrs?! That only works if you put all your refund back into the fund considering in a perfect world interests stay stable at a very high rate. Unless you watch the stock market or a real genius in investing in blue chips theres no way you can get these ubsurd returns. Insurance is meant to be part of your diversified investment. Why do you think top banks sell this "garbage" at such a high price to affluent people for such crappy returns that
Mbarzon 3 weeks ago
My imposter misstate all the facts about Whole Life - the loan rate he states is offset with a credit - the real rate is from 0 to 1%. By year 4 to 6 your GUARANTEED Cash Value will actually increase greater than your annual premium, in essence there in no longer a cost to the coverage. His lies are legend!!!
aIprime1 1 month ago
There are only 2 ways to get your “savings” out of a whole life policy. You can get a policy loan at 6% to 8% revolving interest, or you can surrender the “permanent” policy. The crooks who sell this garbage like to con the clients into thinking that they get savings & investments, but what they get is underinsured (it costs up to 10 times more than term insurance) & ripped off. BTW, dividends on insurance come from overpayments on premiums, not investment returns.
a1prime1 1 month ago
Whole Life where: they keep your saving for the first 2-5 years or longer. Where, when money does accumulate it’s at 1-4% at best (negative savings when you factor in the 2-5+ years they keep your money.) Where, if you want to access your own money, you have to take out a policy loan at 6-8% interest. Where if you die, they keep your “savings” and deduct any outstanding loans from the death benefit. Source - the actual policies themselves.
a1prime1 1 month ago
this guy is assuming everyone will invest their money, because thats what normal humans do. But very little people do. What he failed to mention is that most major companies pay interest of atleast 3% on the cash value one accumuluates on a life policy, all tax free! What do banks offer? Hmm.... .75%? In a perfect world, Ramsey's theory would work. But what do you tell someone at the age of 60, who isint insurable who didnt save? Told you so?
adikto79 1 month ago in playlist Life Insurance + Whole of Life
My 51 year old brother-in-law died one month after his term policy expired due to work related incident. At 51, the cost of term would not be significantly different than a whole life policy. The only difference is that my sister and her two kids would have had some estate protection without heavy taxation with a whole life. But, since he had term and it expired, they had nothing. Lost the home.
Here2ownU 1 month ago
@Here2ownU The cost of whole life is 4 to 10 times greater than term no mater what age you are when you get it. Curious as to why he only had coverage until he was 51. Perhaps you could explain this. If he had an insurable need when his policy was about to expire he could have converted it to a new term policy without the need for a medical.
a1prime1 1 month ago
@a1prime1 It expired and he decided to shop his rates. He's a contractor and here in Michigan, times are tough especially for them. It was a term policy. So he had coverage until he was 51 simply because that's when the term ended. Thanks for your reply.
Here2ownU 1 month ago
@Here2ownU No problem. But, if times were too tough for him to keep up with paying premiums on his term policy he never would have been able to afford paying up to 10 times more for a whole life policy - the results would have been the same. The problem for the vast majority of people out there is that they aren’t getting any education about finances from traditional financial companies. The information that they do get is designed to keep them down financially.
a1prime1 1 month ago
@a1prime1, If he had a whole life policy and times are bad and he couldn't pay his premium then thats when you take your dividend that you are receiving to pay the premiums. By the time he reaches 51 he would have had the policy inforce long enough that the dividends would be enough to pay his premium. own side is the cash value doesn't grow but he does have permanent life insurance (flexability) Ramsey's idea = terrible. FACT today people save less than any generation.
maforester7777 1 week ago
@maforester7777 You forgot to mention dividends from an insurance policy come from overpayment on premiums, not from investment returns. This is why this garbage costs up to 10 times more than term & why people are left drastically underinsured in the event that there’s a need for it. Take the amount overpaid on WL, get the proper amount of term & invest the difference. People are in financial trouble due to the misinformation they get from crooks in the industry.
a1prime1 1 week ago
@Here2ownU Get yourself a copy of the February edition of Consumer’s Report to see what I mean.
a1prime1 1 month ago
@a1prime1 Thank you. I will.
Here2ownU 1 month ago
@Here2ownU I'm sorry for your brother in Law, but thank you for your story. People need to listen to you. There's a place for both types of insurance.
xmanrules2001 1 month ago
This has been flagged as spam show
The troll runs away from comments like a child in fear,
Then he posts inane lies & calls everyone queer,
His family’s disowned him & his friends did take flight,
Now he’s left to troll YouTube all day & all night,
He has many profiles, just look, it is true,
He spends his time spamming comments he has no answer to,
But surely he knows that he appears as a great flake,
He just cannot help it, he’s a fraud & a fake.
a1prime1 2 months ago
This has been flagged as spam show
P - Pyramid Propagators
R - Retarded Reunion
I - Insidious Insects
M - Masturbating Man Milk Maniacs
E - Egregiously Entrap Elders
R - Racist Rectum Rebels
I - Imbicilic Illiterates
C - Cancerous Cacophony
A - Apathetic Absolute Alienation
jgiIles85 2 months ago
This has been flagged as spam show
The troll runs away from comments like a child in fear,
Then he posts inane lies & calls everyone queer,
His family’s disowned him & his friends did take flight,
Now he’s left to troll YouTube all day & all night,
He has many profiles, just look, it is true,
He spends his time spamming comments he has no answer to,
But surely he knows that he appears as a great flake,
He just cannot help it, he’s a fraud & a fake.
a1prime1 2 months ago
This has been flagged as spam show
The troll runs away from comments like a child in fear,
Then he posts inane lies & calls everyone queer,
His family’s disowned him & his friends did take flight,
Now he’s left to troll YouTube all day & all night,
He has many profiles, just look, it is true,
He spends his time spamming comments he has no answer to,
But surely he knows that he appears as a great flake,
He just cannot help it, he’s a fraud & a fake.
a1prime1 2 months ago
This has been flagged as spam show
Better get spamming troll. Guess you’ll be in all your glory in a couple days won’t you troll? While the rest of us are spending time with friends & family you’ll be busy trolling YouTube like crazy, won’t you? Since you screwed over your friends & family you won’t have to worry about spending time with them, will you? Just you in a little room, spewing your poison onto the net. How pathetic.
a1prime1 2 months ago
The trash value troll clearly is a gutless coward who has to spam comments & use multiple aliases because he’s a cockroach who can’t stand the light of day. You can censor comments all you want, wimp, but you can’t hide from yourself. You’re a fraud & you know it. Look at the trhee spammed comments beneath this one. What a gutless loser.
a1prime1 2 months ago
@a1prime1 Are you three PrimeriDouches done consoling each other yet? Are you all done licking each other's wounds? Soon after, are you all going to move onto dicks?
LOL Triple Nipples, know this: Primericrap pays you shit. Stay poor with your 25% commission with no renewals LOL. I know you'll say you make more than 25%, but honestly we all know you don't make shit and are at the very bottom of the rung and barrel.
Douchebags, all three of you just die already.
jgiIles85 2 months ago
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@jgiIles85 You talk really big for someone who has to resort to spamming other peoples comments, you gutless, coward. You know you’re a lying phoney, that’s why you have to resort to this crap. This is all you have left in your life, isn’t it cockroach.
a1prime1 2 months ago
This has been flagged as spam show
@jgiIles85 Better get spamming troll. Guess you’ll be in all your glory in a couple days won’t you troll? While the rest of us are spending time with friends & family you’ll be busy trolling YouTube like crazy, won’t you? Since you screwed over your friends & family you won’t have to worry about spending time with them, will you? Just you in a little room, spewing your poison onto the net. How pathetic.
a1prime1 2 months ago
This has been flagged as spam show
He further PROVES what an incompetent, lying, loser, sleazebag of a troll he is by going back to spamming comments on every posting he‘s visited. He then posts & spams his own comments so he can look like a victim. He thinks this is clever.
a1prime1 2 months ago
Speaking of industry changes - in Canada - One time big player, Standard Life, is the latest trash value company to fall out of the insurance industry. There were over 3000 trash value companies in North America 35 years ago, now there are less than 990.
a1prime1 2 months ago
@a1prime1 I am very sorry for my earlier posts, as a former whole life agent ( termisexpensive) I was rude and frankly I acted like a child. I was upset at having all my policies replaced by term policies. Jgilles85 is still upset at losing his business he messages me and still is bitter at Primerica for firing him.
termischeap 2 months ago
@termischeap Maybe Santa (or the Wizard of Oz) can bring him a brain, or heart, or courage for Christmas. Lord knows he desperately needs all three.
a1prime1 2 months ago
@a1prime1 not likely, he was bullied as a child and now his keyboard is his courage,
termischeap 2 months ago
@termischeap Well, there are certainly quite a few comments that he runs from like a frightened child. He talks big but has absolutely nothing to back it up. I guess that’s why he sinks into a world of lies, delusion & fantasy.
a1prime1 2 months ago
@a1prime1 looks like he searches for guy pics on date sites as well what a tool lol
jerkilles95 2 months ago
This has been flagged as spam show
@jerkilles95 Well that would explain his obsession with calling everyone gay. Plus, hiding in the closet all these years would explain his desperation in covering up what he doesn’t want to face up to.
a1prime1 2 months ago
This has been flagged as spam show
@jerkilles95 Well that would explain his obsession with calling everyone gay. Plus, hiding in the closet all these years would explain his desperation in covering up what he doesn’t want to face up to. Look at how quick he was to spam this comment. What more proof do you need?
a1prime1 2 months ago
This has been flagged as spam show
@jerkilles95 Looks like the troll confirmed that you're right. It clearly explains his obsession with calling everyone gay. Plus, hiding in the closet all these years explains his desperation in covering up what he doesn’t want to face up to. Look at how quick he was to spam this comment.
a1prime1 2 months ago
This has been flagged as spam show
What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
a1prime1 2 months ago
This has been flagged as spam show
Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
a1prime1 2 months ago
This has been flagged as spam show
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
a1prime1 2 months ago
This has been flagged as spam show
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
a1prime1 2 months ago
This has been flagged as spam show
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
a1prime1 2 months ago
This has been flagged as spam show
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
a1prime1 2 months ago
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), & several other names that haven’t been seen since Google made users associate a phone # with their accounts, can’t attack Primerica or defend the trash value industry with out resorting to idiotic lies, spamming other users comments, using multiple aliases, & generally making a total fool of himself.
a1prime1 2 months ago
Here are a few of the comments that the trash value troll likes to spam the most:
a1prime1 2 months ago
This has been flagged as spam show
He further PROVES what an incompetent, lying, loser, sleazebag of a troll he is by going back to spamming comments on every posting he‘s visited. He then posts & spams his own comments so he can look like a victim. He thinks this is clever.
a1prime1 2 months ago
This has been flagged as spam show
Speaking of industry changes - in Canada - One time big player, Standard Life, is the latest trash value company to fall out of the insurance industry. There were over 3000 trash value companies in North America 35 years ago, now there are less than 990.
a1prime1 2 months ago
This has been flagged as spam show
What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
a1prime1 2 months ago
This has been flagged as spam show
Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
a1prime1 2 months ago
This has been flagged as spam show
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
a1prime1 2 months ago
This has been flagged as spam show
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
a1prime1 2 months ago
This has been flagged as spam show
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
a1prime1 2 months ago
This has been flagged as spam show
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
a1prime1 2 months ago
Wow, look at all the spammed comments.
a1prime1 2 months ago
This has been flagged as spam show
He further PROVES what an incompetent, lying, loser, sleazebag of a troll he is by going back to spamming comments on every posting he‘s visited. He then posts & spams his own comments so he can look like a victim. He thinks this is clever.
a1prime1 2 months ago
This has been flagged as spam show
Speaking of industry changes - in Canada - One time big player, Standard Life, is the latest trash value company to fall out of the insurance industry. There were over 3000 trash value companies in North America 35 years ago, now there are less than 990.
a1prime1 2 months ago
This has been flagged as spam show
What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
a1prime1 2 months ago
This has been flagged as spam show
Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
a1prime1 2 months ago
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The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
a1prime1 2 months ago
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The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
a1prime1 2 months ago
This has been flagged as spam show
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
a1prime1 2 months ago
This has been flagged as spam show
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
a1prime1 2 months ago
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), & several other names that haven’t been seen since Google made users associate a phone # with their accounts, can’t attack Primerica or defend the trash value industry with out resorting to idiotic lies, spamming other users comments, using multiple aliases, & generally making a total fool of himself.
a1prime1 2 months ago
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Here are a few of the comments that the trash value troll likes to spam the most:
a1prime1 2 months ago
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He further PROVES what an incompetent, lying, loser, sleazebag of a troll he is by going back to spamming comments on every posting he‘s visited. He then posts & spams his own comments so he can look like a victim. He thinks this is clever.
a1prime1 2 months ago
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Speaking of industry changes - in Canada - One time big player, Standard Life, is the latest trash value company to fall out of the insurance industry. There were over 3000 trash value companies in North America 35 years ago, now there are less than 990.
a1prime1 2 months ago
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What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
a1prime1 2 months ago
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Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
a1prime1 2 months ago
This has been flagged as spam show
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
a1prime1 2 months ago
This has been flagged as spam show
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
a1prime1 2 months ago
This has been flagged as spam show
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
a1prime1 2 months ago
This has been flagged as spam show
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
a1prime1 2 months ago
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The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), & several other names that haven’t been seen since Google made users associate a phone # with their accounts, can’t attack Primerica or defend the trash value industry with out resorting to idiotic lies, spamming other users comments, using multiple aliases, & generally making a total fool of himself.
a1prime1 2 months ago
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Here are a few of the comments that the trash value troll likes to spam the most:
a1prime1 2 months ago
Dave Ramsey is a scam!!
familyman400 2 months ago
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What about the all too common complaint against your companies by seniors who’ve had their policies cancelled for no reason? Why is it always such a shock to your clients when they find out how their policies actually work? Why is it so easy to replace these policies when they do find out how they work? Why don’t you have the backbone to meet us on agent confrontations anymore?
a1prime1 2 months ago
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Couldn’t help but notice you didn’t respond to any of my points. How about the common practice of you “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” you do that results in as much or more trash value insurance being placed on the children as on the parents?
a1prime1 2 months ago
This has been flagged as spam show
The troll goes on to show how utterly clueless he is when it comes to 401K’s, Mutual Funds, calculating investment returns, tax laws, & everything else related to financial services. Claiming to know how the rich operate, when I give him a question he should have been able to answer immediately, he spent days spamming my questions & giving amateur answers. He then, desperately, tries to save face by Googling up Estate Freeze before realizing he just shot himself in the foot again.
a1prime1 2 months ago
This has been flagged as spam show
The trash value troll defends, as a good policy & great investment, a whole life policy that gave the woman who owned it a “return” of NEGATIVE 46% after 19 years. He continually ignores the fact that the only way this woman can get these “savings” is to take out a policy loan (@6%-8% revolving interest) or to surrender the (permanent?) policy. He states a bunch of crap that easily be disproved by going through ANY whole life policy.
a1prime1 2 months ago
This has been flagged as spam show
The troll has to resort to the use of multiple aliases, identity theft, & spamming other users’ comments (censorship), & making crude comments. He doesn’t have an argument to state, for him this is an ongoing, desperate, pathetic, plea, for attention coming from a failure & fraud who couldn’t make it in the industry.
a1prime1 2 months ago
This has been flagged as spam show
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
a1prime1 2 months ago
This has been flagged as spam show
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), & several other names that haven’t been seen since Google made users associate a phone # with their accounts, can’t attack Primerica or defend the trash value industry with out resorting to idiotic lies, spamming other users comments, using multiple aliases, & generally making a total fool of himself.
a1prime1 2 months ago
This has been flagged as spam show
Here are a few of the comments that the trash value troll likes to spam the most:
a1prime1 2 months ago
This has been flagged as spam show
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth. Notice how he keeps spamming this comment.
a1prime1 2 months ago
This has been flagged as spam show
The troll uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value troll who‘s claiming I‘m imitating him, It shows that he joined on August 31st 2011. I‘ve had this profile over 6 months before him, yet he claims I‘m imitating him. This is what he considers truth.
a1prime1 2 months ago
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P - Pyramid Propagators
R - Retarded Reunion
I - Insidious Insects
M - Masturbating Man Milk Maniacs
E - Egregiously Entrap Elders
R - Racist Rectum Rebels
I - Imbicilic Illiterates
C - Cancerous Cacophony
A - Apathetic Absolute Alienation
jgiIles85 2 months ago
@insurancemike10 You said you were a former Primerica Rep yet couldn’t explain how a SMART loan works? Claiming to know how the rich operate, when I give you a question you should have been able to answer immediately, spend days spamming my questions & giving amateur answers. You’ve shown repeatedly that your clueless when it comes to financial services so you resort to identity theft, multiple aliases, & spamming comments. You’re a fraud & a failure. All you have left is being a troll.
a1prime1 2 months ago
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The troll resorts to imitating my YT name - note how he uses a lower case “L” instead of a 1 (one) & that his profile states he joined on August 31, 2011, while I joined on February 17, 2011 (more than 6 months before him.) Hmm, sounds like his lies concerning whole life. Anyone with a policy can see the truth for themselves, yet he thinks he can lie his way past that - that’s why these clowns stopped coming out on agent confrontations years ago.
a1prime1 2 months ago
What a tool this guy is. Anyone who knows a thing about Primerica knows they should have NO product called Smart!!! We know primerica preys on the lower income families, why is that? See they are afraid of the educated and hence why I've been schooling them!!!
aIprime1 2 months ago
@aIprime1 the only school you go to is school for the blind.
owenbuca 2 months ago
@aIprime1 ROFLMAO! Are you seriously this retarded troll. That’s your answer to how a SMART loan works, to deny it’s existence. Holy crap are you ever lame, troll. You make all these claims about whole life that can easily be proven false by going through ANY whole life policy (that’s why they’re so easy to replace.) You continually make idiotic statements about Primerica’s term that can be easily disproved by anyone who owns one (like mine.) Damn you’re stupid, troll.
a1prime1 2 months ago
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P - Pyramid Propagators
R - Retarded Reunion
I - Insidious Insects
M - Masturbating Man Milk Maniacs
E - Egregiously Entrap Elders
R - Racist Rectum Rebels
I - Imbicilic Illiterates
C - Cancerous Cacophony
A - Apathetic Absolute Alienation
jgiIles85 3 months ago
This has been flagged as spam show
P - Pyramid Propagators
R - Retarded Reunion
I - Insidious Insects
M - Masturbating Man Milk Maniacs
E - Egregiously Entrap Elders
R - Racist Rectum Rebels
I - Imbicilic Illiterates
C - Cancerous Cacophony
A - Apathetic Absolute Alienation
jgiIles85 3 months ago
a1douchebagPrime HAHAHAH look at you writing to all the guys you know to be suspects. HAHAHA your actions are so transparent! You think we won't be able to figure out you're trying to identify us? Really? Are you this stupid?
Your actions are so telegraphed it's not even funny. Douchebag, you will NEVER figure us out. MOO HOO AHAHAHAHAHAAH
jgiIles85 3 months ago
@insurancemike10 You said you were a former Primerica Rep yet couldn’t explain how a SMART loan works? Claiming to know how the rich operate, when I give you a question you should have been able to answer immediately, spend days spamming my questions & giving armature answers. You’ve shown repeatedly that your clueless when it comes to financial services so you resort to identity theft, multiple aliases, & spamming comments. You’re a fraud & a failure. All you have left is being a troll.
a1prime1 3 months ago
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@jgiIles85 " figure us out " dude seek some help, you are all the same person you tool.
owenbuca 3 months ago
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WARNING EVERYONE:
jgilles85 is an ex-primerican that got fired for screwing his customer, now he is a whole life insurance agent, i have been tracking him down through many blogs, check any blog that talks about TERM INSURANCE and you'll see, everyone please DON'T WAIST YOUR TIME WITH HIM.
acumedcorp 3 months ago
Of course the trash value troll doesn’t want to discuss this. How about the all too common practice of these “highly trained professionals” putting universal life policies on children and then telling the parents that they’re education funds? How about the “expert analysis” they do that results in as much or more trash value insurance being placed on the children as is placed on the parents? These are common practices we come across every day throughout North America.
a1prime1 3 months ago
She’d have to surrender the trash value policy in order to get her $22,000 from it (permanent insurance?) Wow, a NEGATIVE 46% return that’s tax free and bypasses probate. The trash value troll would prefer that you don’t go by the actual policies or actual results. When your actual return is NEGATIVE 46% you’re supposed to ignore that & believe that it’s really 5%. Given his emotional instability, dishonesty, & incompetence why would anyone believe anything he has to say?
a1prime1 3 months ago
Our trash value troll defended the following as a good policy & wise investment: Trash value insurance with $225,000 face value at $245/month (it’ll never be a paid up policy, she’ll pay this as long as she owns it, assuming it isn‘t cancelled.) In 19 years it’s built up a cash value of $22,000. Wow! A 30 year term for $250,000 would have cost her about $65/month leaving her with $180/month. In 19 years @ 0% interest she’d have $41,040. The trash value policy gave her a return of NEGATIVE 46%.
a1prime1 3 months ago
There's nothing better than Whole life
Termisexpensive 3 months ago
@Termisexpensive no dividends are being distributed in trash value policies because of low interest rates, so that means policy holders will not get back some of the overcharges that they have been paying for. WHOLE LIFE IS NOTHING BUT TRASH !!!!!!
jerkilles95 3 months ago
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@jerkilles95 spread the word ! It was in the WALL STREET journal, so it must be true.
owenbuca 3 months ago
I love Whole Life - it's the best
Termisexpensive 3 months ago
Plus if I get sick or disabled the company pays my premiums and I still have access to the cash as if I were making the payments
Termisexpensive 3 months ago
@Termisexpensive You keep spamming my question troll, people are going to see what a gutless coward you are. I’m not asking for a 1600 page dissertation troll. You’ve said Primerica reps are “unqualified part-timers”. I can give you the short answer to this in 10 words or less. I could expand it in a single comment. Show us how qualified you are. You claim to know how the rich operate. Why do the rich appear to pay no taxes? How do they do this? (Hint - you won’t find the answer on Wikipedia.)
a1prime1 3 months ago
@a1prime1 googled "who pays income tax in the US" and it's clear - in fact the Top 1% pay over a 1/3 of ALL taxes collected - Hmmmm - maybe these morons should crawl into a hole!!!
Termisexpensive 3 months ago
@Termisexpensive It took you all weekend to Google that? Maybe you didn’t understand the question, troll. You claim to know how the rich operate. How is it that they APEAR to pay no taxes. How does this happen? If you had the slightest clue what the answer is you’d have said so right away instead of spending the weekend spamming comments. Care to take another shot?
a1prime1 3 months ago
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@Termisexpensive It took you all weekend to Google that? Maybe you didn’t understand the question, troll. You claim to know how the rich operate. How is it that they APEAR to pay no taxes. How does this happen? If you had the slightest clue what the answer is you’d have said so right away instead of spending the weekend spamming comments. Care to take another shot? BTW, I’m not aligning with anyone, retard. Spamming this comment proves what and incompetent, gutless, coward you are.
a1prime1 3 months ago
@SuperLifeguy You said you were a former Primerica Rep yet couldn’t explain how a SMART loan works? Claiming to know how the rich operate, when I give you a question you should have been able to answer immediately, spend days spamming my questions & giving armature answers. You’ve shown repeatedly that your clueless when it comes to financial services so you resort to identity theft, multiple aliases, & spamming comments. You’re a fraud & a failure. All you have left is being a troll.
a1prime1 3 months ago
And all the cash grows tax free and is accessed tax free
Termisexpensive 3 months ago
Dividends that grow my cash and death benefits
Termisexpensive 3 months ago
The guarantee of cash value so I can never lose money
Termisexpensive 3 months ago
The guarantee of premium no matter my health
Termisexpensive 3 months ago
I love the guaranteed of death benefit for my entire life
Termisexpensive 3 months ago
Whole life is great, it's the best.
Termisexpensive 3 months ago
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He won't debate you because he knows he has no facts to base his arguements on. I'm sure he's about 3 weeks from being out of the business. He can't be making a living with the time he's spends on these sites. That and the time he spends creating false IDs and trying to impersonate good people like me.
aIprime1 4 months ago
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@aIprime1 I’m asking it on 8 other sites & you keep spamming the question. Why is that troll? Why are you playing these games? Why do you throw in your own comment & spam that too? Is it so you can play victim? If you have time to do all this crap, troll, you have time to answer the question.
a1prime1 3 months ago
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Question: why would anyone want to Buy Term Invest the Difference with Primericrap? Their term insurance is the most expensive in the industry, and the coverage sucks balls. Why not work with a REAL insurance company who will give you rock bottom term rates and invest the EVEN GREATER difference?
a1douchebagprime has no answer to this basic question. What is he trying to hide?
jgiIles85 4 months ago
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@jgiIles85 You must have accidentally spammed my question troll. Second chance. Since you seem to believe you know how the rich operate, you should have no challenge answering the following; One of the many complaints coming from the occupy Wall Street protesters was that the rich don’t pay taxes. Why do the rich appear to pay no taxes?
a1prime1 3 months ago
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As a former Primerican and can tell you it's fact - they have the MOST expensive term life in the industry and they charge the HIGHEST allowable commission on their high fee mutual funds. Plus they use UNISEX rates which in their case results in NO premium relief for males and absolutely crushes the female rate. And their 30 year is ONLY guaranteed 20 years with a waiver that costs 15% of base premium, while ind. ave. is 3%. Criminal
aIprime1 4 months ago
Notice what the trash value agent’s avoiding talking about? He defended this policy. This woman got screwed over by some scumbag like him. Gee, why doesn’t he want to discuss it?
a1prime1 4 months ago
Let’s look at the average annualized returns for the last 30 years (including the recent period of market volatility): A good Equity Mutual Fund - about 12%, An aggressive Portfolio Fund - about 11%, A Conservative Fund - about 10%, S&P 500 Index Fund - about 9 ½%. You want an iron clad guarantee? If you get to retirement with only $22,000, you aren’t retiring.
a1prime1 4 months ago
A 30 year term for $250,000 would have cost her about $55 to $75 / month. Lets say $65 (still more than I would quote but let’s make this as fair as possible.) This would leave her with $180 / month to invest. At 7.1% interest she would have over $225,000. If she got 10% she could get there in about 24 years and cancel the policy. I can hear the troll now: “0% returns are far too risky, she need’s the negative returns that a trash value policy will guarantee.”
a1prime1 4 months ago
Our trash value troll considers the following to be a good policy and wise investment: Trash value life insurance with $225,000 face value at $245 / month (at this price it will never be a paid up policy - she’ll pay this as long as she owns it, assuming it isn‘t cancelled.) After 19 years it’s built up a cash value of $22,000. $96.50 / month invested at 0% (zero) interest will give you $22,000 in 19 years. At 4% interest she would have to pay $64.36 / month.
a1prime1 4 months ago
As anyone can plainly see, trash value agents can’t sell their garbage without lying to the consumer. They can’t defend their policies and practices without lies. They can’t attack Primerica without lying. They come on YT and have to resort to impersonating other people & using multiple aliases because they have no morals or values and know it. Oh, but just because they’ve lied to everyone 10,000 times doesn’t mean they’re going to lie on the 10,001st time - does it?
a1prime1 5 months ago
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Buy Term and LOSE the Difference is more like it!!! WHOLE LIFE = no market risk? 5% return? tax deferred build up? tax free withdrawal? Zero net cost loans? Self completes if you become disabled? Lawsuit and creditor protected in 43 states? tax free death benefit? No 591/2 rule on distributions? No RMDs? No contribution limits? And people say this is a bad product? Really? The truth be told it very well may be the best financial product you can own!!!
aIprime1 5 months ago
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@aIprime1 I’m asking it on 8 other sites & you keep spamming the question. Why is that troll? Why are you playing these games? Why do you throw in your own comment & spam that too? Is it so you can play victim? If you have time to do all this crap, troll, you have time to answer the question.
a1prime1 3 months ago
Check out my profile and note that it shows that I joined YT on February 17th, 2011. Now check out the profile of the trash value agent who‘s claiming I‘m imitating him (until he figures out that he goofed up again and decides to hide it.) It shows that he joined on August 31st 2011. I‘ve had this profile over 8 months before him, yet he claims I‘m imitating him. Another example of the level of honesty and integrity in the pathetic trash value industry.
a1prime1 5 months ago
no market risk? 5% return? tax deferred build up? tax free withdrawal? Zero net cost loans? Self completes if you become disabled? Lawsuit and creditor protected in 43 states? tax free death benefit? No 591/2 rule on distributions? No RMDs? No contribution limits? And people say this is a bad product? Really? The truth be told it very well may be the best financial product you can own!!!
aIprime1 5 months ago
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no market risk? 5% return? tax deferred build up? tax free withdrawal? Zero net cost loans? Self completes if you become disabled? Lawsuit and creditor protected in 43 states? tax free death benefit? No 591/2 rule on distributions? No RMDs? No contribution limits? And people say this is a bad product? Really? The truth be told it very well may be the best financial product you can own!!!
aIprime1 5 months ago
Why is this idiot continuing to impersonate me? Notice you he use the number "1" instead of the "I" that I've been using for years? What a toolbag.
aIprime1 5 months ago
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@aIprime1 Troll, you state that people should think like the rich in regards to their finances. Since you seem to believe you know how the rich operate, you should have no challenge answering the following; One of the many complaints coming from the occupy Wall Street protesters was that the rich don’t pay taxes. Why do the rich appear to pay no taxes?
a1prime1 3 months ago
They can’t sell their garbage without lying to the consumer. They can’t defend their policies and practices without lies. They can’t attack Primerica without lying. They come on YT and have to resort to impersonating other people because they have no morals or values and know it. Oh, but just because they’ve lied to everyone 10,000 times doesn’t mean they’re going to lie on the 10,001st time - does it?
a1prime1 5 months ago
Notice the level of integrity displayed by trash value insurance agents. This clown uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Why? Because these trash value insurance agents use the same level of integrity on YT that they do with the public. This is why they have so many complaints and lawsuits launched against them. He can’t defend trash value policies or the practices of trash value agents, so he resorts to this. Typical trash value agent.
a1prime1 5 months ago
Why do you continue to impersonate me? And why are you on these insurance stations so much? Do you have a life? I think not
aIprime1 5 months ago
@aIprime1 yor mama so horny, she has specials on tuesdays. 5 for 1 days .
jerkilles95 5 months ago
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@jerkilles95 And yo mama's got 2 Dollar Tuesdays. You know, she looks like something from the Colonel, except her breasts are picked clean, and she ain't got no legs.
Primericans minions are all suckers. They don't even earn renewal commissions until they're District Leader!!! What a cruel way to treat their reps. They also happen to have the worst products in existence, so they end up shafting anyone they come into contact with, much like, well, a plague.
jgiIles85 5 months ago
@jgiIles85 fyi moron, If you are a district and getting "renewals" you been around the block for 20 years lol. Hey jgilles why don't you actually think of material on your own? You keep screwing up and posting stuff your other IDS have post before lol. Although since you have 4 other accounts...
jerkilles95 5 months ago
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@jgiIles85 What's the matter bitch? You don't want to discuss the policy? You said it was a good policy. You trashed Suze Orman. What's your background, loser? What companies did you run? (Other than your own, which you ran into the ground.) What's the matter, couldn't you find anyone who'd go into business with a disaster like yourself? You must have told them you're views on market returns. Did they run out on you at that point, moron?
a1prime1 4 months ago
I specifically chose the name I’m using because I was well aware of the practice used by trash value crooks of impersonating other YT users, then claiming that they were the ones being ripped-off. I knew our little YT trash value troll would come after me eventually - who else is this consistently stupid? - I’m just surprised it took him so long. About ½ or more of the trash value crooks on these sites are him using various profiles. Typical trash value con artist.
a1prime1 5 months ago
Oh, but just because they’ve lied to everyone 10,000 times doesn’t mean they’re going to lie on the 10,001st time - does it?
a1prime1 5 months ago
Our trash value YT troll is a perfect example of what that industry does to the suckers that get involved with them. His family has disowned him. His friends have deserted him. He spends every moment of his free time trolling the net because he has no life. He also has no integrity. He tries to pass himself off as other people because he can’t defend the things he’s done, and others still do. He thinks he’s clever but he merely shows what a lying, angry, bitter, little coward he really is.
a1prime1 5 months ago
About a year ago Primerica had the most successful Initial Public Offering the New York Stock Exchange had seen in a decade. This happened during a down market. Companies spent millions of dollars researching us before getting involved. Primerica is seen as the company that’s set to dominate the financial service industry. That’s real credibility. Something that continually escapes the trash value YT troll. He can’t identify what he doesn’t have.
a1prime1 5 months ago
Things aren’t going to get any better for them either. When Primerica began there were about 3000 trash value companies in North America. Today there are about 990. The only way they can grow is through acquisitions and mergers. They can’t replace the agents that are retiring (you may have heard of the greying of the industry). The average retention rate of new trash value agents is less than 48 months. Only the diehard crooks will stay on with them.
a1prime1 5 months ago
At one time, when we replaced a trash value policy, the crook who sold it would come out to an agent confrontation in front of the client. They would try to talk over everyone’s head and overwhelm the client with a bunch of garbage. The only thing the client was interested in was why they had been lied to by these crooks. Trash value agents don’t have the backbone to come out to agent confrontations anymore. They hide in their offices and troll the net. Cowards.
a1prime1 5 months ago
Often we find as much or more trash value on the children as on the parents. Why? Because once the trash value agent screws the parents out of as much money as they can, they start working them over to cover their children (this is the sort of thing that passes for estate planning with trash value agents). If that doesn’t work, they put universal life coverage on the children and tell the parents that they’re education funds. This practice is commonplace.
a1prime1 5 months ago
How do these trash value agents and their companies treat their clients?; By cancelling the policies on seniors for no reason (wonder if they sold it to them as “permanent” insurance?); By underselling the need for insurance to families, knowing that they could never afford to get the coverage they needed using “permanent” insurance garbage. If someone dies the family is devastated financially as well as emotionally, not that it matters to these crooks.
a1prime1 5 months ago
What passes for ethics among trash value agents? After 911 Primerica paid out all death claims immediately. The trash value companies, like the one our lying YT troll represented, claimed that the war on terrorism or cases where there was no body (having been vaporized) meant they didn’t have to pay. They dragged the victims families through the courts for years. That’s what passes for integrity in the trash value industry.
a1prime1 5 months ago
Notice the level of integrity displayed by trash value insurance agents. This clown uses a lower case “L” in his user name instead of a 1 (one) so he can impersonate me. Why? Because these trash value insurance agents use the same level of integrity on YT that they do with the public. This is why they have so many complaints and lawsuits launched against them. He can’t defend trash value policies or the practices of trash value agents, so he resorts to this. Typical trash value agent.
a1prime1 5 months ago
I've been told that permanent life insurance can do many things for people such as the following: Provide guaranteed death benefit for life, provide tax deferred build up of cash value and tax free access, provide a guaranteed return with no market risk, provide funds to "self complete" in event of sickness or disability, provdie tax free money for chronic illiness and terminal illness, provide tax free death benefit, no penalty for access prior to 591/2, no contribution limits, no income limits
aIprime1 6 months ago
Buy a convertable level term. If you when your at the end of the policy and you want to convert some into say a single premium whole life policy with some of the investment money you have made to increase estate without increase your tax liablities then there ya go, no health questions to worry about.WL isn't an investment for you to become wealthy. Its usefulness is seen as a estate planning tool.
1jks 6 months ago
PRIMERICA is the ONLY life insurance company that ONLY sells term!! Buy term invest the difference is the wise mans way to go!! On top of that we sell the longest term insurance in the industry which is 35 years!! Good luck buying trash value insurance!!! You dont make money first five years (surrender charge), the money you use after 5 years will be given to you as a loan 6%-12% interest annually, and if you die depending on the policy, you dont get the money in the acc you accumaleted!! :((((
GEVO111 6 months ago
@GEVO111 But your term is the highest premium in the industry and you use unisex rates as I know having sold this garbage for 3 years. Loan rates on WL and UL are at either zero net cost or at the most 1% - why do you lie so much? PS - with a WL you'll have an increase in your GUARANTEED cash value greater than your annual premium by year 3 to 5 depending on age and risk class - so basically you pay out of pocket for 2 to 4 years. Why do you lie so much?
aIprime1 6 months ago
what are dividends in a life policy? I believe they are over payments the insurance company charges me and maybe paid back...at zero percent.And why would I want 3-4 % on my money when the actual returns have been 14.8% over 20 years.And why not for the same money have 5-6 times the amount of coverage with a term policy? And why would i want a trash value policy that keeps my savings?
probslpwtyormama 7 months ago