this is because you have no motivation....you want a JOB.....just over broke......you dont get paid for recruiting...you get paid on the results of those who come into business with you who sell products to their clients....network marketing is legit...the corporate world is a pyramid btw...you are at the bottom and want to move up....tsk tsk tsk
HA HA! Thats so true, right now Im filling out a "special" PFS replacement form becuz they want to know what former agent taking there biz, becuz of the "CONTRACT" any biz I replace I have to fill out a PFS form along with the basic one thats required by law. What BS but it does not matter its thier loss my gain!
Jgiles, about the largest salesforce for a independent financial company. You have to remember 95% of Primerica representatives quit before they even start. The only way to fail at Primerica is to quit working. 90% of new businesses fail. By the way 100% of Primerica's products reach the consumer.....? You do not receive pay to recruit. Could a pyramid scheme really be listed on the NYSE? I don't understand your argument.
@Paulywantstokill Take a look at your existing block of business. Calculate how much residual income you earn each year. Now ask yourself, how much would you pay for that income stream? Answer: probably not much. But that's what you'll be able to sell it for to another Primericrap agent. How about passing it down to another family member? "Passing down" is just another way of saying "sell" or "sell at no cost", and this changes nothing about the previous point.
@Paulywantstokill Your point about 95% of Primerica representatives quitting before they start is only something that's told to you by your superiors. Pauly, people do not go through all that licensing so that they can quit. They DO try, but quickly find out how difficult the business can be. They try, but fail b/c they simply can't find enough people to help them.
This is typical of your superiors. They'll discredit anyone who puts a bad impression onto the company. Cont'd...
@Paulywantstokill Says your PFS superiors, "99% failure rate? That's b/c those 99% suck. They failed to succeed b/c they failed to learn. They failed to plan. They didn't try hard enough. They gave up before they tried. Blah blah blah..."
This is a tactic employed only by cults. Turn the hopefuls against the people have bad stuff to say.
In the end, you are NOT running your own business at PFS bc you can't take your clients outside the company. Plain and simple.
jgiles, not true. There are 3 levels of ownership of the business, all of which involves being able to pass the business along to your family, or even sell the business. Not to mention you receive residual income on a quarterly basis.
@Paulywantstokill Yes, of course you can pass on the business to your family, or sell the business, but you must sell to a willing Primericrap agent! And guess what? No one's buying. Know why? Because life renewal commissions are not paid on your block of business until you are Regional Leader or higher. You see, the value of your business block is based on the residuals it generates. The only residuals you'll earn until then are investment trailers only! Here's a good exercise: Cont'd...
Thats true READ THAT CONTRACT! I don't think 95% of those in PFS read it if not more. If they did they would see how one sided it is in the company's favor, not even the clients favor.
@Paulywantstokill Now onto your statement about six and seven figure earners. Did you know Primerica also has the largest salesforce in North America, too? Translation: it's all relative.
Here we have the eiptome of PrimeriLogic. Everything is true and yet nothing is true. So how about I use your own logic against you in the following way:
If China, the country with the largest population in the world, has the most millionaires in the world, does this mean China is rich?
@Paulywantstokill You think I don't want to understand Primerica. It is irrelevant what I want. What matters is that I DO understand Primerica, and I'll bet I have a better understanding than you do. If you understood what is really happening at Primerica, you'd quit in a heart beat.
All I can say is: READ YOUR CONTRACT. Therein, you'll find that your clients are NOT yours. That is, not until you make it to NSD. Also, Primerica keeps your renewals! That is, until you are Regional Leader.
jgiles85, I used to work for Wells Fargo Financial as "management". I made $50k a year, but I made $300k for Wells Fargo....talk about a "pyramid". The definition of a pyramid is where the money in a business is made strictly on recruiting without any product or service. I don't think you understand, but then again, I don't think you want to understand.
@Paulywantstokill Actually, I understand the meaning of pyramid scheme perfectly, and am aware that there is more than one definition. The FTC draws a distinct line in the sand to distinguish MLMs from pyramid schemes, namely the 90% Rule. This rule states that effectively all (meaning 90%) of all sales must reach an end consumer (definied as a consumer who is not also a Distributor). Primerica does not even come close to meeting this definition.
@Paulywantstokill Actually, I understand the meaning of pyramid scheme perfectly, and am aware that there is more than one definition. The FTC draws a distinct line in the sand to distinguish MLMs from pyramid schemes, namely the 90% Rule. This rule states that effectively all (meaning 90%) of all sales must reach an end consumer (definied as a consumer who is not also a Distributor). Primerica does not even come close to meeting this definition.
@Paulywantstokill Are you aware of what a salary is from the perspective of the company (Wells Fargo in your case)? It's a way to limit their expenses. Before the company hires you they want to make sure that your contribution to the bottom line will exceed what they are paying you. This is the basics of business - pay to get paid. Now, please explain how this has anything to do with pyramid schemes. LOL
Was just reading jgilles85 posts , he is now saying he is a pfs agent? This guy is a complete idiot all he does is post about whole life being good. He is a manic depressive moron.
As I have been saying as a former whole life agent I am sorry for my stupid post as Termisexpensive, I didn't know I was wrong , however that doesn't excuse me for acting like a child.Maybe someday jgilles85 will grow a set of balls and admit to being a useless fool.
@mimric: I'm not gonna be th PFS agent that is rude to you. However I will say that I find it extremely difficult to believe that anyone could stay part time for over 21 years. And then especially go Full Time else where in 4 months. Sounds like a bull shit story.
@mimric: Oh ok. The way you wrote 21/2 years caused me to think you meant 21 and 1/2 years. lol. I was reading it like how the hell can anyone stay PT for over 21 years? No problem.
Companies that sell whole life are in a negative cash situation because of low interest rates and a very poor investment choices inside the Whole life policies, there are reports of NO DIVIDENDS ( which is actually the clients own money being refunded ) BE GIVEN TO POLICY HOLDERS.
Let's examine some facts - term ins. is by far the most profitable product for the insurance carrier - why? because 98% of policies NEVER result in a claim. Knowing this information let's also point out the Primerica has about the highest term rates in the business - PLUS they use unisex rates so if you are a female you really get crushed. - So they sell overpriced term, term is the most profitable, = high profits to build stock price and pay upline managers!!!!
The quality of the comments below tells us the exact mental capacity of the typical Primerica agent!!! Take Ownedpuca" for example - he's about the biggest tool online.
@mimric Capital Choice is a much better company than Primerica, I'll definitely give you that. The main reason is that Primerica has FAR inferior products to virtually every other company, Capital Choice included.
Primerica also sucks in other ways too, like the fact that to become a RVP you must give up your best leg. Like, WTF right? So gay, indeed.
Every Primerican should just jump ship and join Capital Choice instead.
@jgiIles85: If I find out that Capital Choice really is better then Primerica then I won't lie. Hell maybe I would even jump ship as well. Although you are still a liar and a crook that no one can trust.
@mimric Yep, I looked into it more. And now I can say for certain, Primerica sucks balls. Capital Choice is a much better company and quite frankly I'm thinking about taking my entire downline network over there.
The other thing is my baseshop sucks balls. I hate everyone in that back-stabbing garage outfit.
@jgiIles85 lol " your entire downline " LOL omg you are funny, dude you live at your mom's and your downline is a cat lol. I remember when you were being bullied,you shook your little fist and proclaimed you would " get them all" boy you were an idiot.
don't you mean $350 and PFS policy not much better than the cash value. So I'll be replacing it soon. Just because you beat your meat does not mean everyone else does.
@owenbuca when are you gonna make a comment that makes since? and whats with all the hostility anyway, are you insecure? were you molested as a child? they say that causes that you know, maybe you need to talk to someone about that. I also noticed you use a lot of profanity, just to let you in on a secret it does not make you cool, a person curses because they don't have the words to say whats on their mind. You might want to pick up reading more so you can improve your vocabulary.
look here lil boy, why don't u & your throat buddy stop trying to play biz owner & catch a clue. U guys can't be more than 18 you don't know your product, you don't know your company when your called on it all the 2 of you do is try to insult & you don't even do that good. you guys completely dodge the issues like true fox news watchers, don't even know how to have a serious discussion. U are losers with nothing to do, no purpose get off your mothers breast, grow up, well owack raised his self.
Well how many mistakes are you gonna put in your post, I've seen plenty from you & owack Im just intelligent enough to know what you are trying to say, whats wrong with you? By the way how can I hope on the border? Idiot. like i said if you can't answer the question just say so, go read the wack PFS policy to gain an understanding of it, go read Art's books to know how the company came about. I have another for you whats car read or write? Like I said, Pharisee, if u even know what that means.
@owenbuca You are as dumb as you sound, you don't know that people spell words diferently for space saving and you troll youtube looking for people to antagonise. Hey every1, thats the shorter version of everyone owack, owack found my comment on a wrestling video than tried to be sarcastic about me watching it BUT what the heck were you doin watching the same video idiot? You are so stupid its mind boggling. you raised yourself didn't you thats the only thing I can come up with. Abandonment.
@mimric " as you sound " Hmm just so we are clear, that is not me on the phone when you call the sex lines. So how do you know what I sound like ? Your stupid ass comments are all over childish sites.
@owenbuca I guess you are running out of comments because that was just as dumb as the rest of your post. Aviodance of the issue as usual, why don't you just give it up, you are looking real bad right now. no one is taking you serious your comments are EXTREMELY childish & you have not answered any question so whats your point besides foolishness?
Well isn't that the pot calling the kettle black, anyway answer the questions what do you have to hide, like I said you can't justify it & every1 sees it. U quick to tell sum1 else to answer a question but you won't do it yourself, Pharisee.
@mimric until you actually use proper English so I can understand what you are asking I will not respond to you. When you hoped the border did you have to give your " handlers" blowjobs?
@jerkilles95 HAHAHAHAHHAAH you Primericrap dweebs are the dumbest pieces of horse shit I've ever seen! Says mega douchebag, "is Elmo the level you car read and write at ? your spelling is that of a 12 year old"
Douchebag, did you skip kindergarten? Do you know how to spell the word "can"? Just take it slow. Breathe deeply. You can do it. I believe in you.
@jerkilles95 if you don't know what that means you are as dumb as you PFS throat buddy. Stop trying to run with the grown ups & keep running with the kids, stay in your lane.
@owenbuca i can tell you don't do any business because you have to much time on your hands, if you have time to think about that you are sitting around with no downline to train & no clients to go see. I have you beat once again.
Oh in case you guys don't know or you don't want to accept it out of shame PFS IS MLM dummies, they say it themselves go read a book sometimes. You know nothing of the company you fail to defend so much, know nothing of the history, do you even know who Sandy Weill is, Hubert Humphrey maybe? Oh I get you don't even know who Art Williams is! I understand, go brush up and let the expirienced grown folks do our job of helping families. Say hello to Elmo for me.
I Know why u won't answer questions, u can't, u have have no clue why PFS policies are more expensive, only offers 20/30, why only 60% TIB, wont insure over 75, won't guarantee a rate after the term is up, why $200 plus interest to accelerate, why if declined client sol, why no settlement option, why no 1035 exchange to help with premium, why only renewable to 95, why you have to take paramed if you recently had one. Answer those we can talk.
When are you guys gonna talk about something important & CC is not an insurance company so know your facts before you speak lies as usual. Also when you gonna answer the question & stop flapping off at the jaws?
Thats why you 2 are in the Jerk category listening 2 people who are clueless, I bet you 2 think Indians were not here first & they deserves 2 get all but eliminated. Do you believe hitler tried to destroy the jews or not? What about the slave tried, all that was made up wasn't it? Thats what you sound like anything or one against pfs has to be the bad guy.
u guys are funny, best buds with china how bout that. oh and you can stop all the make believe stories nobady is buying it. Also I can pull real lawsuits on PFS so lets not go there. Not agaisnt ALW's but PFS. Dick Kinnard was with Art since the beginning after Sandiy Weil took over not only did Art get the boot, although they did pay him for 20yrs, a lot of his people also were pushed aside, not for lack of skills but greed. Know your history stop listening to Jerks who don't know anything.
@jgiIles85 hey fuck face, just giving you heads up, your mom is at my front door again. Please tell that bitch she can only suck my balls when I call her. thx
Ok, you can enjoy your fantasy of you winning, that you got the upper hand, but any1 viewing this can see you answered NO questions just insulted. Every1 else addressed the issue at hand and showed you and the others up. you presented no facts, NOTHING just ran your mouth. Then when you "tried" to corner you got shot down by who else me, but I'll let you enjoy your fantasy, its ok, sumtimes parents have to bend a little to satisfy there children. Enjoy! Oh just 2 remind u I'm with Dick Kinnard
Stiil have not addressed the other questions but you also insist on asking question, I told you to look back @ the post you will get your answer. You answer the questions I asked I'll answer more questions until then please, I'll just keep mentioning the facts that you keep failing to address.
You are SOOOO funny, ok maybe you want to shovel my crap after I tell you, wait for it, you are DUNB again Primericrap, I'll borrow that for this 1, rips off again PFS TIB, since you want to go there, CHARGES $200 ADMIN FEE PLUS INTEREST WHATEVER THE WALLSTREET JOURNAL SETS OUT! IDIOT!
What to ashamed to say its not 100% like my company, plus thats just one aspect of the questions what about the rest of the crap PFS policy so called benefits I mentioned. Hey did you go back & find who I represent? Its there if you really want to know, we talked about it a little while ago.
Ok lets get to the facts racist, I hope your immigrant buddies in PFS don't find out how you really feel about them. Its 3 things going on here 1. I'm not wrong 2. when I left it was 40% with talk of going 60% just June of 2010 when I left it had not changed yet 3. I speak with my former uplines regularly becuz they are frinds of mine & as of July 2011 when we talked about it it was 60%. So you jerks are lying or PFS just catching up with the rest of the world, but u never said how much.
@jerkilles95 You're a moron. Look you racist SOB, black people are NOT inferior. Do you drive around with a triangular pillow case over your head? You holier than thou bastards are the worst kind. Is that why you all flock to Primericrap, b/c no one else will accept you?
And btw, Hispanics are awesome people. You should shut the fuck up about them. Is racism what you learn at Primericrap?
My friend told me Primericrap in fact FOSTERS racism. Is this true?
You guys sound like typical GOP scam artist & I'm not political @ all. If you want to know who I represent go look @ the prior post & find out its already been established but like a GOP u want to spin the facts to avoid the facts. Now many on here have already answered you guys dumb questions answer ours. If you can't defend your postion just say so, I presented facts, I forgot one ?, why is the TIB only 60%?
@owenbuca You're a moron. What do you have against immigrants? Look you racist SOB, black people are NOT inferior. Do you drive around with a triangular pillow case over your head? You holier than thou bastards are the worst kind. Is that why you all flock to Primericrap, b/c no one else will accept you?
And btw, Hispanics are awesome people. You should shut the fuck up about them. Is racism what you learn at Primericrap?
My friend told me Primericrap in fact FOSTERS racism. Is this true?
@jgiIles85 uh oh jgilles85 is mad, maybe cause the truth hurts, are you going to turn green ( like your sad little excuse for a dick) are you crying Mimric HA HA LOL
What if client just had a paramed with another company? Can a guaranteed rate be secured after the term is up based upon initial paramed? What if client can't afford rate after term? I already know the answers.
@mimric I have a question. It seams Owen is correct, you have chosen to make statements yet not back anything up with facts. You have shown a true lack of intelligence by not giving a complete and truthful response to a simple question. It also shows you are hiding something and it is evident you have no confidence in your company.
So not only are you an idiot, you are an idiot racist, I hope your Hatian PFS buddies don't find out. You sound stupid once again, I'm not Hatian or Mexican or Europen etc. Now back to the point which you luv 2 avoid, I will tell you the company if you answer the questions asked, I have answered all your dumb ?s. What do u do when a client is declined? What happens once the term is up? What if a client can't afford what they need? What happens at death, how is money dispersed?
@mimric I wonder what you are trying to hide? is the company you work for really that bad you don't want to disclose who it is for fear of being oust as a liar ?
@mimric only a scared chicken shit would avoid the simple questions. You see I call on your bullshit claims of giving 700k and not telling us who you get this policy from, is that because you are in fact LYING or are you afraid I will prove you wrong?
I give my clients what they need 100% of the time with the settlement option signed & attached, we work on investments on the next appt. The average household needs @ least $700k in coverage, PFS average in coverage is half that how in world can you say you are doin whats right. Do you even know whats a settlement option? Don't lie about the facts 7 don't give that lame reason we don't compete with price we compete with quality, if the clients are not getting what they need its not quality.
@mimric Bock bock bock bock, thats the sound of a chicken shit ( which is you ) you spew garbage claims, name the company you work for aka rip people off.
@mimric LOL "clients" lol Omg that is funny. you don't have clients you moron, you have former clients but since you do not work for anyone you are an unemployed bum, that was fired for not passing an exam.
You did not answer the question you avoided like a typical loser politician, you think its stupid becuz you can't compete with it. If you do a dime on sum1, do u know what that is, & the family needs $800k on the wife & the husband & they cannot afford the coverage what do PFS do they lower the death benefit & say we will give you our IBR which is an inflation buster & over time you will have what you need, BS what happens if sum1 dies 2morrow, how did you help?
look at this fool moronic , I clearly state you can not compare prices of shit policies with the far better products. It shows that only a complete moron would also do the same with investments. This fool will not even come out of the closet and mention whom he works for. ( I guess that's because he is scared )
Listen if you can't answer the question why don't you just say so, and for the record I write investments but I guess you did not learn in the meetings that life insurance is the foundation of every families financial game plan. so if you are not writing life you are not fulfilling your obligation to your clients so that tells me you are not doing investments either. Just give it up loser stop with all the stupid comments answer the question, unless the stupidness is not an act maybe you are.
@mimric Are you slow ? I did answer your stupid ass question, but maybe you just didn't like the answer because it shows that you are an illiterate moron.
It's such a stupid comment when a loser life insurance agent aka mimric ( although I bet he/she has no license) posts "over charge and don't give them what they need" This fool has no clue what families need. This fool actually endorses some shit policies and then compares prices to a much better product lol. Then this uneducated tool wants to post about investments! HA moronic don't understand investments .
Why is it one trick pony asshole life agents come on here only to bash a company that helps families? Why is it Moronin was fired for " selling away" ? Why is it that some other jgayilles85 is actually an out of work homo?
Why is it that so called PFS reps only insult & talk trash? when are the facts gonna be commented on, if your company is so great why is it your products are low grade, I know I've been on both sides, I posted hard facts about PFS & others. I guess you can't defend it so all you have is insults. Believe me its very clear, if you can't defend shut up you only make yourselves look like the immature children you are.
Lol look at these simple minded fools moronic and gaygilles 85, the both don't even have a license and are clueless. Hell, Morinic is so dam stupid he does not know english.
Ok here we go with liar's again, 1. if you were doin it like that you would not be on youtube talking about it becuz why would you care. 2. If sum1 has that much to invest why would they need a life policy, they have the cash on hand. 3. I see you are not able to compete with my facts becuz you can't so you come up with these lies. Give it up, nothing you can say to address the fact PFS is a rip off to their clients.
@owenbuca You know what's hilarious? The fact that you think 1.2 million is a lot. LOL get a life. Average deals that I see are more like 18 million, and that's just an average.
That being said, don't think for a second that anyone here believes you when you post about your business activity. Everyone knows that Primericrap doesn't work with clients that have even a mere 1.2 million. Why don't you tell the world that what you meant was 1,200.
@jgiIles85 why does he even think we falling for his lie's, he thinks he can state he made a big sale & we gonna fall over in shock & awe. he won't even admit PFS products are crap I'm replacing them almost everyday. He needs to realize he is doing PFS NO justice by acting like a complete idiot, the more he goes on the more he & PFS look like fools.
Oh, after There 18yr old son saw how I hooked his parents up he wanted to get involved so I brought him aboard. he was a rider on his moms policy but since he is 18 had to give him his own, still paying less over all for what they need, whoever wrote them needs to be slapped, especially with that crap 10% IBR.
I have sum news for you, just replaced 3 more PFS policies today. Its a shame Fact the wife $175000 rate $50 20/30, Me $375000 $57 30/30, The husband $50000 $22 20/30, Me $375000 $62 30/30 smoker, Daughter $50000 $10k CIR $24 20/35, Me $260000 $10k CIR $27 30/30. With the settlement option the wife & husband pays for $340k, daughter $225K. It was like taking candy from a baby, actually the baby would have been a bigger challenge.
One last comment: a pyramid scheme is defined as a business with no product or service that makes money by charging a fee for recruits to join. Primerica reps do not get paid to recruit. Every business recruits, from McDonald's to Microsoft. So what's the problem? Keep in mind, most university degrees (and I speak from experience) aren't worth the paper they're printed on. Primerica's client services put HUNDREDS OF THOUSANDS if not MILLIONS into their cleints pockets over their lifetime!
"I just don't understand" over and over again. The author states his info comes from Internet hearsay. It's like accepting a Hollywood movie is true because "the movieis based on a true story." If he actually tried the business, he might have some actual evidence to base his opinion on! Virtually every job can be classified as a pyramid scheme. The worker makes less money than the managers, the managers make less money than the owner. Fact.
This guy is clueless, no offence intended. Why would he comment if he hasn't worked in the business? He just doesn't understand (as he mentions over & over). It's not a job, it's a self-employed buisness with the training is provided. A pyramid scheme? How can a pyramid last 34 years on the New York Stock Exchange?) It's also not MLM--Primerica is structured like a real estate brokerage. Fact: Type in "Who has the most six and seven figure earners in America?" Guess who?
@Paulywantstokill Wrong. Primericrap describes its own operations as "Multi-level marketing opportunities". Google it for yourself. As for claiming that standard employment is a pyramid scheme, you are incorrect again. With standard employment the pyramidical structure is one of management. With MLMs and pyramid schemes the pyramidical structure is one of remuneration. Nice try.
I have a question. Why do all your PrimeriDrones spew the same exact stuff from your pom pom pep rallies?
@jgiIles85 In regard to your pyramid scheme definition, there are many ways to define a pyramid scheme and you have simply chosen one such which paints Primericrap in the best light. For example, the FTC draws the line between legal MLM and illegal pyramid through the 90% Rule. This rule stipulates that at least 90% of sales are the result of a transaction between the MLM and an end consumer, rather than between the MLM and MLM representative. Primericrap's sales ratio to end consumers: 89%!!!!
you generate money by selling financial services such as life insurance, investments, etc etc
mrluvsChrist 6 days ago
this is because you have no motivation....you want a JOB.....just over broke......you dont get paid for recruiting...you get paid on the results of those who come into business with you who sell products to their clients....network marketing is legit...the corporate world is a pyramid btw...you are at the bottom and want to move up....tsk tsk tsk
mrluvsChrist 6 days ago
HA HA! Thats so true, right now Im filling out a "special" PFS replacement form becuz they want to know what former agent taking there biz, becuz of the "CONTRACT" any biz I replace I have to fill out a PFS form along with the basic one thats required by law. What BS but it does not matter its thier loss my gain!
mimric 1 week ago
Jgiles, about the largest salesforce for a independent financial company. You have to remember 95% of Primerica representatives quit before they even start. The only way to fail at Primerica is to quit working. 90% of new businesses fail. By the way 100% of Primerica's products reach the consumer.....? You do not receive pay to recruit. Could a pyramid scheme really be listed on the NYSE? I don't understand your argument.
Paulywantstokill 2 weeks ago
@Paulywantstokill Take a look at your existing block of business. Calculate how much residual income you earn each year. Now ask yourself, how much would you pay for that income stream? Answer: probably not much. But that's what you'll be able to sell it for to another Primericrap agent. How about passing it down to another family member? "Passing down" is just another way of saying "sell" or "sell at no cost", and this changes nothing about the previous point.
jgiIles85 1 week ago
@Paulywantstokill Your point about 95% of Primerica representatives quitting before they start is only something that's told to you by your superiors. Pauly, people do not go through all that licensing so that they can quit. They DO try, but quickly find out how difficult the business can be. They try, but fail b/c they simply can't find enough people to help them.
This is typical of your superiors. They'll discredit anyone who puts a bad impression onto the company. Cont'd...
jgiIles85 1 week ago
@Paulywantstokill Says your PFS superiors, "99% failure rate? That's b/c those 99% suck. They failed to succeed b/c they failed to learn. They failed to plan. They didn't try hard enough. They gave up before they tried. Blah blah blah..."
This is a tactic employed only by cults. Turn the hopefuls against the people have bad stuff to say.
In the end, you are NOT running your own business at PFS bc you can't take your clients outside the company. Plain and simple.
jgiIles85 1 week ago
jgiles, not true. There are 3 levels of ownership of the business, all of which involves being able to pass the business along to your family, or even sell the business. Not to mention you receive residual income on a quarterly basis.
Paulywantstokill 2 weeks ago
@Paulywantstokill Yes, of course you can pass on the business to your family, or sell the business, but you must sell to a willing Primericrap agent! And guess what? No one's buying. Know why? Because life renewal commissions are not paid on your block of business until you are Regional Leader or higher. You see, the value of your business block is based on the residuals it generates. The only residuals you'll earn until then are investment trailers only! Here's a good exercise: Cont'd...
jgiIles85 1 week ago
Thats true READ THAT CONTRACT! I don't think 95% of those in PFS read it if not more. If they did they would see how one sided it is in the company's favor, not even the clients favor.
mimric 2 weeks ago
Comment removed
mimric 2 weeks 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 weeks ago
Comment removed
jgiIles85 2 weeks ago
Primerica has more six and seven figure earners than any other company in North America. This is a fact not an opinion.
Paulywantstokill 2 weeks ago
@Paulywantstokill Now onto your statement about six and seven figure earners. Did you know Primerica also has the largest salesforce in North America, too? Translation: it's all relative.
Here we have the eiptome of PrimeriLogic. Everything is true and yet nothing is true. So how about I use your own logic against you in the following way:
If China, the country with the largest population in the world, has the most millionaires in the world, does this mean China is rich?
Ya. Thought so.
jgiIles85 2 weeks ago
@Paulywantstokill You think I don't want to understand Primerica. It is irrelevant what I want. What matters is that I DO understand Primerica, and I'll bet I have a better understanding than you do. If you understood what is really happening at Primerica, you'd quit in a heart beat.
All I can say is: READ YOUR CONTRACT. Therein, you'll find that your clients are NOT yours. That is, not until you make it to NSD. Also, Primerica keeps your renewals! That is, until you are Regional Leader.
jgiIles85 2 weeks ago
jgiles85, I used to work for Wells Fargo Financial as "management". I made $50k a year, but I made $300k for Wells Fargo....talk about a "pyramid". The definition of a pyramid is where the money in a business is made strictly on recruiting without any product or service. I don't think you understand, but then again, I don't think you want to understand.
Paulywantstokill 2 weeks ago
@Paulywantstokill Actually, I understand the meaning of pyramid scheme perfectly, and am aware that there is more than one definition. The FTC draws a distinct line in the sand to distinguish MLMs from pyramid schemes, namely the 90% Rule. This rule states that effectively all (meaning 90%) of all sales must reach an end consumer (definied as a consumer who is not also a Distributor). Primerica does not even come close to meeting this definition.
jgiIles85 2 weeks ago
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@Paulywantstokill Actually, I understand the meaning of pyramid scheme perfectly, and am aware that there is more than one definition. The FTC draws a distinct line in the sand to distinguish MLMs from pyramid schemes, namely the 90% Rule. This rule states that effectively all (meaning 90%) of all sales must reach an end consumer (definied as a consumer who is not also a Distributor). Primerica does not even come close to meeting this definition.
jgiIles85 2 weeks ago
@Paulywantstokill Are you aware of what a salary is from the perspective of the company (Wells Fargo in your case)? It's a way to limit their expenses. Before the company hires you they want to make sure that your contribution to the bottom line will exceed what they are paying you. This is the basics of business - pay to get paid. Now, please explain how this has anything to do with pyramid schemes. LOL
jgiIles85 2 weeks 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 1 month 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 1 month ago
Was just reading jgilles85 posts , he is now saying he is a pfs agent? This guy is a complete idiot all he does is post about whole life being good. He is a manic depressive moron.
termischeap 1 month ago
As I have been saying as a former whole life agent I am sorry for my stupid post as Termisexpensive, I didn't know I was wrong , however that doesn't excuse me for acting like a child.Maybe someday jgilles85 will grow a set of balls and admit to being a useless fool.
termischeap 1 month ago
@mimric: I'm not gonna be th PFS agent that is rude to you. However I will say that I find it extremely difficult to believe that anyone could stay part time for over 21 years. And then especially go Full Time else where in 4 months. Sounds like a bull shit story.
jgilles85 1 month ago
@jgilles85 if I made the mistake of saying 21 years i apologize, although I don't think I did, I always said 21/2 years form late 08-aug 2010.
mimric 1 month ago
@mimric: Oh ok. The way you wrote 21/2 years caused me to think you meant 21 and 1/2 years. lol. I was reading it like how the hell can anyone stay PT for over 21 years? No problem.
jgilles85 1 month ago
@jkdrichie <--- sick fuck
nielsisback 2 months ago
Good to hear you're smart enough to not buy into that crap :)
Holydiver2107 2 months ago
Companies that sell whole life are in a negative cash situation because of low interest rates and a very poor investment choices inside the Whole life policies, there are reports of NO DIVIDENDS ( which is actually the clients own money being refunded ) BE GIVEN TO POLICY HOLDERS.
owenbuca 2 months ago
Let's examine some facts - term ins. is by far the most profitable product for the insurance carrier - why? because 98% of policies NEVER result in a claim. Knowing this information let's also point out the Primerica has about the highest term rates in the business - PLUS they use unisex rates so if you are a female you really get crushed. - So they sell overpriced term, term is the most profitable, = high profits to build stock price and pay upline managers!!!!
aIprime1 2 months ago
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@aIprime1 so you have been doing this " for years " hey alprime1, WE ALL KNOW YOU HAVE MANY ACCOUNTS YOU FUCKING TOOL.
owenbuca 2 months ago
The quality of the comments below tells us the exact mental capacity of the typical Primerica agent!!! Take Ownedpuca" for example - he's about the biggest tool online.
aIprime1 2 months ago
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Mimric is nothing but a lonesome loser, that works for capital choice aka The company that does not pay death claims to US soldiers !!
owenbuca 2 months ago
@owenbuca pathetic, waste of skin
mimric 2 months ago
@mimric oh sorry I forgot to include that thx, Mimric is a pathetic waste of skin (thx again)
owenbuca 2 months ago
@mimric Capital Choice is a much better company than Primerica, I'll definitely give you that. The main reason is that Primerica has FAR inferior products to virtually every other company, Capital Choice included.
Primerica also sucks in other ways too, like the fact that to become a RVP you must give up your best leg. Like, WTF right? So gay, indeed.
Every Primerican should just jump ship and join Capital Choice instead.
jgiIles85 1 month ago
@jgiIles85: If I find out that Capital Choice really is better then Primerica then I won't lie. Hell maybe I would even jump ship as well. Although you are still a liar and a crook that no one can trust.
jgilles85 1 month ago
@jgilles85 lol, that was funny :)
mimric 1 month ago
@mimric Yep, I looked into it more. And now I can say for certain, Primerica sucks balls. Capital Choice is a much better company and quite frankly I'm thinking about taking my entire downline network over there.
The other thing is my baseshop sucks balls. I hate everyone in that back-stabbing garage outfit.
jgiIles85 1 month ago
@jgiIles85 lol " your entire downline " LOL omg you are funny, dude you live at your mom's and your downline is a cat lol. I remember when you were being bullied,you shook your little fist and proclaimed you would " get them all" boy you were an idiot.
termischeap 1 month ago
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Mimric is nothing but a lonesome loser, that works for capital choice aka The company that does not pay death claims to US soldiers !
owenbuca 2 months ago
This has been flagged as spam show
Mimric is nothing but a lonesome loser, that works for capital choice aka The company that does not pay death claims to US soldiers !!
owenbuca 2 months ago
This has been flagged as spam show
Mimric is nothing but a lonesome loser, that works for capital choice aka The company that does not pay death claims to US soldiers!!!
owenbuca 2 months ago
Mimric is nothing but a lonesome loser, that works for capital choice aka The company that does not pay death claims to US soldiers.
owenbuca 2 months ago
This has been flagged as spam show
Mimric is nothing but a lonesome loser !!!!!
owenbuca 2 months ago
This has been flagged as spam show
Mimric is nothing but a lonesome loser !!!!!!
owenbuca 2 months ago
This has been flagged as spam show
Mimric is nothing but a lonesome loser !!!!!!!
owenbuca 2 months ago
Mimric is nothing but a lonesome loser !!!!!!!!
owenbuca 2 months ago
don't you mean $350 and PFS policy not much better than the cash value. So I'll be replacing it soon. Just because you beat your meat does not mean everyone else does.
mimric 2 months ago
@mimric are you crying? you weenie bitch.
owenbuca 2 months ago
@owenbuca when are you gonna make a comment that makes since? and whats with all the hostility anyway, are you insecure? were you molested as a child? they say that causes that you know, maybe you need to talk to someone about that. I also noticed you use a lot of profanity, just to let you in on a secret it does not make you cool, a person curses because they don't have the words to say whats on their mind. You might want to pick up reading more so you can improve your vocabulary.
mimric 2 months ago
@mimric " When are you gonna make a comment that makes since" ? WTF DOES THAT MEAN?
owenbuca 2 months ago
look here lil boy, why don't u & your throat buddy stop trying to play biz owner & catch a clue. U guys can't be more than 18 you don't know your product, you don't know your company when your called on it all the 2 of you do is try to insult & you don't even do that good. you guys completely dodge the issues like true fox news watchers, don't even know how to have a serious discussion. U are losers with nothing to do, no purpose get off your mothers breast, grow up, well owack raised his self.
mimric 2 months ago
Well how many mistakes are you gonna put in your post, I've seen plenty from you & owack Im just intelligent enough to know what you are trying to say, whats wrong with you? By the way how can I hope on the border? Idiot. like i said if you can't answer the question just say so, go read the wack PFS policy to gain an understanding of it, go read Art's books to know how the company came about. I have another for you whats car read or write? Like I said, Pharisee, if u even know what that means.
mimric 2 months ago
@mimric please learn English thx.
owenbuca 2 months ago
@owenbuca You are as dumb as you sound, you don't know that people spell words diferently for space saving and you troll youtube looking for people to antagonise. Hey every1, thats the shorter version of everyone owack, owack found my comment on a wrestling video than tried to be sarcastic about me watching it BUT what the heck were you doin watching the same video idiot? You are so stupid its mind boggling. you raised yourself didn't you thats the only thing I can come up with. Abandonment.
mimric 2 months ago
@mimric " as you sound " Hmm just so we are clear, that is not me on the phone when you call the sex lines. So how do you know what I sound like ? Your stupid ass comments are all over childish sites.
owenbuca 2 months ago
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@owenbuca I guess you are running out of comments because that was just as dumb as the rest of your post. Aviodance of the issue as usual, why don't you just give it up, you are looking real bad right now. no one is taking you serious your comments are EXTREMELY childish & you have not answered any question so whats your point besides foolishness?
mimric 2 months ago
Comment removed
owenbuca 2 months ago
I will type slow for Mimric, the guy is as useless as tits on a bull.
jerkilles95 2 months ago
Well isn't that the pot calling the kettle black, anyway answer the questions what do you have to hide, like I said you can't justify it & every1 sees it. U quick to tell sum1 else to answer a question but you won't do it yourself, Pharisee.
mimric 2 months ago
@mimric until you actually use proper English so I can understand what you are asking I will not respond to you. When you hoped the border did you have to give your " handlers" blowjobs?
jerkilles95 2 months ago
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@jerkilles95 HAHAHAHAHHAAH you Primericrap dweebs are the dumbest pieces of horse shit I've ever seen! Says mega douchebag, "is Elmo the level you car read and write at ? your spelling is that of a 12 year old"
Douchebag, did you skip kindergarten? Do you know how to spell the word "can"? Just take it slow. Breathe deeply. You can do it. I believe in you.
SKA-DOUCHE!!!!!!!!!!!!!!!!!!!!
jgiIles85 2 months ago
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@mimric "Black" are you making racist comments ?
jerkilles95 2 months ago
@jerkilles95 if you don't know what that means you are as dumb as you PFS throat buddy. Stop trying to run with the grown ups & keep running with the kids, stay in your lane.
mimric 2 months ago
@mimric LOL you should probably stop posting to jerkilles95, he sure is kicking your ass LOL.
owenbuca 2 months ago
@owenbuca you two are on the same level of stupidity so once again you are wrong. Get an original thought an stop slobbing on someone else.
mimric 2 months ago
M = MORON
I = IDIOT
M = MAKES LOVE TO MEN
R = REAR LOVING IS AN HOBBY
I = IN A CULT
C = CAPITAL CHOICE IS A MLM SCAM.
owenbuca 2 months ago
How often do you call the sex hot lines?
owenbuca 2 months ago
@owenbuca i can tell you don't do any business because you have to much time on your hands, if you have time to think about that you are sitting around with no downline to train & no clients to go see. I have you beat once again.
mimric 2 months ago
@mimric ya I moved 350k from a bank today and replaced 3 trash value policies. But the best part is my team did 6 x 12k today lol
owenbuca 2 months ago
@mimric you couldn't beat your own meat let alone me in a debate.
owenbuca 2 months ago
@mimric stop crying, it's disgusting.
owenbuca 2 months ago
Oh in case you guys don't know or you don't want to accept it out of shame PFS IS MLM dummies, they say it themselves go read a book sometimes. You know nothing of the company you fail to defend so much, know nothing of the history, do you even know who Sandy Weill is, Hubert Humphrey maybe? Oh I get you don't even know who Art Williams is! I understand, go brush up and let the expirienced grown folks do our job of helping families. Say hello to Elmo for me.
mimric 2 months ago
@mimric is Elmo the level you car read and write at ? your spelling is that of a 12 year old
jerkilles95 2 months ago
I Know why u won't answer questions, u can't, u have have no clue why PFS policies are more expensive, only offers 20/30, why only 60% TIB, wont insure over 75, won't guarantee a rate after the term is up, why $200 plus interest to accelerate, why if declined client sol, why no settlement option, why no 1035 exchange to help with premium, why only renewable to 95, why you have to take paramed if you recently had one. Answer those we can talk.
mimric 2 months ago
@mimric dude get over your self, you work for capital loss. The policies you sold are not paying death claims on soldiers. Why Is that?
jerkilles95 2 months ago
@mimric you are banned in China for doing business.
jerkilles95 2 months ago
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Why don't you answer other peoples questions?
mimric 2 months ago
When are you guys gonna talk about something important & CC is not an insurance company so know your facts before you speak lies as usual. Also when you gonna answer the question & stop flapping off at the jaws?
mimric 2 months ago
@mimric why don't you answer jerkilles95 simple questions?
owenbuca 2 months ago
Thats why you 2 are in the Jerk category listening 2 people who are clueless, I bet you 2 think Indians were not here first & they deserves 2 get all but eliminated. Do you believe hitler tried to destroy the jews or not? What about the slave tried, all that was made up wasn't it? Thats what you sound like anything or one against pfs has to be the bad guy.
mimric 2 months ago
@mimric what do you have against Native Americans? what does, the "slave tried" mean? Like it has been said before LEARN TO READ.
jerkilles95 2 months ago
@mimric Very interesting post, what does " Nobady " mean ? I have never seen that word before.
jerkilles95 2 months ago
u guys are funny, best buds with china how bout that. oh and you can stop all the make believe stories nobady is buying it. Also I can pull real lawsuits on PFS so lets not go there. Not agaisnt ALW's but PFS. Dick Kinnard was with Art since the beginning after Sandiy Weil took over not only did Art get the boot, although they did pay him for 20yrs, a lot of his people also were pushed aside, not for lack of skills but greed. Know your history stop listening to Jerks who don't know anything.
mimric 2 months ago
stay away from Capital Choice they are a scam, they do not pay death claims to soldiers.
jerkilles95 2 months ago
Capital Choice was fined 46 million $ for not paying death claims.
jerkilles95 2 months ago
@jerkilles95 I did read they were fined 46 mil. but I didn't know why.
owenbuca 2 months ago
@owenbuca Capital choice is a MLM and MLM's are banned in China
jerkilles95 2 months ago
@jerkilles95 Primericrap is a disease and you and OwenBSca are the specks of dust they feed on.
Primericrap term insurance is the worst ever invention since instant water - just add water.
Douchebag.
jgiIles85 2 months ago
@jgiIles85 uh oh gaygilles85 is in a bad mood, he just found out his ass buddy mimric is in a mlm, and they are banned in china lol
owenbuca 2 months ago
@jgiIles85 awww poor jgaygilles85 , he just found out his ass partner mimric can't go to china to live with him.
owenbuca 2 months ago
@jgiIles85 hey fuck face, just giving you heads up, your mom is at my front door again. Please tell that bitch she can only suck my balls when I call her. thx
jerkilles95 2 months ago
Why does Capital choice not pay death claims to our soldiers ?
jerkilles95 2 months ago
Ok, you can enjoy your fantasy of you winning, that you got the upper hand, but any1 viewing this can see you answered NO questions just insulted. Every1 else addressed the issue at hand and showed you and the others up. you presented no facts, NOTHING just ran your mouth. Then when you "tried" to corner you got shot down by who else me, but I'll let you enjoy your fantasy, its ok, sumtimes parents have to bend a little to satisfy there children. Enjoy! Oh just 2 remind u I'm with Dick Kinnard
mimric 2 months ago
@mimric Capital choice financial is banned in China.
jerkilles95 2 months ago
@mimric LEARN TO FUCKING SPELL YOU RETARD. IT's not " sumtimes" you mindless fool.
jerkilles95 2 months ago
@mimric I have never heard of it, so i googled it. Jerkilles95 was right.
owenbuca 2 months ago
@mimric The same dick Kinnard that was fired from pfs ? LOL the guy has been sued more times than Prudential, and that is hard to do.
jerkilles95 2 months ago
Mimric is just another washout not working for anyone. the guy was fired for being a complete fool.
owenbuca 2 months ago
Stiil have not addressed the other questions but you also insist on asking question, I told you to look back @ the post you will get your answer. You answer the questions I asked I'll answer more questions until then please, I'll just keep mentioning the facts that you keep failing to address.
mimric 2 months ago
@mimric I WIN I WIN !! THIS LOSER IS SCARED TO SAY WHAT POLICIES HE SELL AND FOR WHOM, WHY YOU ASK BECAUSE IT WILL PROVE HE IS A FRUAD.
owenbuca 2 months ago
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Once again you loose & you still have not said what the TIB of PFS is but yet you insist on others answering questions. What you hiding?
mimric 2 months ago
And on that which I failed to mention there is no charges to accelerate TIB with my company check your facts fact lil man.
mimric 2 months ago
@mimric really and which company does not charge?
owenbuca 2 months ago
@mimric I got a feeling there are more lies coming.....
owenbuca 2 months ago
You are SOOOO funny, ok maybe you want to shovel my crap after I tell you, wait for it, you are DUNB again Primericrap, I'll borrow that for this 1, rips off again PFS TIB, since you want to go there, CHARGES $200 ADMIN FEE PLUS INTEREST WHATEVER THE WALLSTREET JOURNAL SETS OUT! IDIOT!
mimric 2 months ago
@mimric yes you are right, and your company charges 1-3% above prime you tool.
owenbuca 2 months ago
What to ashamed to say its not 100% like my company, plus thats just one aspect of the questions what about the rest of the crap PFS policy so called benefits I mentioned. Hey did you go back & find who I represent? Its there if you really want to know, we talked about it a little while ago.
mimric 2 months ago
@mimric 100% TIB ARE YOU READY MY LITTLE UNEDUCATED LITTLE BASTARD
owenbuca 2 months ago
@mimric Hey what is it going to feel like when I expose you ?
owenbuca 2 months ago
@mimric Why does your company give a 100% TIB , then charge 2-3 % as a lending fee till the policy is terminated ?
owenbuca 2 months ago
@mimric you do not represent anyone, I am sure your "uplines" talk to you lol
owenbuca 2 months ago
@mimric Hey maybe you should go fix me a sandwich, and leave the important stuff to us adults. thx
owenbuca 2 months ago
@mimric you mean you have been replacing pfs policies and you don't even understand them? WOW hope your E/O insurance is paid.
owenbuca 2 months ago
Ok lets get to the facts racist, I hope your immigrant buddies in PFS don't find out how you really feel about them. Its 3 things going on here 1. I'm not wrong 2. when I left it was 40% with talk of going 60% just June of 2010 when I left it had not changed yet 3. I speak with my former uplines regularly becuz they are frinds of mine & as of July 2011 when we talked about it it was 60%. So you jerks are lying or PFS just catching up with the rest of the world, but u never said how much.
mimric 2 months ago
@mimric awesome 100% you say for the TIB. are you ready to be owned?
owenbuca 2 months ago
Owen, why bother with mimric ? He is full of shit.
jerkilles95 2 months ago
It is a crying shame when a person spews lies and misinformation and can not be held accountable.
jerkilles95 2 months ago
@jerkilles95 You're a moron. Look you racist SOB, black people are NOT inferior. Do you drive around with a triangular pillow case over your head? You holier than thou bastards are the worst kind. Is that why you all flock to Primericrap, b/c no one else will accept you?
And btw, Hispanics are awesome people. You should shut the fuck up about them. Is racism what you learn at Primericrap?
My friend told me Primericrap in fact FOSTERS racism. Is this true?
jgiIles85 2 months ago
@jgiIles85 Hispanics ?? who mentioned anything about Hispanics?
owenbuca 2 months ago
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owenbuca 2 months ago
@jgiIles85 Hey what's it like knowing your best buddy mimric is in fact working for a company BANNED IN CHINA LOL.
owenbuca 2 months ago
You guys sound like typical GOP scam artist & I'm not political @ all. If you want to know who I represent go look @ the prior post & find out its already been established but like a GOP u want to spin the facts to avoid the facts. Now many on here have already answered you guys dumb questions answer ours. If you can't defend your postion just say so, I presented facts, I forgot one ?, why is the TIB only 60%?
mimric 2 months ago
@mimric TIB is not 60 % you have shown again you have no clue what the fuck you are posting.
jerkilles95 2 months ago
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@mimric why are you hiding ?
jerkilles95 2 months ago
@mimric 60 %? where the hell u get your info from dude? you have zero creds you fucking immigrant retard
owenbuca 2 months ago
@owenbuca You're a moron. What do you have against immigrants? Look you racist SOB, black people are NOT inferior. Do you drive around with a triangular pillow case over your head? You holier than thou bastards are the worst kind. Is that why you all flock to Primericrap, b/c no one else will accept you?
And btw, Hispanics are awesome people. You should shut the fuck up about them. Is racism what you learn at Primericrap?
My friend told me Primericrap in fact FOSTERS racism. Is this true?
jgiIles85 2 months ago
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owenbuca 2 months ago
@jgiIles85 the " worst kind" is uneducated racist fucks like you, It was you that was insulting me cause I live in Canada you fucking 2 faced faggit.
owenbuca 2 months ago
@jgiIles85 Looks like jgilles85 is a proud black man, well good for you. You are still a fucking loser.
owenbuca 2 months ago
@jgiIles85 uh oh jgilles85 is mad, maybe cause the truth hurts, are you going to turn green ( like your sad little excuse for a dick) are you crying Mimric HA HA LOL
owenbuca 2 months ago
@jgiIles85 HA Ha I love it mimric, posts yet another false statement and jgilles85 screams " Racist " lol Way to come to your lovers defense lol.
owenbuca 2 months ago
What if client just had a paramed with another company? Can a guaranteed rate be secured after the term is up based upon initial paramed? What if client can't afford rate after term? I already know the answers.
mimric 2 months ago
@mimric I have a question. It seams Owen is correct, you have chosen to make statements yet not back anything up with facts. You have shown a true lack of intelligence by not giving a complete and truthful response to a simple question. It also shows you are hiding something and it is evident you have no confidence in your company.
jerkilles95 2 months ago
@mimric So what or who are you trying to hide?
jerkilles95 2 months ago
So not only are you an idiot, you are an idiot racist, I hope your Hatian PFS buddies don't find out. You sound stupid once again, I'm not Hatian or Mexican or Europen etc. Now back to the point which you luv 2 avoid, I will tell you the company if you answer the questions asked, I have answered all your dumb ?s. What do u do when a client is declined? What happens once the term is up? What if a client can't afford what they need? What happens at death, how is money dispersed?
mimric 2 months ago
@mimric Oh wow, you are an idiot, what did I post about Haitians?
owenbuca 2 months ago
@mimric I wonder what you are trying to hide? is the company you work for really that bad you don't want to disclose who it is for fear of being oust as a liar ?
owenbuca 2 months ago
It has also been made clear who I'm under go back & read unless u meant sum1 else.
mimric 2 months ago
@mimric only a scared chicken shit would avoid the simple questions. You see I call on your bullshit claims of giving 700k and not telling us who you get this policy from, is that because you are in fact LYING or are you afraid I will prove you wrong?
owenbuca 2 months ago
@mimric why are you so scared ? what are you hiding ? Why is it you choose to lie ? Why did the US government let you in the country ?
owenbuca 2 months ago
I give my clients what they need 100% of the time with the settlement option signed & attached, we work on investments on the next appt. The average household needs @ least $700k in coverage, PFS average in coverage is half that how in world can you say you are doin whats right. Do you even know whats a settlement option? Don't lie about the facts 7 don't give that lame reason we don't compete with price we compete with quality, if the clients are not getting what they need its not quality.
mimric 2 months ago
@mimric Bock bock bock bock, thats the sound of a chicken shit ( which is you ) you spew garbage claims, name the company you work for aka rip people off.
owenbuca 2 months ago
@mimric LOL "clients" lol Omg that is funny. you don't have clients you moron, you have former clients but since you do not work for anyone you are an unemployed bum, that was fired for not passing an exam.
owenbuca 2 months ago
@mimric so what policy are you actually comparing ? I bet I will never see an answer from you.
owenbuca 2 months ago
@mimric hmm Were you bullied as a child in Haiti? did you swallow a lot of sea water on your travels
owenbuca 2 months ago
You did not answer the question you avoided like a typical loser politician, you think its stupid becuz you can't compete with it. If you do a dime on sum1, do u know what that is, & the family needs $800k on the wife & the husband & they cannot afford the coverage what do PFS do they lower the death benefit & say we will give you our IBR which is an inflation buster & over time you will have what you need, BS what happens if sum1 dies 2morrow, how did you help?
mimric 2 months ago
look at this fool moronic , I clearly state you can not compare prices of shit policies with the far better products. It shows that only a complete moron would also do the same with investments. This fool will not even come out of the closet and mention whom he works for. ( I guess that's because he is scared )
owenbuca 2 months ago
Listen if you can't answer the question why don't you just say so, and for the record I write investments but I guess you did not learn in the meetings that life insurance is the foundation of every families financial game plan. so if you are not writing life you are not fulfilling your obligation to your clients so that tells me you are not doing investments either. Just give it up loser stop with all the stupid comments answer the question, unless the stupidness is not an act maybe you are.
mimric 2 months ago
@mimric Are you slow ? I did answer your stupid ass question, but maybe you just didn't like the answer because it shows that you are an illiterate moron.
owenbuca 2 months ago
It's such a stupid comment when a loser life insurance agent aka mimric ( although I bet he/she has no license) posts "over charge and don't give them what they need" This fool has no clue what families need. This fool actually endorses some shit policies and then compares prices to a much better product lol. Then this uneducated tool wants to post about investments! HA moronic don't understand investments .
owenbuca 2 months ago
How are you helping if you over charge and don't give them what they need? Answer the question, stop the games.
mimric 2 months ago
@mimric Hey Onetrickmoronic , go get a license and learn the English language, that way you might not get your ass sent back to Haiti.
owenbuca 2 months ago
Why is it one trick pony asshole life agents come on here only to bash a company that helps families? Why is it Moronin was fired for " selling away" ? Why is it that some other jgayilles85 is actually an out of work homo?
owenbuca 2 months ago
Why is it that so called PFS reps only insult & talk trash? when are the facts gonna be commented on, if your company is so great why is it your products are low grade, I know I've been on both sides, I posted hard facts about PFS & others. I guess you can't defend it so all you have is insults. Believe me its very clear, if you can't defend shut up you only make yourselves look like the immature children you are.
mimric 2 months ago
Lol look at these simple minded fools moronic and gaygilles 85, the both don't even have a license and are clueless. Hell, Morinic is so dam stupid he does not know english.
owenbuca 2 months ago
Ok here we go with liar's again, 1. if you were doin it like that you would not be on youtube talking about it becuz why would you care. 2. If sum1 has that much to invest why would they need a life policy, they have the cash on hand. 3. I see you are not able to compete with my facts becuz you can't so you come up with these lies. Give it up, nothing you can say to address the fact PFS is a rip off to their clients.
mimric 2 months ago
WOW just invested 1.2 million, and changed the shit universal life policy .
owenbuca 2 months ago
@owenbuca You know what's hilarious? The fact that you think 1.2 million is a lot. LOL get a life. Average deals that I see are more like 18 million, and that's just an average.
That being said, don't think for a second that anyone here believes you when you post about your business activity. Everyone knows that Primericrap doesn't work with clients that have even a mere 1.2 million. Why don't you tell the world that what you meant was 1,200.
Douchebag.
jgiIles85 2 months ago
@jgiIles85 why does he even think we falling for his lie's, he thinks he can state he made a big sale & we gonna fall over in shock & awe. he won't even admit PFS products are crap I'm replacing them almost everyday. He needs to realize he is doing PFS NO justice by acting like a complete idiot, the more he goes on the more he & PFS look like fools.
mimric 2 months ago
@jgiIles85 and your moma is bigger than my mom.
owenbuca 2 months ago
@jgiIles85 Oh look at you wodendog you have a new ass partner, good for you .
probslpwtyormama 2 months ago
Oh, after There 18yr old son saw how I hooked his parents up he wanted to get involved so I brought him aboard. he was a rider on his moms policy but since he is 18 had to give him his own, still paying less over all for what they need, whoever wrote them needs to be slapped, especially with that crap 10% IBR.
mimric 2 months ago
I have sum news for you, just replaced 3 more PFS policies today. Its a shame Fact the wife $175000 rate $50 20/30, Me $375000 $57 30/30, The husband $50000 $22 20/30, Me $375000 $62 30/30 smoker, Daughter $50000 $10k CIR $24 20/35, Me $260000 $10k CIR $27 30/30. With the settlement option the wife & husband pays for $340k, daughter $225K. It was like taking candy from a baby, actually the baby would have been a bigger challenge.
mimric 2 months ago
One last comment: a pyramid scheme is defined as a business with no product or service that makes money by charging a fee for recruits to join. Primerica reps do not get paid to recruit. Every business recruits, from McDonald's to Microsoft. So what's the problem? Keep in mind, most university degrees (and I speak from experience) aren't worth the paper they're printed on. Primerica's client services put HUNDREDS OF THOUSANDS if not MILLIONS into their cleints pockets over their lifetime!
Paulywantstokill 2 months ago
"I just don't understand" over and over again. The author states his info comes from Internet hearsay. It's like accepting a Hollywood movie is true because "the movieis based on a true story." If he actually tried the business, he might have some actual evidence to base his opinion on! Virtually every job can be classified as a pyramid scheme. The worker makes less money than the managers, the managers make less money than the owner. Fact.
Paulywantstokill 2 months ago
This guy is clueless, no offence intended. Why would he comment if he hasn't worked in the business? He just doesn't understand (as he mentions over & over). It's not a job, it's a self-employed buisness with the training is provided. A pyramid scheme? How can a pyramid last 34 years on the New York Stock Exchange?) It's also not MLM--Primerica is structured like a real estate brokerage. Fact: Type in "Who has the most six and seven figure earners in America?" Guess who?
Paulywantstokill 2 months ago
@Paulywantstokill Wrong. Primericrap describes its own operations as "Multi-level marketing opportunities". Google it for yourself. As for claiming that standard employment is a pyramid scheme, you are incorrect again. With standard employment the pyramidical structure is one of management. With MLMs and pyramid schemes the pyramidical structure is one of remuneration. Nice try.
I have a question. Why do all your PrimeriDrones spew the same exact stuff from your pom pom pep rallies?
jgiIles85 2 months ago
@jgiIles85 In regard to your pyramid scheme definition, there are many ways to define a pyramid scheme and you have simply chosen one such which paints Primericrap in the best light. For example, the FTC draws the line between legal MLM and illegal pyramid through the 90% Rule. This rule stipulates that at least 90% of sales are the result of a transaction between the MLM and an end consumer, rather than between the MLM and MLM representative. Primericrap's sales ratio to end consumers: 89%!!!!
jgiIles85 2 months ago
Good for you mimric!!!
aIprime1 2 months ago
no need to go into securities & annuities others have already destroyed that one.
mimric 2 months ago