Now whole life offers the insured 3 very important guarantees - 1 - a guaranteed death benefit that won't go away no matter your health. 2 - a guaranteed premium that can't increase for life 3 a guaranteed cash value which means you'll never lose a dime of your premium. Plus it pays dividends which grow tax free and are accessed tax free. this is why the rich love whole life - they get a 4-5% ROR tax free with NO MARKET risk. NICE
Now whole life offers the insured 3 very important guarantees - 1 - a guaranteed death benefit that won't go away no matter your health. 2 - a guaranteed premium that can't increase for life 3 a guaranteed cash value which means you'll never lose a dime of your premium. Plus it pays dividends which grow tax free and are accessed tax free. this is why the rich love whole life - they get a 4-5% ROR tax free with NO MARKET risk. NICE
Get a new advisor = stop listening to this crack pot. There are substantial benefits to including life insurance as part of your investment portfolio. But, it's not surprising that someone without a license wouldn't know that.
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), w8lifterdude & 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.
Big words from 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.
Now whole life offers the insured 3 very important guarantees - 1 - a guaranteed death benefit that won't go away no matter your health. 2 - a guaranteed premium that can't increase for life 3 a guaranteed cash value which means you'll never lose a dime of your premium. Plus it pays dividends which grow tax free and are accessed tax free. this is why the rich love whole life - they get a 4-5% ROR tax free with NO MARKET risk. NICE
First - term appears to be "cheap" up front - they get you in with a low premium for let's say 20 years. But after the 20th year you either have to "requalify" to get a higher renewal rate or you can pay the annually increasing premiun if you can't requalify. These premiums are exceedingly high and are in fact far higher than what you would have paid if you purchased whole life originally.
So let's examine why term is really the most expensive form of life insurance and then look into why the rich, businesses and banks buy so much whole life insurance - if it were so bad why do they buy it in boat loads?
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.
@jgiIles85 Big words from 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.
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 is obviously a gutless coward. (Just click through the comments & see for yourself how desperate he’s become to censor comments he’s afraid of.) He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - w8lifterdude - guess he forgot to switch aliases again - ROFLMAO.
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.
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), w8lifterdude & 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.
But if you read his backwards posts is basically is stating that wise rich people are fools and the poor dumb people (he should know) are the smart ones. Now does this make any sense? No it does not. Can he explain why the rich buy so much whole life? I can as they know a good thing when the see it. 4-5% returns tax free with no market risk, guaranteed death benefit and cash, they LOVE WHOLE LIFE!!! And you should too!!!
@Termisexpensive Big words from 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.
@Termisexpensive 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?
@Termisexpensive 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?
And those dividends grow your cash and your death benefit tax free and can be accessed tax free. So do you want your money to be 100% taxable? Capital Gains taxable? or Tax Free? - with Whole Life it's tax free and your ROR is about 4.5 to 5% - not bad tax free!!!!!
3 - you get a guaranteed cash value that can never decrease - it can only go up no matter what the markets are doing. This esstablishes important foundations for you to do other things in your portfolio
2 - you get a guaranteed premium that can never be increased - with term your premium will increase and in many cases far higher than the whole life premium
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 is obviously a gutless coward. (Just click through the comments & see for yourself how desperate he’s become to censor comments he’s afraid of.) He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - w8lifterdude - guess he forgot to switch aliases again - ROFLMAO.
@aIprime1 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.
@aIprime1 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.
@aIprime1 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.
@aIprime1 He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - guess he forgot to switch aliases again - ROFLMAO.
@aIprime1 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.
@aIprime1 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?
@aIprime1 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?
@aIprime1@w8lifterdude The trash value troll is obviously a gutless coward. (Just click through the comments & see for yourself how desperate he’s become to censor comments he’s afraid of.) He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - guess he forgot to switch aliases again - ROFLMAO.
@w8lifterdude The trash value troll is obviously a gutless coward. (Just click through the comments & see for yourself how desperate he’s become to censor comments he’s afraid of.) He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - guess he forgot to switch aliases again - ROFLMAO.
@w8lifterdude 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.
@w8lifterdude 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?
@w8lifterdude 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?
@w8lifterdude 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
@w8lifterdude 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.
@w8lifterdude 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.
@w8lifterdude 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.
@jgilles85 It looks like the troll has a new invisible friend. I guess he forgot which alias he was supposed to be using again. He talks about what a great product whole life is, yet has to resort to such sleazy practices to censor other users comments. (Click through the comment section to see just how desperate this loser has become at this point.) Fact is, he’s proven over & over to be a failure & a fraud.
@Termisexpensive 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.
@w8lifterdude 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?
@w8lifterdude 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?
@aIprime1The 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.
@SuperLifeguy 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.
@wodendog 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.
@insurancemike10 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), w8lifterdude & 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 trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), w8lifterdude & 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.
Now Whole Life is an awesome product if you understand the 3 basic facts that drive the product to success and why the rich buy so much of it. 1 - the death benefit is guaranteed for life - this means your beneficiaries will actually get tax free money!!! 2. your premiums are guaranteed, they can't go up even if your health declines and 3 - you get a guaranteed cash value the insure you can NEVER lose a dime of money.
So we need to simply read a few posts from termcreep to see where his intellegence level is - about that of a dog drinking from the toilet!!! Too much bathroom humor to be a real challenge for me!!!
@aIprime1 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.
@aIprime1 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.
Dividends in a garbage cash value policy is in fact a refund on your own money, EVERYONE KNOWS THIS. I was TERMISEXPENSIVE and this message was brought to you by a guy that used to rip people off
And on top of all that you get dividends which grow both the death benefit and the cash value - all tax free with access to the money tax free!!! Awesome!!!
@aIprime1 poor poor jgilles85 aka Ben Dennis, aka alprime, he is actually crying at the size of his dick. I know Ben, I worked with him he is a pathetic little boy.
@termischeap LOL douchebag, why are you using your own name, Ben Dennis, and pretending it's other people??? Mr. Ben Dennis, do you want the whole world to know where you live? I can happily oblige, if you wish. Or maybe you'd like to meet me down at Something Sweet and we can settle a little sooner.
Now Whole Life is an awesome product if you understand the 3 basic facts that drive the product to success and why the rich buy so much of it. 1 - the death benefit is guaranteed for life - this means your beneficiaries will actually get tax free money!!! 2. your premiums are guaranteed, they can't go up even if your health declines and 3 - you get a guaranteed cash value the insure you can NEVER lose a dime of money.
Termcreep thinks term insurance is cheep? How can this be if it's the MOST profitable form of insurance for the insurer? If there's so much profit in it can it really be cheep? Economics 101 say NO!!! See term only results in a death claim less than 2% of the time, hence it's expense. And when you need it or want it it becomes to expensive to keep - so really was it "cheap"? Think NOT
Ownedpuca can't do simple math - he thinks if you make 100% one year and lose 50% the next it's ok to claim your average ROR was 25% - but he can't explain why the ACTUAL ROR was 0% or even less is you net down fees and taxes!!! - Moron of the first degree!!!
Ownedpuca and termcreep - one in the same? Let's see - both morons - check, both clueless - check, both completely schooled by myself - check, both work at the local gas station - check - yep they are the same!!!
As a former whole life insurance salesman with MET LIFE i WORKED WITH alprime1 aka jgilles85 real name Ben Davis. He was fired for being an idiot and posting on youtube all day.
Their "30" year level term is ONLY guaranteed 20 years yet they still compare it to others true 30 yr products. They use Unisex rates which penalized the females and in fact is so blown up it's not competitive for even males. They charge 14-15% of annual premium to pay monthly which add to profits and screws the client (industry ave is 2-3%). They are a lousy company for the policyholder - maybe for an investor it's good but not the end user client. tsk tsk tsk.
And here's why they show profits - they invest very little money into their "avon" model of a distribution system - very little training and most of it is miss guided. Then they sell only term insurance which is the MOST profitable for any insurer. Add that they have close to the highest rates and we can see why. In additon they have the highest policy lapse rate in the industry - this is a measure of client satisifaction - when they find they can get their term cheaper they leave, in droves
See this is where you guys are flipping idiots - primerica sells very expensive term insurance to lower middle class, less educated people. The vast majority of these "agents" are part timers who do this for extra cash - can we all say "Avon Lady" knocking!!! And the SEC and FINRA does NOT regulate the sale of life insurance - these are nasty people who prey on the poor and rip them off - it's that simple
@aIprime1 very interesting, sec and finra does not regulate the sale of insurance. Is that because the investments in a life policy ARE SHIT !! HOW DO YOU SAY IT SKAAAA DOOOOSH
@termischeap And again moron proving as the moron he is. Life insurance is a fixed product so the SEC and FINRA does not regulate it. Unless variable is being sold. Idiot!!!!
@aIprime1 As a former cash value salesman I know that Sec and FINRA stays away from the life industrey because the investments sold inside a policy are pretty much giving the consumer their own money back, called dividends. Jgilles85 you already know this Ben Davis.
It sure is clear to everyone who logs in for information, that jgilles85 is an child. As an ex whole life salesman I am sorry for the posts of jgilles85 he is truly set in his ways even if they are wrong. I once felt the same I even had a user name " termisexpensive" however after doing some proper research I learned I was misled as is jgilles85.
To jgilles85, it's ok to be honest and come clean. Just confess to be an ass and a complete tool like I was. I feel much better after confessing my mistakes in thinking cash value was good. I was brainwashed by my boss, however I learned the truth from actually reading the policies I was selling. We must applaud a company like Primerica that took a stand against the industry and the garbage that was being sold to families.
they have 2 of the biggest investors investing billions of dollars in the company, Warburg Pencus 25 billion, Baron Capital Management 16 billion, do ya really think they would invest that kind of money in a pyramid scheme of any kind??? hell no they wouldnt!! Primerica is partnered up with Equifax, Answer financial, genworth financial, met life, lincoln financial group, Invesco, and Legg mason global asset management to name a few. enough said, REALLY!! Get over it and get a fricken life!!
@tamijo420 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.
You people putting all these posts on here are very childish!! Primerica is not a product based pyramid scheme, hello they are illegal! and all the reps must be state licensed to sell life Ins and also licensed in securities which are both very highly regulated by the SEC and FINRA (FINRA is the largest regulator for all securities firms in the US) and the FTC and the state insurance departments, do you really think they are going to allow them to operate illegally?
@tamijo420 Just because they operate within the law does not mean they aren't running a pyramid scheme - they use the "Avon and Mary Kaye" approach to selling - the vast majority of their agents are part timers - Ding Dong - Primeripoff calling!!!
@tamijo420 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.
I am sorry for my posts under the user name " termisexpensive" I was wrong, I only hope I still can fix the damage I have done to families, and replace the crap whole life policies I sold them.
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.
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Now whole life offers the insured 3 very important guarantees - 1 - a guaranteed death benefit that won't go away no matter your health. 2 - a guaranteed premium that can't increase for life 3 a guaranteed cash value which means you'll never lose a dime of your premium. Plus it pays dividends which grow tax free and are accessed tax free. this is why the rich love whole life - they get a 4-5% ROR tax free with NO MARKET risk. NICE
aIprime1 1 day ago
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Now whole life offers the insured 3 very important guarantees - 1 - a guaranteed death benefit that won't go away no matter your health. 2 - a guaranteed premium that can't increase for life 3 a guaranteed cash value which means you'll never lose a dime of your premium. Plus it pays dividends which grow tax free and are accessed tax free. this is why the rich love whole life - they get a 4-5% ROR tax free with NO MARKET risk. NICE
aIprime1 1 week ago
Get a new advisor = stop listening to this crack pot. There are substantial benefits to including life insurance as part of your investment portfolio. But, it's not surprising that someone without a license wouldn't know that.
prcaballo 1 week ago
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P - Pyramid Propagators
R - Retard 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 week ago
Better to be Poor with God, than rich with You!
magildeny 2 weeks ago
This has been flagged as spam show
P - Pyramid Propagators
R - Retard 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
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 weeks 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 weeks 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 weeks 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 weeks 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 weeks 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 weeks 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 weeks ago
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), w8lifterdude & 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 weeks ago
Big words from 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.
a1prime1 2 weeks ago
orman was wring about everything, She kept saying to invest in wall street...
MrATLACATL 3 weeks ago
Now whole life offers the insured 3 very important guarantees - 1 - a guaranteed death benefit that won't go away no matter your health. 2 - a guaranteed premium that can't increase for life 3 a guaranteed cash value which means you'll never lose a dime of your premium. Plus it pays dividends which grow tax free and are accessed tax free. this is why the rich love whole life - they get a 4-5% ROR tax free with NO MARKET risk. NICE
aIprime1 1 month ago
@aIprime1 of course the rich like it, they are the only ones who can afford that high dollar crap
carsonc29 8 hours ago
In fact less than 2% of term policies ever result in a death claim and why it's by far the most profitable form of insurance for the insurer.
aIprime1 1 month ago
First - term appears to be "cheap" up front - they get you in with a low premium for let's say 20 years. But after the 20th year you either have to "requalify" to get a higher renewal rate or you can pay the annually increasing premiun if you can't requalify. These premiums are exceedingly high and are in fact far higher than what you would have paid if you purchased whole life originally.
aIprime1 1 month ago
So let's examine why term is really the most expensive form of life insurance and then look into why the rich, businesses and banks buy so much whole life insurance - if it were so bad why do they buy it in boat loads?
aIprime1 1 month ago
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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
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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
There once was a douchebag named prime
Who truly personifies slime
He types here all day
To YT's dismay
Without an original line.
jgiIles85 1 month ago
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 1 month ago
@a1prime1 That is Awesome !!!
termischeap 1 month ago
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@termischeap Thanks, have yourself a great Christmas & happy New Year.
a1prime1 1 month ago
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 1 month ago
There once was a douchebag named prime
Who truly personifies slime
He types here all day
To YT's dismay
Without an original line.
jgiIles85 1 month ago
@jgiIles85 Big words from 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.
a1prime1 1 month ago
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 1 month 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 1 month ago
This has been flagged as spam show
The trash value troll is obviously a gutless coward. (Just click through the comments & see for yourself how desperate he’s become to censor comments he’s afraid of.) He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - w8lifterdude - guess he forgot to switch aliases again - ROFLMAO.
a1prime1 1 month 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 1 month 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 1 month 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 1 month 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 1 month 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 1 month ago
The trash value troll - aka wodendog, insurancemike10, SuperLifeguy, jgilles85 ( a rip-off of a different user), Termisexpensive, aIprime1 (a rip-off of me), w8lifterdude & 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 1 month ago
But if you read his backwards posts is basically is stating that wise rich people are fools and the poor dumb people (he should know) are the smart ones. Now does this make any sense? No it does not. Can he explain why the rich buy so much whole life? I can as they know a good thing when the see it. 4-5% returns tax free with no market risk, guaranteed death benefit and cash, they LOVE WHOLE LIFE!!! And you should too!!!
Termisexpensive 1 month ago
This has been flagged as spam show
@Termisexpensive Big words from 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.
a1prime1 1 month ago
This has been flagged as spam show
@Termisexpensive 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 1 month ago
This has been flagged as spam show
@Termisexpensive 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 1 month ago
Ownedpuca is having a difficult time writing!!! And he's doing so backwards!!! Too flipping funny. What a tool.
Termisexpensive 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
PRODUCT
owenbuca 1 month ago
A GOOD
owenbuca 1 month ago
IS
owenbuca 1 month ago
IT
owenbuca 1 month ago
THINKS
owenbuca 1 month ago
FOOL
owenbuca 1 month ago
A DAM
owenbuca 1 month ago
ONLY
owenbuca 1 month ago
VALUE
owenbuca 1 month ago
TRASH
owenbuca 1 month ago
IS
owenbuca 1 month ago
NICKNAME
owenbuca 1 month ago
IT'S
owenbuca 1 month ago
GOING
owenbuca 1 month ago
SCAMM
owenbuca 1 month ago
WORST
owenbuca 1 month ago
THE
owenbuca 1 month ago
IS
owenbuca 1 month ago
LIFE
owenbuca 1 month ago
WHOLE
owenbuca 1 month ago
And those dividends grow your cash and your death benefit tax free and can be accessed tax free. So do you want your money to be 100% taxable? Capital Gains taxable? or Tax Free? - with Whole Life it's tax free and your ROR is about 4.5 to 5% - not bad tax free!!!!!
aIprime1 1 month ago
In addittion you get dividends and once they are paid they become guaranteed and can NEVER lose value. Whole Life is great!!!
aIprime1 1 month ago
3 - you get a guaranteed cash value that can never decrease - it can only go up no matter what the markets are doing. This esstablishes important foundations for you to do other things in your portfolio
aIprime1 1 month ago
2 - you get a guaranteed premium that can never be increased - with term your premium will increase and in many cases far higher than the whole life premium
aIprime1 1 month ago
1 - you get a guaranteed death benefit for life - not with term or universal life
aIprime1 1 month ago
You get more benefit with whole life for 3 very important reasons
aIprime1 1 month ago
Whole life is awesome
aIprime1 1 month 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 1 month 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 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
This has been flagged as spam show
@aIprime1 Guess you only feel safe hiding on the internet & spamming comments. Afraid of the light of day aren’t you cockroach?
a1prime1 1 month ago
This has been flagged as spam show
The trash value troll is obviously a gutless coward. (Just click through the comments & see for yourself how desperate he’s become to censor comments he’s afraid of.) He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - w8lifterdude - guess he forgot to switch aliases again - ROFLMAO.
a1prime1 1 month ago
I love this video
Edwinene22 1 month ago
This has been flagged as spam show
Guess he has some more comments to spam. LMAO, what a loser.
a1prime1 1 month ago
This has been flagged as spam show
Oh, that’s right - because he’s a gutless coward.
a1prime1 1 month ago
This has been flagged as spam show
Gee, why is the troll running away? Why does he have to resort to spamming comments?
a1prime1 1 month ago
Whole life is the best
aIprime1 1 month ago
This has been flagged as spam show
@aIprime1 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 1 month ago
This has been flagged as spam show
@aIprime1 What’s the matter wimp? Don’t you have any guts at all?
a1prime1 1 month ago
This has been flagged as spam show
@aIprime1 Guess you only feel safe hiding on the internet & spamming comments. Afraid of the light of day aren’t you cockroach?
a1prime1 1 month ago
@aIprime1 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.
primpal08 1 month ago
This has been flagged as spam show
@aIprime1 Guess you only feel safe hiding on the internet & spamming comments. Afraid of the light of day aren’t you cockroach?
a1prime1 1 month ago
Whole life then pays dividends which grow tax free and can be accessed tax free.
aIprime1 1 month ago
This has been flagged as spam show
@aIprime1 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 1 month ago
Whole life offers guaranteed cash values - this means you can't lose your money. It's guaranteed
aIprime1 1 month ago
This has been flagged as spam show
@aIprime1 He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - guess he forgot to switch aliases again - ROFLMAO.
a1prime1 1 month ago
Whole life guarantees the premium won't go up, not like with term which guarantees it will go up and do so well beyond the whole life premium.
aIprime1 1 month ago
This has been flagged as spam show
@aIprime1 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 1 month ago
It guaranteed death benefit for life - whole life is the best
aIprime1 1 month ago
This has been flagged as spam show
@aIprime1 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 1 month ago
Whole Life is great
aIprime1 1 month ago
This has been flagged as spam show
@aIprime1 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 1 month ago
I love it - toolboy keeps spamming all the comments!!! He must have a lot of time on his hands!!!!
aIprime1 1 month ago
This has been flagged as spam show
@aIprime1 @w8lifterdude The trash value troll is obviously a gutless coward. (Just click through the comments & see for yourself how desperate he’s become to censor comments he’s afraid of.) He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - guess he forgot to switch aliases again - ROFLMAO.
a1prime1 1 month ago
This has been flagged as spam show
@w8lifterdude The trash value troll is obviously a gutless coward. (Just click through the comments & see for yourself how desperate he’s become to censor comments he’s afraid of.) He says whole life is a great product, yet has to resort to such sleazy tactics. Why do you think that is? And look, he has another imaginary friend - guess he forgot to switch aliases again - ROFLMAO.
a1prime1 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
So jgilles85, is searching date sites to look for guys . lol true post from him
termischeap 1 month ago
This has been flagged as spam show
@jgilles85 It looks like the troll has a new invisible friend. I guess he forgot which alias he was supposed to be using again. He talks about what a great product whole life is, yet has to resort to such sleazy practices to censor other users comments. (Click through the comment section to see just how desperate this loser has become at this point.) Fact is, he’s proven over & over to be a failure & a fraud.
a1prime1 1 month ago
This has been flagged as spam show
@Termisexpensive 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 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
This has been flagged as spam show
@w8lifterdude 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 1 month ago
This has been flagged as spam show
@aIprime1The 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 1 month ago
This has been flagged as spam show
@SuperLifeguy 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 1 month ago
This has been flagged as spam show
@wodendog 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 1 month ago
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@insurancemike10 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 1 month 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), w8lifterdude & 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 1 month ago
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P - Pyramid Propagators
R - Retard 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
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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), w8lifterdude & 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 1 month ago
As a former agent with Metlife I worked with jgilles85, he was the coffee boy at the end of the room.
termischeap 1 month ago
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Now Whole Life is an awesome product if you understand the 3 basic facts that drive the product to success and why the rich buy so much of it. 1 - the death benefit is guaranteed for life - this means your beneficiaries will actually get tax free money!!! 2. your premiums are guaranteed, they can't go up even if your health declines and 3 - you get a guaranteed cash value the insure you can NEVER lose a dime of money.
aIprime1 1 month ago
So we need to simply read a few posts from termcreep to see where his intellegence level is - about that of a dog drinking from the toilet!!! Too much bathroom humor to be a real challenge for me!!!
aIprime1 1 month ago
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@aIprime1 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 1 month ago
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@aIprime1 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 1 month ago
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@aIprime1 The troll is a gutless coward.
a1prime1 1 month ago
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P - Pyramid Propagators
R - Retard 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
Dividends in a garbage cash value policy is in fact a refund on your own money, EVERYONE KNOWS THIS. I was TERMISEXPENSIVE and this message was brought to you by a guy that used to rip people off
termischeap 1 month ago
And on top of all that you get dividends which grow both the death benefit and the cash value - all tax free with access to the money tax free!!! Awesome!!!
aIprime1 1 month ago
@aIprime1 As a former employee of Met life I was brainwashed as is Ben Dennis.
termischeap 1 month ago
@aIprime1 poor poor jgilles85 aka Ben Dennis, aka alprime, he is actually crying at the size of his dick. I know Ben, I worked with him he is a pathetic little boy.
termischeap 1 month ago
@termischeap LOL douchebag, why are you using your own name, Ben Dennis, and pretending it's other people??? Mr. Ben Dennis, do you want the whole world to know where you live? I can happily oblige, if you wish. Or maybe you'd like to meet me down at Something Sweet and we can settle a little sooner.
Douchebag.
jgiIles85 1 month ago
@jgiIles85 would your boyfriend allow it?
termischeap 1 month ago
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@termischeap Maybe Santa can bring the lying, gutless, comment spamming coward a word a day calendar with more than 2 words on it this time.
a1prime1 1 month ago
Now Whole Life is an awesome product if you understand the 3 basic facts that drive the product to success and why the rich buy so much of it. 1 - the death benefit is guaranteed for life - this means your beneficiaries will actually get tax free money!!! 2. your premiums are guaranteed, they can't go up even if your health declines and 3 - you get a guaranteed cash value the insure you can NEVER lose a dime of money.
aIprime1 1 month ago
Termcreep thinks term insurance is cheep? How can this be if it's the MOST profitable form of insurance for the insurer? If there's so much profit in it can it really be cheep? Economics 101 say NO!!! See term only results in a death claim less than 2% of the time, hence it's expense. And when you need it or want it it becomes to expensive to keep - so really was it "cheap"? Think NOT
aIprime1 1 month ago
Ownedpuca can't do simple math - he thinks if you make 100% one year and lose 50% the next it's ok to claim your average ROR was 25% - but he can't explain why the ACTUAL ROR was 0% or even less is you net down fees and taxes!!! - Moron of the first degree!!!
aIprime1 1 month ago
Ownedpuca and termcreep - one in the same? Let's see - both morons - check, both clueless - check, both completely schooled by myself - check, both work at the local gas station - check - yep they are the same!!!
aIprime1 1 month ago
Why does a guy like Ben Davis aka jgilles85 want me to die so bad? Is it because I have been exposing him and what he sells?
termischeap 1 month ago
@termischeap jgilles85 has many different accounts
owenbuca 1 month ago
As a former whole life insurance salesman with MET LIFE i WORKED WITH alprime1 aka jgilles85 real name Ben Davis. He was fired for being an idiot and posting on youtube all day.
termischeap 1 month ago
And you should know I was a former Primerica agent so I know the "in's and outs" of their scam.
aIprime1 1 month ago
Their "30" year level term is ONLY guaranteed 20 years yet they still compare it to others true 30 yr products. They use Unisex rates which penalized the females and in fact is so blown up it's not competitive for even males. They charge 14-15% of annual premium to pay monthly which add to profits and screws the client (industry ave is 2-3%). They are a lousy company for the policyholder - maybe for an investor it's good but not the end user client. tsk tsk tsk.
aIprime1 1 month ago
And here's why they show profits - they invest very little money into their "avon" model of a distribution system - very little training and most of it is miss guided. Then they sell only term insurance which is the MOST profitable for any insurer. Add that they have close to the highest rates and we can see why. In additon they have the highest policy lapse rate in the industry - this is a measure of client satisifaction - when they find they can get their term cheaper they leave, in droves
aIprime1 1 month ago
See this is where you guys are flipping idiots - primerica sells very expensive term insurance to lower middle class, less educated people. The vast majority of these "agents" are part timers who do this for extra cash - can we all say "Avon Lady" knocking!!! And the SEC and FINRA does NOT regulate the sale of life insurance - these are nasty people who prey on the poor and rip them off - it's that simple
aIprime1 1 month ago
@aIprime1 very interesting, sec and finra does not regulate the sale of insurance. Is that because the investments in a life policy ARE SHIT !! HOW DO YOU SAY IT SKAAAA DOOOOSH
termischeap 1 month ago
@termischeap And again moron proving as the moron he is. Life insurance is a fixed product so the SEC and FINRA does not regulate it. Unless variable is being sold. Idiot!!!!
aIprime1 1 month ago
@aIprime1 As a former cash value salesman I know that Sec and FINRA stays away from the life industrey because the investments sold inside a policy are pretty much giving the consumer their own money back, called dividends. Jgilles85 you already know this Ben Davis.
termischeap 1 month 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
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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
It sure is clear to everyone who logs in for information, that jgilles85 is an child. As an ex whole life salesman I am sorry for the posts of jgilles85 he is truly set in his ways even if they are wrong. I once felt the same I even had a user name " termisexpensive" however after doing some proper research I learned I was misled as is jgilles85.
termischeap 1 month ago
To jgilles85, it's ok to be honest and come clean. Just confess to be an ass and a complete tool like I was. I feel much better after confessing my mistakes in thinking cash value was good. I was brainwashed by my boss, however I learned the truth from actually reading the policies I was selling. We must applaud a company like Primerica that took a stand against the industry and the garbage that was being sold to families.
termischeap 1 month ago 2
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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
they have 2 of the biggest investors investing billions of dollars in the company, Warburg Pencus 25 billion, Baron Capital Management 16 billion, do ya really think they would invest that kind of money in a pyramid scheme of any kind??? hell no they wouldnt!! Primerica is partnered up with Equifax, Answer financial, genworth financial, met life, lincoln financial group, Invesco, and Legg mason global asset management to name a few. enough said, REALLY!! Get over it and get a fricken life!!
tamijo420 1 month ago 9
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@tamijo420 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 1 month ago
You people putting all these posts on here are very childish!! Primerica is not a product based pyramid scheme, hello they are illegal! and all the reps must be state licensed to sell life Ins and also licensed in securities which are both very highly regulated by the SEC and FINRA (FINRA is the largest regulator for all securities firms in the US) and the FTC and the state insurance departments, do you really think they are going to allow them to operate illegally?
tamijo420 1 month ago 9
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@tamijo420 Just because they operate within the law does not mean they aren't running a pyramid scheme - they use the "Avon and Mary Kaye" approach to selling - the vast majority of their agents are part timers - Ding Dong - Primeripoff calling!!!
aIprime1 1 month ago
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@tamijo420 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 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
I am sorry for my posts under the user name " termisexpensive" I was wrong, I only hope I still can fix the damage I have done to families, and replace the crap whole life policies I sold them.
termischeap 1 month ago
@termischeap You're pathetic, PrimeriDouche.
jgiIles85 1 month 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 1 month 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 1 month 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 1 month 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 1 month 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 1 month 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 1 month ago