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Review: Primerica Insurance |
Comments
These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments. |
"Very nice people."
2007-07-03 18:12:38 EST
"My father had life insurance through Primerica and he passed in October 2006. I tried to make a claim and they told me that he had stopped making payments, which was a lie because it was automatically coming from his checking account. My father was making 250,000 a year. I still have not received any word from them, but I do have an attorney from New York that is handling my case. I have all the documentation that I need and feel that justice will be served."
2008-07-12 11:52:12 EST
"After 18 years of making payments to Primerica, they stopped providing statements to me for quarterly billing. Upon my investigation with them they told me I was dropped due to lack of payment. I never received any notification of my account being late or dropped. I submitted applications to be reinstated. Primerica will but at almost 3 times what my original quarterly amount. Primerica stated the rate chage was due the use of tobacco products. Hey, this is LIFE insurance NOT HEALTH insurance. These people knew that I was going to die sooner or later when I signed up wit them in 1989. I hoestly believe this is a coorporate policy to drop older accounts. I dearly like to know what Primerica's track record is in this area.
"
2007-07-09 09:53:11 EST
"Primerica has a superior A+ rating everywhere you go. It has the best renewal rates and best products. As the company advertisement is based on word of mouth of course there are going to be personality and lacking information opinion clashes. If you base your decisions on other people's opinions (and they may not be doing much better of than you are), recap your outlook on life and experience it yourself for real, before giving the wrong advice to others. You will find a lot of complaints, but what did you find so credible about google to bet your life on that everything there is true? The bigger the company, the more complaints there are going to be. It's plain common sense."
2007-08-19 12:02:18 EST
"I have had a wonderful experience with Primerica and would just like to address the individual above who complained about being dropped due to non-payment and then had a rate increase upon reinstating the policy. It is not simply because Primerica is difficult that this happened to you, it is the LAW. Once payment hasn't been received after the grace period you are automatically dropped, which is stated in the policy you signed. It also states that when the policy lapses or the time period is up, you will be reaccessed at your attained age (the age and health condition you are when re-applying for the insurance). All insurance companies are required to operate this way, with subtle changes depending on the state you live in. "
2007-09-25 15:50:17 EST
"great company"
2007-09-26 14:55:00 EST
"1) Takes a long time to process an application when I added my husband
2) Computer database is hard to accept name change, ignores it and comes back again as if nothing has happend. I'll show you a proof.
3) Wont tell you if an application has been denied or not.
4) Agent commnts its hard to reach them for an update or request
5) Nobody from Primerica calls to verify or ask any info if filled up or done incorectly. Nobody cares about an application or name change. Sucks.
6) I would love to fill out any customer satisfaction survey from them, but there isnt any."
2007-10-02 22:21:01 EST
"Poor Customer service. Insurance Agents are the only ones that are diligent. When I ask for info at Duluth, they pass me back to the Agent. SOB! Beter let me know right now than waste my time expecting nothing."
2007-10-02 22:26:39 EST
"Great company as they don't try to sell you expensive insurance like other companies do."
2007-10-05 08:50:33 EST
"After 9/11 did anybody know that Primerica was the only insurance company that paid every single death claim.
Technically by law insurance companies don't have to pay claims for insureds that die as a result of war. This falls into one of the four major parts of the insurance policy under the exclusion. The specific exclusion is referred to as War Exclusion. Unfortunately 9/11 was declared an act of war, which meant insurance companies didn't have to pay the death claims of those who were insured and lost their lives in the 9/11 disaster. However though as I said in the beginning, Primerica paid every single death claim. This is not to say that other insurance companies didn't pay any death claims. For those who don't know, the reason why War can void a clients contract if he/she dies in one is because generally in war there are a high number of casualties and having too many casualties could result in a insurance company possibly having to go out of business."
2007-10-21 04:51:27 EST
"I recommend the products to many others, because of what I've seen in the markets. There are many other lenders and insurance companies that don't educate and inform you of how these policies work and Primerica does!"
2007-11-12 22:05:01 EST
"A DISGRACE TO THE INSURANCE WORLD RIPPING OFF THE ELDERLY IS THEIR SPECIALTY!"
2007-11-13 10:37:52 EST
"Primerica seems to be the only company out there that truly wants what's best for the consumer. They only sell straight Term insurance, not Trash Value."
2007-12-08 21:48:52 EST
"The Policy I have is Term Life.. I'm now 70 years old. I got a letter stating that the rider for me will be dropped after all the years I've been with them. However, they will still cover my husband until he's 100. The cost for life insurance at my age is outrageous.. Don't know what I will do at the current moment.."
2007-12-27 20:23:11 EST
"Joined the company in 1986. got uot. bought a policyfor family of 5, 20 year term and had to renew at the end of that term. premiums almost tripled. of course due to age and yes, it is a term policy. I knew that going into it. to keep my 50,000, could only afford the 10 yr term. so when I hit my late 60's, it will be more!!!! not putting away the so called savings as they say to do. Probably get what my parents have, at $80 month for a lousy 5,000 just for burial.
you live you learn, then you die!"
2008-01-16 14:59:26 EST
"Great company. Interested in helping people out. Which is more than i can say for most of the other firms!"
2008-01-23 11:51:06 EST
"Primerica's Financial Need Analysis has helped my wife and I to pay down debt and build up savings. To decrease the need for life insurance."
2008-01-25 11:59:42 EST
"Helpful knowlegable agents who provide great service."
2008-02-06 20:28:18 EST
"This is a great company, a great gateway to financial freedom! "
2008-02-13 00:11:27 EST
"The best company to have a life insurance with and im very glad that Primerica helped me with my finances and my debts to pay them sooner."
2008-02-16 15:05:37 EST
"I have Farmers, and was talked into Primerica by a slick agent with all of the promises in the world... they don't hold a candle to Farmers and I can't imagine that they will be in business much longer."
2008-02-22 19:14:23 EST
"term insurance is still the best, and they have a competitive rate."
2008-03-06 19:48:52 EST
"Primerica has a great program that works. If you only follow half of the program then it only works half of the way. Buy term and invest the difference is strong and out performs most if not all wholelife policies. What is not mentioned in here is that Primerica does not advocate having life insurance for your entire life. You only need it while you are saving up your retirement. When Primerica started it was meant to replace whole life policies that offered lame at best cash value. You were supposed to then invest the difference into one or more of the family of funds (8% to 12%)that they offer the most of the time (95% or better) out performed the return of cash value in the whole life policy(3%). "
2008-03-16 12:08:35 EST
"Educated me very well on the pitfalls of whole life. Whole life is the biggest scam on earth. I wasted alot of money I'll never get back by paying into whole life. I went with Primerica for logical reasons. They only advertise by word of mouth. And to be the #1 insurance company in the business by only word of mouth, they must be doing the right thing for their customers if they can be number one on referrals only. Thanks to Primerica, I'll now be debt free in 8 years instead of 30."
2008-03-19 18:20:03 EST
"Great company. The Guaranteed Insurability and the Increasing Benefit Rider are really great products within the policy, that other companies SHOULD have in theirs, but don't."
2008-03-25 14:30:08 EST
"waish i had this company years ago my wife is now a rep very happy "
2008-04-02 12:13:37 EST
"Primerica is more than just a life insurance company. They do a complete financial plan for you from eliminating debt and building wealth for retirement."
2008-04-21 21:33:59 EST
"great company to deal with. the best!"
2008-07-08 18:30:12 EST
"After I got the insurance and needed to file a claim I heard some bad things about them but I have no idea why because they did everything quick and they were very helpful. I plan on staying with them."
2008-04-30 21:00:35 EST
"Agents are very informative and are looking out for the consumers interest 100% of the time"
2008-05-20 04:12:43 EST
"great insurances"
2008-05-26 23:28:42 EST
"Very convienent and affordable. Also a creditable company."
2008-05-30 00:39:14 EST
"We haven't had to file a claim, however, we have had to talk with customer service to move payments around. They were kind and helpful and didn't take it personal that we needed them to work with us when our financial situation took a turn for the worse. As a result, we've been with Primerica (life and investments) for the entire 8 years we've been married."
2008-06-28 14:17:27 EST
"This is a true American Company that helps us. If people only knew how other insurance companys try to rip you off. Get educated in how life insurance works and you can clearly see some people are just out there for your mom. Priamerica is for you. Don't take my advice or listen to anyone else. 9 times out of 10 people are usually wrong when they criticize someone. Its better if you try to see for yourself. God bless"
2008-07-23 16:42:34 EST
"Helped my family so much that I ended up joining the company! Hopefully I can help others as much as they have helped us."
2008-08-01 21:05:53 EST
"This is the worst company I have ever dealt with. the representatives are awful and keep totally messing up my policy, are unresponsive, they lie and are completely unprofessional."
2008-08-21 11:26:32 EST
"Had a good friend pass away last year unexpectedly. Primerica and the Primerica agent took care of everything with absolutely no effort on the family's end. I refer them to everyone I know."
2008-08-25 13:23:44 EST
"I cannot believe that nobody has mentioned how they constantly try to recruit you. The agents make money by having people work for them, so they are extremely pushy about asking EVERYBODY to join their company. It makes them lose a huge amount of credibility in my opinion."
2008-08-26 19:00:51 EST
"very good on claims"
2008-09-16 12:32:50 EST
"The company is great and the only reason I may not renew my insurance with them is because I am set up on a program. So when my insurance expires I will have enough money in an investment account and I will not need insurance. My premiums will be better suited in a good mutual fund."
2008-09-18 11:58:57 EST
"doesn't do anything for you, agent very seldom returns call.wanted me to renew policy before needed, wants to more than triple monthly fee for same amount of term insurance, when I can get it for a lot less at another company, I am trying to cancel policy, cost is way to much and I don't need it, can't get a return call,only seem to want to talk to you if you are interested in increasing policy amounts."
2008-09-22 21:10:07 EST
"The use of their Financial Needs Analysis to determine the amount of insurance coverage gave me real peace of mind. My coverage amount was also very affordable, and I now have extra I can put away for retirement and an emergency fund. "
2008-09-23 09:48:55 EST
"Very Consumerer friendly. They don't just sell they teach. The best financial experience I have ever had!"
2008-09-26 11:57:01 EST
"My husband and I have paid over $35,000 in premiums for term insurance. What a waste!"
2008-10-23 08:20:33 EST
"Very pushy agent. I surrendered my old life insurance policy and now I regret what I had done."
2008-10-24 14:14:17 EST
"We were approached by a friend to join Primerica. This friend says that in order
for them to get a promotiontto sell this
insurance they have to get 3 contacts and
sell 3000 points/dollars worth of insurance
and have 3 people under them to get ahead.
This insurance company recruits people by
word of mouth in order for the privacy of
the selling technique not to be cold calling.
After reading the reviews it appears to us
that this company is a big scam, and a
molding the pyramid sceme. The video's they
play to enhance the company and join as an agent are not professional."
2008-11-10 12:57:01 EST
"They were the only company that I've dealt with that actually took the time to educate me about how all the different product worked. We've been clients for over 10 years and it has all gone just like they said it would. "
2008-11-11 12:12:10 EST
"The education and overall help from this company have been unbelievable, much better than anywhere else my wife and I had gone. No matter what company or industry, there will be flakes you deal with, but we have been very pleased with our experience. If you are going to "research" a company or anything, Google and the internet are not the best place for accurate references. Some guy in Montana in his underwear complaining online about a company on his website isn't that truthful."
2008-11-17 10:20:13 EST
"The agent took the time to review the policy page by page, article by article so I would understand exactly what I had. My previous policy was still in the original envelop and had never even been opened. When I did go through my old policy, I really had my eyes opened! I'm glad I found Primerica!"
2008-11-21 12:33:42 EST
"My experience with Primerica has been a very good one. This is a company that is straight forward and upfront about their products and services. A company that doesn't sell a bunch of junk to people just cause they don't know whats going on."
2008-11-30 22:40:52 EST
"My wife and I make a comfortable 6 figure income. Although we make this, we were still in debt. I would say more so than most other people. Someone from Primerica came and sat down with us about 7 years ago. Today, we have paid off all of our debt with the exception of about 42,550 on our home. We were hitting almost 289,000 in debt. If Primerica would not have come in we would have been lost. On top of that, we were paying on a life policy that is now cut in half with triple the coverage. I see most of the comments about Primerica and I know that there is one thing they all have in common. Those people are basing their opinion on most false information. I owe my agent my life and he is now a great friend of mine.
Thank you Primerica."
2008-12-16 02:06:09 EST
"My dad had a policy with Primerica and when he passed the company was great to my mom. I have a policy with them and they are the best no question "
2008-12-21 15:24:02 EST
"The agent had me cash in old dividend paying whole life policies to buy their term life insurance and "invest" the difference. It made sense at the time but I have since learned that I don't need anywhere near as much life insurance as the Primerica agent showed with his "Financial Needs Analysis" program. I feel duped."
2009-01-11 17:33:51 EST
"Paid claim very fast with in 2 days of recieving the certificates -- much faster than the group life insurance from the job."
2009-02-04 01:43:45 EST
"They do the right thing 100% of the time. Finally, a company that understands middle-income families and will help them even if they don't have $100,000 to invest. They looked at everything and what was best for our situation and our future."
2009-02-06 03:42:36 EST
"Extremely Knowledgable agents who to time to explain things in simple terms. After tons of research, Primerica has the best value in their policies for extremely low, compettive rates."
2009-02-24 18:08:45 EST
"best insurance an low cost."
2009-03-15 14:27:36 EST
"Primerica is the best way to have a complete financial plan that will cover all your financial needs. I will definitely recommend Primerica, to be take advantage of its products and I will also recommend it as a company to work for"
2009-03-25 13:51:23 EST
"Great products and great financial concepts!"
2009-04-09 15:37:01 EST
"I love the customer service from primerica specially because the really care the family,also me and my family feel very protected with the life insurance that also covers(protect) in event of war,so that talks how very solid company is."
2009-04-23 13:20:01 EST
"I trust my agent with my life."
2009-05-02 16:53:31 EST
"This company works for me"
2009-05-15 04:02:42 EST
"Best Insurance Company Ever!!"
2009-05-26 19:57:28 EST
"Primerica Had Taken Care of a Familys Death claim last year was not hard to get ahold of and paid it quickly so i insured myself with them"
2009-06-08 19:03:07 EST
"Great company! "
2009-06-18 23:18:31 EST
"Great company with great customer service!"
2009-07-04 00:56:32 EST
"Very impressed with the company and the process we went through in getting our policy. No Pressure - just a real focus on what we needed."
2009-07-22 20:07:11 EST
"Great concepts from people that care at heart."
2009-08-20 03:49:32 EST
"A standup company that really looks out for their clients! "
2009-09-17 21:42:39 EST
"Am impressed that Primerica Life holds over eight times the required cash reserves, hope I never have to use it but am glad it is in place. Really appreciate the service and the readiness of my agent to answer questions and meet with me on other matters with information and a great attitude. HIGHLY RECOMMEND!"
2009-10-23 22:52:11 EST
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