Complaint Review: Primerica

as a service to those reading this site, allow me to translate the prior post from Mosi, a typical crimerica mensa grad:

"simular" = similar
"hane" = have
"thawn" = ?
"canbegun" = ?
regualar' = regular
"sells" = sales
"peole" people
"fack" = fact
"there" = their
"usally" = usually
"qaulities" = qualities
"tobecom" = to become

Hope this helps all the RVP's with GED's driving beat up Chevettes.
Stuart and Leroy, I hope this post was helpful as i enjoy reading both your rebuttals. regards, Jay

I am an ex primerica rep. and I can say from experience that primerica is not a scam or job. It more simular to that of an agent, licenced profesional, or broker of some sort. For exampleto be a licensed trader you would hane to pay the fees associated with that profession thwn you canbegun operating as a Trader for a company or you my be able to operate under the companies licsence. The same rule applies here you have to pay associated cost of te profession.

Also this is not a regualar 9 to 5. your earnings are based on effort, persistance, hard work, and ability to find and sell citi services THIS IS SELLS PEOPLE NOT RING AROUND THE ROSY. THE PEOLE WHO DO THIS LIKE THE FACK THAT THEY CAN BE THERE OWN BOSS AND WRITE THE OWN TICKET. Those who became successful with primerica are usally the type who are natural leaders. But the company is not the problem, the problem is people most people don't have the qaulities it will take tobecome successful!!!!

I am an ex primerica rep. and I can say from experience that primerica is not a scam or job. It more simular to that of an agent, licenced profesional, or broker of some sort. For exampleto be a licensed trader you would hane to pay the fees associated with that profession thwn you canbegun operating as a Trader for a company or you my be able to operate under the companies licsence. The same rule applies here you have to pay associated cost of te profession.

Also this is not a regualar 9 to 5. your earnings are based on effort, persistance, hard work, and ability to find and sell citi services THIS IS SELLS PEOPLE NOT RING AROUND THE ROSY. THE PEOLE WHO DO THIS LIKE THE FACK THAT THEY CAN BE THERE OWN BOSS AND WRITE THE OWN TICKET. Those who became successful with primerica are usally the type who are natural leaders. But the company is not the problem, the problem is people most people don't have the qaulities it will take tobecome successful!!!!

I am an ex primerica rep. and I can say from experience that primerica is not a scam or job. It more simular to that of an agent, licenced profesional, or broker of some sort. For exampleto be a licensed trader you would hane to pay the fees associated with that profession thwn you canbegun operating as a Trader for a company or you my be able to operate under the companies licsence. The same rule applies here you have to pay associated cost of te profession.

Also this is not a regualar 9 to 5. your earnings are based on effort, persistance, hard work, and ability to find and sell citi services THIS IS SELLS PEOPLE NOT RING AROUND THE ROSY. THE PEOLE WHO DO THIS LIKE THE FACK THAT THEY CAN BE THERE OWN BOSS AND WRITE THE OWN TICKET. Those who became successful with primerica are usally the type who are natural leaders. But the company is not the problem, the problem is people most people don't have the qaulities it will take tobecome successful!!!!

I am an ex primerica rep. and I can say from experience that primerica is not a scam or job. It more simular to that of an agent, licenced profesional, or broker of some sort. For exampleto be a licensed trader you would hane to pay the fees associated with that profession thwn you canbegun operating as a Trader for a company or you my be able to operate under the companies licsence. The same rule applies here you have to pay associated cost of te profession.

Also this is not a regualar 9 to 5. your earnings are based on effort, persistance, hard work, and ability to find and sell citi services THIS IS SELLS PEOPLE NOT RING AROUND THE ROSY. THE PEOLE WHO DO THIS LIKE THE FACK THAT THEY CAN BE THERE OWN BOSS AND WRITE THE OWN TICKET. Those who became successful with primerica are usally the type who are natural leaders. But the company is not the problem, the problem is people most people don't have the qaulities it will take tobecome successful!!!!

You ask for reasons why Citigroup is unethical?

I can give you two billion of them. Thats the number of dollars they were forced to pay in regulatory fines and class action setllements over ethical lapses over the last few years. Its a record no other corporation has approached.

You said to read some book about getting rich. Fine, but that book deals mostly with real estate.
You might want to read a couple of books.

One is "Be Your Own Banker" by Nelson Nash which extols the virtues of cash value insurance. The other is The Mortgage Encyclopedia by Jack Guttentag which has a chapter dealing with mortgage scams. Pages 112-123 sound like he is quoting the primerica nonsense about how interest rates don't matter and bi-weekly payment plans save you money.


p.s- you might want to go back to school and take a course in Organizational Behavior and learn about organizational cultures. There is a reason some companies like Enron become bandits, and other like Citigroup pay $2 billion in fines and settlements while others don't.

You ask for reasons why Citigroup is unethical?

I can give you two billion of them. Thats the number of dollars they were forced to pay in regulatory fines and class action setllements over ethical lapses over the last few years. Its a record no other corporation has approached.

You said to read some book about getting rich. Fine, but that book deals mostly with real estate.
You might want to read a couple of books.

One is "Be Your Own Banker" by Nelson Nash which extols the virtues of cash value insurance. The other is The Mortgage Encyclopedia by Jack Guttentag which has a chapter dealing with mortgage scams. Pages 112-123 sound like he is quoting the primerica nonsense about how interest rates don't matter and bi-weekly payment plans save you money.


p.s- you might want to go back to school and take a course in Organizational Behavior and learn about organizational cultures. There is a reason some companies like Enron become bandits, and other like Citigroup pay $2 billion in fines and settlements while others don't.

You ask for reasons why Citigroup is unethical?

I can give you two billion of them. Thats the number of dollars they were forced to pay in regulatory fines and class action setllements over ethical lapses over the last few years. Its a record no other corporation has approached.

You said to read some book about getting rich. Fine, but that book deals mostly with real estate.
You might want to read a couple of books.

One is "Be Your Own Banker" by Nelson Nash which extols the virtues of cash value insurance. The other is The Mortgage Encyclopedia by Jack Guttentag which has a chapter dealing with mortgage scams. Pages 112-123 sound like he is quoting the primerica nonsense about how interest rates don't matter and bi-weekly payment plans save you money.


p.s- you might want to go back to school and take a course in Organizational Behavior and learn about organizational cultures. There is a reason some companies like Enron become bandits, and other like Citigroup pay $2 billion in fines and settlements while others don't.

These are just some thoughts on the Primerica and a few concerns as well.

Why City Group has them as the arm: I am not certain, but it must generate enough new business in the low income segment populations for the top management to pretend that it is not Amway.

Why should you participate: You are really bored with your life and you would like to sell your mother, father, bother, sister and friends and everyone else or you simply would like to learn some sales and presentation skills selling your mother, father, brother, sister and so on. If that fits your life philosophy, than you are the right person and the company is a good fit for you.

If you are looking for paying job, or application of your talents that are not used, look elsewhere.

For those familiar with running a company and our Canadian business expert here:

1.If you already know how to run a company, why in the world would you drop down to skill level 0, and start working for Primerica?

2.What kind of business generates sales through recruitment? Is Primerica selling lessons for state insurance license, or are they selling financial products? After going to the Group Interview I am inclined to believe in the first. Why else would there be so much emphasis on recruiting new soles and not on finding clients for existing agents? If you go to a meeting, ask the speaker how they find clients you will get a standard answer: we recruit. Same goes for the fee structure of the company, its not how much you sell but how many more recruits you bring in. Correct me if I am wrong, but that is the business model of Amway.

3.Primerica is great for City, because they do not have to carry sales people on the books. Everyone is an independent agent; they pay pure commission, no medical, no retirement, no accounting expenses associated with HR. It's great for the company, not for people who do it, unless you are really bored.

4.As far as all the great press about Primerica goes. Guess what, anyone will write only the best things to get the advertising account of City Group. I wrote for numerous media publications, and you will be amazed how cheap a custom story can be. BS. Just take a look at Forbes' Billionaire List. All the hot shots from Eastern Europe and former USSR are proven racketeers, top politicians in totalitarian states and mob bosses. If that is your idea of a self made man, you should work with Primerica.

One good thing, their idea of consolidating debt for financially troubled families is great! Just the strategy for doing it really screwed up.

To recap:

Is the initial sales pitch to get you to the group interview false yes!
Is it a job not really, but it can be for the right person.
Is it a rip off it can be if you are nave, but most Primerica reps are not skilled enough take it that far along.
If you really value your time, or consider a carrier change think carefully before you go.

One final thought, can anyone who is a customer of Primerica, not a participant in the sales program, post any comments about the quality of services they received.

You may want to start by contacting Federal Trade Commission, TBI.gov, Internal Revenue Service for fraud and there maybe a healthy Reward for you for information. You should also look at complaints from other consumers about Citibank, Citi Group and Washington Mutual Banks and the scames they are already involved in.

Anybody who searches for citi plus enron will find tons of bad things about the company. It's the same way if you search for citi plus worldcom.

Citi was involved in both of these scams. As anyone who listens to the news knows, these were both billion dollar scams that took big money from thousands of Americans all across the country. They took people's retirement money. Education money set aside for their children. Savings and nest eggs. To citi, none of that mattered one little bit. They took it all in their accounting scam.

In fact, the federal regulators were so disgusted with citi that they fined them billions of dollars so far. It takes one helluva lot of fraud to get the feds to act. They usually look the other way and laugh about the scams. They see this kind of thing everyday. To them, it's business as usual.

But, citi went so far over the limits that they couldn't just sit back and ignore it any longer. That's why they fined the company billions for their part in the enron scam. Citi runs a disgusting scam that hurts all Americans. They are like child pornographers they way they prey on the naive and the helpless.

One economist said that citi was running a financial ponzi scheme at enron. No big surprise there, huh?

How else could they manage to steal a trillion dollars from the American people? Fraud, fraud, and more fraud. That's all these crooks know.

As for primerica, they are a smaller part of the citi-scam. They do the same things. They push the same garbage products.

Primerica makes their money by selling their own brand of insurance, plus many of the citi financial products as well.

As soon as they find a willing sucker, they load them up with everything they can push off on the fool. Garbage insurance. Citi credit cards. Investment accounts. And, the biggest scam of all, the Smart home loan.

You can find one complaint after another here from the victims who bought this garbage. Just search for citi at the top of the page. Look at what the victims have to say about their Smart loan. They regret ever getting involved with scam companies like citi and primerica.

Primerica also is running a recruiting scam. That's exactly how they find new suckers to buy their trash. You see, primerica calls people from internet job sites. They lie and tell the victim that they have a great job available. They promise big money and an insurance office. Typically, the suck people into the con by offering them a manager's job.

Of course, there is no job. And, no office either. That was all a lie to get people to attend their recruiting meetings.

Once they convince a desperate job-seeker to join up, they demand a list of all their friends and relatives. That was their whole idea all along. They don't need more people. Hell, they recruit 100,000 new people every year.

Instead, they need that free list of new victims. Each new recruit turns in a list of a dozen new people. Primerica turns around and uses the new recruit to help con those dozen people into buying the insurance and the citi trash.

The recruiting is all a fraud to find new leads. There was never any genuine opportunity there. Primerica simple wasted the job-seekers time, gas, and money. All for nothing!

Everyone who gets involved with primerica loses money. They pay for training and an insurance license. And, they waste their time and gas trying to find new customers. In the end, most of them walk away broke and angry.

But, there are a few people who stay at primerica and sell the garbage to the new victims. These are the people you see commenting here. They make good money by running the primerica scam. And, they don't want it to stop.

That why they come here and try to put their spin on the complaints. They are very good at lying. After all, they do it day in and day out as they convince new victims to get out of debt and retire rich. You can be sure that anybody who falls for that nonsense ends up poorer, not richer.

So, don't you believe any of their lies. Just search for primerica at the top. You can spend hours reading all the complaints here. Actually days, or even weeks. There are that many!

So, now you know the real story.

Don't buy anything from primerica. Don't get involved in their recruiting scam. Trust me, there's no pot of gold waiting for you there. You will lose, just like 100,000 other people did last year.

As for citi, I can only hope to god that you have nothing to do with those crooks. Everything they touch turns into misery for the people who get sucked into their scams. The people at citi have the exact same morality as child pornographers. They don't care who gets hurt or how low they have to go. All that matters to them is their money. They cheat people out of trillions of dollars.

The best thing you could do is avoid these two companies like the plague. If you do get sucked into one of their frauds, you will lose!

Well. I see here that we are most likely dealing with individuals that have not done their own research into business practices, financial services or even the reputable facts regarding the ethics and morals of Citigroup or Primerica Financial Services. So, if someone really wants information regarding what my research has found with Primerica and Citigroup than read on, but a lot of you probably just like to rant and rave and will never read this. That is fine.

I have been contacted by Primerica in Ontario, Canada and I have a few findings that I have concluded after months of research.

I am a recent graduate from a top University in Ontario, and graduated near the top of my class with a degree in Economics. So that covers the institutional education required by some to gain respect. This is not respect in my opinion, just because someone has an 'education' doesn't mean to much these days, it is all in how you apply that education. On the other side of the educational environment, I have been an entrepreneur since I was 12 years old and have helped build a run many businesses in my life. So I do personally have the school and street smarts in business.

I find it very interesting how people are so lazy as to really do research before placing information on the internet. Sad actually. I am not attacking anyone, but I am offering an alternative approach to this slander against a fantastic company.

As a corporation, Citigroup is revered by the world as not only the largest corporation in the world, but also as the most moral and ethical. Before you attack this statement, where have you gained your information from? Friends, neighbors, internet chat buddies. Most of those who have never picked up the NewYorkTimes or Forbes magazine. Humm, so what grounds do these people have to judge a company or it's employees in any way?

Interesting quotations online here regarding this business, industry and the individuals that represent it. Let us see how world-renowned authorities on business view Citigroup and Sandy Weill. Wait a minute; you are probably saying who is this Sandy Weill person... Well, if that is true then you really need to do some research before you place a statement like this one above on the internet and represent your State/Province and Country. For those of you who don't know, Sandy Weill was the former CEO of Citigroup. He is responsible for the $72.6 BILLION merger between Citicorp and Travelers. Most people have no idea that this is a combination of two of the largest corporations in the world? So Fortune magazine says Sandy Weill has always rolled with the punches. Now he wants CitiGroup to be not only the richest financial company but also the purest in soul. (Fortune, Nov 2002, pg 74) Interesting, a professional magazine whom hold respect in large business around the world says that Citigroup's intensions are to be the purest in soul.' Humm.. So are they really out to get you as a consumer?

Ok, let's move on then. Sandy Weill has built CitiGroup into a financial services empire. Is his formula for success a blueprint for the rest of the industry? (Money Magazine, June 2002, pg 126) Wow, what a statement. Is Citigroup's corporate structure and acquisition of businesses a model for the future? You mean to say that Money Magazine indicates what they are doing with Primerica might be good or at least heading in the right direction?

And for you Canadians' out there Chairman of Royal Bank of Canada, John Cleighorn (RBC) says Citigroup has banking, insurance and brokerage all under one roof and it's set to take over the world. How can Canada's relatively small banks compete with this one stop shop? The answer is they can't. Humm, another interesting statement from the Globe and Mail, January 29th, 2000.

I could go on for a while with reputable sources of information that praise CitiGroup, and the businesses within (Primerica Financial Services).

So here are a few objections that I had, and sought information on. I am sure most of you reading this will probably have the same questions, specifically for Primerica!

Q Is this a pyramid scheme?
A NO. Did you know that pyramid schemes are illegal and cannot operate in any public context today? Secondly, Citigroup, one of the largest corporations in the world completely OWNS Primerica. Therefore, by deductive reasoning and logic, it is IMPOSSIBLE for Primerica to be a pyramid. Citigroup is the benchmark for financial services on the Dow Jones. (If you don't know who Mr. Jones is, I suggest more research  into the financial sector). They have over $1 Trillion in assets and are seen as a benchmark for success. Don't you think they have done their research into this Prime-A-America thing before they associated the Red Umbrella with it?

Q Does Primerica harm the consumer?
A Every PFS' Representative I have talked to personally has been the crme-de-le-crme as a human being. Their backgrounds vary in occupation, sex, age, race and religion. They are an equal opportunity provider for everyone who has goals and dreams. Their entire purpose for being in Primerica is due to their desire to help their friends and family achieve financial well being. You need to understand that Primerica's mission statement is to help families become debt free and financially independent. I have heard of some people who didn't like the representative based more so on personality conflicts than anything else. I will be the first to admit that there have been cases of bad-people in Primerica who have not been 100% ethical. Ask yourself this question though, how many companies in your lifetime have never had an issue with hiring recruiting a bad-seed. Sometimes you cannot prevent that from happening 100% of the time. And do know that Primerica has over 100,000 representatives licensed in financial services. If they were all bad-seeds then, well they probable could not operate as the nations #1 provider of term life insurance.

Q Is this Primerica thing a real business opportunity, or is it a CULT?
A My initial reaction was that it was a life insurance company trying to hire new people to solicit insurance to consumers, similar to the rest of the world. But, after actually spending hours and hours of my personal time researching the business model and systems that Citigroup geniuses have built, it is a 100% viable business opportunity for the right person. Not everyone likes McDonald's, but it was also a fantastic business opportunity for the right person. I EMPHASIS the right person! Primerica is not a Pyramid, it is not a Multi-Level-Marketing company that sells Vitamins out of their family's garage, and it is CERTAINLY not a cult. Is it a registered Direct Selling business operating within the most highly regulated industry (financial services) in the world that also requires you to hold state/provincial licenses before you conduct any business? It certainly is that

If anyone here actually has ever read a book about business you must have heard of International Best Selling Author Robert Kiyosaki and his book Rich Dad, Poor Dad.' If not, read them before you say anything about a business, its method of product distribution or infrastructure. Most likely you are like most of the other sheep' in society who works within a corporation as an employee. You have NO grasp on business or business management whatsoever. Sorry, but it is true. If you are an entrepreneur or business owner, I am sure you have already read these books. In his most recent book titled Before You Quit Your Job he states The direct sales business is recognized by many to be the fastest growing business model in the world today. Everyone who wants to be an entrepreneur should take a look at it. Some of the biggest Fortune 500 companies, such as Citibank and Smith Barney, distribute their products through a direct sales system. Do you comprehend what I am saying here? How about another one. Best Selling Author David Bach Start Late, Finish Rich (he has been on Oprah, so he is ok to most middle income earners in North America who actually have time during the working day to watch this show). He says If I were [to not be an author], I would go straight into financial services. Right now there is a company [Primerica] that is in the business of helping people save money, buy insurance and pay their home down early. This company is owned by one of the largest publicly traded financial services firms in the world.

It is fascinating to me how uninformed people are about the world we live in, and especially would risk their personal reputation by stating ignorant claims. Individuals come on the internet to attack companies who allegedly RIPPED THEM OFF and want to rant and rave to WARN others! Give me a break, there are some companies out there that really should be on here as a RIP OFF, but you personally need to do the research before you make any accusations. Luckily no one holds the statements on the internet with any weight, because some of the crap I have read is a defamation of character and could they could be potentially sued for these biased claims no actually, I appreciate ignorance because it creates so much more of an opportunity for individuals like myself who want to learn for themselves and not just take the advice their dead-beat father suggested about being a good role-model or that broke uncle who says money is the root of all evil', to heart.

Ignorance breeds ignorance! So keep going, its making me wealthier every minute.


Q Does Primerica hurt its clients by selling term insurance?
A This was one of the questions I had in my mind first when the presenter tore into a competing insurance provider here in Toronto. They were very passionate about Term insurance, and as a younger individual I didn't know anything really about the insurance industry or what Term or Cash Value (Whole Life or Universal Life) was or why they are good or bad? So, instead of asking unreliable sources, I did what few people would ever THINK of doing. I got my hands on a Life Insurance Training Manual for the Ontario Provincial Licensing Course. (Probably slightly different from state to state or province to province, but the fundamentals will be the same.) So, I took the course and read the entire manual and successfully passed the licensing course (so I have my life insurance license in Ontario) as well as my Canadian Securities License. After understanding the industry, I researched the products and did a comparative analysis of them. I did not go to google.com and type in good insurance vs. bad insurance, because I would probably come to a site where they complained about this company vs. that company and most times, it was a COMPLETELY BIASED statement from an insurance agent preaching for their own products.

So I went to Chapters/Indigo and the public library. There I researched and read over 30 books on business, finance, insurance, debt, investments and retirement. Guess what, they supported everything that the Primerica Opportunity Meeting had taught to me during that cold night in January that I spent 2 hrs watching in one of their offices. So, I started to think to myself! YES I THINK ALL THE TIME, DO YOU? Why is it that reputable sources in published books, magazines and news broadcasts all support this Consumer Hurting Prime-A-Merica Pyramid Scheme.

Basically here are the basics on what I found: With insurance, there are two types. Term and Cash Value. Term insurance is just that, basic insurance with no bells and whistles. Simple. Cash Value combined insurance with a savings vehicle. This savings vehicle grew at a VERY poor rate of return, you were charged to borrow your own money in the savings component, they stole' the first couple of years savings for their agent's commissions and finally if the insured person died, the beneficiaries often only received the insurance or the savings. Not both. If you ask me, or any professional in finance, they all say Cash Value Insurance is A RIP-OFF.

Q Does Primerica recruit people for their Pyramid to earn money off of?
A This was an interesting statement from an individual I sat beside in the Opportunity Meeting, and I was impressed with his boldness. A viable question, which I was looking forward on getting an answer to. Although the person speaking wasn't a professional speaker by any means, they handled the question and answered no one gets paid for recruiting another person into their business as an associate. The recruiter only earns a split-commission from the sale of a product that the recruitee conducts. We are only successful when the person we train is successful in their business. Wow, I thought, that is an interesting model for a business. The boss or owner' of a business only receives a paycheque when their associates are successful? Doesn't sound like normal corporate America/Canada that I have grown up with plastered in my mind as a stable environment. So, what they are saying is that if I joined their business, they would only be compensated for their time when I earn money and achieve success in my own definition? This sounds phenomenal, because it reminds me of my days as a university football player and the team effort in which was required to achieve success for the coach who also represented the team and community. You often hear about how lazy and incompetent people are as employees, and how the company has issues with unproductive workers. Well, a business where the boss has an inherent desire to make their employees successful interests me, because he only gets paid when they work hard and produce results for the consumer So, doesn't Primerica recruit for money, NO! Do they recruit hire and train motivated and results focused individuals for their business, YES! If you are a lazy, unmotivated employee who earns a 9:00am 4:59:59pm paycheque every two week for doing some work in-between regular coffee/water cooler breaks and MSN Messenger or solitaire games, then you probably will not appreciate Primerica or the people they are looking for to expand their distribution system. You are a trained employee who wouldn't comprehend a real business if it smacked you in the face.

Q Primerica just tries to sell me stuff.
A Define stuff. I will for you if that is what you think financial services are all about. Insurance is the basis for any successful game plan. Protection of an income, especially the breadwinner is critical if there are dependents on that income. Mutual Funds or Segregated Fund (investments) are very important to the average consumer. See, there are ore aggressive and comprehensive investments than a specialized mutual fund, but those programs out there are usually not available to 90% of the world who doesn't have $100,000 to start an investment into. The way Primerica deals with investments and retirement planning is fantastic, and truly a unique business system in itself. Another time for detail on this one. Also, no one is saving in America or Canada these days, which is somewhat of a problem because social security is also a JOKE along with company sponsored pension programs. Debt is out of control. If you have debt, why do you have it and how are you going to get out of it. If you don't know, I suggest you contact a Primerica Regional Vice President and ask them how they can help, because PFS is the only company that can help you get out of debt and actually educate you how to stay out of debt in the future. Banks want you to save some money through a consolidation, but they don't fix the problem. The problem is that people don't know how debt works and how to properly use it. A consolidation is like an alcoholic going to rehab and then on graduating day they have a field trip to the Bud plant for a taste testing. The person needs knowledge before they can be really helped.

Q What are those Big Event Fast Start Schools all about. They are like a cult meeting.
A Let me ask you this question first. When was the last time you were at a cult meeting? I can only speak from experience, and I have attended 3 of these cult sessions where chanting occurs. I was interested in the accusations, so I did my own research and thought for myself. When you are amongst a group of excited people, cheering for each other as competing teams as you achieve personal growth and financial success there is a lot of excitement in the air. There is loud music, happy high-fiving-hugging-crying emotional men and women who have changed their lives in such a dramatic way, that I almost feel a sense of worth just being in the same room. These events are you built momentum for the next 90-180 days. Success in any business is completed in 90 cycles. If you don't believe me, read some success books on business growth. These events are to give people recognition for their hard work and achievements. Something that very few companies today ever even think about doing. Rewarding people for hard work? How about never complimenting our employees and reprimanding them anytime they make a mistake so they have a fear of not being perfect and perform better because they are scared that they will loose their job SAD!

So I am going to wrap this up here. Basically, if you are going to slander or praise a company, individual or anything for that matter, DO YOUR HOMEWORK!

Like I said before. Ignorance breed ignorance, and therefore creates an environment of underachieving people whom always like to give you their two-cents, event when they have not $0.02 to rub together in their investment portfolio. BE CAREFUL WHOSE ADIVCE YOU SEEK AND ABSORB!

Citi knows exactly what primerica is involved in. Citi is probably the largest source of fraud the world has to deal with.

They were involved in both the enron and the worldcom scam. Both of those cost Americans billions of dollars.

So, don't think that citigroup is the innocent bystander in all this.

Citi and primerica use this fake recruiting scam in order to find new leads to sell their trash insurance and financial products to new suckers.

If you get involved with either of these companies, you will lose. Just like thousands of new victims do every year.