Primerica is a multi-level marketing company that offers debt-consolidation and advice, insurance policies (including life coverage) and asset management programs. It is the “sister company” of the larger Citigroup – Citibank.
Primerica encourages their customers to invest their money in mutual funds rather then use their money for full life insurance coverage.
Primerica representatives typically targets low to middle-income families with some debt issues, to whom they offer to provide a free “financial need analysis”.
Primerica provides its services through a network of thousands sales representatives countrywide. The company is structured as an MLM organization, aka legal Pyramid Scheme. While this is a legal business model, sales representatives in MLM’s are often hard pressed to turn a profit because they must pay to participate, pay sales commissions to the person that recruited them, and are expected to recruit others. Very Aggressive marketing plan and may promise some things that are very hard to deliver!
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Get Your Free Grant Kit- This is the first step in the process. you have to pay some $1.95 shipping fee, but seriously, for the amount I got back from this, it seems like a joke to me now. After getting this program, I was immediately able to apply for thousands of grants that most regular people don’t even know about. It was really no hassle filling out the forms and I was amazed that more people didn’t know about it. With just 1 application I was able to get a check for $12,000 which I will never have to pay back. It helped me:
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