An Insider’s Review Of The Primerica Business Opportunity

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An Honest And Critical Primerica Review (Don’t Join Before Reading!)

An Insider’s Perspective From A Former Primerica Regional Vice President & $200K/Year Ring-Earner

Primerica (formerly known as PFS/ALW) is a financial services company that uses a Multilevel Marketing model. Over the last 33 years, the company has produced a multitude of 6-figure and 7-figure a year earners. In early 2010, Primerica went public after breaking ties with Citigroup, it’s long time parent company. Currently, the sales force is made up of 100,000 licensed reps. Primerica is a legitimate business opportunity and has maintained a good rating with the Better Business Bureau.

However, there are some very significant pros and cons to Primerica’s Opportunity. In this review, I’ll give you a brutally honest Primerica Review, list the pros and cons of the business and address the question of whether or not it is a viable opportunity for the average person to make a significant income.

First, let’s start with the Pros:

1. Primerica gives someone with NO experience at all in financial services to join the company and get licensed and certified to market financial product.

2. Primerica offers a part-time opportunity for it’s reps. This is a huge feature since agents can learn the business at their own pace while making income from their jobs.

3. Unlike most Multilevel Marketing opportunities, someone can make a decent income by personally marketing products like insurance, securities and mortgages.

4. Primerica provides a lot of support, mainly due to the training available vie RVP-run local offices.

5. As mentioned earlier, Primerica has one of the most documented track records in the industry and has produced many 7-figure a year earners. Currently, there are almost 70 leaders in Primerica that make $1,000,000 or more in yearly income.

Now, let me give you the Cons…

1. The product training is basic, which is sad for some clients that are being serviced by new reps. As for me personally, I would not want my families finances handled by a financial rep that has little to no experience.

2. Primerica pays a much LOWER commission to reps when compared to what they can make if they were an independent financial services rep.

3. At Primerica, you’re a “captive” agent. In other words, you can’t offer other company’s products and your clients are NOT your own. Without the ability to shop around for the best possible products for your clients, you may be selling them products that aren’t suited for them. While shopping around is a regular practice by independent reps, it is strictly forbidden at Primerica.

4. You lose approximately 80% of your team’s recruits because of licensing. The company stats indicate that ONLY about 20% of incoming reps pass their life insurance exams. What about the eighty percent that don’t pass their exams? Basically, they fall through the cracks and become a statistic. Imagine building a group that is recruiting 100 new people on a monthly basis. Think about this, out of those 100, 80 were people you couldn’t build with because they coudn’t pass their state tests for whatver reason.

5. This is a important part of the comp plan that isn’t shown in the presentation – When you get promoted to RVP, you give your best one or two legs to your upline RVP. This is known as “ownership exchange”. Imagine, working your tail off to earn your Regional Vice President promotion, only to pass up your best leader(s) to your upline and starting the building process all over again… Only this time around, as an RVP, you have office expenses to worry about and you are full-time with no other sources of income. By the way, Primerica requires it’s RVPs to be full-time and forbids them from making money elsewhere. This is extremely important to know if you are seriously considering the Primerica Business Opportunity.In other words, if you are interested in building multiple streams of income, you can forget about it once you hit the RVP position.

In closing, Primerica is a legitamite opportunity where someone can learn how to sell financial services and build their own MLM team. Just be sure to do your due diligence on the compensation model so you know exactly what’s in store for you.

So… Should You Join?

If you’re looking for a business that doesn’t require HOURS of financial product training, the probability that you’ll lose a ton of people during the licensing exams and the fact that you have to give your upline your best leaders, then Primerica is definately not for you.

However, if you’re interested in the idea of recruiting financial reps and potentially opening up your own financial services office, then Primerica may be what you’re looking for.

Financially Fit For Life System By Steve Down- A Review

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Are you having problems getting rid of your debt during these troubled times?

With the state of the current economy, it is vital for us to understand how to manage our finances properly if we want to avoid being financially troubled. Even if we already have a substantial amount of debt, it is not too late to seek appropriate consultation from reputable debt management services out there.

Today, a huge number of American middle class families are looking for debt relief help because of the inability to service their mortgage payments in time. This has become a major concern for everyone involved as it affects the well being of their family. With so many debt relief programs available, it is rather overwhelming for someone to decide on which program to choose.

Financially Fit For Life System is a financial mastery program by leading financial expert Steve Down that can revolutionize your financial life.The core of the program consists of 7 important steps which are:

Step 1: Wealth Awakening

– Learn that wealth is a choice
– Sign your own personal wealth commitment
– Create your personal “Wealth Vision Statement”

Step 2: Miracle Mind

– Discover wealth creation starts in your heart
– Find out the 10 Passion Killers of Wealth
– Take the Rich Man/Poor Man Checkup

Step 3: Cash Flow For Life

– Find our if you’re running on a “financial treadmill”
– Step onto the “scales” for your financial wieh-in

Step 4: Security For Life

– Discover if you’re compatible with money
– Learn the “10 Warning Signs” of a “financial coronary”

Step 5: Debt Free For Life

– Take steps to be debt free, including mortgage, in 5 years or less

Step 6: Wealth For Life

-Learn how you can achieve 10X wealth

Step 7: Wealth Transcendence

– Put it all together and live in abundance-financially free

If you are currently having financial difficulties and would like to learn how to manage your finances and become financially independant, I personally recommend this course for you. Steve Down is so confident that you will achieve success through the Financial Fit For Life System that he is giving away his Financially Fit For Life Audio Course for free (no charge and no cost- not even shipping and handling).

The Financially Fit For Life Audio Course can help anyone to quickly and easily erase all their debt, including their mortgage and uncover $300 to $500 a month or more. The techniques are guaranteed to make you financially free in as little as 5 to 7 years by doing simple tasks that only take a few minutes per day to do. All he wants in return is for you to share your success from the course with your family and friends so you can play your part in helping them as well.

Stop being a victim and start taking control of your financial future by making the right decision. The economy may be in a bad state, however, you can use this as leverage to build your wealth and grow financially stronger and never be affected even if a recession comes again in the future. Take this chance and claim your free Financially Fit For Life Audio Course today!

Atlanta Mortgage Firm Urges Borrowers to Apply for Jumbo Loans

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The jumbo loan market is the only bright spot in an otherwise shrinking mortgage market, and an Atlanta company that specializes in refinancing and purchasing of homes believes those dreaming of buying their own home should take advantage of the favorable market conditions. Christensen Financial, Inc., an Atlanta-based company that lends to those dreaming of buying their own homes or refinancing their properties, says that a lot of financial institutions are now relaxing their rules in order to cater to well-off borrowers. It cites that even the big banks in America are stepping up efforts to get more affluent borrowers, while keeping their credit rules tight for other customers. These banks are allowing assets in accounts of their borrowers to serve as collateral, reducing rates for customers with investment accounts, and even accepting lower down payments. In 2014, applications for jumbo loans rose by 4.9 percent, proof that more borrowers are cashing in on the relaxed rules of banks on this type of financing. Jumbo loans are available only to creditworthy borrowers with an average FICO score of 760. Christensen Financial, Inc. advises families and individuals to apply for jumbo loans, or those with a minimum amount of $417,000, so they can buy their dream properties. The firm says home owners in Atlanta and nearby areas wanting to apply for a jumbo loan can visit its website where they can get free quotes and even start their jumbo loan application. About Christensen Financial Christensen Financial is a mortgage company for people looking to buy or refinance their homes. It is backed by a team of highly skilled and experienced mortgage professionals. For more information, please visit www.jumboloanmortgages.net. Contact Details Lynnette L. Collins947 Courtright Street Balta, ND 58368

Bankruptcy Lawyer – An Asset You Need for Your Financial Freedom

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Handling your finances can be a tough ordeal, especially if you lose a job. Before you know it, you could be in over your head. If this is so, then a bankruptcy lawyer can help. Find out how one can benefit you.

Helps stop harassment Getting harassing phone calls is one of the worst things about being in debt. Your phone may ring early in the morning to late in the evening. This is because many creditors do everything they can to collect a debt. However, some practices can be illegal. If you’re being threatened in any manner or simply experience a call that you feel isn’t right, then you need to get a bankruptcy lawyer as soon as you can.

Knows the law You may think all you have to do is get the proper paper work, file with the courts and leave. Yet, if you don’t know the law, you may be doing more harm than good. That’s because there are different types of financial ruin and your bankruptcy lawyer knows the difference. He or she knows all the aspects of this type of law and can help be your guide so that you experience the best possible outcome.

Offer peace of mind One of the best reasons to contact a bankruptcy lawyer is simply peace of mind. Trying to wade through all that goes into filing for financial ruin can really be a tough situation. You’re already stressed out and can only take so much. If you’re constantly hounded by persistent creditors or are afraid to check your mail because of the letters that discuss legal matters such as suing you or garnishing wages, you need an attorney fast. In the end, you can leave the details to him or her so you can rest easy again.

Save you money The whole point of filing for financial ruin is to get out of all the monetary problems you’re having. However, there are some people that get caught up in a ton of other details that simply waste their money. You may get letters in the mail from companies that claim that they can help you get out of debt. The catch is that you need to pay them obscene amounts of money. Sadly, this can be scammers looking to take the little money you have left. A bankruptcy lawyer is a legal expert that knows just what to do to help you get through the process without causing you an extreme amount of money. Best of all, you’ll know you’re working with a pro that can assist you in all your monetary and legal troubles regarding debt collectors.

Save you time If you try to handle your financial difficulties on your own, you could simply waste a lot of time unnecessarily. That’s because you don’t understand all the details and red tape that can be involved in filing for financial ruin. There are multiple legal issues that only an experienced bankruptcy lawyer understands. The best thing to do is to make sure you have one of these legal professionals on your side if you want to speed up the process and be done with worrying about your debt and annoying calls from creditors.

Blue Sapphire Intense and Immediate

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Blue Sapphire or Neelam stone is primarily known in the world of astrology for its two characteristics. The first one is its ability to bring an immediate impact on its wearer. Second aspect is its intense nature of impact. If favorable, Blue Sapphire can take one to the land of heavens, but if unfavorable, then it can turn everything flow against the tide. Its nature of extremities has proved to be too good for many, and not too-good for some. However, with support from its trait of making a quick impact, one can adopt it initially for some time on trial basis, to evaluate its suitability and nature of impact.

The Very Particular Blue Sapphire During the trial period, one is recommended to keep the Blue Sapphire gemstone under their pillow at the time of the sleeping. Repeat it for three days. Usually, one will sense its impact from the first night itself, in the form of the nature of dreams which one have at night. In case of pleasant dreams, Blue Sapphire can be considered as suitable and favorable. However, evil or bad dreams during the period denote for unfavorable outcome from the gemstone. Bearing Blue Sapphire or Neelam in that case can lead to dreadful circumstances, such as accidents, health problems, quarrels, and financial loss. One might also lose all his luck and end up with nothing in life.

In case of a favorable Blue Sapphire, one can gain a lot. As already stated, one can sense favorable outcomes within 3 days, 3 hours, or sometimes even in 3 seconds of wearing the Blue Sapphire. More precisely, Blue Sapphire or Neelam is considered to confer its true and devoted wearer with plentiful of resources, prosperity, strength, fame, longevity, and pleasure of children. It also restores one’s lost wealth and material property. It also liberates one from all health problems, sorrows, guilty, and poverty.

Saturn and Blue Sapphire In Astrology, Blue Sapphire is associated with the planet Saturn. Saturn has been described as the strongest as well as the most malefic planets of all, which eventually ends up giving pleasant results. As a part of malefic effects of Saturn, a person suffers from lack of fortune and too many of disastrous situations. However, at the end, one comes out happily. With Blue Sapphire, one can overcome all such ill-effects. It is equally effective for those under the influence of Saade Saati effect.

Wear Blue Sapphire A blue sapphire of less than 3 Ratti (or 360 mg) should be worn according to a prescribed ritual, which has to be performed only on the day of Saturday during sunset. One should wear it after getting it embedded either in silver or iron ring, in the middle finger of the left hand. Before that, keep the ring with gemstone poured in water for the entire Saturday, and then offer the used water to the roots of the peepal tree in the evening. While wearing it, one should chant the Mantra of -Om Aim Hreem Shanecharaya Namah-. After that, offer prayers to Lord Shani, and donte black urad, salt, mustard oil, soap, tea leaves, and some money to the base of the trunk of peepal tree. Do it as per your own capacity.