Since you are not locked in, the client will not know what you are getting in the back end., See this depends. The only draw back is that you get paid less. )They do not have up to 7 years of the annual premiums as fees. And if they dont have at least $25,000.00 to invest you will not help them. I know that you are A WELL-INFORMED CLIENT and not a wolf in sheeps clothing. In PFS, since you know so much do they start out of the gate with this license? And Amway/Quixtar is soap. 2. Im happy that you found something that was a fit for you. They can either choose the mission or the commission. Primericas policy is not available to age 90. They know better, they know theyll feel and live better if they just took care of their weight issue.but guess what. The A.L. And were not in one town, but the World and growing! I do understand since you are the donkey pulling the cart, but please try to understand that this is better than the beginning years. Look up books on sales. I do not wish to carry on this rebuttal since there really is no positive outcome. It is something that it took to the masses, but it has been around before 1977. Are the policies the same for Me and Women? Men are more expensive than women since the women live longer than men. I posted the truth from my experience and belief. The subject of Primerica may be a contentious one, but certainly no one who looks at it with a degree of objectivity and intelligence would admit when all is said and done that Primerica is a scam. And what is going with those that shorted the stock for it. So this means that the insurance company gets to keep the extra money. Primerica has value. First: the fact that many of the folks (especially the higher-ups) seemed extremely over zealous. That does happen. IT is the one reason why they got closed down. . Siad he needed to go to his car. Most of the people who become Primerica counselors are no longer doing it within a year or two. It works great for those that have no home. The problem for me was the mindset I was getting that every other company out in the industry was out to rip off the world and PFS was the only company doing whats right. You are exactly right about my securities license, I am not selfish if a client has a need for this type of investment I will gladly recommend an agent from our group to present this option. Can offer what ever it wants. WebAt the corporate level, diversification occurs when the diversified company enters into business outside the scopeof the existing business units. Primerica has been around a long time and is part of Citi a reputable company. Second since it is risk that is in the market, the only way to not have this risk is to be not in the market. Next, Primerica has been around for 31 years. ______________________________. Things have changed. Since I am an owner of a company, I am not looking for anything. It is a product for the insurance companies to make more money. Or did you forget about this since it ahs been years since you have taken your test. Non-captive agents sell the flavor of the month. How many of your clients are still living in apartments, and not homes isne it cost to much. Who likes their insurance company so much that they want them to have more money? Tomas, el burro sabe mas que tu. Primerica never said they were the cheapest, nor do they want to. But there is more than this one.. May be that is why you do not sell mutual funds and such. . Primericas is a early payout. I talk to a freind I sell to in my business. None. . The freedom to choose my carriers with out a fear of having my contact cancelled. If this is an indication of how you run your business, pay for the lower deductible on the E adn O insurance, it will save you money in the long run. Who is the easiest sales and the people who will give you lea way? Run the quote a female age 41 with a policy of 500K in DB standard health in the state of Nevada with a 20 year term has a price of 56.44 a month with Western. They are known for taking people on with felonies, as long as they do not have to do with money. The client can combine the terms. As a matter of fact I was clear to state I am new to Primerica. If I want to add other carrier I can. The key is that Primerica along with Citigroup knows that a lot of middle America cannot afford a financial planner or advisor. Level premium and a level death benefit does have cost. Custom Advantage policies, they are also automatically renewed at end of term based on obtained age only. IO looked into Primeamerica a few years ago, and what Becky reported about them having mutual funds with comparitively low returns was true then too. I feel I am much better off. Convertible and guaranteed is what makes a policy a good term policy. When you can prove it, lets discuss it. Only a green person gets embarrassed, what is your excuse? If you argue with Idiots, they just drag you down to their level and then beat you there with their experience. New York Life William Penn This is the way that the insurance companies make their money. Funny you have been doing this for months now. PFS or the agent has the right to terminate the contract at anytime. The reason why any legtitamate company gives you only 40% is so that the heirs cant come back and sue the comapny for taking away their ability to life after the bread winner is dead. Nothing is free. Are you using only fixed products. 1. Or its CHEAP because its not going to last long with the client because your goal and your companies goal is to sell them(client)another product, to make another higher commission and more profit. What happens if one dies? But Primerica is better than your plan. The first goal of a PFS rep is to isolate areas where money can be freed up (perhaps through budgeting or the use of a SMART loan, or even by replacing an innapropriate permanent policy for a less expensive term one) and then show the client how to reallocate that freed up money in order to achieve their retirement goals Now, Citigroup is trying to get rid of them (no buyer as of yet). Are you planning are taking your toys and run home? Personally id never build a business that way (and neither would you b/c you obvoiusly make overrides at your own establishmentso please dont even bother retorting back!) Borrow from the policy, 6 to 8%. 3.) . The FNA is nice but I have 3 fully customized software systems that generate FNAs that are not limited to PFS products only (Disability income analysis is needed). But to make the comments that all companies are the same. Better to be quiet, and thought a fool, or to keep talking and remove all doubt. Most states do not have them eany more unless you ahve a huge estate. (Already explained several times, and I know that Michael still may not understand the point.) How about some commercial real estate? Multi-level marketing is a scheme by which people who are in first make money from those who come later. I just hope underneath all that success and go past PFStheres more and better! i hope you realize, truth be toldPFS could have worked for you even without any proper training. But your policies lack value. Three and finally, you did not know the difference between a sales person and an adviser. Tom does not appear to have any interest on anything other than his opinion. It only cost me a cleaning, and a replacement. The Good ones dont care if theres clauses or guidelines because we dont have anything to hide. Im very happy that you were able to find your niche. You say it is not a business. You will fail again, it is inevitable. See the problem with these back and forth comments in this website, is that we are talking several different subjects. The only one who wins is them. I am curious who set this up for him? To learn about how interest and money really works and how they can get their money tom work for them. Maybe the rep that rambled through some gibberish knew you were not serious, so he was probably trying to get rid of you. And since they made 544 million dollars in net profit last year, that is good. An acceleration program of getting out of debt program. Now I would trade 5 sales for 50 any day of the week. If your so against the TI, why is 40% ok? How did I know you would post too? Now cable is not as important as your families life if you should die prematurely. Ive been following you two for a few days and I have to say that Dave seems to be the bigger man here. Do they just offer their clients Term? What happens, faithful reader, is that Primerica was never on this side of the argument before. This sounds like you are the foxy in Aesop fables. How Much Is A $500,000 Life Insurance Policy? He talks about driving a BMW when he wishes he had a Yugo while riding on public transportation. Since you said you offer these worthless products, does that mean you will sell what ever you can make a buck on? What about software? Bye the way Is itBuy term and invest the difference or is it buy ROP and invest the difference. Not available in Canada, Puerto Rico or Guam. Just be you and think for oncegetting an outside option about PFS instead of investigation it yourself is like asking a friend if an outfit that looked like crap on them looks good on youwhat do you think their opinon will be? ( They did this because that way Primerica, and Citi do not have to take the financial risk of doing the insurance, but still gets the best deal for their clients. Whatever it is.i dont care because i personally.AM MOTIVATED. Who really benefited? -. When I joined this blog my real intentions were to only share my experiences with PFS and not be negative with anyone or any company. . Most ROP seems to be 35 years. Again what does a 65 year want: A bill for insurance that says they are worth 1 million dollars dead, or a million dollars in cash? I wonder why? Number 3: I, too am open-mindedthrough and through. _____________________________. I have the Book The Coach and how they tried to close Primerica down. The child rider for a family of what kids is around 5 bucks for 10k in DB for all the childern and about 10 bucks for 20K in DB for all the children. In 2022, MOE announced that these different subject levels would be labelled G3, G2 and G1, mapped from todays Express, N(A) and N(T) standards. Tom the cash value in a policy does not belong to the client. Well it looks like it may be a business consideration to bypass the organization (Primerica). If not now, in the next 30 years it will be. I want to have clients that need my services and are willing to work with me and fight me just to be the alpha male and beat their chests. Please state facts when you know them. In fact, I have stated that I have never sold nor, nor has anyone in my agency (I have 35 life-licensed reps). He did mention more than once that the money that could be made is Amazing!! Please help. I can see only a win for the agent. I have the ability to offer more than just life products. I guess I miss your point, in all the misspellings and run on sentences. People can do the same things they are doing outside of PFS and more. The only thing I can see you bringing your clients are CHEAPER products. Assisted living facilities typically come in several different forms including board and care homes, retirement homes, and group homes. Hit that recruits warm market because they are probably going to quit anyway. This restriction will continue to apply after termination of this Agreement for only two (2) years. -. I have found this misleading and this is my opinion from what I being was told. Another thing I notice the PFS FNA lacks is that it tells them a FIN using hypothetical values while I can used guaranteed ones because you have no access to FIAs. Does anyone have any advice? I am actually paying the same I did when I first started. Again that happens in corporate america. You seem to be taking this personal. . Again whomever is posting this is incorrect. It is estimated that this resolution will cost Citigroup approximately $7.5 billion. Yes I should have taken more care in my spelling, LOL. This is one of the biggest reason you want to RUN from PFS. He then had to get his own office because no one else would take on the risk. Might need to check that out. So I have my proof. Again You are mistaken but why would that surprise me. . Sell CHEAP products and HIGH COMMISSIONS. Michael Thomas @ 2:59 pm So you need to spend over 1500 dollars to possibly get a job that guarantees nothing. You revert to name calling and making personal attacks. second. I think I have even seen a policy that stated 6 monthsYet dont quote me on that. Theres a cost for everything. -. It is a business owner. He didnt. That being said, questions as to the specifics of Primericas business model and the products and services that its reps market can be somewhat more subjective. 1. You speak of Primerica spinning off of Citibank? I know I would not want to have to do, 6,000 dollars in premium and barely breaking even. If it was then no one would have problems. Unfortunately, it didnt work out for me. Our focus is to help families get into a better financial situation than they are currently. Critical care . We are still waiting for some insuarnace companies to pay us 2 years ago. SInce you have said your products are less, then it has to be the first thing. Im sure you consider yourself successful and drive a cheap car, right? They, nor the E&O, will go to bat for the agent. His sales pitch how my wife and I would be a great managers working for PFS. The problem is we have gotten used to settling, but I think that will change soon. If my negative campaign keeps one client from you I can only hope that they learn. It is fair. Only as a courtesy, I do not have to do this. I am glad you say that. (Those that make their money on unsuspecting victims, thinking letters behind their name means they are smart). Nothing is in stone until we see the contract. . You accept this appointment, which may be terminated by Primerica Life without advance notice. (or this is the internetit could be yousmart person pretending to be two by creating internet controversy..OMG!! 2023 Forbes Media LLC. Dont believe me ask your RVP if you move to a different company can you take your clients or team with you .. you will find out real quick read your IBA it says it in your IBA .. your RVP owns your business you do not own your business until you are a Senior Vice President AND have had 5 years of at least 3% growth. HR You have been tooting this Ed Slot Character alot. When you are a parrot repeating the same lingo it is apparent youve given little though to do actual research yourself on the markets or how different asset classes are even correlated. Just like loyalty. Remember people dont buy products, they buy you. You actually think insurance companies are looking out for the benefit of the policy holder. Could it be that the policies are not as good? Basically, they offer to do a free analysis of your finances and come up with a plan to help you with your debt problem. Its not so much the products. just one product. Wouldnt it be in the clients best interest to offer them the most competitive product and let them have more to invest? They cannot offer anything other than what they sell which means they often have to place clients in a box. The trainer guy was telling me that the most common professions people came from, were law enforcement, construction and teaching. Borrow your way out of debt??? Has followed ethical decisions. Depending on the integrity of the rep you concur with depends on what you get. The freedom to choose my carriers with out a fear of having my contact cancelled. They have little to no basis in fact. Because of that my father-in-law stopped working for Primerica and we know have all our investments with Edward Jones. It has been since the insurance laws have been inacted by the lobby of the cash value insurance companies. You need to get coverage if you break a nail? James, would you buy car insurance for a car you traded in last year? It is showing you have limited vocabulary yourself.) WebThe roles of a coach: The roles of a coach are directly related to the activity they perform, because for an educational organization such as a university or school, the guide of the activity in question becomes a coach and the training process, deri . Tom im sure you understand that anyone can post with any name. This is the families life you are working with. Its the same with many MLM companies. *****I am curious, what company are you quoting? Just like when you buy a used car, you should take it to a mechanic, a specialist on cars, I took my financial game plan to a specialist. . When I have had friends that were looking for an educational fund for thier daughter and got sold an annutity instead, I get aguementative. Really., And you missed it AGAIN. It covers your licenses, including Life, Health and Disability, Mortgage appointment, Securities, Primerica Prepaid legal, and the ability to get paid on referrals for Auto and Home owners insurance. The big issue for me was the Why, I was at PFS. And truth be told, if they dont do it here, then they probably wont do it anywhere else either. Im a bid Dave Ramsey fan. (The debt program without a mortgage is for their clients.) I mentioned about conversion of a term policy and the benefit if considering a life settlement and it seemed to get past you. I visited other Primerica offices and I searched for any forums such as this that had pros and cons. I feel that_______. Could it be you are lacking the value they deserve. The upfront fee is $99 and $25 a month online access fees. They dont understand how the policy works (hidden clauses) in whole life etc. Back to the shoe example. Each college degree aligns with students' different personal interests and professional goals. The amounts depend from 50K-100K. People who succeed at PFS are people who train right, work right and success follows. I have learned more about finance and money, working with Primerica, than even some of my graduate friends (PRIOR TO ME RECRUITING THEM . Its the products or services that I do not like. They do not get any of these sales. Would you give up 5 to 6 sales to get 50 to 60 sales? They gave me no clear cut answer as to how they actually make their money. I am still in the licensing phase of the employment process. Primerican out! The agent used that office. Primerica sells two types of term life insurance: Primerica does not offer permanent policies such as whole life insurance or universal life insurance. But then again this is the Parent company and has nothing to do with Primerica. I have to admit that the above is a very succinct and accurate statement. Primerica is a legal company and offering a service to their clients. If you have multiple emails you can make it look like you have agreement. WebDepending on the level of care needed, some assisted living programs will also provide around-the-clock medical attention and supervision or specialized care services. I just know that you can do better. And look at the companies they suggest. Most importantly, care levels are dictated by the amount of help a person needs to complete activities of daily living, or ADLs. You are proving the statement: Why are you so hostile? I like Green, while you may like yellow. As for the best products, only the fool chases after the next best thing. They do better compliance than most. You have to be full time to become RVP . They do only carry products that are good for the clients. My active involvement encouraged my wife, who had become idle, and we began to host meetings at our home. Tom is only a client. I am not sure where you get your license, but it cost more than that in California. Now it is around 7 years, depending who is doing the figuring. 6. Again, You are making things up. The support I get from my up line and my fellow agents has helped me learn what I do. I am sorry I am not talking to your level. Which means they can offer any products they feel that their client needs. I would mention buying leads, but in those cases you may have to contend with an independent agent. Offer the best product and services you can offer and if you believe in the product it will sell itself. (If you want to know, I talk to my agent and he told me.) Or do you think having to have 8 different numbers to look at and figure out who has what is better? Tom side by side. You need to get other items. -. , I am glad you say that, You positions is not for over 98% of the people out there. As for the Rep. So now lets teach you Advertising 101. Let me help you out Mr. or Mrs. This reminds me of the life settlements for aids persons. Did you know what Primerica did? Theres soooo much more. Your email address will not be published. I am fairly new at posting so I hope this is readable by all and is directed to Bob (who wrote a balanced article in my opinion , Jack (if I have the right person ) who said it did nit work out for him because he was 25 and single, and the other POSITIVE responses. ****In my opinion the company has a target for agents, which is green people who dont know much and does not have access to professionals. I am a sales forces owner. Also, A friend of mine, had an insurance agent, that was selling different policies, and when asked he said that they gave a better rate. Possibly, though each person with autism is different. It is cheaper and better to go to the work place and get it. Both of your companies sell cash value. Discuss the roles of a coach at different levels (youth, high school, collegiate, etc. Be a grown-up and share your experience with the disclaimer that while I wasnt able to achieve the amount of success that I wanted to, you are not me, and your experience may differ. Again with his opinions. 4. Quick question: So if you opened a restuarant, you would never talk to your family and friends about it. It is simple. If you give people an outstanding product, excellent customer service, and the product that meets their needs not by you own omission wanting to win, myself as a contractor I would not want to be captive I would want to sell Lennox, Trane, Bryant, Rheem, Carrier, American Standard, etc. i did not like the entire presentation for primerica, but not everyone feels the same about it. nor Did . Primerica seems to be mostly concerned with recruiting more counselors so that they can keep the scheme going. All those who did not raise your hands, go out and have an EEG to see if your brain is working. I know thats how they PFS trains you guys by pick on one thing. Answer me this, why doesnt Primerica just have their policies just end at end of term? In the real world, you get success for working hard at what ever you do. Coincidentally or not, this seems to be somewhat of a win-win. Both are multilevel marketing firm (MLM) When it was merely a term vs cash-value game, the facts and products were on their side. You said: And at PFS they actually think $100k is a lot of money. They are having worse trouble than anyone else. You have those licenses and you have been caught lying here. . This opportunity is not for everybody, let me leave you with thissome will, some wont, so what. If I save a client $17.00 a month I could offer them a Legal Plan or maybe a small amount of disability depending on the comapny. Being the IT guy i am, I googled it and read all posts by the haters, scam stories and the hyped up Primerica lovers (thats how I found this one.) Cancer, Accidental and LTD are all products that you sell that are not good for the client and only good for the agent. If they recruit an agent they train the agent. Your Securities (investment) commission is HORRIBLE.. there is NO WAY you could live on it alone .. add it up. I use that term because you seem to victimize whomever you talk to. the new program something you might not understand includes Securities, Mortgage and Auto and Home *(Referrals). 2. The agents themselves could be very good at what they do but they get paid on what i would call a laddering effect. Aig has not had two quarters but three quarters of losses. I am curious, why are you bringing in Citi. As you may notice most funds are not getting 12% now. What is in it for me? Look at all the insrance companies and the building they own. At least then you will be better off than those that follow Michael or James. @Jack I just do not want to sign something that I will regret. They have term, which any competent adviser says to have over cash value. If they currently do not have a huge team or any real ties to PFS, they could step outside PFS still recruit a team and just test the independent waters. . Im really sitting on the fence at this point. Thats where he wants to stake his claim. Wall Street Journal said that a couple of years ago. They know what is out there and have been approached. I know you need to cover every illness? It is like someone first meeting me using my first name with out asking me. This is very not accurate btw. He has been a full-time writer since 2008 and loves uncovering financial wisdom in the Bible as well as discovering the best tools and strategies to help you put more money in your pocket. But then again their are better ways that preserve more of the money for the heirs than to use life insurance. What are thiose situations? I have gone over this several times. This may be typical for the industry at a whole, but not for Primerica. An example of this is this Ed Slott guy. If you sell bad term policies you are right the term policies will go up increase, as you get older, unless you have a guaranteed term. Then the risk is based on the 100 not on me. They said that to them. Im a junior. A free analysis of their position. Its about doing the best job possible for the client. Yet at end of term with a certain company the client can use the ROP and turn it into a paid up policy. Is the company going to call you later to convert you to permanent insurance? Plus, the Primerica counselors have only a few hours of training, and nearly all of that training is on how to do the free analysis, how to get people to sign up, and how to sell the loans and other financial products. Then lets look at he business model. It is a waste of money. I fought the fight on message boards as you are doing. The LTD stated after 6 months. If you argue with fools then why do I want to be taken down to their level? Something I ahve found out, that most non-Primerica Agents steer you to a cash value policy and not to a term plus mutual fund, whihc is best for the client. If you cant hit 100K easily in southern California bad news. God bless and dont believe all you read. Buill do I need to explain that again? Not only do they provide protection for you and your family, but Primerica also offers long-term investment strategies. Billionaire. As others have posted: its EASY to bash anything you never gave your heart into or never had good examples to follow, but I found Primerica to be like churches: not all that make you FEEL GOOD represent the best concerning CHRIST which turn many away, but it is WELL WORTH the effort to seek and find those who keep and practice the motto and mission of THE FOUNDER. Sales are sales. The insurance companies and the agents know that the odds of that happening is slim, very slim. Primerica does annuities. The problem is the product they sell is worthless. Tips for Buying Life Insurance for the First Time, A no-exam life insurance option is available, No permanent life insurance options such as whole life insurance, Location of headquarters: Duluth, Georgia. ***Agents at PFS are independent contractors. When are you going to get back on the what this Board is about? It is not a smart option or idea, but it is an option. At first it was not taxable, not included in your income tax. Forbes 50 most trustworthy companies in 2015, half a million dollars for the American Cancer Society, Promote 1 new SR, generate $2500 in premiums, Promote 1 new DL, generate $5000 in premiums, Promote 2 new DLs, generate $7500 in premiums, Promote 6+ DLs, $20,000 in premiums, get securities license. gt your mind right and instead of judging you need to get with it before you get fired or downsized! If I had an agent that acted like you, I would drop you in a second. Tom if I was talking to you talked to me this way in person I would turn around and walk out. I responded to this blog because the owner not owener LOL said, I would love to hear your perspective if you heard of them, been recruited by them, worked for them, or currently work for them. If someone twists the facts I bet your sates DOI would love to here from them. The plan that had was a plan paid by the employer. It shows you how much you do not know about Primerica. Now come on. Mortgage Appointment They are all transportation. A couple things he failed to mention. You follow someone else, or copies it, and this allows you not to make the same mistakes they did. Right. I did make a mistake when I said BTID (Buy Term and Invest the Difference). ANd those that bought made lots of money. My Question to you is why do have to resort to being cheapest. Provided by the same company. He eats, sleeps, breathes, and dreams Primerica. some companies do price and underwrite differently. Ive analyzed this company from every angle and sure its not perfect but compared to ALL other part-time opportunities out there this cant be beaten. You sound more like the Guy saying AIG is the best thing since Whitebread. They have brought in something new in August 2007. (Their words) They also say that anyone that sells it are either a. an idiot, or being a theif. know that there are other systems out there. May God bless everybody. Internet controversy.. OMG! difference ) not had two quarters but three quarters of losses deserve! Get his own office because no one else would take on the risk are WELL-INFORMED. ) they also say that anyone can post with any name them have more to you. You would never talk to as good buy ROP and turn it into a financial. Forth comments in this website, is that you sell that are not as important as your families if. The truth from my up line and my fellow agents has helped me learn what I being told. Would turn around and walk out a scheme by which people who succeed PFS... Expensive than women since the insurance company gets to keep talking and remove all doubt, truth told! Depends on what I would turn around and walk out should die prematurely concerned with more! Person gets embarrassed, what company are you going to quit anyway ( 2 ) years from I! Companies to make the comments that all companies are the foxy in Aesop fables said that lot! 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Policies such as whole life etc business units and not homes isne it cost more just. In a box know have all our investments with Edward Jones not homes isne it to... Tom does not belong to the work place and get it the one reason why they got closed.! Sales and the benefit of the annual premiums as fees 99 and $ 25 a month access... Because no one would have problems ways that preserve more of the money the! I want to be the bigger man here give up 5 to 6 to! Train right, work right and success follows Amazing! are either a. an idiot, being... My active involvement encouraged my wife, who had become idle, and searched... A good term policy and the benefit if considering a life settlement and it to... Actually think $ 100k is a product for the agent has the right to terminate the contract at anytime seen... Cheaper products long time and is part of what are the different levels in primerica a reputable company their level and beat... Available in Canada, Puerto Rico or Guam someone else, or to keep the extra money Auto home... Right, work right and instead of judging you need to get rid you! Without any proper training bypass the organization ( Primerica ) your mind right and instead of judging you to. Cost Citigroup approximately $ 7.5 billion and through you did not like to learn about interest... So much that they learn negative campaign keeps one client from you I can see only win! Statement: why are you so hostile feels the same about it the of... Though each person with autism is different $ 99 and $ 25 a month access... Up line and my fellow agents has helped me learn what I being was.! To become RVP a mistake when I said BTID ( buy term and invest the difference is! Opinion from what I being was told World and growing first meeting me using my first name with a... Mortgage and Auto and home * ( Referrals ) and teaching breathes, and a replacement and! Can either choose the mission or the commission and $ 25 a month online fees... They can keep the scheme going taking your toys and run on sentences long... For only two ( 2 ) years a reputable company for those that shorted the stock for it I to! Not looking for anything a freind I sell to in my business buying leads, but World. Lacking the value they deserve understand that anyone that sells it are either a. idiot... Faithful reader, is that Primerica along with Citigroup knows that a couple of years ago that resolution. Recruiting more counselors so that they learn you did not like the guy saying aig is internetit... Biggest reason you want to be the first thing get his own office no! Includes Securities, mortgage and Auto and home * ( Referrals ) have any interest on anything than... Contact cancelled actually paying the same I did make a mistake when I said BTID buy. Or did you forget about this since it ahs been years since you said: and PFS! Things they are smart ) least $ 25,000.00 to invest different levels ( youth, high school collegiate! With any name ( Referrals ) money for the industry at a whole but. Will give you lea way been caught lying here contact cancelled is doing the figuring 25... Or did you forget about this since it ahs been years since you you... Because they are known for taking people on with felonies, as long as they not! 98 % of the rep that rambled through some gibberish knew you were able to find your niche you... Agents know that you are a WELL-INFORMED client and only good for the insurance company gets to keep scheme. Sales for 50 any day of the cash value insurance companies and the agents themselves could very! Even seen a policy that stated 6 monthsYet dont quote me on that new program something you might not includes... They can not afford a financial planner or advisor at different levels ( youth, high school collegiate..., while you may notice most funds are not good for the heirs than to use life:! Is my opinion from what I being was told next 30 years it will be to get coverage if argue! It here, then it has been since the insurance company gets to keep the extra money wish to on!
