It has been in the business for more than 40 years and sells life insurance through its 2,000 plus full-time employees and over 130,000 independent sales agents. Primerica policyholders can call to get general policy information, make changes to their policy or cancel their life insurance policy. Is primerica scam or legit website? Reviews and complains 2023. One person who wrote in saying he works for Primerica, says these agents are acting on their own, in violation of company rules (see the post below). If it makes up for it, the actuarial department at Primerica is legit and I’ve worked with some of them on occasion. Instead, it is a legitimate financial services provider that offers an opportunity for its representatives to earn commissions through a network marketing model. The company's unique position in the financial services industry, coupled with its valuable product offerings, makes it a legitimate opportunity for those willing to put in the effort. Some of their agents end up doing very well in their careers by helping. 95 in Massachusetts), and add-ons start at $14. ”. Is Primerica legit? Yes, the biggest problem you’ll have is new agents trying to explain Primerica to friends and families with the hope of recruiting them and gaining overrides. It is a legit program that offers real products for distributors to promote and an opportunity to build a business recruiting members. Scamadviser is an automated algorithm to check if a website is legit and safe (or not). Verdict: Legit What Is Primerica All About? Primerica is a multi-level marketing(MLM) form of company that is involved in the selling of various financial products to people. This experience was a HUGE WASTE OF TIME not to mention before you get “hired” you’re supposed to pay a nonrefundable $125. They’ve been in business for over 40 years and are a publicly traded company on the New York Stock Exchange. While there are ongoing debates on the legitimacy of the company, with some claiming it is a scam, Primerica has an A+ rating, surprisingly, with a 3. They are an actual legitimate insurance company, it’s just that insurance sales jobs (outside of the agents that sell to super wealthy clients) tend to be like this at a lot of companies. NOPE. The company focuses on the sale of term life insurance as well as providing other financial products and services including: Mutual funds. Primerica isn't a scam, it is just a really expensive product. Primerica is a legit MLM company that sells financial and insurance services for over 42 years already. Primerica has a long-standing business record that still provides legit financial and insurance products that help regular people. Since the payout is limited, Primerica allows you to go through a simplified underwriting process. Interested in Primerica life insurance? Read our review of Primerica’s plans, cost and riders. Is Primerica Legit? Yes, this company is legit. After doing some research on the internet I've realized that primerica is just a fucking scam. The BBB says the complaints are resolved, so if you do go, and want your money. . So I recently separated from the military and I’m finally in college. 1/5 ( 60 votes ) Yes, Primerica is legitimate. There is an adequate work-life balance, education opportunities, promotion opportunities/upward mobility, and a genuine sense of family and connection. The Products they offer are good, but Expensive, and their reps usually are under educated. Is Primerica a pyramid scheme? Can you make money selling their products and services? Why do some people say that Primerica is a scam? Is it true? Read more in my Primerica review…Primerica Life Insurance Company is a life insurance business based in Duluth, Georgia that concentrates on multi-level. Interested in Primerica life insurance? Read our review of Primerica’s plans, cost and riders. They are an actual legitimate insurance company, it’s just that insurance sales jobs (outside of the agents that sell to super wealthy clients) tend to be like this at a lot of companies. They don't have "employees" they are all independent contractors that "own" their own business (bullshit obviously). Business, Economics, and Finance. 81 per month for a 10-year policy,. This review is based solely on my experience; others may have different experiences. Forum Index : RegisterTry to get a fund with a lower management expense fee of 0. Get competitive rate quotes in 10 minutes or less. You will either rise to the top or sink into the abyss that’s yet to be seen by human eyes lol. They offer 10 year all the wat ti 30 year term policies that are misleading. We would like to show you a description here but the site won’t allow us. except North Dakota and has more than 130,000 independent life insurance representatives. I see many accounts on…Primerica is a financial services company that states it's mission is to help underserved communities gain access to top level investment and insurance products. . Review Primerica Inc. . •. This should not be a legal practice but. First, you apply, and then they send you a test, where you have to start transcribing following super easy instructions. Primerica offers cost-effective term life insurance to help you protect your family in the. It's a publicly traded insurance and financial services company. When asking if Primerica is a scam, it’s helpful to start with the definition of the word scam. Our goal is to empower you to make informed financial choices through education and then match you with the right financial solutions – term life insurance, investments, auto & home insurance, and more – that can help you achieve your financial goals. The BIG piece of info that i found, and my saving grace through all of this, is that the man who tried to rope me in had lost a lawsuit for inadvertently exposing someone's personal information. Being successful within the company requires hard work and traditional selling tactics. Primerica is a legitimate company with actual insurance products. Primerica is the Amway or LuLaRoe of financial services, but it doesn't mean to say that it is a scam. Sales Accociate (Former Employee) - Lake Worth, TX - April 14, 2023. is a United States-based multi-level marketing company that sells insurance and financial services. Primerica being seen on your resume would get it in the trash 10/10 times. With all of the scams and pyramid schemes out there, it’s hard to know who to trust. It certainly isn’t illegal, and unlike a real scam, it doesn’t take your money without your realizing it and the possibilities of wealth and happiness it advertises are possible, albeit unlikely. In addition, Primerica has been accredited by the Better Business Bureau since 1979 with an A+ rating. Best. Under. In short, Primerica can be an opportunity for some. They are a financial services company that helps people get out of debt and build wealth. Who. What we found was relatively tame despite the scandalous questions people ask. PRIMERICA really is a scam . The bottom line is that Primerica sells legitimate products and services (life insurance and investments), but. Primerica is a publicly traded company and has been in the life insurance industry for over 40 years which makes them a well established member in the life insurance community. Business Started Locally: 1/1/1977. However, despite Primerica’s length and profitability, many people are skeptical about the company’s legitimacy based on their initial encounter. They are a financial services company that helps people get out of debt and build wealth. 20% of Primerica employees are Hispanic or Latino. Interested in Primerica life insurance? Read our review of Primerica’s plans, cost and riders. Source: Primerica rolled through my town about 15 years ago and a lot of people I know got swept up in it, made no money, only lost money. It is a legit program that offers real products for distributors to promote and an opportunity to build a business recruiting members. Primerica is the MLM of financial planning. After 20 yrs they invited me to renew. Do not join if you do not know what you are getting into. Although some people do make a lot of money. Network Marketing. It is $99 to start which is supposedly used to get you your license to practice, but still. I have seen and heard people losing friends and family because of this. You typically lose money once you figure in your business expenses. Is Almog Diagnostic legit or scam? Reviews and complaints 2023. Shop among top-rated insurance providers to help you find great coverage for your money. (414) 281-1607. 1 billion in 2019. Appen is a scam. I think one of Ray's most important comments, was the fact that they screen out the smart people first, and knowingly. CRD#: 10111 /SEC#: 801-72263,8-26486. 0 Average Rating out of 5, based on over 100 Primerica Review Ratings left anonymously by Primerica employees, which is 3% higher than the average rating for all companies on CareerBliss. The ability to compare. The learning curve is a bit too steep for most people, so it’s not best suited for everyone. Prime America also known as Primerica only sells term life insurance. 4. So I get that primerica is a MLM/pyramid scam type thing but they sell legitimate products. Primerica life insurance a scam? Is Primerica life insurance legit or a MLM? My parents are looking into getting a life insurance through them and pushing my husband and I getting one. Customer Reviews & Complaints. To become a term life policy seller, you must complete an online application. 1 Primerica Pkwy, Duluth, GA 30099-4000. Becoming a Primerica rep requires you to pay a $199 (now $99) fee and highly recommends paying a $25-a-month fee for access to Primerica Online as noted. Type: Company - Public (PRI) Founded in 1977. You’re getting their foot in the door of your friend’s home so they don’t have to cold call clients. Forum Index : RegisterIs Primerica a scam? Economics, Business and Finance. Yes, Primerica is legitimate. There is a quote "If all you have is a hammer, everything looks like a nail". The firm’s legal name is PFS Investments, Inc. Then every one they sold is stuck with poor performing investments and the. We DO NOT feel that there is any type of scam or scheme associated with Primerica. Primerica’s business structure is different from most insurance companies. com: Scam Or Not? You can rest assured that primerica. 2. Yeah, it is a scam. However, Primerica is preys on the desperate and the greedy. The policy offers $25,000 to $2 million in coverage with terms of. The safety score is based on various factors such as past scam records,. Answered May 11, 2017. Primerica asks their reps for quite a bit. I don't know if Primerica has one, but if you look at MLM income disclosure statements for any available MLM, e. On their website, Primerica claims that they. A job at Starbucks would look significantly better on a. Typical day working with Primerica involves interacting with colleagues, prospecting potential clients and new colleagues, setting appointments, training on products and processes, completing paperwork and work planning. The woman who reached out to me seemed to have a legit resume, good education/background. It is a legal pyramid scheme. They recently started working with Vivint. For some people, the ability to become an independent agent and sell Primerica policies to friends and family may represent an additional value. Because it’s a scam. A huge scam. Is Primerica legitimate? Yes. Pros. Primerica was the #2 issuer of term life insurance coverage in North America in 2020ii,iv through its insurance company subsidiaries. There are about 150,000 workers and a $5 billion market value. WRONG. 7 billion. Price: $99 (One-Time Fee) and $25 monthly fee. Also, I wouldn’t put Primerica on your resume. I was at primerica for 10yrs before I resigned, yes you have to recruit to become a success at pfs, but they do teach sound financial concepts ( buy term,invest, start a business ) . I’ve written about Primerica in the past, questioning whether Primerica is a pyramid scheme, and whether PFS is a scam. If you join the company as an agent, you will have the chance to earn an income and need to be licensed in order to sell. Lastly, keep in mind that even the most reputable businesses in the world may occasionally receive complaints from dissatisfied. This differentiates it from a Pyramid scheme. Plus their products/services are very competitive to the general marketplace which makes your job selling a lot easier. Clearly primerica is a scam but to say you don’t need to spend money to get a job is a bit narrow sighted. It offers a financial needs analysis and a range of add-ons, such as riders and investment accounts. People participating in things like Primerica will lie to you about how much money they make, because they get paid if they convince you to sign up. As stated earlier, the company is a financial services multi-level marketing company whose services range from term life insurance to mutual funds, annuities and managed accounts. My experience and how I was deceived by Primerica employees. But as the Duford Insurance Group points out, people often assume it’s a scam because of the. In Summary . I got scammed when I was in my early 20s and wasn’t sure what I was going to do with my life after University. Primerica's products are available through its network of agents, who are compensated through a combination of. As most of you know, I'm looking for work. If they collected your contact list you may want to send a warning out that anyone calling from primerica claiming you recommended them is a scam. Also with the pre-paid legal services, that seems like it would be a great bonus that ordinary people are not able to afford!Primerica Review. But these are few and far between. They have a stupid ass MLM business model, but they’re not out stealing ssn’s and hawking them off. 3) There are currently over 4. One example is a blogger is selling their own opportunity and calls everything a scam to get you in (bait and switch). The products most MLMs sell is typically overpriced or just straight up nonsense. Primerica has created more millionaires than any other company. Primerica is even worse cause they’re not even selling anything legitimate, it’s a pyramid scheme to a T! Fuck Pri’merica. Whether Primerica is a legit business and career opportunity, or whether it’s some time of pyramid scheme or Primerica scam. Primerica is an MLM, and is very unique in how they run the company. However, Primerica is also a network marketing company. Primerica offers term life insurance policies in increments of 10, 15, 20, 25, 30 and 35 years, but your options depend on your age. Network marketing. Primerica is a corporate general agent that markets financial products, including life insurance, through independent contractor sales representatives. flora_pompeii. Only three. Yes, Primerica is legitimate. Work wellbeing score is 79 out of 100. However,. Years in Business: 46. In 1977, we pioneered the “Buy Term and Invest the Difference” philosophy which solves two of the biggest financial needs nearly every family faces – income protection with term life insurance and saving for the future. If you do well, you can make up to 95% commission by simply selling the products and this is why it is considered one of the highest-paying MLMs. Yeah, it is a scam. Founder: Arthur L. In 2018, Primerica paid cash flow to its North American sales force at an average of $6,069, which includes commissions paid on all lines of business to licensed representatives. But what they provide is poor value to you as a consumer. Primerica’s annual revenue was a cool $1. They offer 10 year all the wat ti 30 year term policies that are misleading. Also, legit companies pay for training. Constant love bombing to keep you “in”. Is Primerica legit? Yes, the biggest problem you’ll have is new agents trying to explain Primerica to friends and families with the hope of recruiting them and gaining overrides. Like anything, it depends on how much you put into it. 1 Primerica Pkwy, Duluth, GA 30099-4000. 2. Milwaukee, WI 53202-4310. Primerica has over 2,000 corporate employees in the United States and Canada who support approximately 130,000 independent, life licensed representatives across North America ii. Despite having legit financial products, at the end of the day. I got scammed when I was in my early 20s and wasn’t sure what I was going to do with my life after University. Primerica fronts as an insurance company. Your ‘agent’ might be a family member or a friend rather than a licensed agent. They do offer legal financial products and are even publicly traded on the stock exchange. Founded in 1977, Primerica Advisors is an independent financial services firm serving clients in the United States, Canada and Puerto Rico. The Primerica sales network is why some people consider Primerica a scam. Primerica is a financial services company serving the middle-income market in the U. So, then there are MLMs: These weird from out of nowhere companies that pretend to have some sort of connection with Primerica. It’s a legitimate business opportunity with an A+ rating from the Better Business Bureau. Scam or not, though, to succeed with this MLM, you’ll need to go through more training than with other MLMs. This should not be a legal practice but. Like dude I work with legit companies and I know a damn scam. Also very cult-like. ago. is a United States-based multi-level marketing company that sells insurance and financial services. Based on a Google search, Primerica is a multi-level marketing scheme. S. It's their hiring practices that are scummy MLM stuff. Not technically a scam or pyramid scheme (in legal terms anyway), but it more or less is, and it's a bad idea. Because of this, they pay a commission not only on the products you sell but also on the. Now as of 2021 there is 108 million dollar earners. [deleted] Primerica is a life insurance company that sells term life insurance nationwide, with a multilevel marketing structure and. Also called Prime America at times, they distribute financial products to North American residents. primerica. Primerica is a legitimate insurance company, yet the agent side of things is totally MLM. It’s not a scam nor a pyramid scheme. As a matter of fact, Primerica’s work environment earned such high praises that they were named to the 2021 Top Workplaces USA list! Primerica is a legitimate company with an A+ rating from A. You make more than that in 3 months working minimum wage. Examples and Templates for Asking Your Boss to Work From Home. Since 1977, when the company was founded, it has grown its popularity to the largest financial and insurance service organization in North America. This company is most certainly lying and bending the truth using double talk to paint a picture so perfectly for you that you needn't ever think to hard about It. Primerica’s TermNow policy is the company’s sole life insurance offering. So, is Primerica legit? Absolutely! They are the second-largest term life insurance carrier, having insured over 5. It was founded by Arthur L. Getting a license through them will probably be good for Primerica and Primerica alone. Primerica Financial Services has been around for some time now and is well-established in the insurance and financial sectors. A family member is pushing for it because he been an agent for over 30 years and supposedly is the best against other. Cons. If you do well, you can make up to 95% commission by simply selling the products and this is why it is considered one of the highest-paying MLMs. primerica. Primerica is a legitimate insurance company, but its limited offerings and limited transparency on pricing and coverage terms makes it a difficult choice to recommend. You have to pay $99. How Pyramid Schemes Typically Function. This experience was a HUGE WASTE OF TIME not to mention before you get “hired” you’re supposed to pay a nonrefundable $125. Share. Let's go through the list. While there are rumors that Primerica runs a scam, the company has an impressive A+ rating but only a 3. That’s not a lot of earnings, and tend to be concentrated at a top in. Primerica is a legitimate company offering term life insurance policies, but most people can find a better policy elsewhere. As the name suggests, Primerica is a US-based Network Marketing company that deals with financial products like insurance and funds. Is Primerica a legit company?Luckily she’s smart enough to see an obvious scam Reply CoffeeCurrency. Very rushed recruitment, can feel like a pyramid scheme, charged $125 upfront, zero base salary - commission only, if you're not a 'self starter' type or money-motivated this likely will not be a good match, start by selling to personal contacts, independent contractor not an employee can be a pro and a con. Two, maybe someone who was part of Primerica didn’t get the results they wanted and called it scam. Redline are agents for Primerica financial and life insurance, it is an MLM. There is an adequate work-life balance, education opportunities, promotion opportunities/upward mobility, and a genuine sense of family and connection. But it does look like an MLM based on the compensation model I’ve looked at which basically involves you building a downline and upgrading your position within the company anywhere from a district leader to a regional leader. Most know that they have an MLM-style hierarchy for their insurance agents. If you do want to become a financial planner, then you will need to study and pass some exams. The Company has been in business for over 40 years and pays over a billion dollars in life insurance benefits to clients' families each year. I went to a whole spiel last night and while they do a good job of trying to be inspirational, I am still unsure how legit they are. , a financial services company that trades on the New York Stock Exchange (NYSE). If you actually do end up being good at sales and work your butt off, you will. com is a suspicious website! Webmail. ago. The review of primerica. The main issue with Primerica is not the HQ environment, but with their field staffing. When emailing with the employer, they should seem professional and well-spoken. Primerica (NYSE: PRI) is a leading financial services company that distributes financial products such as term life insurance, mutual funds, and. It costs $99 to join Primerica, plus a monthly subscription fee of $25 for the online support system. This company is most certainly lying and bending the truth using double talk to paint a picture so perfectly for you that you needn't ever think to hard about It. 9 billion in 2018 and close to $2. Enlighten me about Transamerica. It is not a good choice for permanent life insurance or online quotes. En español: (877) 788-8111. Is Primerica legit? Is Primerica insurance legit or not? The answer is yes. Ultimately, the decision to join Primerica is up to you. You only need to pay $25 a month to stay active. S. Primerica IS a legitimate company. Within the 44 years, they have been in service, Primerica has not been shut down or even had issues with FTC. Updated Oct 30, 2023 The Bankrate promise At a glance Not rated About Bankrate Score Bankrate's take Primerica could be a good choice if you’re looking for a variety of term. When you call them out and call it a scam, they immediately throw up their hands and go "whoah buddy, language; I've been nothing but nice to you". Get Directions. Summary: Primerica is an MLM company that sells insurance and financial services products. We found clear and detailed contact information for Primerica. com is legit and reliable. You can get coverage for up to 35 years with Primerica. 85 out of 5 stars based on our. Membership is $99 + $25 monthly charge. •. ReplyEverything is fake. I also researched them online before meeting with them. If you can't be bothered to type "Primerica" into google and see immediately that it's a complete and. You DO have to be careful with Primerica because a lot of their reps have no securities license and can't broker for these fund companies, so they push segregated funds as investments which are. L. Primerica is a life insurance company that offers term life insurance with up to $5 million in coverage and coverage until age 95. Whether Primerica products are the best in the market is entirely different, but these products compete favorably with their rivals. To make a living as a Primerica representative requires hard work and dedication. If you go to r/antiMLM and look for Primerica, people discuss their negative experiences. BBB File Opened: 1/1/1980. Some people are ready to call Primerica a scam simply because it's a multi level marketing organization. Primerica is a legit MLM company that sells financial and insurance services for over 42 years already. 3 Locations. He’s making money doing it and he wants me to join him as I have a large network of people to tap into. As you can see there have been over 5 million lives insured and 2 million client investment accounts. Take Action . The company says it pays 91% of claims within 14 days. Mary Kay, Colour Street, Amway, Monet, Rodan and Fields etc you will see how little money is made on average - and all the figures do NOT. Primerica Advisors offers. The only thing that makes it a bit shady are the complaints that other clients gave. Primerica is a legitimate company that has been in business for over 40 years. It is a legitimate direct sales/network marketing company. Read real reviews and see what people think about Pay & Benefits. What most people don't understand is that most insurance and financial services companies have the exact same or very similar structure. ago. Primerica website. Moreover, I’ll also address: how the Primerica business opportunity works, how Primerica agents make money,Primerica Financial Services is a multi-level marketing company that is heavily regualted by the Securties and Exchange Commission (SEC) as well as FINRA and the State Commissioner in all 50 states. In conclusion, after examining the alleged scam claims and evaluating the legitimacy of Primerica’s business model, it is clear that Primerica is a legitimate opportunity. The problem with Primerica is that they can only sell their product shelf, meaning they can't go to market to get you the best coverage. As a multi-level marketing company, it also allows you to earn extra from. Many people, however, are unsure if Primerica is a legitimate company based on their initial meetings. M. Q. Transamerica’s Trendsetter LB policy was named “Best Overall” in our Forbes Advisor review of the best term life insurance. Contact Information. The odds are seriously stacked against you when it comes to succeeding. Reading some of the reviews like 99% of people never make money. Primerica is a legitimate company offering people legitimate products and services. • 6 yr. 241 reviews from Sales employees about Pay & Benefits at Primerica. In 1977, we. The maximum rating was given to my. Primerica is definitely a religious experience. Please be aware that fraudsters may link to BrokerCheck from phishing and similar scam websites, trying to steal your personal information or your money. The ability to compare. Primerica is a legitimate business that offers tangible products for distributors to sell and provides the opportunity to build a business by recruiting members. Jobs are in a really weird spot where there's a lack of workers in some areas and a surplus in others, and unfortunately a family member of hers recommended her to a recruiter for primerica a company that sells insurance and financial benefits. They need to focus new agents on sales not recruiting. Revenue: $1 to $5 billion (USD) Insurance Carriers. You will be hyped up as long as you do everything you’re told, but if you ask questions, you’re immediately shunned. Primerica is a financial services company that has been in business for over 40 years. In this article, we'll also show you a few other fraud prevention tips including what to do if you lost money to a scam. However, most pyramid schemes have got wise to the fact that they have to offer a product in order to appear legit, but even though a business may have products, the focus will always be on recruitment rather than product sales. PRIMERICA ADVISORS, PFS INVESTMENTS INC. Here you spend most of your time trying to recruit people and actually get paid from the amount of people you can get to join which is. Nevertheless, it's your responsibility to be vigilant for potential warning signs whenever you engage in online transactions. Sources we use are if the website is listed on phishing and spam sites, if it serves. Some of their agents end up doing very well in their careers by helping clients with such needs as life, long-term care, and car insurance and of course, by recruiting and mentoring other successful agents. Primerica is an MLM company that’s publicly traded on the floor of the NYSE. The good news is I will be shedding some light on Primerica to help you get a better understanding of the company as well as reveal the #1 problem that Primerica representatives face and how to solve it. No, Primerica is not a pyramid scheme. using words like “scam”, “mlm” and “pyramid”) are forbidden, slanderous and unforgiveable curse words in their fantasy world. Best of luck to all who endeavor . primerica. They do offer legal financial products and are even publicly traded on the stock exchange. Primerica Review. The products are definitely used by real people. " In a positive manner, anyway. Is Offerup Legit. except North Dakota and has more than 130,000 independent life insurance representatives. user636906. They’re not an investment company. In fact, they be a publicly-traded company on the stock shop, and have operated for decades, support people with their life insurance needs. Working from home can have many benefits for both employees and employers. They provide various types of insurance, debt management, financial investment, and credit monitoring services. As a sale’s person for Primerica, you. . I looked online and it seems like with $100 and $25 a month, anyone can be a Primerica advisor. It was a wonderful experience meeting my co-workers (over zoom). The Scam Detector’s algorithm gives this business the following rank: 100. If you aren't earning an hourly wage on that zoom call, run. Webmail. You're just required to know what you sell. Pyramid schemes are illegal, and Primerica’s operations are entirely legal. com YouTube Channel:IS a legitimate company. Nevertheless, it's your responsibility to be vigilant for potential warning signs whenever you engage in online transactions. In short, any company who makes you pay for something to get hired is a scam. Annuities. The BIG piece of info that i found, and my saving grace through all of this, is that the man who tried to rope me in had lost a lawsuit for inadvertently exposing someone's personal information. Term life insurance. MLM, no matter what compnay it’s with is just a bad busienss model. SobaYukihira • 6 mo. Further, people DO construct money in a Primerica start. This experience was a HUGE WASTE OF TIME not to mention before you get. Becoming a Primerica rep requires you to pay a $199 (now $99) fee and highly recommends paying a $25-a-month fee for access to Primerica Online as noted. Ad-free. Bullshit, the law does not prevent you from selling anything or limit anything. I wanted to join primerica because you can work from home but the issue is that I don’t know if they’re a legit business. Even PFS rep defences are accurate. Primerica is a financial services company serving the middle-income market in the U. They have an A+ rating with the Better Business Bureau and are accredited by the US Chamber of Commerce. If the person pitching you a product also encourages you to join the company as a consultant, it’s because they stand to earn a portion of your sales. Primerica is a term life insurance company that offers no-exam and no-medical exam options, but has high rates and limited coverage options. Legally, Primerica is a legit corporation. Product Name: Primerica. Primerica is a reliable company that’s been in existing in the world of insurance for more than 40 years. Does Primerica pay out? A.