Susan Orman on Life Insurance
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“. . . in opportunity and the client’s best interest, then don’t trap yourself into false loyalty because you will always be conflicted inside and try to keep it buried. Do the right thing for the client 100% of the time and make an educated choice choice with helping the consumer.”
” . . . then how are you doing what’s right for the client 100% of the time? There is nothing wrong with being part of a pumped up and charged sales environment, I even enjoyed that part of it, but don’t be sooo excited that you can’t see how the rest of the financial world stacks up against PFS. For those that are all “gung ho” on Primerica, simply take a look around you a in objective honesty and if PFS is the best things out there, then go for it. If you do discover something better . . . “
Here’s a good quote from an ex-primerican: “I use to be with PFS. Not a bad company in its initial crusade BUT more so an outdated mantra and forced sales agenda that fails to take into account how the financial industry has evolved in the last 25-30 years. That’s the problem with being a captive agent. They don’t want you taking a look around at the rest of the industry in terms of opportunity or product comparison for the clients. If you can’t compare term to term . . . “
For more, search “All About Life Insurance” on krustbox (dot) com.
I like how you come up with the term “former Primerican” Why should I really care about what former primerican I should read about. I know a lot of former insurance agents too but I really wouldn’t want to wast the time to put information on YT to attack them. No matter what you say or do Primerica is hear to stay. I found an old NALU video on Primerica and what is funny is that the same crap that you post today is the same crap that they used 20 plus years ago but is sure is comical.
Wodendog: You are right, the ones that get hurt are the clients. They get hurt by the fact that most “Professional agents” like you are referring too don’t educate the client at all. They want the client to trust the agent and believe that the agent will be doing the best thing on the clients behalf but how does the client really know. They don’t. You have a true twisted opinion on the Primerica way of working with clients. I did get a good laugh from your 13 reasons why Primerica is sub Par.
So, when Primericans say they are doing what is best for their clients 100% of the time, they are either lying, ignorant, or brainwashed (sometimes all three).
This concludes my list 13 reasons why Primerica is Sub Par. Within the next few days I’ll post a good quote from a former Primerican that helps to tie everything together and give an insider perspective.
13 Reasons why Primerica is Sub Par
Reason 13: Keeping in mind what I have said thus far, the ones who get hurt the most are the clients. If a family has to sit down with a person who offers few insurance and financial products (few of which are cheap), has little grasp of the OTHER options the family might have, is simultaneously trying to recruit them, and has to be home by 6 so he can make it on time to his full-time job and the GAP, then they aren’t getting a good deal.
Wodendog: I guess I would agree to a point. The degrees don’t make the person but if the people with the degrees use them then yes the people with the degrees on average would earn more than the ones that don’t. The reason I say that I really don’t care is because those degrees don’t have anything to do with honesty and integrity of an individual. I have known unemployed people that have more integrity and honesty in their little finger than agents with all their BA or BS or MBA degrees.
Mr. Bond, I’ve been in the field, there is clearly a correlation between education and success in the financial services industry. Those with MBA’s or Law degrees fair better than those with BA’s or BS’s. Those with BA’s or BS’s fair better than those with HS diplomas. Those with HS diplomas far better than those with nothing. On AVERAGE, this trend is true in almost every field.
Wodendog: I will agree with you on some people’s lack of maturity but don’t just put Primerica in on that point. There are several Permanent insurance selling agents that are very unprofessional. As far as the Bachelor Degree I really don’t care because when it comes to defending the clients against other agents that would rather sell then crap insurance I have never been beaten at the customers table. There is no correlation between education and success. You only think so.
@wodendogsanidiot-You like Chrome?
IOB: You definetly are a typical crooked agent. I can tell because you are good at twisting words around but not good enough. You don’t always do what is right because you sell whole life insurance when there is always an alternative that will put more money in the clients pocket. Yeah and here you go with your crap opinion of Primerica term not being top shelf. I am honest here but you sure would have to really work hard to be honest, especially being a crooked agent. Your show your own colors.
@wodendogsanidiot-Do you mean demagogue or denagod? download google chrome, it has spell check AND it always posts the “@”when you reply on youtube.
@wodendogsanidiot-Nice Choices! I have found your inconsistency however. I will send wodendog the email to let him know where I have found it. He will continue to post your favorite things about PFS, and may add more!
@wodendogasanidiot-Here is where your inconsistency is showing..which financial services do you own shares in? Be Careful in your reply.
@wodendogsanidiot-you are bothered by wodendog’s post b/c you want me to help you out! Why are you so concerned about his post on PFS? You dont work for them, you just own stock in some life ins companies, remember?
wodendogsanidiot-you are bothered by his posting..you can send it to him. You are threatened by him, that is why you called my chicken.You are intimidated by him and what he has posted about the company you represent.
Wodendogasanidiot-Its very evident that you never took a logic class. Ad Hominen attacks are not valid. They may contain some factual info, but repeating them with all caps to the point of Ad Nauseum does not make them more valid.
@Iown-See the tactic? He cant debate on the FACTS of the argument. He must use fallacious argument(Ad Hominen or other types of fallacious arguments) to prove his point. He is lost, it is a waste of your time. My guess he makes no money even in PFS, the company he does not work for.
Companies get sued every day so get over yourself. Is that seriously your only comeback? If I google “Primerica scams, or Primerica complains” I get entire pages of blogs and protests against your company.
Our lawsuits don’t seem to phase our financial strength ratings though, do they?
I have no problem selling term insurance if it’s what’s right for the client. But I do not replace other company’s insurance if it’s not beneficial to the client.
Any client worth my time would see the value in my company over Primerica ten-fold and I would love to sit across my desk with you. You’ll offer term and I’ll offer guarantees; you’ll offer mutual funds and I’ll offer a comprehensive financial plan from the strongest insurance company in the United States (verifiable).
Oh so you’re the white knight out there…just out to help clients and don’t care about making any money at all? Give me a break.
I always do what’s right for the client because, regardless if it’s whole life or term. Keep in mind that I’m not the one that is limited to term only so of course you’re going to defend your only product. And your term insurance isn’t exactly top-shelf, let’s just be honest here. If you’re replacing WL of course term is going to be cheaper.
13 Reasons why Primerica is Sub Par
Reason 12: Primericans often lack education and maturity. MAny companies require a bachelor’s degree just to start. Not Primerica. I’m not saying a person without a college education can’t do the job, but I bet there is a correlation between education and success in the industry. As for maturity, Primericans are lacking it. Just look at the comments left on YT buy people like Banterking. Is conducting one’s self like a mature adult too much to ask?
IOB: You my friend are the one with lack of training. I replace policies that are total crap compared to what I offer. The clients in most cases are already underinsured and over premiumed so the ones that just sell for commissions are agents like you that just put up stupid remarks. I don’t care about professional courtesy and I don’t care about agents. I care about clients. Maybe you should get your head out of the WL Insurance scam process and into doing the right things for clients first.