Business Profile

Financial Services

Primerica, Inc.

Headquarters

Complaints

This profile includes complaints for Primerica, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

136 total complaints in the last 3 years.
90 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/26/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was lied to by a representative for this company Primerica. They lied about how much time they needed to show me a presentation. At the end they made it seem like I would be working with multimillionaires and that I had to make a small investment to join and they lied and said that if I brought on one person I would get my money back. I made the transaction of $125 dollars on 03/25/2024. Primerica also tried to convince me after asking for my money back that it was for a business license with them to sell ********************** which is also not what I was told originally. This company is a barely legal version of a pyramid scheme.
Business Response
Date: 04/15/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
******************************************************************; 30349

April 15,2024

RE: BBB Case: 21491940
Consumer: ***********************

Dear **************:

I am writing in response to the complaint that *********************** filed with the BBB on March 26, 2024. Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives. Recruits, such as ***************, submit an Independent Business Application (***) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 *** fee. Once recruits are properly licensed, they receive commissions, not a salary.

We have researched ****************** complaint and have determined that on or about March 23, 2024, we received her *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On ********************* The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.). Our records indicate that **************** didnt contact Primerica prior to filing her complaint with the BBB. As a courtesy,we will issue a refund of $99 to **************** for her *** fee and $25 for her *** charges, back to the account on file. We would ask that **************** allow at least three to five business days to receive her refund.

We hope that we have adequately addressed this matter. If you have any questions or need additional information, please let me know.

Sincerely,
****************************
************ (phone)
************ (fax)
Initial Complaint
Date:03/26/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Primamerica as a company purposefully allows there agents to conduct shady business practices. I am a small business owner and was approached by Primamerica to join. I filled out all the necessary information and was denied because my business runs from credit monitoring and consulting. They are located in Georgia and knowing this they should have never offered anyone in that field to work with them as it put my business in jeopardy. Once we dissolved our working relationship Primamerica agent ***************************** than proceeded to call my business clients to disparage my business and steal customers from a business which they have no legal right to do business with in the first place. They practice highly unethical practices and standards when facilitating business and they should be investigated as primamerica is not a security/ insurance company they are a pyramid scheme masquerading as a legitimate business. The business model is to sign people up than they us the that persons contacts to further their own business base. When doing to a company which deals in credit and it being illegal in the **************** no more communication via Primamerica to my clients should have happened as they directly and indirectly are doing business with a credit company. ***************************** also decided to conduct business under my name without my written consent or permission. I have both audio recordings of this and text messages sent I am unable to upload but have them as proof
Business Response
Date: 04/16/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
******************************************************************; 30349

April 16,2024

RE: BBB Case: 21491288
Consumer: *********************

Dear **************:

I am writing in response to the complaint that ********************* filed with the BBB on March 26, 2024. Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives. Recruits, such as ***************, submit an Independent Business Application (IBA) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 IBA fee. Once recruits are properly licensed, they receive commissions, not a salary.

We have researched Mr. ******* complaint and have determined that on or about March 13, 2024, we received his IBA that authorized payment of the one-time $99 IBA fee and the $25 monthly Primerica On ********************* Our records indicate that in Mr. ******* IBA,he answered yes to the question regarding do you sell or refer credit repair or debt consolidation services. Because **************** has an established business that offers credit repair and/or debt consolidation services, we were unable to approve Mr. ******* appointment with Primerica. As a courtesy, a full refund of $124 was issued to **************** for all fees that were paid.

We regret that Mr. ******* experience with Primerica was not a positive one. We will further investigate Mr. ******* allegations that ***************************** contacted his business clients.

We hope that we have adequately addressed this matter. If you have any questions or need additional information, please let me know.

Sincerely,
****************************
************ (phone)
************ (fax)
Customer Answer
Date: 04/17/2024

Complaint: 21491288

I am rejecting this response because:

Sincerely,

*********************
Initial Complaint
Date:03/22/2024
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a zoom call with one of the trainers and yesterday and seemed all good but they make you pay up from I don't know why. But also they don't let you have a day to review it or let you change your mind on that you don't want to do that career anymore.
Business Response
Date: 04/15/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
******************************************************************; 30349

April 15,2024

RE: BBB Case: 21471953
Consumer: *********************************

Dear **************:

I am writing in response to the complaint that ********************************* filed with the BBB on March 22, 2024. Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives. Recruits, such as *****************, submit an Independent Business Application (***) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 *** fee. Once recruits are properly licensed, they receive commissions, not a salary.

We have researched ******************** complaint and have determined that on or about March 21, 2024, we received his *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On ********************* The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.). Our records indicate that ****************** contacted Primerica the same day that he filed his complaint with the BBB and requested a refund. On the same day, Primerica issued a refund of $99 to ****************** for his *** fee and $25 for his *** charges, for a total refund of $124. No additional refund is due.

We hope that we have adequately addressed this matter. If you have any questions or need additional information, please let me know.

Sincerely,
****************************
************ (phone)
************ (fax)
Initial Complaint
Date:03/18/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
THIS HAS BEEN GOING ON FOR YEARS WHEN I DECLINED TO WORK WITH THE COMPANY WHICH I HAD NO KNOWLEDGE OF THE ORGANIZED CRIME FACET OF AND THESE PEOPLE SPECIFICALLY IN ********* ******** HAVE BEEN WORKING SIDE BY SIDE WITH THIS MAN TO HARRASS TORTURE AND STALK ME BECAUSE THEY KNOW THE DEPTHS BEHIND THE PYRAMID SCHEME AND ************************* OF ALLSTATE INSURANCE WHO HAS TIES TO *************************************** AND THE DEPARTMENT OF PUBLIC SAFETY AND CORRECTIONAL SERVICES AND MY FORMER EMPLOYERS HAVE WORKED TOGETHER AND CONTINUE TO DO SO TODAY TO MAKE MY LIFE A LIVING H*** *********************** ****** AND ********************************* CAN ALSO BE CONTACTED REGARDING THIS ISSUE IT GOES BACK TO JULY 2 2007 AND 2100 *************** AND HAS SPANNED OVER THE COURSE OF YEARS.
Business Response
Date: 04/16/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
******************************************************************; 30349

April 16,2024

RE: BBB Case: 21448599
Consumer: *************************

Dear **************:

I am writing in response to the complaint that ************************* filed with the BBB on March 18, 2024. Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives. Recruits, such as *****************, submit an Independent Business Application (IBA) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 IBA fee. Once recruits are properly licensed, they receive commissions, not a salary.

We have researched Mr. ******** complaint and have determined that on or about October 6, 2020, we received his IBA that authorized payment of the one-time $99 IBA fee and the $25 monthly Primerica On ********************* Our records indicate that Mr. ******** file with Primerica was closed on August 5, 2022, because he did not obtain his life license. We dont have any record of ***************** contacting Primerica regarding his allegations against *******************. We would ask that ****************** contact me directly at ************ or via email at *************************************** to discuss his concerns so that we can thoroughly investigate his claims.

We hope that we have adequately addressed this matter. If you have any questions or need additional information, please let me know.

Sincerely,
****************************
************ (phone)
************ (fax)
Initial Complaint
Date:03/11/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I paid this business $124 for a class I did not start and I did not want to attend the class or to be apart of the business..This happened on Saturday 3/9/2024 at 6pm. I did not start the class or attend any meetings. I do not want to be a part of this. I tried calling the customee service line and no representitive was able to provide help.
Business Response
Date: 03/19/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
******************************************************************; 30349

March 19,2024

RE: BBB Case: 21418354
Consumer: ***************************

Dear **************:

I am writing in response to the complaint that *************************** filed with the BBB on March 11, 2024. Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives. Recruits, such as *****************, submit an Independent Business Application (***) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 *** fee. Once recruits are properly licensed, they receive commissions, not a salary.

We have researched Ms. ******** complaint and have determined that on or about March 11, 2024, we received her *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On ********************* The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.). Our records indicate that ****************** didnt contacted Primerica prior to filing her complaint with the BBB. As a courtesy, a refund of $99 was issued to ****************** for her *** fee and $25 for her POL **************

We hope that we have adequately addressed this matter. If you have any questions or need additional information, please let me know.

Sincerely,
****************************
************ (phone)
************ (fax)
Initial Complaint
Date:03/11/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In 2018 my mom passed, I met with Agent *********************** FAC56 and gave him documents of my fiduciary responsibilities and told him how serious I was to make sure everything was done correctly, and all accounts paid out to the beneficiaries and closed. I no longer wanted to do business with Primeamerica because I had issues with this agent *********************** FAC56 in the past but did not involve my mother.There were family issues at the time and the agent I felt worked against me to make things harder. He assured me that all accounts were paid out and closed ore no longer in mom's name.*** and behold 6 years later, my sister calls me and says that *********************** FAC56 contacted her and said one of mom's accounts had been overlooked and the amount was *******, He sent her the paperwork to take care of with beneficiaries of which I was one of. I said hold on this can't happen, there would be a paper trail, long before now, fees, commissions, etc. I am not going to sign anything without a formal accounting, and some good explanation, after I clearly terminated business with him.
Business Response
Date: 03/12/2024
Please provide the insured's name address and policy number so we may review further.
*****************************
Customer Answer
Date: 03/12/2024
This account was in my mother's name *************************** *******, account #********* and the agent of record is *********************** FAC56. I was executor of estate and met with ************ in 2018 and signed all documents and had everything notarized that needed to be. I made it clear to ************ that I no longer wanted to do business with him or Primerica going forward please close out all accounts and pay beneficiaries as they wish but as for me and anything thing tied to me or the estate of my mother I want closed as soon as possible.
Now 6 years later he contacts my sister who has already been paid out of this account to discuss other siblings' options, this is a direct violation of our privacy and an ethics violation on the agent to share private information, no excuses he has all siblings information, phone numbers, addresses, and never once called any of us and then says it was a mistake or it got over looked and the money was going into a lost account.
This is not a mistake, fees were charged, commissions paid, and why 6 years to figure this out? No mail to ***************************, no emails to ************** and then you say you tried to notify me for 6 years and ************ has the nerve to tell me as executor of the estate it was my responsibility to know about accounts that had nothing to do with the estate. He has insulted me and been rude and turned the blame on me, no matter what this doesn't look honest.
When I asked him to explain and send statements showing detailed accounting, he said he can't give me those answers, I said find me someone who can.
This is not good business practice and not transparent.
Thanks ***************************
Business Response
Date: 03/18/2024
We were previously made aware of ********************** concerns and have been in communication with him.
Customer Answer
Date: 03/20/2024

Complaint: 21415426

I am rejecting this response because: They have failed to tell me how this could happen, and why was only one beneficiary paid at the time of the owner of account passing? Why did the agent receive commissions for 6 years and never contacted me or the others? Why did Primerica overlook this? I want some answers and a formal written apology from the agent and Primerica made out to me and my family. *************************** beneficiary on an account that the agent failed to disclose at the time of my Mom's passing in 2018.

Sincerely,

***************************
Business Response
Date: 03/28/2024
We have been in communication with ****************** regarding this account and have provided the information he requested. Once we have completed processing the distribution in accordance with his request, we will issue an apology letter.
Customer Answer
Date: 03/29/2024

Complaint: 21415426

I am rejecting this response because: They have never given me a straight answer of how this could happen. The account in question belonged to my late mother, and upon her passing there was 4 beneficiaries on the account, the agent on record, and an agent of Primamerica failed to notify all beneficiaries and move the money out of my mom's account and pass it on to the people it was left too. 6 years have gone by, and he just now let us know that the money was going to be sent to lost money account???? How would we even know there was another account without him telling us in 2018? I have suggested that this agent be reprimanded, or his license suspended, these kinds of mistakes don't just happen. As soon as they put in writing their error and apologize in writing from the agent and Primemerica then we can move forward once all the monies are paid out.
And when the person in contact with me called, she did not have her facts straight and tried to blame it on the family members for not timely filling out the paperwork? 6 YEARS!!!!!!!!!

Sincerely,

***************************
Business Response
Date: 04/10/2024
We continue to communicate with ****************** about his concerns. Upon the successful distribution of the account, we will issue an apology letter regarding this matter.
Customer Answer
Date: 04/11/2024

Complaint: 21415426

I am rejecting this response because: Everytime I talk to their representative, the story changes and they are giving me non factual information. That's my complaint to begin with, lack of transparency, everything is a cover up.
No real answers of how and why this happened, they are not taken any responsibility.

Sincerely,

***************************
Initial Complaint
Date:03/11/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I filed a disability claim, was told I had to continue payment while they investigated.. took them almost 4 to 5 months to investigate denied my claim so I lost all that I invested plus all I paid whole they investigate. They're reason for denying the claim was known before they started the investigation, they interviewed me b4 the investigation started and the reason they denied me was disclosed to them before the investigation.. they took months to investigate something that could have taken less than a day..
Business Response
Date: 03/18/2024
A letter will be mailed to the insured today under separate cover.
***************************
Initial Complaint
Date:03/10/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have tried on numerous occasions to speak to someone about my life insurance policy that I took in 1988. I called 3 times last year and again this year. I am told someone will get back to me but no one ever does. When I call recently I explained I called 3 times last year no one called. I was told a supervisor would call me back still no one. I want to understand if money in the universal life policy can be taken out and explain what the benefit of having this type of life insurance policy.
Business Response
Date: 03/20/2024
Client requested a call back, requested cash value and options to withdraw the funds explanation was provided.
Customer Answer
Date: 03/20/2024

Complaint: 21411998

I am rejecting this response because:
I never received a call from ********************* Insurance
Sincerely,

*********************************
Business Response
Date: 03/26/2024
********************* contacted ************************ on Friday March 22, 2024, all of this questions and concerns were answered.
Initial Complaint
Date:03/07/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have had an account with ********************** Investment services for a number of years. *********************** ************ or ************ has been my advisor. In February of this year, I opened an account with another investment firm and began the process of transferring funds from Primerica. When I contacted ******************, he would not respond to emails, text, or phone calls. I finally received an email stating that since I "fired" him, that he could no longer help me. He said to call customer service. I did so and after many hours on the phone with them, I have been able to move most of my money. There is a ******************* account that only *********************** has access to that has yet to be moved. No one else can help me at Primerica. I'm simply asking that he close the account and send me a check for the balance of the funds.
Business Response
Date: 03/28/2024
We have spoken with the customer and are working to address the issues raised.
Initial Complaint
Date:03/06/2024
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hello in 2023 my husband and I got an insurance policy through an insurance agent named *********************************** and husband *********************** (who is my sister in law) and we decided to cancel it a few months later . For the last few months they been reaching out asking to renew our policy, we told them multiple times at the moment will pass . Yesterday 03/05/2024 they decided to create a new policy with our names and auto signatures on it and send it to my mother to forge our signature. She sent me the documents it had fake emails on it , it show my husband and I social security ************* never got approval from any of us to send over these documents, but told ************************* (my mother ) we agreed to letting her sign the documents. Mind you I have them blocked I never approved .
Business Response
Date: 03/28/2024
March 28, 2024
***********************
Customer Experience Specialist
**********************

Re: Complaint Case # ********
Complainant/Policyowner/Insured- Sharynae ******
           Primerica Life Policy Number: 0442088105

*************** to the correspondence submitted by ********************* regarding the complaint against Primerica Life Insurance Company (Primerica Life) in which she expressed her discontent with the services provided by servicing representative ***********************************.

Please note that correspondence dated March 25, 2024, was sent to **************** which addressed her concerns.

Sincerely,

*********************
Field Investigator
Regulatory and Consumer Relations

Customer Answer
Date: 04/02/2024

Better Business Bureau:

My mother did NOT agree. I had no clue ******* was doing what she was doing . My mother didnt know . And they email they put in the documents for my husband and I was a made up email. There was no misunderstanding you cant sign documents for someone else without there consent

Sincerely,

*********************

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