Complaints

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

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• 

  Primerica, Inc.

  1 Primerica Pkwy Duluth, GA 30099-4000

  
• 

  Primerica, Inc.

  4820 50 Ave Red Deer, AB T4N 4A4

• 

  Primerica, Inc.

  356 Bulyea Rd Edmonton, AB T6R 2B3

• 

  Primerica, Inc.

  201 - 1201 Kingsway Avenue SE Medicine Hat, AB T1A 2Y2

• 

  Primerica, Inc.

  1711 - 4 St SW, Unit 421 Calgary, AB T2S 1V8

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:06/04/2024

  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.

  Attempt of phishing scam through e-mail to gain bank information and personal details. They sent me an email from ************************************* asking for bank details posing as the brokerage Robinhood.

  

  Business Response

  Date: 08/23/2024

  We have let the complainant know that Primerica Life Insurance Company did not send him the correspondence that was included with his complaint. 

  As we informed him: Primerica Life Insurance Company is a reputable life insurance company with high industry ratings. We conduct business in compliance with all laws and regulations. Although it appears that the perpetrator attempted use our good reputation to lead someone to believe that our company was involved, we were not. This type of activity is typical in phishing scams; the perpetrators always pretend to be someone else or some other entity. 
  
  

• Initial Complaint

  Date:06/02/2024

  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.

  05/28/2024 I was recruited by someone from Primerica, not given all the information about the position. Furthermore I was told I needed to provide 25 friends or family for my training. During my training calls my trainer kept saying worst case scenario you pass away they said this about 100 times to my family. Which is very unprofessional and made my family uncomfortable. My brother did purchase a plan just to help me out even though he did say he had to think about it but my trainer kept pushing. I did the 16 hour training course because I thought this company was legit. I paid the $124 and havent scheduled my test and will not schedule it. My family who have worked with reputable insurance companies such as USAA and Transameria have highly advised me to not continue with this company.If I had been given all the information prior to paying for this then I wouldnt have paid. Your trainers are really good at making this company seem legit. But it is a pyramid scheme and it is not legit.

  

  Business Response

  Date: 08/19/2024

  Better Business Bureau
  Attn: ***********************
  Dispute Resolution Counselor
  ************************************
  *******, *******; 30022
  
  August 19,2024
  
  RE:    BBB Case:   21792294
  Consumer: *******************
  
  Dear **************:
  
  I am writing in response to the complaint that ******************* filed with the BBB on July 2, 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 May 28, 2024, we received her *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On Line (POL) fee.  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 on June 17, 2024 and requested a refund for her *** fee.  Primerica initially denied ************** refund request because she attended Primericas pre-licensing class.  As a courtesy, we have issued a refund of $99 for ************** *** fee and $25 for her POL fee,back to the account on file.    
  
  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:05/16/2024

  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 to start working for this company 99$ then 25$ was paid on May 10th. I will like a refund after doing research this is not what im looking for. I have contacted 2 people from this company but seem like no one can help me. I never took any pre classes or even had orientation I just want a refund.

  

  Business Response

  Date: 07/30/2024

  Dear **************:
  
  I am writing in response to the complaint that ***************************** filed with the BBB on May 16, 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 May 10, 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 **************** contacted Primerica on June 4, 2024, regarding a refund.  ************************ issued a refund of $69 to **************** for her *** fee.  As a courtesy, we will issue a refund of the $30 non-refundable fee, along with a refund of $25 for her *** charges, for a total refund of $124, back to the account on file. 
  
  We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.
  
  Sincerely,
  ****************************
  

• Initial Complaint

  Date:05/14/2024

  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.

  Initially recruited to work for Primerica as an agent and had to pay a 99 dollar licensing fee plus tax which came to around 110 in total, If you don't get your license you're able to get a refund for what they call your "IBA refund" but once I left and requested a refund as per instructed from a representative, I received another email stating that I wasn't able to get a refund because I had a pre license course and that's not accurate. I didn't complete anything, I didn't earn anything they just don't want to give me my money back. This was dated April 8th, 2024 or a few days after. I'd like a refund from this company because in return for the fee was a license and I never received my license because I left the ********************** it's a pyramid scheme, so I requested a refund and they won't give it to me.

  

  Business Response

  Date: 07/30/2024

  Dear **************:
  
  I am writing in response to the complaint that ********************* filed with the BBB on May 14, 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 *** ********** Once recruits are properly licensed, they receive commissions, not a salary.
  
  We have researched Ms. **** complaint and have determined that on or about April 6, 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 ********** contacted Primerica prior to filing her complaint.  On May 10, 2024, ********** contacted Call Atlanta and requested a refund for her POL ********** A refund of $25 was issued on the same day.  ********** contacted our ******************** on May 13, 2024, and requested a refund of her *** fees.  Ms. **** *** refund request was initially denied because she attended pre-licensing.  The same day that ********** filed her complaint with the BBB, Primerica issued a refund of $99 back to the account on file. A full refund was previously issued to **********, so 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,
  ****************************
  

• Initial Complaint

  Date:05/11/2024

  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 responded to a email from ***************************** primerica division leader (CA Life License # ******** stating I wasn't interested in selling insurance months ago. I called customer service about the issue and even used the opt out email located at the bottom of the email I was sent. But I'm still receiving emails from him with the same copy and paste message.

  

  Business Response

  Date: 08/06/2024

  Better Business Bureau
  Attn: ***********************
  Dispute Resolution Counselor
  ************************************
  *******, *******; 30022
  
  August 6,2024, 2024
  
  RE:    BBB Case:   21698785
  Consumer: ***********************
  
  Dear **************:
  
  I am writing in response to the complaint that *********************** filed with the BBB on May 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 (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 Ms. ***** complaint.  We have reached out to ********************** and he confirmed that he has removed Ms. ***** contact information from his email list.  We apologize that ************ felt that she was being harassed. 
  
  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:05/09/2024

  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 took out a policy on my husband years ago and I put down my on the policy as a secondary and I change it years ago and put all my kids down as a secondary and they put them down as a primary in 2003, not knowing that they put them all down as a primary and I wanted you guys check into it and listen to the voicemail because my husband passed away when I received paperwork they had them all down as primary and the lady that wrote this policy up she wrote it up all wrong and now Im very confused how they all down as primary and I thought that I was primary and my childrens were secondary and I need to bury my ****** And pay the funeral home so I need for you guys to check into the situation. I reach out to an attorney as well OK

  

  Business Response

  Date: 08/22/2024

  August 22, 2024
  
  
  **************************
  BBB of *************, ****** & **
  ************************************************************************************************************************
  
  
  Re:  ID:                       21692200
          Complainant:  ***********************
          Insured:            **************************** (Deceased)  
          Policy No.:        0422046850
          Claim No.:        **********
  
  Dear **************:
  
  I am writing in response to the complaint that *********************** filed with the BBB on June 9, 2024.  We have researched Ms.****** ********** and I trust the information provided in this response will be helpful in your review of this matter.
  
  Our records show that in February 2003, we received a request to update the beneficiary designations for the Primary Insured, ************************* (aka ***********************) and ****************************, who was insured under a Spouse Term Insurance Rider. Because pertinent information was missing, we notified ***************** by letter dated February 26, 2003, that we were unable to process the request.
  
  In April 2003, we received a corrected beneficiary change request.  Because ***************** did not specify that the children named should be listed as contingent beneficiaries, ************************* and the four named children were listed as equal primary beneficiaries.
  
  By letter dated May 31, 2024, we were notified that ************** has retained legal representation, therefore, our efforts to resolve this matter will be handled through her attorney.
  I trust that we have adequately addressed this matter. However, should you have any questions, please contact me directly by phone at ************ or by email at ***************************************.
  
  Sincerely,
  
  *******************
  Life *****************

• Initial Complaint

  Date:05/08/2024

  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.

  On 4/20/24 I got in contact with a employee of Primerica about what they had to offer. She told me that Id be working with them and selling life insurance but that I had to pay $99 for a background check and that the $25 additional fee wasnt something I had to worry about. However, i recently received a notifications saying I was going to be charged $25 every single month. When I went on their app/online to cancel or get a number to get in touch with customer support, there was no information whatsoever. I tried getting in touch with the agent who got me into the process and she has yet to respond. I now believe it is a scam on their part because they talk about making money but you dont receive any unless you pay your license test and get the license. On top of that theyll be getting your commissions or part of your commissions if you recruit someone. They say youll be trained but I have yet to be trained as they said theyd do. This company is a pyramid scheme that makes you recruit people again and again without actually getting clients. Its just about recruiting and not about the clients or what youre selling. I havent received any background check information from them yet they said my money was used for it. Even if they are independently owned, they are lying about what they do and what the money is used for. When you get employed, you get paid not the other way around. Background checks, you dont pay for in a job nor do you pay for drug testing. I was foolish to believe in this company when they first mentioned the payment I had to do in order to get employed. There is no actual job, its just word or mouth on recruiting which isnt what they tell you about in the beginning. They say youll sell life insurance and even say theyll train you but its just recruiting others. They rush you through signing documents and even ask make you put your bank information and other personal information with them seeing it so there is no privacy or security.

  

  Business Response

  Date: 07/30/2024

  Dear **************:
  
  I am writing in response to the complaint that *********************** filed with the BBB on May 8, 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 **************** claims, and we need additional information to locate the file in question. We would ask that **************** provide her social security number and her mailing address so that we can locate the correct file. We understand that this is **************** personal information.  She can submit this directly to me via email at ************************************** or she may contact me directly via telephone at ************.
  
  We look forward to receiving **************** response.
  
  If you have any questions or need additional information, please let me know.
  
  Sincerely,
  ****************************
  
  

• Initial Complaint

  Date:04/29/2024

  Type:Customer Service 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.

  There is absolutely no customer support with these people. I tried for three years to change my address to no avail. Ive been trying for a year to change my name after hours on the phone. The employee hung up on me and finally sent me a form to change my name . When I received the form, I couldnt believe they never updated my address from three years ago which multiple times I would fax and email them about. I need a resolution for this. They need to change my name.

  

  Business Response

  Date: 04/30/2024

  We have received your complaint and apologize for service you have received. Please provide us with your policy number so may access your records in our system. 

  Thanks 

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

   

   

  Customer Answer

  Date: 04/30/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:04/24/2024

  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 am filing a dispute because I'm thoroughly disappointed in Primerica. I've had my policy with them since I was 19 years old. For over 20 years I've had this policy. I never missed a payment and never given them any issues. They automatically deducted payments every month. I recently had an issue with my bank and had to change my cards. In the process I forgot to notify them. I logged in back in January of this year made payment with the new card and thought they would resume taking the payments from the new card as they have been automatically taking payments for over 20 years. I received a text message from my insurance agent on Monday 4/22 mid morning informing me that my policy was terminated. I inquired about this. He stated Primerica sent notices out. I didn't receive any notices. I am perplexed because they have my cell number and email address yet they didn't send communication to either of those channels. I didn't hear from my agent until "after" the policy was terminated. It's not unusual not to hear from my agent since he rarely have a reason to contact me. I then contacted my agent on 4/23 to inquire if Primerica had sent him anything regarding my policy being up for terminated prior to the policy being terminated. He didn't recall receiving anything. Had I been notified via text or email (my preferred and best method of contact) I would have surely taken care of this prior to the policy being terminated. Had my agent been notified I would assume he would've contacted me and should've contacted me to inform me of the possibility of terminated. This all could've been avoided. I guess Primerica doesn't value long term policy holders. This is extremely disheartening and frustrating. Now over 20 years later I'll have to sign up for a new policy in order to get my policy reinstated. Which is absurd. I could understand it if I were going to a new company. I logged into their site today attempting to contact CS it's hard to find contact info to contact them

  

  Business Response

  Date: 05/24/2024

  We have sent the complainant an email that provides a detailed explanation of our companys position in response to the complaint.  Due to privacy concerns, we have not included the details in this response. Regarding the concerns that **************** raised about communicating with the company, our toll-free number, ************, is listed in our policies and in each correspondence sent after policies are issued. Most policyowners may also register their policies at myprimerica.com,our online portal. And, each client may send inquiries or questions to us by email. 

  Customer Answer

  Date: 05/28/2024

  Hi,

   

  I received correspondence from a representative from Prime America. She is willing to compromise and she made an offer I will accept. Once my account is reinstated we can close this out. The representative also provided me with info I wasnt aware of. I wasnt aware agents werent required to communicate with their clients, also I wasnt aware about several other things she included in her email. I think were on the right path to an amicable resolution. Which I appreciate.

   

  Thank You,

   

  ********

  

  Business Response

  Date: 08/14/2024

  Since the date of the client's comments, our records show that this matter has been completely resolved. 

• Initial Complaint

  Date:04/20/2024

  Type:Billing 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 am a client of primerica and my premiums were relatively low and I had the premium paid through a secondary bank account . I didnt pay much attention to it . Yesterday I saw that they withdrew ****** , I thought , thats probably for either six months or a year . I looked through the bank records and this was monthly they were doing this . My premiums were supposed to be ***** per month , not ****** per month ! Whats going on ? I wasnt informed on such a transaction . Nobody informed me on any extreme rate change! After all this was term insurance which is relatively cheap. I found out they were charging me this rate since September of 2022 .

  

  Business Response

  Date: 05/17/2024

  We have sent the complainant a detailed explanation of our companys position regarding the information he provided your agency.  Due to privacy concerns, we will not provide those details in this response.However, I would like to point out that our company is a reputable term life insurance provider, with high industry ratings.  During the history of our company, we have never charged clients premium rates in excess of the rates scheduled in the contracts purchased.