Complaints
This profile includes complaints for Primerica, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 236 total complaints in the last 3 years.
- 90 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:04/09/2024
Type: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 Friday 04/05/2024 I was told that I would get training for a course. There was an email sent on 04/09/24 asking for a refund. I thought this information was given to receive payment, not pay for a course. I was then informed that there was a $25 monthly fee that was going to be charged and they only canceled that. I have not done anything with this company, no training, and I do not wish to. I feel like I was scammed and just want my money back.
Business Response
Date: 04/23/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
***********************************************************************************************************; 30022
April 23,2024
RE: BBB Case: 21550985
Consumer: Victoria ***
Dear **************:
I am writing in response to the complaint that ******** *** filed with the BBB on April 9, 2024. Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives. Recruits, such as Ms.***, submit an Independent Business ***lication (***) 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 April 5, 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 Ms. *** contacted Primerica the same day she filed her complaint with the BBB. Primerica advised Ms. *** that he refund for her *** fee would process after a seven day hold due to the form of payment that was used when she submitted her ***. Ms. **** *** refund of $99 was processed on April 15, 2024.
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:04/06/2024
Type: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 company stated id have to pay $99 to start work and i placed card i formation to start work but there is no job to start they just took money from me and when i asked for it back they said no they cant do it i also have $10 in my bank after working with them and have no other way of getting money for a few months and an additional $25 for their app every monthBusiness Response
Date: 04/29/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
**************************************************************************************; 30349
April 29,2024
RE: BBB Case: 21539655
Consumer: ***************************
Dear **************:
I am writing in response to the complaint that *************************** filed with the BBB on April 6,2024. 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 Mr. ******** complaint and have determined that on or about April 5, 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 Mr. ******** *** was withdrawn on April 7, 2024. Any funds that ****************** would have paid,would have been returned to him via the same method of payment that was used when he submitted his ***. We would ask that if ****************** has not received his funds, that he contacts his bank directly.
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:04/05/2024
Type: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.
We have been Primerica life insurance for over 20 years. In February 2024 we received a letter notification of our rate increase from $550.00 quarterly to new premium of $2131.21. We were no longer able to reach the company by phone at ************. It is impossible to get a representative on the phone. We also tried to reach our primerica assigned representative ************************* at ************. We left her several voicemails and never received a call back. We wanted to get clarification on the extreme increase of the premium. It is concerning that this company cant be reached. Something is just not right.Business Response
Date: 05/08/2024
We have sent the complainant a detailed explanation of our companys position regarding her concern about the premium cost. 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 company, with high industry ratings. Regarding her service concern, our home office representatives are available each business day, during standard Eastern Time Zone business hours,and we have not had office closures.Customer Answer
Date: 05/14/2024
Complaint: 21538335
I am rejecting this response because:
I never received any letter with any explanation on why the insurance premium was increased to an excessive amount. However, I did receive a bill for the insurance. It is imposible to speak to any one over the phone.
Sincerely,
*********************Business Response
Date: 08/14/2024
I sent the explanation to the email address that was listed in the complaint, and I have resent it. I am also mailing a physical copy of the message that was electronically sent earlier. Our home office CSRs are available during normal business hours Eastern Standard Time.Initial Complaint
Date:04/05/2024
Type: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 company is a pyramid scheme. They told me it would be $100 for a background check. I was offered the job the same hour. A background check was not done. I was told I would be selling life insurance. All I did was try to recruit people to get hired with the company not sell insurance. They lied about what the $100 was for and they lied about the position to get you to accept.Business Response
Date: 04/16/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
*****************************************************************************************; 30022
April 16,2024
RE: BBB Case: 21536818
Consumer: ***********************
Dear **************:
I am writing in response to the complaint that *********************** filed with the BBB on April 5, 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 27, 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 after filing her complaint with the BBB. ************************ issued a refund of $69. As a courtesy,we have issued a refund of the $30 non-refundable fee and $25 for her *** charges, back to the account on file for a total refund of $124.
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:04/05/2024
Type: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.
*** contracted them to cancel my policy since feb of 2024 to cancel policy . I sent a fax stating also and sent several emails to ********************************** VP. I am still being charged and they have yet to cancel my policy. *** tried calling and still unable to reach anyone to help.Business Response
Date: 05/03/2024
Our company takes pride in always providing quality service to our clients. Our home office is responsible for processing cancellations, and policies are promptly canceled as soon as we received appropriate notice from our clients. Due to privacy concerns, I have not included details about this matter in this response. However, I have emailed the complainant a detailed response, which explains our company's position.Initial Complaint
Date:04/04/2024
Type: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 closed my investment account sometime ago and yet. $100.00 per month is still being taken from my account even after i closed the account. I now have to contact my bank to make sure this money is still not being taken in the future.Business Response
Date: 04/17/2024
We have researched the issue and have reached out to ************** to discuss our findings.Initial Complaint
Date:04/01/2024
Type: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.
First, I started at the Life Insurance / Mutual Funds company called Primerica. Originally, I was invited for an overview by ******************* to see what the company is about. I joined shortly after because I was broke and unemployed but ever since the start of my journey, I have been treated unfairly and misguided. I was told about the pyramid scheme and how to get people to work under me and about business referrals. But, I did about 40 hours of licensing courses online as told but I always asked about how Id be paid and when but they always told me Id be reimbursed for everything after I passed the exam. I paid for the courses, the 25 dollar monthly subscription which I was never told about, fingerprinting through the state of ****, and the exam fees, etc I tried to get my mother set up with a new policy through this business and she was declined through underwriting. Then, ******************* (My regional manager / hirer) called her about 2 days later saying that she is unable to reach out to u rewrites and that he and his dad will through her which makes no sense why she couldnt herself. Then, she was magically accepted according to **** (no explanation). After my mom said she would call him back after a few days to determine if she wanted to go through with the policy, the shady dude took the first month of premium from her account without consent. I also went to take my life insurance test online for the first time and they said I needed a printed comply of completion of my course so I had to reschedule and that wasted $49. I took it again today to pass and get my money back from the company and leave, but got a 50% and decided to give up and leave the company and try to get the money another way. I also called Primerica to see if they can do anything or refund me and they cant of course. This process has been h*** and unfair for my family. Thank you!Monthly subscription:$75 3x25 Online course:$99 Background check:$72 Fingerprint:69$State exam(s):98$ 49x2Business Response
Date: 04/29/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
***********************************************************************************************************; 30022
April 29,2024
RE: BBB Case: 21514470
Consumer: *************************
Dear **************:
I am writing in response to the complaint that ************************* filed with the BBB on April 1, 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 Mr. ****** complaint and have determined that on or about February 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 ************** did not contact Primerica prior to filing his complaint, regarding a refund. As a courtesy,our ******************** issued a refund of $99 to ************** for his *** fee and we issued a refund of $75 for three months of *** charges, back to the account on file. Although no refunds are due to **************, as a gesture of good will, we will issue an additional refund of $170 as a check to ************** for the fees he paid for his fingerprint fees and exam fees. We will mail the check to the address that we have on file. We would ask that ************** allow at least five business days for processing of this refund.
With regard to Mr. ****** concerns regarding his mothers life insurance policy, his mother would need to contact our ******************************** directly at **************.
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:03/28/2024
Type: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.
To whom it may concern:On 3/23/24, I was contacted by a representative of Primerica regarding a business opportunity via ********* The advertisement was titled, My friends financial office currently looking to help more people who want to work from home. Must be able to pass a background check. Upon exploring opportunities to make money on the side I decided to investigate it. I exchanged numbers with a representative of Primerica regarding this opportunity. I was informed that a *************** call could be initiated to learn more about the opportunity. Upon learning more about the opportunity some information was disseminated to me. Information was shared about Primerica and the products offered. The Regional Manager gave a presentation about Primerica regarding the products that were offered. Upon the presentation, there was no mention that I would be charged any recurring monthly fees. The Regional Manager was nice; however, seemed to be very pushy in getting people to sign up. He used phrases like, You must get signed up quickly, and Lets go ahead and do it now. Fast forward a couple of days later I decided to give it a try. Again, he was very pushy even though I had my concerns about it. After signing up I noticed that my credit card was charged ***** and ***** respectively. He mentioned that the ***** would be a recurring monthly fee. In the first meeting, he mentioned that there would not be a recurring monthly fee. I think it is disgusting to say that your company is hiring when it is recruiting people to come on board. The prospective person who comes on board doesnt make any true money until they become licensed. Again, very disgusting, and deceptive to use play-on-words to draw people in.Business Response
Date: 04/15/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
******************************************************************; 30349
April 15,2024
RE: BBB Case: 21499965
Consumer: ***********************
Dear **************:
I am writing in response to the complaint that *********************** filed with the BBB on March 28, 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 25, 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 **************** sent a letter to Primerica dated March 28,2024. As a courtesy, a full refund of $124 was issued back to the account on file for his ***/POL fees.
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: 04/15/2024
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:03/26/2024
Type: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: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 proofBusiness 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,
*********************
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