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.
- 92 complaints closed in the last 12 months.
If you've experienced an issue
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:06/11/2024
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 paid $125 for the Primerica certification, and I never attended the class. I reached out for a refund and never received a response. I was unable to attend the class due to my current schedule, and was avoided by Primerica when it came to getting my money back. I will submit bank statements to show I did in fact pay to the class, upon being contacted back.
Business Response
Date: 08/21/2024
Better Business Bureau
Attn: ***********************
Dispute Resolution Counselor
************************************
*******, *******; 30022
August 22,2024
RE: BBB Case: 21833149
Consumer: *********************
Dear **************:
I am writing in response to the complaint that ******************* filed with the BBB on June 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 ************** complaint and have determined that on or about February 26, 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 ************** didnt contact Primerica prior to filing her complaint with the BBB. We initially issued a refund of $99 to ************** for her *** fee and $50 for two months of POL charges. Both refunds were rejected by ************** bank. As a courtesy, Primerica issued a refund check of $99 to ************** for her *** fee and a check of $50 for two months of POL fees. Both checks were mailed to the address we have on file for **************.
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:06/04/2024
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.
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: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 $25 for her POL fee,back to the account on file.
We hope that we have adequately addressed this matter. If you have any questions or need additional information, please let me know.
Sincerely,****************************
************ (phone)************ (fax)
Initial Complaint
Date:05/16/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I paid to start working for this company 99$ 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: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: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: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 OKBusiness 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: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: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.
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,
***************************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
*****************************
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