Monday, August 13, 2012

My Primerica Perspective.

Today I went to a coffee shop after running some errands and I came across somebody who is kind of in the same boat that I am. Or better yet, I should say about two years ago. She got her bachelors degree in Public Relations in the fall of 2011 and right now she cannot find a job. She's currently working at the coffeeshop and me and her got to talking and she was telling me how hard it is for her. I just finished graduate school and I'm kind of  back where I was. I hope and pray that it goes better this time, however, I was reflecting on my apst and just how sucky it was for me and now she's there. She got her degree in three years and she's debating whether she wants to go to grad school in Louisiana or not. Since she still has a semester for TOPS she can use, I suggested that she try one semester here and then see if she can transfer to an out of state university. Later in the conversation I went back to a job fair that I attended shortly after I got my bachelors degree, where I was told that I could take an unpaid internship for as long as I wanted. I recall telling her that PRIMERICA has been at pretty much every job fair that I have been too since the April of 2010. Lets just say, she had some words, she got a call from a representative who refused to even tell her what the hell he was selling and what kind of business he was running. He told her how she'd be able to set her own schedule, yadiyada

Yeah, okay, my experience was somewhat different, however, in the since that I was expecting the call as I had a friend of mine refer me to a representative, and I was warned by my friend prior to it. I met the representative at a local diner and the presenatation on how money works seems interesting. And I had heard about them in the past, they used to be owned by citi financial services but in April of 2010 they broke off and became their own company. Anyway, back to my experience. Prior to the actual Primerica meeting, there were several reschedules. I ultimately met my same representative at his home. 45 minutes later than the scheduled time might I add? Oh yeah, I felt like I was being held hostage, b/c I was held in there forever. Also, I was not told about selling insurance the first time that I met my repersentative. I ultimately opted out of the program b/c at the time I just had a lot going on and I really could not afford it. I already did the $99 just to start out. Plus $25/month to maintain my own Primerica website? Yeah, okay. I don't doubt that there are some who make good money doing this, but in this economy I just don't see many people buying this kind of insurance at the moment.