Question 1

What does Primerica do?

Accepted Answer

We help families get out of debt, protect their income, invest for the future, and build wealth through life insurance, investments, and financial planning.

Question 2

Is Primerica legit?

Accepted Answer

Yes. We’re a publicly traded company on the NYSE, licensed, regulated, and the largest independent financial services marketing company in North America.

Question 3

Do I need a license?

Accepted Answer

Yes. You need a state life insurance license and (if you choose) investment licenses like Series 6/63 or 65. We help you with the whole process.

Question 4

How much does it cost to get started?

Accepted Answer

Costs vary by state but typically include:
	•	Licensing course fee
	•	State exam fee
	•	Background check
These are standard for all financial professionals, not just Primerica. Primerica’s fees range from $74-$150 for all licensing.

Question 5

How do I get paid?

Accepted Answer

You earn commissions from helping families with life insurance and investments. As you build a team, you can earn overrides, bonuses, residuals, and promotions.

Question 6

Is Primerica MLM?

Accepted Answer

No. Technically not. We are not a product-based MLM. We are a licensed financial services company with regulated products—insurance and investments, not lotions or vitamins.

Question 7

Can I really make money?

Accepted Answer

100%. Your income is tied to personal production + leadership + licenses + appointments booked. People who stay plugged in and follow the system earn.

Question 8

What’s the schedule like?

Accepted Answer

You set your own hours. Most reps work evenings and weekends because that’s when families are home. The system is flexible but requires consistent effort.

Question 9

What training do I get?

Accepted Answer

Day 1 onboarding, weekly trainings, licensing support, field training appointments, and one-on-one coaching with your upline.

Question 10

How fast can I get licensed?

Accepted Answer

If you study consistently, most reps get licensed in 2–4 weeks. Some do it faster.

Question 11

Is this one of those pyramid things?

Accepted Answer

Controversial topic but no. A pyramid has been illegal since the 1970’s. Primerica is a licensed, regulated financial services company on the NYSE (PRI).
Pyramids have no product and get paid to recruit.
We get paid and sell regulated financial products.

Question 12

Why do I have to pay for my license?

Accepted Answer

Because the state requires it — not Primerica.
Doctors pay. Realtors pay. Mortgage loan officers pay.
Licensing is normal in financial services.

Question 13

Do people actually win here or is it rare?

Accepted Answer

People win here when they:
	•	Stay plugged in
	•	Run appointments weekly
	•	Get trained
	•	Build a team
	•	Stay consistent for 6–12 months

Most people quit before they ever get good.

Question 14

Why does recruiting matter, even though I do not get paid to do so?

Accepted Answer

Because no business grows alone. Recruiting = leverage. You can help more families, earn more overrides, and promote into leadership faster.

Question 15

Isn’t it hard?

Accepted Answer

Yes — just like anything worth doing. But the system is simple:
Learn → Get licensed → Book → Present → Recruit → Repeat.

Question 16

Do I need experience?

Accepted Answer

No. You get trained from scratch. Most of our top leaders started with zero financial background.

Question 17

What if I’m shy or not a “sales person”?

Accepted Answer

Perfect. Most of us are not. We teach a simple, duplicatable system. If you care about helping people and follow training, you’ll win.

Question 18

Why does everyone quit so fast?

Accepted Answer

Because:
	•	They don’t study
	•	They don’t show up
	•	They don’t book appointments
	•	They want fast money without skills

The ones who stay consistent win.

Question 19

Can I really make six figures?

Accepted Answer

Yes — many do — but only with consistency, discipline, and appointments. Some really good people make seven figures. Please refer to the FIC Book Tab on POL Homepage.

Question 20

What makes Primerica different from others?

Accepted Answer

•	Buy term & invest the difference
	•	No debt consolidation gimmicks
	•	Real financial education
	•	Publicly traded company
	•	Transparent compensation
	•	Clear career track to ownership

Question 21

Can I do this part-time?

Accepted Answer

Yes. Many start part-time until income grows.

Question 22

What if someone says they’re “not interested”?

Accepted Answer

No problem — that just means not right now. We teach you scripts to follow so you always know what to say.

Question 23

What’s the fastest way to succeed?

Accepted Answer

•	Get licensed
•	Study daily
•	Attend training
•	Book 8–12 appointments weekly
•	Bring recruits
•	Stay coachable

This combination will change your life in 6–12 months.

Question 24

How do I get clients & recruits?

Accepted Answer

You get clients and recruits through a simple, supported system. For clients, we teach you how to start with your warm market in a comfortable, professional way, then show you how to use social media to attract people who want help. As you grow and bring on new agents, we work with you and your team together to meet their warm markets so they can learn hands-on while helping the people they care about.

For recruits, you just attract conversations, share the opportunity, and invite people to a short overview. We give you the scripts, messages, training, and coaching so you always know what to say and do.

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Start your career here—join our team chat, access licensing, training, and coaching. Everything you need to launch fast is below.

A.) START HERE

B.) Register for Training & Other Material

C.) Book Appointments (Choose Your Reason First)

D.) Credibility & Other Resources

E.) Frequently Asked Questions

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