http://www.realplayer.com/?src=realhome_bb_0_4_2_0_0_1_0&pcode=rn&opage=realhome_bb

It is Real Player.

*****Bill what is the company you work with/for? I am curious since you ahve never placed it here.

*****So you hide.

*****So Tell us here what you work for or be rinded that you are hiding. What are you hiding?

*****I am curious why do you think it is Honest to attack but then hide the name you work for. Do you think you can have a level playing field. What are you hiding?

I guess you can not follow instructions I gave an e-mail address so that I can personally respond. I am an independent again I do not want you to say that I am using this as a recruitment tool. E-mail me, are you afraid?

No the last time I responded to anyone on these boards, I had to close down that email. It seemed to get all this sick porn spam. It did cost me time and money since I had to get a new email account, tell everyone where I was going that I want to know. And since you sound just like the tyope to do such a thing, I chose not to.

But Please tell me the company, Post it here. Since It seems you and I are the only ones here, post it.
—————-

I am not hidding. Now I guess I will hit below the belt. Since your Mother raised a disrespectfull son, did she also raise a coward too?

Below the belt. Damn That was a sissy hit. You know the type that cowards use. You know when the back down but then smack you when you are not looking.

By the way, Since I know the type of person you are with the products you suggest, you calling me a coward is like shooting spit wads against a tank.
—————-

*****Again You are using a wrench instead of a hammer. Why not suggest better ways that make you less commission?

Please answer this?

Are you paying the commission?

Well Not me personally since I would never let you near my money, but your clients do pay them. Or do they magically come out of the air? Commission come from the premiums or payments of your clients. Since you are getting more, one of three things is happening. One the company makes less money. ANd we all know that is not true. Two, there are higher fees. Or three their is less service. That is Basic economics. They teach that in every college.
———————–

Commision is not the problem

It can be especially if it takes from the clients money. Since your commissions are higher, where do you think that money comes from? Like I said before, it comes from the client in either less money in their account, or less service by the company.
—————

it is the ART or decreasing term.

I am curious you are focusing on the group of people over 70. How many of the Primerica clients are going to be in the position to need luife insurance at this age? Not many, because we do not do buy term and invest in fixed annuities, or buy term and convert it later. It is BUY TERM and INVEST teh Difference. Investing is not annuities, or savings plans. It is investing. get 8 to 12+% rate of return, through mutual funds. This is what competent advisers do. Look at Dave Ramsey, and Suze Orman.
——–

Why not offer a guaranteed premium? Why are you using a a glue gun to pull a nail. I like your tool examples.

I am guessing you are calling cash value a guaranteed premium now. IT is an new name for it. But Dog Poop no matter how you dress it up, cover it up with great words and such is still dog poop.
But do not listing to me, Listen to Suze Orman, or Dave Ramsey. Suze was an adviser for years before she started her show.

I am not sure what you are meaning but then most of your clients probably do not. They are confused and just sign on the line to get you out of there.
————

*****Again you are going for a 70- year old. Why not pick a better age like 50 since a 20 year old term will expire at that time. Or 60? I know because it does not fit in your little box and will destroy your point.

Great point a 35 year old male. Lets put him into a term for 35 years. Which would make him 70. He could convert at any time. That’s why we plan for what he needs. Maybe he will only need insurance for 20 years. Then he will not need to convert. It’s not rocket science.

Correct but if he follows your thinking he places the difference3 in a fixed annuity. He now has the same amount of money he was saving monthly adjusted for inflation. You are long gone retired and someone else gets to fix the mess. He is told he will not retire because he can’t live on the small amount he was putting away in that fixed annuity.

So he does need your ability to convert, because he was given the false hope of retiring.
————–

Tell me what’s cheap about ING, Genworth, United of Omaha,
West Coast Life, OM Financial Life Insurance Company, Aviva. Here are some of the companies that I am appointed with.

First thing they all sell cash value. This in of it self means that they are selling term as a lose leader. I have said this several times but you keep forgetting. And remember you call your self an adviser. Now competent advisers have said that selling cash value is not good for the client. Suze have even called them an idiot.

But then again they pay you better. That money has to come from somewhere. And since these companies are not doing it for pleasure but profit, they have to taking the money from somewhere. The only place is the client. The client has to give something up. It can be the free stuff they get. Or it is service from the company. Or it could be calling customer service and getting someone in India, that really does not know or understand English well.
—————

You throw out the staments “cheap” and “value”. Since I am ignorant according to you. Break it down. Why are the compaines Chea and have no ethics and explain to me why Primerica has so much valve. They are your words. Any one can throw out words and hide behind the screen.

Ok Let me go through this since you seemed to no be typing well. ( By the way, they are not my words, because I never used valve, or chea.)

Value is many things. It is quality. It is having the jobs stay in the USA. It is the fact that you will not be called and harassed into converting by some sales person from the company. It is not having your number given to another company that is affiliated with them to sell you something else. That is value.

Cheaper is the fact they charge less. Now they do that for the reason of them being able to try to convert them to cash value. Cheaper is the the value since they pay you more, and that has to come from somewhere. And since the company has stock holders, they need to take something from the client. This is usually customer service or other things that customers used to expect, but now are just happy not to have to call and waste a day trying to get something fixed. (Dell is known for this for their customer service. It is in India, and to get anything done it takes 30 minutes to 2 hours to get to the right person if you get them ever.)

Primerica may cost more but you get service with that. You not only have an agent but his upline and RVP are responsible for the service. That is something you will never know from downloading files and reading. When my agent left, I got a call from his upline, I met him once. He said My agent decided not to do it anymore, and if I had any questions I should call him. I called the agent and he said yes he did quit, but If I have any questions call his upline. Now that is so much more professional that what Michael does, but then again My agent left by his own decision. Michael I am not sure about.
——————

*****November 16, 2008 TA @ 8:48 am
Is this Bill Haight or “Tom”? I really missed you guys. I am sorry Who are these people? I am a client that knows more than most, and has studied businesses.

What is this about? Are you just cutting and pasting?
———–

*****But you forgot one, “Compete do not compare”. That was my favorite one. It is the one they say every time I have attended a training meeting. (And I attend them so I can be a better leader at my job.) So what happened to that one. I know since it did not fit in your answer you forgot about that one.

Liar Liar so let me get this straight you said “I am a client that knows more than most.” and you attended the trainings. So you are a PFS Guy I new it. If you misrespresent your practices to your clients that is illegal. Check out the video below.

No I have been asked to join by many RVPs and otehr agents. I chose not to. Since I have connections I have gone to Their Tom Hopkins seminar. You know the one that they do about every 18 months for $200 and the rest have to pay $1000 and go to Arizona to attend. They come around to the different areas for the training.

As for attending their meeting, there is no fee to attend, and my RVP likes me to attend since then he Thinks I am getting closer to join. See I have read teh Books that they suggested. I usually have read them before, but I still read them.

As for calling a LIAR, you can believe what you want, But Then again you think annuities are good for retirement, cash value is good for estate protection, and that cash value insurance is a viable option. You are delusional there and in the fact that I am an agent.
——–

Creditability lost. Liar. I am glad you attacked my family not only are you a liar, coward, and disrespectfull, you have no creditabilty.

Again you are wrong. As I have said just like Tom, I am not an agent. I am well informed. I attend meetings for primerica so I can be well informed. I am a pillar in my company and people ask me questions. But then again coming from you it is spit balls against a tank.
——————–

Your mother must have been prowd. I am glad that you have came out from the closet. TA whatever your name is now you have showed me what a true PFS guys does. Check out the video below.

I will be glad to look at the video, but if it is like any of the ones out there it so full of lies and deception I will be lauighing at it.—————-
——–

If you want a copy of the Alex Le’s blog you can e-mail me, which I am not hidding and I will gladly send you a copy.

Please all check out this link. Then we can talk about ethics.

http://video.ksl.com/sid_video/3008453.rm

What is the Format? It seems not to run on Windows Media. So please tell us how to veiw it.
—————

This video was not aired today it was about 8 months ago. It still does not change the story. Now let’s speak ethics. Proof it is.

Oh by the way ethics is the legal thing. Now morals is something you lack. Or how do you tell you client that sticking them in an annuity is going to lead them to retirement? Or how do you say you are an adviser when you suggest cash value insurance. I have already said their are better and less costly ways. Why have you not asked about them? Is it because you know of them and lack the morals to use them? I have said that selling disability insurance when they can get a better less expensive policy from work. I am curious is it morally right to place someone in a more commission instrument when something that is better and gets you less is available and is better. You said annuities are best because the market is so bad. But if you understood the market and could teach it, You would know this happens every 7 to 10 years. It is also the time to buy, not sell. So why are you telling your clients to hide, and spend more of their money in commissions to you? Where is the Morality of your actions?

I await your response.

*****So you hide.

*****So Tell us here what you work for or be rinded that you are hiding. What are you hiding?

*****I am curious why do you think it is Honest to attack but then hide the name you work for. Do you think you can have a level playing field. What are you hiding?

I guess you can not follow instructions I gave an e-mail address so that I can personally respond. I am an independent again I do not want you to say that I am using this as a recruitment tool. E-mail me, are you afraid? I am not hidding. Now I guess I will hit below the belt. Since your Mother raised a disrespectfull son, did she also raise a coward too?

*****Again You are using a wrench instead of a hammer. Why not suggest better ways that make you less commission?

Please answer this?

Are you paying the commission? Commision is not the problem it is the ART or decreasing term. Why not offer a guaranteed premium? Why are you using a a glue gun to pull a nail. I like your tool examples.

*****Again you are going for a 70- year old. Why not pick a better age like 50 since a 20 year old term will expire at that time. Or 60? I know because it does not fit in your little box and will destroy your point.

Great point a 35 year old male. Lets put him into a term for 35 years. Which would make him 70. He could convert at any time. That’s why we plan for what he needs. Maybe he will only need insurance for 20 years. Then he will not need to convert. It’s not rocket science.

Tell me what’s cheap about ING, Genworth, United of Omaha,
West Coast Life, OM Financial Life Insurance Company, Aviva. Here are some of the companies that I am appointed with.

You throw out the staments “cheap” and “value”. Since I am ignorant according to you. Break it down. Why are the compaines Chea and have no ethics and explain to me why Primerica has so much valve. They are your words. Any one can throw out words and hide behind the screen.

*****November 16, 2008 TA @ 8:48 am
Is this Bill Haight or “Tom”? I really missed you guys. I am sorry Who are these people? I am a client that knows more than most, and has studied businesses.

*****But you forgot one, “Compete do not compare”. That was my favorite one. It is the one they say every time I have attended a training meeting. (And I attend them so I can be a better leader at my job.) So what happened to that one. I know since it did not fit in your answer you forgot about that one.

Liar Liar so let me get this straight you said “I am a client that knows more than most.” and you attended the trainings. So you are a PFS Guy I new it. If you misrespresent your practices to your clients that is illegal. Check out the video below.

Creditability lost. Liar. I am glad you attacked my family not only are you a liar, coward, and disrespectfull, you have no creditabilty. Your mother must have been prowd. I am glad that you have came out from the closet. TA whatever your name is now you have showed me what a true PFS guys does. Check out the video below.

If you want a copy of the Alex Le’s blog you can e-mail me, which I am not hidding and I will gladly send you a copy.

Please all check out this link. Then we can talk about ethics.

http://video.ksl.com/sid_video/3008453.rm

This video was not aired today it was about 8 months ago. It still does not change the story. Now let’s speak ethics. Proof it is.

Author: Bill
Comment:
*****The answers are finally coming out. You were offered Primerica. May be you
are Like Micheal someone that had to leave or could not pass the back ground
check. That does happen. SOme companies do not worry about your background. WFG
is like that, since they take less than 12 hours to do a background check.

I was offered Primerica and after the first interview I did some research. I
chose not to join and I never joined since the recruiter was not giving straigt
answers. You see I punched in Primerica on my computer and I found an Alex Le
blog that had a lot of interesting comments.

It is funny you said this. Alex closed this blog. He said it is for some and not for others. This is the same thing Primerica says. But sicnxe you may or may not know most of the posters are from people like Michael. They failed but blame the system because it is easier to do that than to say I did not work at it, I did not follow the system, I did not do what was needed. A better one to read would be RipOff Report. I will let you read it.

By the way anyone can post anything on the Internet without being seen. And you can use several different names to back your statements. That is the typical way people who attack Primerica work. They ahve been doing it for over 30 years, in print, in media, and now on the internet.

Bill what is the company you work with/for? I am curious since you ahve never placed it here.
——————————

I researched the facts and wrote
them down to find out if they had any merit to them. I presented it to the
recruiter and he just did not seem to have the answers or he was trying to hid
some facts. He lost his creditability. If he said I am not sure and I would get
back to you I would have waited and respected that, because I did want to know
the truth. By the way I was called from a cold call which by the way I am on the
do not call list and the recruiter said that since he got my name from a friend
that thought that I would be a great Manager in the company that he was with,
and if I wanted to apply for the postion that he would set a time and go over
all the details. I went to the office and received all the hot smoke and Raw
Raw.

Just so you know it is not Raw Raw, but Rah Rah. I guess you did not know this.
————–

The recruiter came over to my house and tried to close the deal. If he was
not going to answer all my questions that I needed answered, I really did not
want to spend time entertaining this agent. I have searched the web and I have
talked to many PFS agents that has left and they all said the same thing about
Primerica. Look at the opportunity that Primerica has to offer and look at the
side by side comparison that my company has to offer. The numbers do not lie.

No Numbers do not lie, people who use them do. Did you know anyone can make bad numbers look good and good numbers look bad. But then again either you knew this and failed to mention this, or you are ignorant. Which one is it?
———

As far as the background check let’s see up until the last four years I work for
a sheriffs unit in a county jail, and not a trustee either I was apart of the
staff. I also had a SENTRI pass that let me cross the international border
without inspection with my vechicle. This was obtained by going through the
department of homeland security. The background check is not a problem. I am
life and health licensed in three states including California.

I am so glad you are all those things, if you are. Remember you can post and say anything here.
Since you have not answered any questions yet, your honesty and integrity are questionable.
——–

*****Did you sell any Adustable rate mortgages?
No

But you did market for a company that did? Did your company offer the optional payment plan? This is one of the reasons we are having the problems in the Financial arena. Or did you forget about that?
———

*****I can see you have chosen the commission.

Let’s try this again. 41 year old male 20 year guaranteed term
with 500,000 in death benefit, in the state of California with a standard health
rating. Premium from my company is $790.00 a year and Primerica is 935.00 year.
NO let’s pick the lowest level that you can be Level 1 Representative. I start
at 55% of the annual commision and you start at 25% of the annual commission. I
just made $424.00 for selling that policy and you made 233.00 for selling
Primerica’s policy. Now you have to sell 2 policies for my every 1 to make the
same amount as money as I did. Let’s take this 1 step further. I just save the
client 145.00 per year and over a 20 year term that’s 2900.00. Plus I am not
commission capped like Primerica is.

THis is why I can do the right thing for my clients. I do not charge fees for a
free Financial Needs Analysis (FNA) or on insurance, mortgage or (commission
based) investment business. I am compensated in two ways: I am compensated by
the numerous insurance, mortgage and (commission based) investment companies I
work with. I am also “paid” with referrals to other individuals, families, and
businesses that he can help. This form of “payment” allows me to spend his time
with those that not only need his help, but who also want his professional
experience in making wise decisions with their money. This is why I can stick to
the mission because I do not have to worry about the commission.

To repeat myself the companies you represent are at least having questionable ethics, and at most the reason why we are having the financial meltdown.

And since you sell them are you part of the problem?

But here are the problems again:
Cash value or term that converts into cash value. Question who says cash value is good? Wall street journal said “Only Companies that sell it and the agents promoting it” Who says cash value is bad? Suze Orman, Dave Ramsey, and every other competent advisers.

Your Mortgages: They sell ARMs, or adjustable rates mortgages. They have been proven to be the number reason people are defaulting. Who have said ARM’s are Toxic? Business Week in 2006.

Fixed Annuities: They make more money for the agents while not increase the wealth of the client. They are not good for Middle American families since they are looking to increase their wealth. Annuities are the last thing you should use since they have such high fees.

Cash value as an estate preservation: This is the wrong tool just like a wrench can be used as a hammer it does not make it one. And just like using a wrench as a hammer it can and will cost you more in the end.

Why not comment on that?
——————

*****What company do you work for?

I do not want to take away from this blog or let anyone think that I am using
this as a recruitment tool. So I will let you know if you e-mail me at
vicorborlin@yahoo.com

So you hide. But then again you attack Primerica.
This is typical for anyone against Primerica. The only person that showed he had any guts is Michael. The only problem with him is he took the easy sleazy way out.

So Tell us here what you work for or be rinded that you are hiding. What are you hiding?

————-

*****Why do you think Conversion is so good? Isn’t Guaranteed insurability
better?

Primerica’s policies: ART policies are designed for short-term needs and
premiums increase annually upon each renewal, up to a specified maximum. The
premium is based on your age at the time of renewal. So if you need coverage in
your later years premiums may become unaffordable. They will continually renew
for 5 level terms up until age 70. After that you have the choice as exchanging
for a decreasing term policy or an ART (Annually Renewable Term) policy.

Again you are going for a 70- year old. Why not pick a better age like 50 since a 20 year old term will expire at that time. Or 60? I know because it does not fit in your little box and will destroy your point.

So why does a 70 need to have Income Protection if he was taken care of correctly? Answer her does not. So Bill is planning on screwing his clients so they have to have insurance their entire life. I guess he is a sales person set on commissions.
————–

Conervsion = You get 20 or 30 years of highest death benefit for the lowest cost
as term and then you upgrade to permanent when your high vulnerability period
ends. Now you can use the conversion (guaranteed wihout evidence of
insurability) to plan for your estate.

Again You are using a wrench instead of a hammer. Why not suggest better ways that make you less commission?

Please answer this?
———-

No you are not locked into it forever if you decide that you do not need it let
it lapse, however it is there if you want to keep for the rest of your life. You
will not have to worry about the premiums increasing or exchansing it for a
decreasing term policy.

First it is not decreasing term nor an exchange (Look at spelling). Second Guarantee insurability is free and does not mean you have to pay 2 to 15 times more. And lastly, why are you setting up your clients to fail?

*****Why do you focus on price?

Would you want your clients to say it does not matter what it costs sell it to
me anyway. I focus on price because it’s the right thing to do for my clients.

So you do not care of the value you bring. I guess you do not tell them that. You hide it like the name of the company you work for. I am curious why do you think it is Honest to attack but then hide the name you work for. Do you think you can have a level playing field. What are you hiding?
———-

I
make more money than a Primerica agent does and let’s see.

And where does this money come from? It has to come from the client. So the client is getting something less. But then again you have said you sell on price because you have to. Most people rather have value than a cheap product. But then again you make more so they have to be taking it from the client which means it cost him more. Or do you think the money is magically appearing?

——-

Going back to the
male example if a client was ok with paying 935.00 a year for 500,000 in death
benefit, I could let the client know that for about same amount of money I could
get them 600,000 in death benefit. Run the numbers http://www.term4sale.com

But what do they lose? Since they are paying you more, and they get more, no company can stay in business not making money. I know it is magic. But then again you do sell cheaper products, that pay you more. One can only figure that either you are lying about your compensation, which we can’t independently verify since you are Hiding the name, or you are lying about the numbers. And since the numbers are able to be verified, you must be lying about the compensation.
———–

Now if you
want to see what a person would pay with the same info for a Primerica policy
for 600,000 in death benefit it’s 1,107.00. Which is 172.00 savings a year or
3,440.00 in twenty years. Who am I working for the company or my client.

Let’s now look at that commission I made $514.00 and you made $276.00 at
representative level. You work twice as hard and make the same money. Come on
that’s why I focus on price it does not come out of my clients pockets and I can
offer more death benefit protection for the same premium. Really who would you
chose?

Well Let us look at what you have give us:

Numbers that can’t be verified. A Company that is not identified.

So where is the independent verification? You keep using that term website, but if you spend 5 minutes investigating it, you find out that it si selling its software. Since Primerica is a captive agent only company, why not slam it. Besides it is apperent you lack sales skills, since you say that price is the only thing you can offer your clients, or as most people would say victims.

So Why not let us be the judge, give us the name of the company, unless you have something to hide.
———-

*****Why are do you have to sell all those different products instead of
focusing on helping one certain group like Primerica?

Because I am an advisor and not a salesman. I have products to offer if it fits
their needs.

With advise like yours one can wonder why we are in this financial mess? You sell for companies that sell cash value. You say you offer fixed annuities. You say you offer cash value. You sell for mortgage company that sells ARM’s and optional payment plans.

You are similar to the special I saw a couple weeks ago. It talked about World War 2, and how the Nazi’s got all that power. The Nazi Party was not the biggest or the strongest. They used freinds to turn in friends, and paid for you to turn people in. Now I do not think you are the Nazi Party, (That would be more like the Companies you sell for.) you are those collaborators, the ones who helped them and made money off the blood of their fellow man.
————-

Why does Primerica sell Prepaid Legal?

The answer to this is pretty easy. Because our clients need it. How many people need a will? Everyone. How many people will use a lawyer in their lifetime? Almost 100%. How many can afford to pay $300 for a will? Not many? How about $300 an hour to get that neighbor to stop harassing you? How about $300 for that debt collector from harassing you? How about a better price for a good lawyer when you have problems?
The list goes on, but since you lack knowledge and wisdom, I guess you will not be able to understand this.

Also their is no annual licensing fee. It is included in the 99 dollars.
———

Why do they have a referral program for Auto, Home, Renter, & Condo Insurance?
Why does not the Primerica agents have Property & Causality license?

First they did, but it was not profitable for the company to keep selling it. Remember that the company needs to be in business so it can make money. I know that you may not understand this with your believe that you are selling something cheaper and making more money ion it, but then again What is your company so we can INDEPENDENTLY verify your numbers?

And why do they use referrals? Simply because it is a good program for the client and the agent. The Client gets to see what is out there, not just one company but several. The agent gets paid a fee to get the client to them. The client also will not be pestered to buy cash value, nor will they be bothered with any other services they sell. Pretty good for client, and great for the agent.
———–

*****I bet you see you mother once a month in that home you placed her in. I f I
treated my mother like the way you treat you clients with term that only can be
converted and fixed annuities, my family would disown me. Have they done that to
you yet?

I can do fixed and fixed indexed annuities and securities. Have you been
tracking the market. I guess it still save to put that money in the 401k. I am
glad no one is scarded to invest in todays market. I am sure no one wants a safe
investment vechicle.

I guess you never Read a book called ‘The Minute Millionaire” It is a great book. It is kind of thick but it is able to be read by anyone. One side is a story, the other is the technical way of speaking.
It says in it you have a choice you can have freedom or security not both. Since you are forcing your clients to chose security over freedom, you are setting them up to fail

But let us look at the market for teh last 87 years. 2001 it dropped. From 2002 to about 2008 we were having record gains. Yes we lost some of those gains but we will grow again.

No Fixed annuities get nothing of the gains. Fixed indexed annuities only get the average of the gains. That means you clients lose out on the market highes. I am curious do you know what the mutual fund market has done for the last 25 years? Average 12%. Did you know some mutual funds have gotten an average of 20%? ANd the cost to get in and the annual fees are considerable less than any annuities.

The only person who makes money on fixed annuities are those that sell them. The fees are higher, the cost are higher.

So how is this good for your client, locking them into a savings plan that is based on the low end of the market.
And if you are helping them so much, let me ask you this, when do you buy? When do you sell? I mean anything?
the market is the only place where people buy when it is high and sell when it is low. That is the stupid ones and those with advisors (Spelling done for you) that do not understand anything.
———

Sorry dude, My mother passed on and it was a horrible death and she was never in
a home other than her own home. That’s why insurance and financial planning is
very personal to me. When you lose a loved one insurance cannot bring them back
it can only help relieve the financial burden that has been placed on the family
and loved ones. I guess that is some more of the insurance party line that I
have swallowed. I can not believe that you are not a Primerica agent.

There goes another things, you are wrong again. Want to know why I am passionate. I went to a friend of mines after his Dad died. The father was paying almost half of his income on insurance, it was cash value. He had 12 policies, that did not even pay for the burial.

So I was talking to my friend and he kept saying he needed to see if he had enough life insurance. I had my agent come over and see what he had. I was their to make sure that he was comfortable. He told em of he had term but was told it was not permanent and he need permanent insurance. He was called and sent letters about it and finally gave in. He was paying 500 a month for 200,000 policy. Primerica gave him 1 million for less than 100. He was paying that for 7 years, and the cash value was less than 600. He over paid for insurance in the tune of over 30,000. It was just like the ones you suggest.

Also when my dad died, he had a Primerica Policy and several others. The Primerica policy was paid in less than 6 weeks, I think in 4 since it went to my Stepmother. The other policies took months and one over a year. And Primerica paid her interest on the money, while the others did not. This is another value.
————-

Why are
you working for Primerica? What is your motivation? If you are going to tell me
you are not an agent (wink wink) then why do you have insurance?

Since I do nto sell insurance. Since I am a sales manager at a big company, AT and T. (See I name my company, why can’t you name yours?) I am approached by many different Primerica offices. That is why I ahve more experience than what you get from searching the net. Again anyone can post what ever they want on the net, and get away with it. I gone to many different offices. yes they are excited, but they are making money. Yes they cost more but then quality does cost. Geo and Mercedes are both cars. How many would pay a little more for a Mercedes?
—————-

I bet your
mother would be proud you the way you talk about other peoples mothers. Now I
guess you can make the joke about how I killed her with my insurance. I see that
it is getting personal with you. My wife and kids are still living why don’t you
crack on them.

Well sincde you brought your mother in the picture I decided to being up the fact that most people would place your type of sales right there about Jim Jones. Your advise has been proven faulty by a non-insurance person, how do you stand up to someone in Primerica across the table. When I got my policy many years ago, I heard of agent confrontations. Where Primerica taped the conversations, and the other agent needed to watch what he said. He usually back tracked on what he said to the client. I even heard an agent that apologized to teh client for telling him those lies and for trying to get him to switch. I do not hear about those very often, could it be that the people who can’t make it across the table, use Cyber-Space to attack the company they can’t beat?
—————
*****Why do you focus on Fixed annuitites and not mutual funds or variable?

Read the papers, watch the news. What is the market doing? There are safer
accounts out there.

I have already addressed this but let me ask you this, why Annuities instead of Money Markets, or Bond funds? Could it be that you make more money on annuities than you do on mutual funds. (Mutual Funds pay about 49% less than the Annuities since Annuities are an insurance product.) Could that be the reason why you sell that? ANd in a mutual fund I can switch out of bonds to a fund that is in the same family for no fees, how do I get out of a fixed annuity when the market is good? The answer I am locked into it, so I can’t.

Nice Plan Bill, lock your clients in a low paying high cost way of not getting to be able to retire. Why not answer this one?
—————

*****What does that Free Analysis cover? And can you prove it?

My needs analysis software which I do not have to pay for or pay a monthly fee
in POL like in Primerica.

If you tell me the state you live in and if it is one that I am licensed in I
will set up a time with you and we can discuss your current financial situation.
I will help you meet your financial goals. It costs nothing and I would be glad
to see if I could make your finances more efficient. I would be glad to give you
a quote on afforadable term insurace to protect your most important assests.
Your family. I can gerenerate a 29 page report giving you a free report of your
financial situation. I can prove it. It contatins the following information:
Client’s Financial Inventory
Monthly Cash Flow
Estimated Gross Monthly Income
Estimated Monthly Taxes/Withholdings
Estimated Monthly Expenses
Estimated Discretionary Income
Debt Service Ratio
Household Debt
Personal Net Worth
Assets
Liabilities
Survivor Needs Analysis
Immediate Cash Needs
Ongoing Income Needs
Income Sources
Survivor Needs Analysis – Detailed Income Needs
Survivor Needs Analysis – Summary
Education Funding Analysis
Current Education Costs and Savings
Education Funding Plan
Education Funding Analysis
Disability Income Analysis
What are Your Choices?
Retirement Income Analysis
Retirement Income Objectives
Liquid Assets and Savings
Retirement Income Sources
Projected Asset Balance
Potential Retirement Solutions
Monthly Out-of-Pocket Savings Needed to Meet Lump Sum Goal
Retirement Savings Alternatives
Life Insurance as a Retirement Savings Alternative
Current Income and Savings
Assumptions
Life/Disability

What can primerica’s FNA do? I have explained mine.

Everything but the disability Insurance. And that is because you can get it cheaper at work than you can through an agent like you.

Just like you proved, You friend on the motorcycle accident, ahd the choice to buy shorter term insurance from the employer, but he choosed not to.

By the way I woudl not contact you, for any reason, since your advice is not worth the cost. And You are going to say it is free, but it is not. Let me show you where it costs:

Starting with annuities: You way cost the client more. You can get away with it since you are using fear of the market. A better way that preserves more of my wealth is either a bond fund or just a money market. When the market starts to correct, and it will I can easily transfer the money to more aggressive fund, and it will cost me nothing to do the transfer.
Your way cost me more fees and more of my money. It locks me in forever, or until I pull the money out. If I pull out early, there is fees and penalties. This is usually for 10 years.
Both can be deferred taxation. Mine can even be tax free. Which is better for the client?

Also this is something Insurance agents have been using this against the Elderly. In California they require you to do things special when you talk to the elderly, because of the abuses sales people like you have done.

So which is better tax deferred or Tax free? Which is better locking them in for life or the ability to move the money with out expense? To charge them more fees and cost, or lower cost?

I guess you will ignore these questions too.
————–

*****Why do you think that it is high pressure MLM?
Every fast track manual that I have read from the web references it. “Must be
coachable” “Just do it” etc.

I mam curious, In a job or any position you get paid for, do you not have to be coachable to be successful? How about you have to just do the work? Did you know the only time success comes before work is in the dictionary.

This is not limited to Primerica, but matter of fact many companies are following Primerica’s leadership classes.
———

Every primerica who has left has told me I know it
is hear say but the RSVP what to know what are your numbers? Every saturday
meeting if you are pulling the numbers you are supposed to then you are not
working hard enough. You are be littled in from of your piers. I want no part of
that.

First they only feel be littled if they did nothing and could have? But why is this anything different than any business? You are asked what your numbers are in any position. If it is customer service, how many people did you help, how many sales did you keep, how many problems did not reach the president? Those are that positions numbers.

But you forgot one, “Compete do not compare”. That was my favorite one. It is the one they say every time I have attended a training meeting. (And I attend them so I can be a better leader at my job.) So what happened to that one. I know since it did not fit in your answer you forgot about that one.
———————

I am not mad at you for trying to insult me about my mother. I can sleep good at
night knowing I am doing the right thing. I must say again, “When a man who is
honestly mistaken learns the truth… He will either cease being mistaken, OR
cease telling the truth.” Which one are you? Honestly.

Well Let us go over what you say and sell.

You say annuities are great because of the market, but then they are locked into that for life. A Better way that takes commissions from you is to use mutual funds, because it can be tax free/ and tax deferred. It will cost nothing to switch when the markets start to correct itself. And you can get to the money with out fees. (Penalties are there but they are able to be waived, Annuities will not waive the penalties)

You sell cash value as a estate preservation. There are better ways of doing this. They are less expensive and give you more value. The only cost is your commissions.

You sell Disability insurance. It cost more than what you can get from your job. Your example even proved that your guy could have gotten it but choosed not to. Why is that anyone else’s fault but his? If he choosed to take drugs or Drink and Drive, he has those choses, but it is not anyone elses fault but his. It is tragic it happens, but just like the People who built thier homes and didn’t want to keep the brush cut back and pay for the better fire system, can’t blame anyone but them selves for losing their homes. The same thing for companies that made money on those loans but now are going broke because of them. I say let them fail.
————-

Take Care,
Bill

Bill,

Since you refused to truly answer all the questions your integrity and honesty is in question. Does you kids know you do not tell the whole truth?

So here are those questions you failed to answer:

But let us see if you will answer these questions so we can gauge your honesty or deception:

What company do you work for? ( You did not answer. What are you Hiding?)

Did you sell any Adustable rate mortgages? You answered but next quiestion, did you sell any optional payment loans? (Remember I can verify from the website if they do it)

Why do you focus on Fixed annuitites and not mutual funds or variable? You gave an answer but it is not complete. so answer it completely since I have already showed that you are taking more money from your clients, and they are not getting the same value that a Primerica agent would give them.

Why do you think that it is high pressure MLM?
You did answer that, but then again your points are not really valid. Every one looks at numbers. Everyone gets dejected when they do not work to their potential.
Also most good companies are using those same slogans, so why is it bad for Primerica? And what about the one you missed, “Compete but do not compare”

Why did you miss that one?

Why do you think Conversion is so good? Isn’t Guaranteed insurability better?

You never answered this one. WHy?

Why do you focus on price?

You said you need to. ANd the only time you focus on price in sales is if you have no value. SO is it you have to since you bring no value, or that you can’t sell value? My Sales agents learn how to sell value, and that is why I make good money there.

What does that Free Analysis cover? And can you prove it?
You did say that, but then again Primerica is equal to it, and they have a name to back it up, no Bill’s Insurance and Bait shop. You also mentioned POL and having to pay. Mind you yes you do have to pay, but the office always has one and they always have a computer that can be used. (At each place I have been there is at least one extra terminal) SO you do not need it until you want to get it. And now they have something a virtual base shop that helps people keep active, from home. That is support that you will never have being an independent.

Why is cheaper better than quality?

You never answered this one?

Why are do you have to sell all those different products instead of focusing on helping one certain group like Primerica?

I could not find this one, but then again you will not claim the company you work for, WHY?

I will be awaiting your answers. To these new questions and the old ones you failed to answer.

Author: Bill
Comment:
*****The answers are finally coming out. You were offered Primerica. May be you
are Like Micheal someone that had to leave or could not pass the back ground
check. That does happen. SOme companies do not worry about your background. WFG
is like that, since they take less than 12 hours to do a background check.

I was offered Primerica and after the first interview I did some research. I
chose not to join and I never joined since the recruiter was not giving straigt
answers. You see I punched in Primerica on my computer and I found an Alex Le
blog that had a lot of interesting comments.

It is funny you said this. Alex closed this blog. He said it is for some and not for others. This is the same thing Primerica says. But sicnxe you may or may not know most of the posters are from people like Michael. They failed but blame the system because it is easier to do that than to say I did not work at it, I did not follow the system, I did not do what was needed. A better one to read would be RipOff Report. I will let you read it.

By the way anyone can post anything on the Internet without being seen. And you can use several different names to back your statements. That is the typical way people who attack Primerica work. They ahve been doing it for over 30 years, in print, in media, and now on the internet.

Bill what is the company you work with/for? I am curious since you ahve never placed it here.
——————————

I researched the facts and wrote
them down to find out if they had any merit to them. I presented it to the
recruiter and he just did not seem to have the answers or he was trying to hid
some facts. He lost his creditability. If he said I am not sure and I would get
back to you I would have waited and respected that, because I did want to know
the truth. By the way I was called from a cold call which by the way I am on the
do not call list and the recruiter said that since he got my name from a friend
that thought that I would be a great Manager in the company that he was with,
and if I wanted to apply for the postion that he would set a time and go over
all the details. I went to the office and received all the hot smoke and Raw
Raw.

Just so you know it is not Raw Raw, but Rah Rah. I guess you did not know this.
————–

The recruiter came over to my house and tried to close the deal. If he was
not going to answer all my questions that I needed answered, I really did not
want to spend time entertaining this agent. I have searched the web and I have
talked to many PFS agents that has left and they all said the same thing about
Primerica. Look at the opportunity that Primerica has to offer and look at the
side by side comparison that my company has to offer. The numbers do not lie.

No Numbers do not lie, people who use them do. Did you know anyone can make bad numbers look good and good numbers look bad. But then again either you knew this and failed to mention this, or you are ignorant. Which one is it?
———

As far as the background check let’s see up until the last four years I work for
a sheriffs unit in a county jail, and not a trustee either I was apart of the
staff. I also had a SENTRI pass that let me cross the international border
without inspection with my vechicle. This was obtained by going through the
department of homeland security. The background check is not a problem. I am
life and health licensed in three states including California.

I am so glad you are all those things, if you are. Remember you can post and say anything here.
Since you have not answered any questions yet, your honesty and integrity are questionable.
——–

*****Did you sell any Adustable rate mortgages?
No

But you did market for a company that did? Did your company offer the optional payment plan? This is one of the reasons we are having the problems in the Financial arena. Or did you forget about that?
———

*****I can see you have chosen the commission.

Let’s try this again. 41 year old male 20 year guaranteed term
with 500,000 in death benefit, in the state of California with a standard health
rating. Premium from my company is $790.00 a year and Primerica is 935.00 year.
NO let’s pick the lowest level that you can be Level 1 Representative. I start
at 55% of the annual commision and you start at 25% of the annual commission. I
just made $424.00 for selling that policy and you made 233.00 for selling
Primerica’s policy. Now you have to sell 2 policies for my every 1 to make the
same amount as money as I did. Let’s take this 1 step further. I just save the
client 145.00 per year and over a 20 year term that’s 2900.00. Plus I am not
commission capped like Primerica is.

THis is why I can do the right thing for my clients. I do not charge fees for a
free Financial Needs Analysis (FNA) or on insurance, mortgage or (commission
based) investment business. I am compensated in two ways: I am compensated by
the numerous insurance, mortgage and (commission based) investment companies I
work with. I am also “paid” with referrals to other individuals, families, and
businesses that he can help. This form of “payment” allows me to spend his time
with those that not only need his help, but who also want his professional
experience in making wise decisions with their money. This is why I can stick to
the mission because I do not have to worry about the commission.

To repeat myself the companies you represent are at least having questionable ethics, and at most the reason why we are having the financial meltdown.

And since you sell them are you part of the problem?

But here are the problems again:
Cash value or term that converts into cash value. Question who says cash value is good? Wall street journal said “Only Companies that sell it and the agents promoting it” Who says cash value is bad? Suze Orman, Dave Ramsey, and every other competent advisers.

Your Mortgages: They sell ARMs, or adjustable rates mortgages. They have been proven to be the number reason people are defaulting. Who have said ARM’s are Toxic? Business Week in 2006.

Fixed Annuities: They make more money for the agents while not increase the wealth of the client. They are not good for Middle American families since they are looking to increase their wealth. Annuities are the last thing you should use since they have such high fees.

Cash value as an estate preservation: This is the wrong tool just like a wrench can be used as a hammer it does not make it one. And just like using a wrench as a hammer it can and will cost you more in the end.

Why not comment on that?
——————

*****What company do you work for?

I do not want to take away from this blog or let anyone think that I am using
this as a recruitment tool. So I will let you know if you e-mail me at
vicorborlin@yahoo.com

So you hide. But then again you attack Primerica.
This is typical for anyone against Primerica. The only person that showed he had any guts is Michael. The only problem with him is he took the easy sleazy way out.

So Tell us here what you work for or be rinded that you are hiding. What are you hiding?

————-

*****Why do you think Conversion is so good? Isn’t Guaranteed insurability
better?

Primerica’s policies: ART policies are designed for short-term needs and
premiums increase annually upon each renewal, up to a specified maximum. The
premium is based on your age at the time of renewal. So if you need coverage in
your later years premiums may become unaffordable. They will continually renew
for 5 level terms up until age 70. After that you have the choice as exchanging
for a decreasing term policy or an ART (Annually Renewable Term) policy.

Again you are going for a 70- year old. Why not pick a better age like 50 since a 20 year old term will expire at that time. Or 60? I know because it does not fit in your little box and will destroy your point.

So why does a 70 need to have Income Protection if he was taken care of correctly? Answer her does not. So Bill is planning on screwing his clients so they have to have insurance their entire life. I guess he is a sales person set on commissions.
————–

Conervsion = You get 20 or 30 years of highest death benefit for the lowest cost
as term and then you upgrade to permanent when your high vulnerability period
ends. Now you can use the conversion (guaranteed wihout evidence of
insurability) to plan for your estate.

Again You are using a wrench instead of a hammer. Why not suggest better ways that make you less commission?

Please answer this?
———-

No you are not locked into it forever if you decide that you do not need it let
it lapse, however it is there if you want to keep for the rest of your life. You
will not have to worry about the premiums increasing or exchansing it for a
decreasing term policy.

First it is not decreasing term nor an exchange (Look at spelling). Second Guarantee insurability is free and does not mean you have to pay 2 to 15 times more. And lastly, why are you setting up your clients to fail?

*****Why do you focus on price?

Would you want your clients to say it does not matter what it costs sell it to
me anyway. I focus on price because it’s the right thing to do for my clients.

So you do not care of the value you bring. I guess you do not tell them that. You hide it like the name of the company you work for. I am curious why do you think it is Honest to attack but then hide the name you work for. Do you think you can have a level playing field. What are you hiding?
———-

I
make more money than a Primerica agent does and let’s see.

And where does this money come from? It has to come from the client. So the client is getting something less. But then again you have said you sell on price because you have to. Most people rather have value than a cheap product. But then again you make more so they have to be taking it from the client which means it cost him more. Or do you think the money is magically appearing?

——-

Going back to the
male example if a client was ok with paying 935.00 a year for 500,000 in death
benefit, I could let the client know that for about same amount of money I could
get them 600,000 in death benefit. Run the numbers http://www.term4sale.com

But what do they lose? Since they are paying you more, and they get more, no company can stay in business not making money. I know it is magic. But then again you do sell cheaper products, that pay you more. One can only figure that either you are lying about your compensation, which we can’t independently verify since you are Hiding the name, or you are lying about the numbers. And since the numbers are able to be verified, you must be lying about the compensation.
———–

Now if you
want to see what a person would pay with the same info for a Primerica policy
for 600,000 in death benefit it’s 1,107.00. Which is 172.00 savings a year or
3,440.00 in twenty years. Who am I working for the company or my client.

Let’s now look at that commission I made $514.00 and you made $276.00 at
representative level. You work twice as hard and make the same money. Come on
that’s why I focus on price it does not come out of my clients pockets and I can
offer more death benefit protection for the same premium. Really who would you
chose?

Well Let us look at what you have give us:

Numbers that can’t be verified. A Company that is not identified.

So where is the independent verification? You keep using that term website, but if you spend 5 minutes investigating it, you find out that it si selling its software. Since Primerica is a captive agent only company, why not slam it. Besides it is apperent you lack sales skills, since you say that price is the only thing you can offer your clients, or as most people would say victims.

So Why not let us be the judge, give us the name of the company, unless you have something to hide.
———-

*****Why are do you have to sell all those different products instead of
focusing on helping one certain group like Primerica?

Because I am an advisor and not a salesman. I have products to offer if it fits
their needs.

With advise like yours one can wonder why we are in this financial mess? You sell for companies that sell cash value. You say you offer fixed annuities. You say you offer cash value. You sell for mortgage company that sells ARM’s and optional payment plans.

You are similar to the special I saw a couple weeks ago. It talked about World War 2, and how the Nazi’s got all that power. The Nazi Party was not the biggest or the strongest. They used freinds to turn in friends, and paid for you to turn people in. Now I do not think you are the Nazi Party, (That would be more like the Companies you sell for.) you are those collaborators, the ones who helped them and made money off the blood of their fellow man.
————-

Why does Primerica sell Prepaid Legal?

The answer to this is pretty easy. Because our clients need it. How many people need a will? Everyone. How many people will use a lawyer in their lifetime? Almost 100%. How many can afford to pay $300 for a will? Not many? How about $300 an hour to get that neighbor to stop harassing you? How about $300 for that debt collector from harassing you? How about a better price for a good lawyer when you have problems?
The list goes on, but since you lack knowledge and wisdom, I guess you will not be able to understand this.

Also their is no annual licensing fee. It is included in the 99 dollars.
———

Why do they have a referral program for Auto, Home, Renter, & Condo Insurance?
Why does not the Primerica agents have Property & Causality license?

First they did, but it was not profitable for the company to keep selling it. Remember that the company needs to be in business so it can make money. I know that you may not understand this with your believe that you are selling something cheaper and making more money ion it, but then again What is your company so we can INDEPENDENTLY verify your numbers?

And why do they use referrals? Simply because it is a good program for the client and the agent. The Client gets to see what is out there, not just one company but several. The agent gets paid a fee to get the client to them. The client also will not be pestered to buy cash value, nor will they be bothered with any other services they sell. Pretty good for client, and great for the agent.
———–

*****I bet you see you mother once a month in that home you placed her in. I f I
treated my mother like the way you treat you clients with term that only can be
converted and fixed annuities, my family would disown me. Have they done that to
you yet?

I can do fixed and fixed indexed annuities and securities. Have you been
tracking the market. I guess it still save to put that money in the 401k. I am
glad no one is scarded to invest in todays market. I am sure no one wants a safe
investment vechicle.

I guess you never Read a book called ‘The Minute Millionaire” It is a great book. It is kind of thick but it is able to be read by anyone. One side is a story, the other is the technical way of speaking.
It says in it you have a choice you can have freedom or security not both. Since you are forcing your clients to chose security over freedom, you are setting them up to fail

But let us look at the market for teh last 87 years. 2001 it dropped. From 2002 to about 2008 we were having record gains. Yes we lost some of those gains but we will grow again.

No Fixed annuities get nothing of the gains. Fixed indexed annuities only get the average of the gains. That means you clients lose out on the market highes. I am curious do you know what the mutual fund market has done for the last 25 years? Average 12%. Did you know some mutual funds have gotten an average of 20%? ANd the cost to get in and the annual fees are considerable less than any annuities.

The only person who makes money on fixed annuities are those that sell them. The fees are higher, the cost are higher.

So how is this good for your client, locking them into a savings plan that is based on the low end of the market.
And if you are helping them so much, let me ask you this, when do you buy? When do you sell? I mean anything?
the market is the only place where people buy when it is high and sell when it is low. That is the stupid ones and those with advisors (Spelling done for you) that do not understand anything.
———

Sorry dude, My mother passed on and it was a horrible death and she was never in
a home other than her own home. That’s why insurance and financial planning is
very personal to me. When you lose a loved one insurance cannot bring them back
it can only help relieve the financial burden that has been placed on the family
and loved ones. I guess that is some more of the insurance party line that I
have swallowed. I can not believe that you are not a Primerica agent.

There goes another things, you are wrong again.

Why are
you working for Primerica? What is your motivation? If you are going to tell me
you are not an agent (wink wink) then why do you have insurance? I bet your
mother would be proud you the way you talk about other peoples mothers. Now I
guess you can make the joke about how I killed her with my insurance. I see that
it is getting personal with you. My wife and kids are still living why don’t you
crack on them.

*****Why do you focus on Fixed annuitites and not mutual funds or variable?

Read the papers, watch the news. What is the market doing? There are safer
accounts out there.

*****What does that Free Analysis cover? And can you prove it?

My needs analysis software which I do not have to pay for or pay a monthly fee
in POL like in Primerica.

If you tell me the state you live in and if it is one that I am licensed in I
will set up a time with you and we can discuss your current financial situation.
I will help you meet your financial goals. It costs nothing and I would be glad
to see if I could make your finances more efficient. I would be glad to give you
a quote on afforadable term insurace to protect your most important assests.
Your family. I can gerenerate a 29 page report giving you a free report of your
financial situation. I can prove it. It contatins the following information:
Client’s Financial Inventory
Monthly Cash Flow
Estimated Gross Monthly Income
Estimated Monthly Taxes/Withholdings
Estimated Monthly Expenses
Estimated Discretionary Income
Debt Service Ratio
Household Debt
Personal Net Worth
Assets
Liabilities
Survivor Needs Analysis
Immediate Cash Needs
Ongoing Income Needs
Income Sources
Survivor Needs Analysis – Detailed Income Needs
Survivor Needs Analysis – Summary
Education Funding Analysis
Current Education Costs and Savings
Education Funding Plan
Education Funding Analysis
Disability Income Analysis
What are Your Choices?
Retirement Income Analysis
Retirement Income Objectives
Liquid Assets and Savings
Retirement Income Sources
Projected Asset Balance
Potential Retirement Solutions
Monthly Out-of-Pocket Savings Needed to Meet Lump Sum Goal
Retirement Savings Alternatives
Life Insurance as a Retirement Savings Alternative
Current Income and Savings
Assumptions
Life/Disability

What can primerica’s FNA do? I have explained mine.

*****Why do you think that it is high pressure MLM?
Every fast track manual that I have read from the web references it. “Must be
coachable” “Just do it” etc. Every primerica who has left has told me I know it
is hear say but the RSVP what to know what are your numbers? Every saturday
meeting if you are pulling the numbers you are supposed to then you are not
working hard enough. You are be littled in from of your piers. I want no part of
that.

I am not mad at you for trying to insult me about my mother. I can sleep good at
night knowing I am doing the right thing. I must say again, “When a man who is
honestly mistaken learns the truth… He will either cease being mistaken, OR
cease telling the truth.” Which one are you? Honestly.

Take Care,
Bill

The truth is coming out about you. They say the leader makes the team. ANd if the leader is not teaching, coaching or mentoring correctly the team will fail. It is funny that You blame Primerica. This sounds like you are the foxy in Aesop fables. (Sour Grapes)

Michael Thomas @ 3:35 am

“:
*****The answers are finally coming out. You were offered Primerica. ”

Let’s be clear… I choose to leave after 16 years – I resigned. I did not “bave to leave”. Don’t put words in my mouth or twist my story.

I left because of all the reasons listed above multiple times. I was tired of eveyone in my base shop being BROKE and my client paying too much for all products.

Now if everyone was broke in your baseshop then it has to be your responsibility. Primerica gives you amble opportunity to make money. They do only carry products that are good for the clients. They do not do ARM’s or optional payment loans. They do have several ways to get your out of debt, the true cancer of the Middle American Family. So I guess you failed, since so many other base shops have succeeded and continue to grow. Just like all those companies that are failing and getting into trouble, it is a failure of leadership.
———–

Example, this month, Novmenber one of the “least productive” months in this industry, we broke a $100k Base Shop. Two people, outside of myself, broke $20k of income, and another broke $12k of incoem – all three were previous PFS RVPs that I hireed after I left.

I am so glad you make money. Too bad it is selling products that are not good for the client. You sell term that is used as a loss leader. You sell mortgages that have the optional payment. (This has been proven to be one of the Mortgages that has caused the financial meltdown.) I can go on, but you are no better than Bill.

Anyone can sell garbage and make money. I guess you forgot about quality.
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Anything yo can do in PFS you can do in PFS, you can do better as independent.

There is something you do not get by being independent, a name to back your work. I mean Most people do not want to goes to Michael’s Insurance and bait shoip for financial advise.

Do you tell your future clients that you failed to lead a group to success and blamed the company you represented.

Ron Seeback and Steve Edwards both resigned from PFS in October…..

I do not know them or the reasons, but then again if they know you and follow your leadership, I can see why they failed. It is apparent you take the easy sleazy way out. Yes you can make more money outside of PFAS. Look at all the insrance companies and the building they own. I mean TransAmerican owns buildings in every Major City. But they afford that off the backs of their clients.

If you want to follow Michael’s lead, go with the easy sleazy money. If you want your name to mean more than cheap products and less value, please work for him. You can either do it right or easy, but never together.
It proves that Michael could not lead. And now he takes the fame of success but never the blame of failure. You remind me of many people who blame everyone else for their failures. You will fail again, it is inevitable. It is what you are.
———–
PFS’ers reading this: aren’t you tired of being broke?

I am not sure but then again, most PFS’ersm are part time and make more money part-time

But let us go back to the original point that Tom made and you have chose to ignore.

What is the cost to join Primerica and what does it include? If you have been talking to anyone in Primerica you should know this.

And to Quote Bill:
Again, When a man who is honestly mistaken learns the truth… He will either cease being mistaken, OR cease telling the truth.

Which one are you?

Let’s be clear… I choose to leave after 16 years – I resigned. I did not “bave to leave”. Don’t put words in my mouth or twist my story.

I left because of all the reasons listed above multiple times. I was tired of eveyone in my base shop being BROKE and my client paying too much for all products.

Example, this month, Novmenber one of the “least productive” months in this industry, we broke a $100k Base Shop. Two people, outside of myself, broke $20k of income, and another broke $12k of incoem – all three were previous PFS RVPs that I hireed after I left.

Anything yo can do in PFS you can do in PFS, you can do better as independent.

Ron Seeback and Steve Edwards both resigned from PFS in October…..

PFS’ers reading this: aren’t you tired of being broke?

I was offered Primerica and after the first interview I did some research. I chose not to join and I never joined since the recruiter was not giving straigt answers. You see I punched in Primerica on my computer and I found an Alex Le blog that had a lot of interesting comments. I researched the facts and wrote them down to find out if they had any merit to them. I presented it to the recruiter and he just did not seem to have the answers or he was trying to hid some facts. He lost his creditability. If he said I am not sure and I would get back to you I would have waited and respected that, because I did want to know the truth. By the way I was called from a cold call which by the way I am on the do not call list and the recruiter said that since he got my name from a friend that thought that I would be a great Manager in the company that he was with, and if I wanted to apply for the postion that he would set a time and go over all the details. I went to the office and received all the hot smoke and Raw Raw. The recruiter came over to my house and tried to close the deal. If he was not going to answer all my questions that I needed answered, I really did not want to spend time entertaining this agent. I have searched the web and I have talked to many PFS agents that has left and they all said the same thing about Primerica. Look at the opportunity that Primerica has to offer and look at the side by side comparison that my company has to offer. The numbers do not lie.

As far as the background check let’s see up until the last four years I work for a sheriffs unit in a county jail, and not a trustee either I was apart of the staff. I also had a SENTRI pass that let me cross the international border without inspection with my vechicle. This was obtained by going through the department of homeland security. The background check is not a problem. I am life and health licensed in three states including California.

*****Did you sell any Adustable rate mortgages?
No

*****I can see you have chosen the commission.

Let’s try this again. 41 year old male 20 year guaranteed term
with 500,000 in death benefit, in the state of California with a standard health rating. Premium from my company is $790.00 a year and Primerica is 935.00 year. NO let’s pick the lowest level that you can be Level 1 Representative. I start at 55% of the annual commision and you start at 25% of the annual commission. I just made $424.00 for selling that policy and you made 233.00 for selling Primerica’s policy. Now you have to sell 2 policies for my every 1 to make the same amount as money as I did. Let’s take this 1 step further. I just save the client 145.00 per year and over a 20 year term that’s 2900.00. Plus I am not commission capped like Primerica is.

THis is why I can do the right thing for my clients. I do not charge fees for a free Financial Needs Analysis (FNA) or on insurance, mortgage or (commission based) investment business. I am compensated in two ways: I am compensated by the numerous insurance, mortgage and (commission based) investment companies I work with. I am also “paid” with referrals to other individuals, families, and businesses that he can help. This form of “payment” allows me to spend his time with those that not only need his help, but who also want his professional experience in making wise decisions with their money. This is why I can stick to the mission because I do not have to worry about the commission.

*****What company do you work for?

I do not want to take away from this blog or let anyone think that I am using this as a recruitment tool. So I will let you know if you e-mail me at vicorborlin@yahoo.com

*****Why do you think Conversion is so good? Isn’t Guaranteed insurability better?

Primerica’s policies: ART policies are designed for short-term needs and premiums increase annually upon each renewal, up to a specified maximum. The premium is based on your age at the time of renewal. So if you need coverage in your later years premiums may become unaffordable. They will continually renew for 5 level terms up until age 70. After that you have the choice as exchanging for a decreasing term policy or an ART (Annually Renewable Term) policy.

Conervsion = You get 20 or 30 years of highest death benefit for the lowest cost as term and then you upgrade to permanent when your high vulnerability period ends. Now you can use the conversion (guaranteed wihout evidence of insurability) to plan for your estate.

No you are not locked into it forever if you decide that you do not need it let it lapse, however it is there if you want to keep for the rest of your life. You will not have to worry about the premiums increasing or exchansing it for a decreasing term policy.

*****Why do you focus on price?

Would you want your clients to say it does not matter what it costs sell it to me anyway. I focus on price because it’s the right thing to do for my clients. I make more money than a Primerica agent does and let’s see. Going back to the male example if a client was ok with paying 935.00 a year for 500,000 in death benefit, I could let the client know that for about same amount of money I could get them 600,000 in death benefit. Run the numbers http://www.term4sale.com Now if you want to see what a person would pay with the same info for a Primerica policy for 600,000 in death benefit it’s 1,107.00. Which is 172.00 savings a year or 3,440.00 in twenty years. Who am I working for the company or my client.

Let’s now look at that commission I made $514.00 and you made $276.00 at representative level. You work twice as hard and make the same money. Come on that’s why I focus on price it does not come out of my clients pockets and I can offer more death benefit protection for the same premium. Really who would you chose?

*****Why are do you have to sell all those different products instead of focusing on helping one certain group like Primerica?

Because I am an advisor and not a salesman. I have products to offer if it fits their needs.

Why does Primerica sell Prepaid Legal?

Why do they have a referral program for Auto, Home, Renter, & Condo Insurance? Why does not the Primerica agents have Property & Causality license?

*****I bet you see you mother once a month in that home you placed her in. I f I treated my mother like the way you treat you clients with term that only can be converted and fixed annuities, my family would disown me. Have they done that to you yet?

I can do fixed and fixed indexed annuities and securities. Have you been tracking the market. I guess it still save to put that money in the 401k. I am glad no one is scarded to invest in todays market. I am sure no one wants a safe investment vechicle.

Sorry dude, My mother passed on and it was a horrible death and she was never in a home other than her own home. That’s why insurance and financial planning is very personal to me. When you lose a loved one insurance cannot bring them back it can only help relieve the financial burden that has been placed on the family and loved ones. I guess that is some more of the insurance party line that I have swallowed. I can not believe that you are not a Primerica agent. Why are you working for Primerica? What is your motivation? If you are going to tell me you are not an agent (wink wink) then why do you have insurance? I bet your mother would be proud you the way you talk about other peoples mothers. Now I guess you can make the joke about how I killed her with my insurance. I see that it is getting personal with you. My wife and kids are still living why don’t you crack on them.

*****Why do you focus on Fixed annuitites and not mutual funds or variable?

Read the papers, watch the news. What is the market doing? There are safer accounts out there.

*****What does that Free Analysis cover? And can you prove it?

My needs analysis software which I do not have to pay for or pay a monthly fee in POL like in Primerica.

If you tell me the state you live in and if it is one that I am licensed in I will set up a time with you and we can discuss your current financial situation. I will help you meet your financial goals. It costs nothing and I would be glad to see if I could make your finances more efficient. I would be glad to give you a quote on afforadable term insurace to protect your most important assests. Your family. I can gerenerate a 29 page report giving you a free report of your financial situation. I can prove it. It contatins the following information:
Client’s Financial Inventory
Monthly Cash Flow
Estimated Gross Monthly Income
Estimated Monthly Taxes/Withholdings
Estimated Monthly Expenses
Estimated Discretionary Income
Debt Service Ratio
Household Debt
Personal Net Worth
Assets
Liabilities
Survivor Needs Analysis
Immediate Cash Needs
Ongoing Income Needs
Income Sources
Survivor Needs Analysis – Detailed Income Needs
Survivor Needs Analysis – Summary
Education Funding Analysis
Current Education Costs and Savings
Education Funding Plan
Education Funding Analysis
Disability Income Analysis
What are Your Choices?
Retirement Income Analysis
Retirement Income Objectives
Liquid Assets and Savings
Retirement Income Sources
Projected Asset Balance
Potential Retirement Solutions
Monthly Out-of-Pocket Savings Needed to Meet Lump Sum Goal
Retirement Savings Alternatives
Life Insurance as a Retirement Savings Alternative
Current Income and Savings
Assumptions
Life/Disability

What can primerica’s FNA do? I have explained mine.

*****Why do you think that it is high pressure MLM?
Every fast track manual that I have read from the web references it. “Must be coachable” “Just do it” etc. Every primerica who has left has told me I know it is hear say but the RSVP what to know what are your numbers? Every saturday meeting if you are pulling the numbers you are supposed to then you are not working hard enough. You are be littled in from of your piers. I want no part of that.

I am not mad at you for trying to insult me about my mother. I can sleep good at night knowing I am doing the right thing. I must say again, “When a man who is honestly mistaken learns the truth… He will either cease being mistaken, OR cease telling the truth.” Which one are you? Honestly.

Take Care,
Bill