The beverlycloninger piece (Section 1) really addresses this topic. ______________________________________________________________________
S-C-A-M - acronym for: Some Companies Aren't Mainstream.  Non-mainstream can be like a playground for skeptics and naysayers, can't it?  If a S-C-A-M can be supported by this many big name companies, get an A+ rating from the Better Business Bureau, be listed on the New York Stock Exchange with Canada Pension Plan (CPP) as one of the top 10 holders in the company, and have very few negative comments written about it on the internet compared to the size of the company (~143,000 licensed representatives, ~6 million clients) according to Ripoff Report , I'll take two please.  Keep in mind that the word "scam" can drive a lot of extra traffic to one's website allowing the "extra hits" to generate more advertising revenue.

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Let's do a hypothetical Question and Answer (Q&A):

Q: Primerica doesn't work?  Do you know someone who experienced this?

A: yes.

Q: did this person get the license?

A: no.

Response: no one can make any significant money in Primerica without the license.

or

Q: did this person get the license?

A: yes.

Response: hold on, let me get this straight.  You know someone who got licensed, submitted business, and the company didn't even pay him/her?!  I'm glad you told me about this.  Do you know that that person could sue the company if that's the case?  I'd want to help that person get his/her money.  Every time that I've submitted business to Primerica, they've paid me exactly what the letter of the rule book says I'd be paid.  It has "worked" every time.

Probable response to response: well, maybe he/she didn't submit business.  I don't know.
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Before you accept anyone's excuse that Primerica doesn't work, find out if "they" worked.  Don't let them off the hook.  Did he/she submit any business and enough business? ______________________________________________________________________
Everyone "can" succeed in business but most "won't".

Everyone, who tries to become a Hollywood star, "can" make it but most "won't".

Everyone, who tries to make the NHL, "can" make it but most "won't".

Everyone, who wants to succeed in Primerica, "can" make it but most "won't".

Of course, I wouldn't want to hear about any silly exceptions like: what if someone with down syndrome tried to become a Hollywood star?, what if a cripple tried to make the NHL?, etc.

Why not just accept Primerica for the opportunity and the chance that's available?
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Are you familiar with the 2 percenters in the world?  About 2 percent of the world's population is wealthy.  About 2 percent of people who go into business for themselves will be very successful at it.  Interestingly, Primerica's results just fall in with that statistic.
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Going onto Primerica Online - www.primericaonline.com and going to the Competition Scoreboard (anyone in Primerica has a User ID and Password to view this),

for 2024, there are:

107 seven-figure earners from $8,341,816 down to $1,000,823,

2,631 six-figure earners from $999,034 down to $100,164, and

2,731 five-figure earners from $99,945 down to $36,006.

That's a total of 5,469 representatives who earned over $36,000 in Primerica revenue and that's just for the 2024 calendar year.  Average annual revenue for those 5,469 earners in 2024: $181,505. 

Click on: www.youtube.com/watch?v=pbx79v-QzJk.  I haven't even included the part-timers (about 85% of the licensed people) who make $500, $1,000, $2,000, ... per month in addition to their job income.  There's about 143,000 licensed people in Primerica.
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Q: are there a lot of people making less than $500/month down to nothing?    

A: yes.  It's their business, their license, their work ethic, their decision.  That's an interesting thing with Primerica.  Too much freedom.  Representatives have no boss, no set hours, no quotas.  Many people enjoy and appreciate that sort of freedom but at the same time, it gives one the freedom to fail.  However, that's the case in anything that's fully entrepreneurial.
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"You may come across someone who tried (yeah, right) Primerica and has the story, "I joined Primerica, I got my life license, I got my mutual funds license, and never made a penny with either one of them."  That's a sad thing but if someone had put a surveillance camera on that person 24-7, do you think that he/she might not be able to blame Primerica at all?" ~ helpafamily (from a public thread)