Company-specific checklist
Someone pitched me Primerica. What should I ask?
If someone invited you to join Primerica, separate the recruiting conversation from licensing requirements, costs, and representative earnings information.
If you only have five minutes:
- Do not pay during the pitch.
- Ask for written documents before another meeting or purchase.
- Compare any earnings claim with costs, refund rules, and cancellation deadlines.
If you are being pressured right now: You can pause the conversation without debating the opportunity. Ask for written documents, take time away from the pitch, and decide later.
- Do not pay during the first conversation.
- Ask for the documents listed below.
- Use a script if you need more time.
Documents to request before paying
Ask for these in writing:
- The current income disclosure or earnings statement.
- The compensation plan or business plan.
- A full first-year and recurring expense list.
- The refund, cancellation, subscription, and inventory return rules.
You can ask to read these away from the pitch before paying, ordering product, joining a subscription, attending a paid event, or contacting friends.
- The current earnings statement.
- A written list of licensing, exam, background check, technology, marketing, travel, and recurring costs.
- The independent contractor terms and product lines that require licenses.
- The cancellation or refund rules for any fee, tool, or subscription.
Common costs to check:
- Product, samples, shipping, and taxes.
- Starter kits, renewal fees, websites, apps, or back-office tools.
- Training, events, tickets, travel, meals, lodging, and childcare.
- Advertising, giveaways, displays, packaging, or payment fees.
- Licensing, exam prep, background checks, or required continuing education.
- Unsold inventory and unpaid time.
Gross income is not the same as money kept after these costs.
Questions to ask in writing
- What percentage of new recruits become licensed and receive commissions within 12 months?
- Does the earnings statement describe life-licensed representatives, new recruits, or both?
- What happens if I pay to start but do not pass licensing requirements?
- Will I be expected to recruit friends or family before I have product-sale income?
What this does not prove
Being invited to join Primerica does not prove anything about an individual representative. It is a reason to understand licensing, expenses, and participant-level outcomes before paying.
Read next
Sources
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Company disclosure
Important Earnings Statement
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Company policy
Joining Primerica: Frequently Asked Questions
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Public company filing
Primerica, Inc. SEC filings
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Regulator guidance
Business Guidance Concerning Multi-Level Marketing
Correction request
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