Representatives can earn either by selling various financial products and services like life insurance, mutual funds, variable annuities, segregated funds, loans, long-term care insurance and pre-paid legal services or by actively recruiting more representatives to do the same and get a commissions from their sales. Primerica Financial Services is a financial services company that is structured through the MLM business model. That's true, but that doesn't mean that Primerica is immune from abuse of representatives.

They don't have inventory frontloading like MLMs that are product-based. If you can get a Primerica supporter to admit that the company is an MLM, the next argument is that it's not 'bad' like other MLMs. Further details are available from Primerica Financial Services, Inc. The Company may from time to time modify, supplement or terminate any compensation program in any manner. RVPs are responsible for their own business expenses and pay for all office expenses for their base shop representatives. Commissions are subject to deferred compensation account withholding and applicable taxes. There is no guarantee that you will achieve any specific cash flow level. Actual gross cash flow is, among other factors, dependent upon actual organization size, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines.

Personal Income: Primerica has more than 100,000 representatives. The company's website says (bold added by me): No matter how many times representatives of Primerica say that the company is not an MLM, that doesn't change the fact that it is.

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