Life Insurance Reviews
Primerica Life Insurance Company Life Insurance Reviews
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(33 reviews)
Affordable Life Insurance?
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Good insurance company to be with and reasonable rates
I've been a client of Primerica for years, no fancy confusing presentation , no push salesperson - education on all my options even the ones they don't offer (and why) just the fact based on numbers. Just what I wanted to make an informed decision.
I gladly tell everyone to enlist Primerica to help you
Not sure if you can qualify for life insurance with existing health pre-conditions? Let us to help you with a no medical life insurance quote, meaning that you do not need to pass a medical exam to qualify for a life insurance policy.
We were able to get a good policy for my son at reasonable rates but what I liked best was the free Critical sickness of 40% in case he was to get sick. We can use that money to get him alternative treatment if it is available or to be able to do the things that we can't afford to do in his last days. Thank you, Primerica for that peace of mind.
Primerica only sells term life insurance. What if I want permanent insurance - where the insurance never expires and the premium never increases?
I want a choice! Therefore I will buy insurance through a "real" life insurance company.
We have had Primerica life insurance for over 25 years. We just renewed at very reasonable rates for our ages. Our Primerica representative helped us to find more saving as I guess rates have gone down recently with new product lines. We had a free Increasing Benefit Rider that gave us a 50% increase in the face amount without having to prove that we were still healthy. We also have a free Terminal Illness Benefit rider that pays 40% of the death benefit in advance if either of us comes down with anything nasty health-wise...to cover better treatment or living expenses in case you couldn’t work for months before death. It’s the greatest, and any time that I have gotten a quote somewhere else, the other company couldn't give the same benefits or if they could, it was way more costly for a similar term length! We were also educated by Primerica that with term insurance you need to be saving money for the future because after your kids are moved out and your mortgage is paid, you need cash to live on during retirement. Why would we need any insurance then? We will be self-insured with a pile of money, no mortgage and no more kids to raise. We love good financial planning!
Did you know there is a 35% chance of developing a critical illness before you are 65 and 65%-70% chance before you turn 81? That means getting a critical illness insurance quote is no less important than getting life insurance. Your choice.
I had SunLife insurance for 35 years with 6000$ in cash value accumulated, the Primerica agent told me I was about to lose all my savings (6k$) and go from 42$ to more than 200$ per month. I called SunLife to find out it was all true! So, I switched to Primerica and I saved a lot!
Faithfully paid my premium for over 30 years. Then they have the gall to raise my rates 400 percent. Not good business practice. Thanks for nothing. Would be nice to get some money back other than an overpayment of $41.33. That's a joke. Don't waste your time with this company.
If I could give this company negative stars, I would. Too bad it's not an option. It's a sham, sham, sham. Since the late 1980's, my husband and I have faithfully paid our premium. In 2008, when my husband turned 56, understandably, there was a premium increase, but not horrible. It was modest and very manageable. We anticipated another premium increase in 10 years, but ... now that he has turned the RIPE OLD AGE OF 66, the premium QUINTUPLED. Yes, you read that right. Our premium is now FIVE TIMES MORE than it was. And, this company couldn't give a rat's a** about how we feel. Their nonchalance is astounding. So, for over 20 years we have paid our premiums and never ONCE did they have to chase after a payment. It was never late and we thought we had confidence that this was a company we could be with for yet another 10 years. Now, this has absolutely NOTHING to do with our health. Both of us are very healthy, as a matter of fact, my husband still works FULL TIME! We have set his retirement date for May 1 of 2019. But, maybe he'll keep working, too. I would never, ever recommend this horrible company to ANYONE. Run as fast as you can from ANYONE who mentions the name "Primerica". It's a horrible, horrible company and I feel for all of you who have left honest reviews about how you were deceived. Also, make sure when you cancel to also let your bank know not to let them take one more cent from you. Make sure you stop auto-debit so Primerica can't steal one more payment from you.
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I applied for term life insurance. For some reason, I was declined. They supposed to send me a written letter and a refund of my money but they never did it. I called them many times to ask them why they still keep saying that they will resend it to me. They verified my address but I never received it. I waited 3 months already. I asked them if they can email the letter which explains about their declining my application and they are issuing my refund but they said they can't do it. It is really frustrating to get your money back after they charge you. I am also considering my husband's insurance with them because I can't trust the company anymore.
I have great respect for the fact that they do not try to scam you with phoney life insurance "products" (eg: "whole" life) but focus and encourage simply protection, ie: term life. I have been able to get a substantial amount of protection for my wife and myself at relatively low cost because of this as opposed to a "whole" life policy that I used to have several years ago.