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Primerica Life Insurance Review

Here’s our Primerica Life Insurance Review for you. In spite of its questionable strategy, Primerica is a legitimate company that offers real term life insurance. According to the company’s apparent multilevel marketing business strategy, Long-term financial well-beinanyone may become a licensed, full-service agent. Agents who help customers get a cut of any sales they make in exchange for their services.

Pros and Cons of Primerica Life Insurance

Primerica Life Insurance Review - Primerica Life Insurance Logo


  • Access to a wide range of educational resources.
  • Claims that may be made in a matter of moments.


  • A multi-level marketing business model appears to be in place.
  • Borrowers must meet stringent conditions before they may get a loan.
  • We don’t have a long-term strategy.

Primerica life insurance rates

Rates for Primerica’s services are on the high end. These sample rates for 35-year-old nonsmoking men and women in great health should serve as a guide.

  • Policy 10-year/$500,000. Male $20.00, Female $18.81
  • Policy 20-year/$500,000. Male $27.91, Female $25.22
  • Policy 30-year/$500,000. Male $30.83, Female $28.74

What affects my rate with Primerica life insurance?

For customers who are in excellent health, Primerica offers Preferred and Preferred Plus rate tiers, which offer the lowest rates. Consider that the insurance provider is mysterious about how you’re eligible for these cheap rates.

Generally speaking, you’ll need to meet the following criteria to obtain the greatest deals:

  • I haven’t had a cigarette in the previous five years.
  • A work with little danger of injury or death.
  • Undiagnosed and untreated serious medical conditions have occurred.
  • Five years ago, high blood pressure was not identified or treated.
  • A parent’s cardiovascular or cancer-related death before the age of 65 is not permitted.
  • The previous three years have been spent exclusively on commercial flights as a pilot, a student pilot, or any other member of the crew on a commercial flight.
  • A three-year sabbatical from any dangerous sports involvement.
  • In the past three years, I have received one or two penalties for speeding or running a red light.

What types of life insurance coverage does Primerica offer?

Only policies from the National Benefit Life Insurance Company, which covers them, are offered through Primerica, a life insurance broker. Term plans, which can last anywhere from 10 to 30 years, cannot be canceled or repurchased.

Buying terms and then investing the difference is a firm’s suggestion to customers. Its personnel conduct a financial-needs assessment in order to better serve you.

What riders can I add to my Primerica life insurance policy?

You may add standard riders like these to your policy to make it more personalized.

  • Accidental death benefit rider. As a result of your death in an accident, your family will get an additional death benefit.
  • A death benefit rider with an accelerated payout schedule. Up to 70% of your death benefit may be yours if you’re diagnosed with a terminal illness.
  • Rider waiving the right to a higher price. Your insurance premiums will be waived if you become terminally ill or are unable to work for a defined length of time.

Primerica life insurance reviews and complaints

The Better Business Bureau has given Primerica an A+ rating for customer service since 1980. It has received 122 complaints in the last three years, despite the fact that most consumers give it a four-star rating. Many customers had trouble canceling their policies or getting in touch with their broker because of invoicing issues. AM A+ is the highest possible financial rating that may be achieved.

There are only a few reviews on TrustPilot for Primerica, however they have gotten an aggregate rating of 4 stars.

Visit our review of Policygenius Life Insurance Review for one more insurance review.

Discover How Much YOU Can Save on Life Insurance

Our customers save as much as 35% compared to traditional life insurance offers…

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Avatar photo About the author: David Krug is the CEO/President of PolicyPeak, a modern and tech-driven life insurance company. David noticed a gap in the market for personalized policies at an affordable price. He founded PolicyPeak in 2022 with the goal of simplifying the buying process for consumers and offering policies tailored to their unique needs.