Primerica Courtesy of Primerica Financial Services. Article Feedback Why are you reaching out to us? Share this Article. Primerica Financial Services Primerica Financial Services helps families achieve financial independence by providing solutions for income protection, debt management, asset protection, and asset management. Facebook Twitter Email.
Share this Snippet. Star Featured Content. Hank Aaron Baseball. Trending Trending. Max Cleland Political Figures. Clock Updated Recently. Hoke Smith 1 day ago. Decide which life insurance riders , if any, you want the policy to include.
Calculate how much life insurance you need and how long you want the coverage to last. When comparing rates, be sure the quotes are for the same amount of coverage over the same period of time. Price may not be the biggest driver behind your decision to buy. Look at the number of consumer complaints each company receives, as high numbers can be a red flag about the quality of service. For more guidance, see our life insurance buying guide. Many or all of the products featured here are from our partners who compensate us.
This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations.
Our opinions are our own. NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Because each representative is an independent contractor, the level of service and responsiveness can vary from person to person. You have to contact a Primerica representative to get quotes for its life insurance policies; you cannot get a quote online.
You can use the locator tool to find an agent near you. Thinking of becoming a Primerica insurance representative to boost your income? The complaint ratio reflects how many complaints a company received relative to its share of the market. The national complaint index is 1. If a company has a complaint ratio below 1.
By contrast, a complaint ratio over 1. In fact, Primerica has had lower-than-typical complaint ratios for the past three years. AM Best is a global credit rating agency that is primarily focused on the insurance industry. In the J. Power U. Life Insurance Study, Primerica was ranked 16th out of 24 life insurance companies based on several factors, including product offerings, pricing, customer interaction, and communication.
Primerica was given a rating of , which is below the individual life insurance company average. Depending on where you live, you typically have a free look period of at least 10 days, though it may be longer in your state. During the free look period, you have a few days after receiving your policy to review the documents and cancel your plan if not satisfied.
Once the free look period expires, you can still cancel your Primerica insurance policy whenever you wish. To cancel, contact your sales representative or call When you cancel, ask for a confirmation email to be sent to you for your records. There is not an option if you are nonbinary or prefer not to answer. You may find their application processes outdated and restrictive. For middle-income families looking for a basic term life insurance plan and in-person assistance, Primerica may be a good fit.
And, you may be able to get a policy without getting a medical exam. For those who want more coverage and options, consider Transamerica. Transamerica has eight different plans to choose from, including term, whole, and universal life policies. Transamerica also has more insurance riders available to customize your policy, such as an accelerated death benefit with nursing home care, accidental death benefit , and chronic illness accelerated death benefit.
For families who are looking for basic life insurance plans who may have a friend or loved one who is a Primerica sales representative, Primerica could be a useful option. You can get a simple term life insurance plan and potentially skip the medical exam. However, Primerica may be more expensive than its competitors. Our reviews of life insurance companies are based on a quantitative approach that analyzes each insurer on their stability and reliability, customer service, claims experience, diversity of product lines, and cost.
We compare the terms of each type of policy offered—including available coverage amounts, optional riders, and premium payment options—with those of other major life insurance companies. Lastly, we look at how the company is rated by third-party organizations to determine its reliability and overall reputation. National Association of Insurance Commissioners.
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