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First I found out that the simple interest mortgage product is definitely NOT a great product because they charge a higher interest rate but to be reasonable, there are people that can benefit from this product. I will just have to carefully judge who to sell this product to. Aside from this product, other products of Primerica seems to be decent and sellable. I am certainly impressed at the idea of teaching families how to manage their finances and help them eliminate debt. This part is really up to the individual agent to do the right thing. Yes, there are other companies out there that will help you refinance your mortgage and consolidate your debt, but they make it your responsibility to know what is out there that fits your needs. Primerica will come to you and help you analyze your financial needs. How can it hurt to have a licensed financial expert come to you and give you a free analysis? Primerica's products were not designed to scam people but unfortunately there are agents out there that will mislead you just to make a buck. Be wise and think through what is being offered but overall the company was designed to HELP...I will sure try my hardest to stick with the original plan.
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