Primerica and its insurance selling strategy. You can find many articles, discussions and blogs dealing with this topic. But usually it's from the (potentional) employee's point of view. It's MLM structure, entrance fees, poor tuiton...

But let's have a look on Primerica from the client's point of view. (On the other hand, client often equals adviser in Primerica). As a professional, who has a long ongoing experience with the whole variety of financial products, I would like to point out five things you should consider as a potential Primerica policy buyer.

1. Term life for all.Yes, I am selling term life too, but I know despite being an excellent product, it doesn't fit everybody. There are situations, when you should prefer permanent policy (child with a permanent disability, insurance needed to offset taxes on an investment property, or the transfer of a family business...).
2. Part-time weekend advisers. Would you really like to have your money managed by non-educated adviser, who works in local laundry during week and sells insurance during weekend? I am sure there are some financial experts in Primerica, but Primerica's strategy is quantity, not quality of employees...
3. It is expensive. Every policy carries a pyramid of commisions for all levels of advisers. Despite some better products (25 year/30 year term life) it's overpriced!
4. Policies are non convertible. So if "something" happens, you are out of luck...
5. Captive sales force - you will be offered only one sort of products, no matter what are your real needs...