Primerica Life Insurance Review

Primerica Life Insurance Review

Primerica Life Insurance Review (Updated 2018) – I think you’ll agree with me when I say: Most people shopping for life insurance are worried about choosing the wrong life insurance company.

Well, the good news is those looking for an honest and helpful review on Primerica Life Insurance, you have come to the right place.

“Is Primerica a good life insurance company?”

This Primerica life insurance reviews and covers some of the basic services and types of life insurance that Primerica Life Insurance offers. It will provide you a general overview of the all the reasons why you should not choose Primerica Life Insurance as your insurer.

You can get an idea of what cheaper insurance rates look like by using our instant online life insurance quotes tool right below, or continue reading for more information on why you should not choose Primerica Life Insurance.

Primerica Life Insurance Review: Buyer Beware

Bottom line?

When you go to visit the website of an insurance company, you should be able to obtain a quote on the website.

life insurance companies review

Most insurance companies offer this feature to their potential customers. Primerica Life Insurance, however, does not.

The company has no quote information whatsoever regarding life insurance on their official website.

Primerica or Prime America as some refer them as – is strong financially. They sell many types of financial products like securities and investments. They also sell life insurance to consumers.

However, life insurance doesn’t seem to be Primerica’s number 1 priority when it comes to their business. Prime America or Primerica makes a significant amount of their business by managing assets.


Strong Financially

A+ Rating from AM Best

Product Variety

Primerica offers a variety of life insurance products


No Online Quotes

There is no convenient way to compare rates with other carriers online.

Life Insurance isn't their PRIORITY

Primerica does a lot of business with managing assets as well as life insurance.

Primerica Life Insurance Quotes

Want Primerica whole life insurance quotes? How about Primerica term life insurance quotes?

You won’t find them or get them on their website.

You won’t be able to run instant quotes on their website and compare them like you can on Life Insurance Blog.

Compare Life Insurance Quotes

It’s always best to compare rates from multiple companies. Get free instant online quotes here.

Why Doesn’t Primerica Fix the Problem?

Look: If you were overcharging your customers, would you make it clear to them before they signed a contract with you?

Of course not. Primerica, with overpriced insurance rates, is not up front with customers about pricing.

Cheaper rates can be found with companies such as:

Limited Number of Options at Primerica Life Insurance

What’s the real story?

The agents at Primerica only sell Primerica.

In other words, they are connecting with you solely to try to lure you into purchasing the life insurance they will benefit from; they are not trying to help you find the best rates for your needs.

An independent life insurance agency like ours will allow you to get an…

unbiased understanding of the differing rates for various insurance companies.

This knowledge will enable you to effectively compare and evaluate each company and select the one that can help you best.

Primerica Life Insurance Does Not Cover High-Risk Insurance

That’s not all.

The agents at Primerica do not specialize in high-risk life insurance.

High-risk life insurance covers those with pre-existing health issues that require large amounts of coverage. Therefore, if you have multiple sclerosis, asthma, diabetes, Crohn’s disease, etc., you will not receive the coverage that you deserve.

For high-risk life insurance cases, you will need an agent who knows which companies will approve your situation at the best rates.

Using Primerica as your sole life insurance provider…

…puts you at a disadvantage.

What If I Already Have Life Insurance with Primerica? Is There Any Hope?

If you are already working with Primerica as your life insurance provider, don’t despair. We often work with existing Primerica Life Insurance policyholders with no problems.

We are usually able to help those who are currently using Primerica Life Insurance to save money on their term life insurance rates.

If you are in this situation, we are able to help.

To compare quotes for term life insurance, you can use our instant life insurance calculator, or you can call us at 888-411-1329 to start saving money on your insurance.

Primerica Life Insurance Review

Thank you for reading our post, Primerica Life Insurance Review. Please leave a comment or question down below.

To learn more about life insurance, make sure to visit our page Life Insurance 101 and find out all the shopping and insider tips to buying life insurance.

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Michael Quinn

Michael Quinn

Michael is owner & life insurance expert at Life Insurance Blog where we've helped thousands of shoppers learn and secure affordable life insurance online.
Simple way to compare and buy life insurance

The Simple way to compare and buy life insurance

3 thoughts on “Primerica Life Insurance Review”

  1. Great article! Thank you… I want to add that the reason why they cannot provide online quotes is because they are a Multilevel Company. Therefore, they want to meet you in person to sell you a policy but they also want to recruit you! . They want you to join the “Business Opportunity” and recruit families and friends of the recruits….deceiving!!

  2. I have a sister that is with Primerica for 20 year now they are raising rates to 800.00 a month. I understand that they are in their late 60s and 70s in age but …. COME ON Primerica.

    Can she froce them to bring premiums down?

    1. If the term expired they can raise the rates and there is not much you can do. I don’t recommend them as a company, your sister will be better off getting a new policy at a lower rate.

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