re: Is Primerica a pyramid scheme?

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I my years selling ins I found that primericas 30 yr term was as inexpensive as any I saw.. actually they were one of the first that came up with the 30 year term.
The companies I worked for only offered 20 year.

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Then if it a quality product then why use that business model? Are there any salaried worked in these companies? It is a damn good set up for the company because it seems like there is little spend on advertisement, but IMO I think the model is somewhat unethical.. Which doesn't make it illegal so go for anyone who has success within these companies. It just seems like a majority of their business comes from the average person they know will likely make a few sells then will not be able to climb up after that.

For those in support of it, why do they make people have to sell so much before they can actually start making money? If I recall, the guy I knew who was in it made nothing or very little for the first sells he had to make. My first thought when he told me about how it worked was that they are obviously banking on most people to not make it big so they are basically getting them to sell to their family and friends without even paying them.