Were you contacted by someone hoping to recruit you into Primerica? Primerica describes itself as a great opportunity for people to achieve their dreams. In this review, I reveal what it takes to succeed with Primerica and the statistical odds of success if you try.\n\nCompany Name: Primerica\nProduct: Direct Marketing Business Opportunity\nOpinion: Not Recommended.\nClick to DISCOVER a Proven Path to Financial Independence!\nIs Primerica a Scam?\nPrimerica is a publicly traded multi-level marketing company that sells life insurance and financial services. Primerica representatives are financial advisors licensed to sell life insurance and mutual funds.\n\nWhether or not Primerica is a scam is immaterial. The better question to ask is, \u201cIs Primerica right for you?\u201d\n\nThis review shows you what you need to know to answer that question honestly.\nPrimerica Sells a Dream.\nLike every Multi-level marketing organization, Primerica builds its sale force and finds new clients by selling a dream of financial independence.\n\nIn other words, they use emotion to hook people into their scheme.\n\nUnfortunately, for most people who join an MLM, their dream of financial independence often turns into a humiliating and expensive nightmare.\n\nPrimerica is no different.\n\nSelling the dream of financial independence stirs deep emotions. When our emotions are triggered, we cannot make a logical decision. It\u2019s like falling in love, we can\u2019t see the other person\u2019s faults.\n\nIt\u2019s the same with Primerica. If they can get you to fall in love with them by selling you a promise of financial independence, you won\u2019t see their obvious faults.\n\nRead Why Affiliate Marketing is Better Than MLM\nExploiting Your Emotions.\nIncidentally, the compensation plan is intentionally difficult to understand so your logical mind can\u2019t engage with it, forcing you to make critical decisions using only emotion when logic would serve you better.\n\nLikewise, the exciting meetings are designed to keep you in an emotional state.\n\nIn this article, I show you the hidden dangers waiting for you inside Primerica and the MLM industry.\n\nI only ask that you take off the rose-colored glasses you might be wearing, take a deep breath and determine for yourself if my words ring true.\nYour Odds with Primerica are Near Zero.\nWanting to be financially independent is an honorable dream, one I share with you. Thanks to the internet, it has never been easier to become financially independent. In a moment, I\u2019ll show you what I mean.\n\nFor now, please understand the odds of you becoming financially independent with Primerica or any other MLM is near zero.\n\nStatistics compiled by the Consumer Awareness Institute prove you have better odds of winning in Las Vegas than succeeding with MLM in any form. To learn more about the dark side of MLM, read The Heartbreak of MLM.\nClick to DISCOVER a Proven Path to Financial Independence!\nThe Average Payout.\nAccording to the Primerica website, Important Disclosures page, in 2017, the average payout to representatives was $6,030.\n\nConsidering that each representative also had expenses, it is safe to assume the average representative makes less than $6,000 a year.\n\nThat\u2019s a far cry from financial independence.\n\nIt\u2019s important to understand that average in this case means the total payout divided by the total number of licensed representatives. \n\nThat means a lot of licensed representatives did not make anything at all.\n\nBecause of how the MLM channels money to the top of the organization, I would estimate that the majority of the licensed representatives did not make money. Most probably lost money.\nNOT the Place.\nOutside of Primerica, in the financial planning industry where MLM is not the norm, the average financial planner makes $60,000 a year.\n\nIf you want to be a financial planner, Primerica is NOT the place to do it.\nFirst You Need License.\nBefore you can make a nickel with Primerica, you must be licensed to sell life insurance. Licensing requirements and fees vary from state to state and country to country.\n\nMost require several hours of structured training. To advance in Primerica, you will also need a license to sell mutual funds.\n\nIt can take months to complete the training and to get the proper licenses. It can cost a lot of money too. The point to remember is as a Primerica representative, you will be spending a lot of time and money long before you make a penny in return.\nYour Upline Steals Your Warm Market.\nWhen you first join Primerica, you will be asked to make a list of everyone you know and everyone in your family and extended family. Call this is your warm market.\n\nBecause these people know you and trust you, you have the best chance at selling to them. Except that you can\u2019t sell anybody anything because you don\u2019t have the licenses.\n\nYour Sponsor will ask you to introduce them to your warm market, so they can show you how to make sales.\n\nIf there is a sell to be made in your warm market, your sponsor will make the sell and earn the commission.\n\nAll you get is the experience and points.\n\nLater, when you\u2019re licensed, you either must steal the warm market of someone you recruited into the business or attempt to sell to strangers.\nPoaching Your Downline.\nIn other words, if you hope to succeed with Primerica, you must continually recruit large numbers of people and poach their warm market. An ugly truth, but it\u2019s not the ugliest truth. There\u2019s more to come.\nCan You Do This?\nThe turnover in MLM is huge. Those who succeed with Primerica are recruiting machines that build huge downlines.\n\nHere\u2019s what I feel is the ugliest truth about MLM: Less than 1% make a profit in MLM. Less than 1%! That means that 99% of the people who try MLM will lose money. (Source:\u00a0Consumer Awareness Institute)\n\nCan you look someone in the eye and convince them that they can find financial independence with Primerica knowing they don\u2019t stand a snowball\u2019s chance in Hell? \n\nCan you do that every day for as long as it takes to succeed? If you\u2019re not that kind of person, you\u2019re only wasting your time and money if you join Primerica.\nYou\u2019re NOT a Business Owner.\nAccording to the Primerica Important Disclosures page, as a Primerica representative you are not a business owner. You\u2019re an independent contractor building their business. They can cut you lose any time it suits them.\nMLM is an Outdated Business Model.\nMLM, Primerica\u2019s business model, evolved out of the 1940s. It\u2019s an outdated and highly inefficient method of delivering products.\n\nWhen compared to the internet where products go straight from the warehouse to the customer, MLM doesn\u2019t make sense.\n\nThe only reason MLMs are still around is because they are very profitable for the few people at the top of the organization.\nBackward Marketing.\nIn general, MLM, and specifically Primerica, promote a backward approach to marketing. This approach requires an enormous amount of energy and dedication. It is the least profitable sales strategy imaginable.\n\nIt requires you to convince family and friends to buy something they don\u2019t want, weren\u2019t looking for and probably don\u2019t need.\n\nBadgering your friends and family until they buy is a horrible marketing strategy. It\u2019s bad Karma. Very quickly your friends learn to hide from you.\nWhy So Many Quit.\nIt\u2019s difficult to keep trying to sell Primerica when you\u2019re just bothering people. At some point, most representatives can\u2019t do it anymore and quit. Often, they are left feeling humiliated.\nClick to DISCOVER a Proven Path to Financial Independence!\nProper Marketing.\nInstead of chasing after your friends trying to talk them into buying Primerica\u2019s insurance, why not learn how marketing is supposed to work?\n\nWhen you understand marketing, you have an excellent shot at achieving financial independence within 3 to 5 years.\nHow Marketing Should Work.\nUnlike what Primerica expects of you, selling is not about convincing someone that they need what you're selling. It\u2019s about finding people with a problem and then presenting them with a product that solves their problem.\n\nIt\u2019s so much easier and rewarding that way. Call it problem-solving marketing.\n\nFor example, how hard do you think it will be to sell sandwiches to hungry construction workers? Not hard at all. When you solve people\u2019s problems, they love to see you and to give you their money.\n\nIt\u2019s good Karma that enriches your life, both spiritually and financially.\nYour Financial Booster Rocket.\nImagine how lucrative it can be, if you combined simple problem-solving marketing with the global reach of the internet.\n\nThat\u2019s where the true opportunity is. Call it affiliate marketing.\n\nYou can automate the process, so sales are made 24\/7, even while you sleep. The income potential is unlimited. And, you can do it all from your laptop.\n\nWith intermediate affiliate marketing skills, your dream of financial independence is genuinely possible. And, you can get there within a few years.\nWhere to Learn.\nMy journey to success as an affiliate marketer began with the FREE starter level of the Online Entrepreneur Certification Course. That\u2019s where I recommend you start too. The Starter Course doesn\u2019t cost a dime. It\u2019s free. No credit card needed.\n\nWhen you sign up through the links on this page, I\u2019ll be available to mentor you at no cost. To learn about the Online Entrepreneur Certification Course, Go Here.\nHow Much Does It Cost?\nNot much. Compared to the cost of selling for Primerica, affiliate marketing doesn\u2019t cost much at all.\n\nAs I mentioned above, begin with the FREE Starter Course. It will teach you the basics. It will also introduce you to a community of marketers who are eager to help you.\n\nIt costs very little to create and manage a profitable affiliate marketing business. In the beginning, you can get everything you need for about $50 a month, plus the cost of a domain name (about $15 a year).\n\nLater, after you\u2019re making money, you might want to get some additional tools that can boost your productivity and bottom line but wait until your profits can pay for it.\nClick to DISCOVER a Proven Path to Financial Independence!\nAnyone Can Do This.\nAffiliate marketing is not difficult. Anyone who can write an email, goof off on social media or search online can build a six-figure affiliate marketing business, IF they get the proper training and IF they do the work. It does take work.\n\nHowever, working online isn\u2019t the same as working offline. It\u2019s more like a video game. Once you learn the rules, you keep leveling up, making more money.\nNo Comparison.\nCompared to affiliate marketing, Primerica looks like a corporate dinosaur. If you want to be a financial planner, avoid Primerica and go the traditional route. You\u2019ll make more money and enjoy the status of a professional.\n\nHowever, if your goal is to find a legitimate path to financial independence, I recommend affiliate marketing. It\u2019s the best way to earn more money and to enjoy more free time as well.\n\nThe place to start is the FREE Starter Level of the Online Entrepreneur Certification Course.\n\nRelated Articles:\n\nWhy Affiliate Marketing is Better than MLM\n\nThe Heartbreak of MLM\n\nHow to Evaluate an MLM Company\n\nIs MLM a Scam?\nIf you found this article helpful or have experience with Primerica , please leave a comment below.