From both experiences that I've had with Primerica, I'm guessing this is similar to a multi-level marketing plan where agents try to get more agents under them. Both times we carried life insurance policies with Primerica, we were really impressed with the agents' professionalism and integrity. After a not so great experience with a different company, we were delighted to have honest agents working with us who would explain everything in great detail, comparing apples to apples. We started out with a life insurance policy with Primerica under one individual. After nearly a year of trying to connect with him, we were finally told that he had left the company and left the state. We were then connected with another individual who was equally as great as the first one based on first impressions. The result: same as before. He jumped ship and left us stranded without even completing all of our paperwork. This being said, I've had friends and family members who've had great experiences with Primerica. Perhaps is just this office that is having issues. I do respect the honesty and integrity that we've experienced with dealing with the agents in the initial stages. They tool plenty of time to explain the policies and answer all of our questions.