Primerica

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 279 historical complaints about Primerica, published between 1999 and 2014. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Dream Job and Easy Money Promises, Then Just Another NumberPublished Jan 22, 2014 · Historical consumer allegation
• Defends Company: Policies Excellent, Recruiting Varies by StatePublished Nov 28, 2013 · Historical consumer allegation
• Company Described as Pyramid Scam Active in the DC AreaPublished Oct 28, 2013 · Historical consumer allegation
• Services Offered Common Sense Education, Business Not for EveryonePublished Jun 26, 2013 · Historical consumer allegation
• Refused Name Change on Account Despite Notarized Court OrderPublished Mar 17, 2013 · Historical consumer allegation
• Court Ordered Name Change Rejected Repeatedly, Access to Funds RefusedPublished Mar 17, 2013 · Historical consumer allegation
• Insurance Sold Through AL Williams, Primerica Has No Record of AccountPublished Mar 11, 2013 · Historical consumer allegation
• Aggressive Recruitment, $200 Fee and $25 Monthly Charge Before WorkPublished Jan 11, 2013 · Historical consumer allegation
• Defends Company Against Complaints About the $99 FeePublished Sep 9, 2012 · Historical consumer allegation
• Policy Not Cancelled Despite Multiple Requests, Still BilledPublished Sep 6, 2012 · Historical consumer allegation
• Insurance Rep Collected Family Social Security Numbers and SignaturePublished Aug 6, 2012 · Historical consumer allegation
• Unable to Verify Whether Insurance Rep Works for PrimericaPublished Jul 9, 2012 · Historical consumer allegation
• Refund of Background Check Fee Short by $30Published Jun 26, 2012 · Historical consumer allegation
• IBA Refund Not Received After Cancelling MembershipPublished Feb 23, 2012 · Historical consumer allegation
• The Rep threw me out of his office for asking questions!Published Dec 18, 2011 · Historical consumer allegation
• Daughter Lured to Interview, Held Through Two-Hour Sales PresentationPublished Dec 18, 2011 · Historical consumer allegation
• Positive Experience With Income and Debt Education OpportunityPublished Nov 20, 2011 · Historical consumer allegation
• Refund of $75 Requested Because Felony Bars Working TherePublished Aug 1, 2011 · Historical consumer allegation
• Refund Requested of $75 Fees After Felony Prevents Working for CompanyPublished Aug 1, 2011 · Historical consumer allegation
• Positive Experience as Licensed Representative With Referred ClientsPublished Jul 30, 2011 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website: https://www.primerica.com/
• Life insurance client service: policy information, changes, cancellations (U.S.): 1-800-257-4725 3 complaints mention this number
• Life insurance client service (policy information, changes, cancellations): [email protected]
• Life insurance claims (U.S., NY, Puerto Rico, Guam): 1-888-893-9858
• Life insurance claims: [email protected]
• Independent Business Application (IBA) fee inquiries from sales-force members: [email protected]
• Questions about recruiting contacts by a Primerica representative: [email protected]
• Corporate / PFS Investments securities line (Duluth, GA): 770-381-1000 9 complaints mention this number
• Managed investments (Primerica Advisors client service): 833-786-0550
• Servicing of existing S.M.A.R.T. / H.O.M.E. loans: 1-800-283-7918 60 complaints mention this number
• Life insurance claims fax (Claims Department): (470) 564-7662
• Primerica Online (POL) fee inquiries: [email protected]
• Customer Service Center listed for eight named mutual fund families: 1-800-544-5445
• Mutual fund account information (shareholder site): https://shareholder.primerica.com/

Locations

Primerica: how to cancel a policy, make a claim, ask about fees or complain (checked October 14, 2026)

People searching this page are usually (a) policyholders with a premium, cancellation or claim question, (b) people who were approached to attend a meeting or join the sales force and want to know what they would pay, or (c) former representatives asking about fees or commissions. The routes below come from Primerica's own contact page opened on October 14, 2026; check that page for the current numbers.

• Cancel or change a life insurance policy (U.S.): the contact page lists 1-800-257-4725 for general policy information, policy changes and cancellations, with an email link ([email protected]). Include the 10-digit policy number on all correspondence, as the page asks; written mail goes to Primerica Life Insurance Company (or National Benefit Life in New York), 1 Primerica Parkway, Duluth, GA 30099.
• Life insurance claims: 1-888-893-9858 or [email protected]. The company's 'How to Start a Life Insurance Death Claim' page says to call (888) 893-9858 between 8 a.m. and 5 p.m. ET, Monday to Friday, to report a death, and then to submit the claim form with a certified death certificate, a copy of the beneficiaries' state or federal issued identification and any other requested documents, to Primerica Life Insurance Company, Attn: Claims Department, 1 Primerica Parkway, Duluth, GA 30099-0001 (fax (470) 564-7662). The claim form is linked from that page.
• Mutual funds and annuities: for American Century Investments, American Funds, Amundi US, Fidelity Advisor Funds, Franklin Templeton Investments, Invesco, Nuveen and Putnam Investments, the contact page lists 'Customer Service Center 1-800-544-5445' and says price, dividend and account information is available 24 hours a day through an automated telephone system or at shareholder.primerica.com. For all other mutual funds it says to contact the fund company's customer service center (the number is in the fund prospectus). For annuities it lists each carrier's own customer service number (for example Brighthouse Financial 888-243-1932 and Corebridge Financial 800-445-7862). In both cases it says that, if the fund or annuity company cannot help, you should contact your PFS Investments registered representative.
• Fees charged to sales-force members: the contact page says new members with questions about Independent Business Application (IBA) fees should refer to the Basic Agreement pages in their IBA, and lists [email protected] for IBA fee inquiries and [email protected] for Primerica Online (POL) fees. Keep your signed IBA and the receipts for any payment.
• Loans: the contact page lists 1-800-283-7918 (S.M.A.R.T. Loan / Primerica H.O.M.E. Loan Program) for servicing of an existing loan, and says written loan inquiries go to Primerica, Attn: Consumer Relations Department, 1 Primerica Parkway, Duluth, Georgia 30099-0001.
• Recruiting contacts you did not expect: the contact page lists [email protected] for questions about recruiting contacts by a Primerica representative.
• Free-look, refund and cancellation terms: the contact, FAQ and claims pages opened on October 14, 2026 do not state free-look or refund terms for a policy; those terms are in the policy contract and any state-required notice you received with it.
• Outside the company: life insurance complaints can go to your state department of insurance; securities-product complaints can go to FINRA (investor complaint center) or your state securities regulator; unwanted calls can be reported to the FTC. The CFPB accepts complaints about financial products, including mortgage and loan products.

Primerica's representatives are described by the company as independent; its FAQ says life-licensed representatives are agents of certain affiliated Primerica companies. If your complaint is about what a particular representative said or did, name the representative and the office in writing to the company as well as to the regulator.

Regulatory record of PFS Investments Inc., Primerica's broker-dealer (FINRA BrokerCheck, opened October 14, 2026)

The FINRA BrokerCheck report for PFS Investments Inc. (CRD 10111; the company's broker-dealer and registered investment adviser, doing advisory business as Primerica Advisors) shows 23 regulatory-event disclosures (as BrokerCheck counts them; see the note below on one duplicated entry), 2 arbitration disclosures and 2 bond disclosures. These are the firm's securities subsidiary, not the life insurance underwriter, and BrokerCheck reproduces each regulator's or the firm's description. The most recent ones, as the report states them:

• Arizona Corporation Commission, docket S-21404A-26-0232 (initiated June 8, 2026; resolved by consent July 14, 2026): cited A.R.S. section 44-1961(A)(12); sanctions: cease and desist and a $5,000 administrative penalty. The firm's statement says it consented to an order for failure to reasonably supervise registered representatives and paid $5,000 on July 16, 2026.
• FINRA, AWC no. 2020068652701 (August 14, 2025): without admitting or denying the findings, the firm consented to findings that it failed to maintain a system reasonably designed to supervise the application of sales-charge waivers and fee rebates through mutual-fund rights of reinstatement; the report states customers paid $710,738.55 in excess sales charges and fees. Sanctions: censure and restitution of $710,738.55 plus interest to affected customers.
• FINRA, AWC no. 2022074939304 (July 12, 2024): without admitting or denying the findings, the firm consented to findings that it failed to enforce its supervisory system regarding an outside business activity of three registered representatives; censured and fined $60,000. The BrokerCheck report records the payment twice: the firm's entry says '$60,000.00 fine paid by PFSI on 8/6/2024', while the regulator's entry says the fine was 'paid in full on August 7, 2024'.
• Maine Office of Securities (August 7, 2023): fine of $2,500. Puerto Rico OCIF (order dated March 20, 2023) assessed a $2,000 fine for allegedly not filing certain reports; the firm says the fine was waived after discussions, and BrokerCheck records notice of the waiver on January 16, 2024.
• Massachusetts Securities Division, R-2019-0095 (consent, November 26, 2019): allegation 'unregistered activity'; cease and desist, censure and a $75,000 fine, with undertakings to register employees and supervisors who meet the Massachusetts definition of an agent.

Older entries on the same report include a Nevada Securities Division consent order (resolved June 28, 2013; $9,000 fine and $40,000 reimbursement of the Division's costs; the order text refers to the firm not having a procedure requiring representatives to disclose compensation from outside motivational speakers at seminars that representatives must pay to attend), FINRA/NASD AWCs in 2004 ($450,000, late Form U4/U5 amendments), 2010 ($35,000), and 2012 ($100,000), and an SEC administrative order of July 28, 1998 ($175,000 and censure; the firm neither admitted nor denied findings that it failed reasonably to supervise four registered representatives). BrokerCheck lists additional state and NASD matters from 1988 to 2006. The report's 23 entries are BrokerCheck's own count: one 2010 FINRA matter (case 2008015413101, $35,000) appears twice, once as reported by the firm and once by the regulator, so the 23 entries are 22 distinct matters. The report marks the Arizona, FINRA, Maine, Puerto Rico and Massachusetts items above as final.

Self-regulatory inquiry (not a government action). On January 20, 2021, the Direct Selling Self-Regulatory Council (DSSRC) of BBB National Programs published a release on an inquiry into business-opportunity income and lifestyle claims made by Primerica, Inc. and its salesforce, which an advocacy group (NGO) had brought to DSSRC. The release says Primerica removed or significantly modified the claims in question, that it 'acted in good faith throughout the inquiry process', and that it 'agreed to continue its ongoing efforts to enhance its compliance policies and procedures'. It records the NGO's allegation of atypical and unsubstantiated income claims and Primerica's statement that its policies prohibit untruthful or misleading earnings or lifestyle claims. A search of bbbprograms.org for 'Primerica' on October 14, 2026 returned three results, of which this release and its case page (Case #31-2021) concern Primerica.

Court dockets. A CourtListener RECAP search for 'Primerica', newest filings first, run on October 14, 2026, listed on its first results page federal dockets with Primerica Life Insurance Company as a party, for example Primerica Life Insurance Company v. Laine (D. Kan., filed September 14, 2026; nature of suit 110 Insurance, cause 28:1332 Diversity-Interpleader Action) and Werner v. Primerica Life Insurance Company (D.S.C., 6:26-cv-04406, notice of removal filed October 2, 2026). The search page does not state the claims in the Werner case and this page does not infer them. No class action appeared on that first results page; this is a scoped observation of one results page, not a docket-by-docket review. Primerica's most recent quarterly report (10-Q for the period ended June 30, 2026, filed August 2026) says it does not believe any pending legal proceeding to which it or its subsidiaries is a party is required to be disclosed under that item.

The sources checked on October 14, 2026 did not include a separate CFPB, FTC or state attorney-general enforcement action against Primerica, Inc.; this is a scoped statement, not a finding that none exists. State insurance departments publish their own market-conduct actions against Primerica Life Insurance Company; those were not searched individually for this page.

Who Primerica is and how it sells

Primerica, Inc. is a Delaware corporation incorporated in October 2009 and listed on the New York Stock Exchange (NYSE: PRI), headquartered at 1 Primerica Parkway, Duluth, Georgia. Its Form 10-K for fiscal 2025 says its businesses were transferred to it by Citigroup on April 1, 2010, in a reorganization in which it completed an initial public offering in April 2010. Many older complaints in our archive describe the company as 'a member of Citigroup' or 'Primerica-Citigroup'; that reflects the period before the 2010 reorganization.

According to the 10-K, it operates in the U.S. through three principal entities: Primerica Financial Services, LLC (general agency and marketing company), Primerica Life Insurance Company (life underwriting company, domiciled in Tennessee, with a New York subsidiary, National Benefit Life Insurance Company) and PFS Investments Inc. (broker-dealer and registered investment adviser). It states that it had 151,524 life insurance-licensed independent sales representatives as of December 31, 2025, insured over 5.5 million lives and had approximately 3.1 million client investment accounts. Its later 10-Q for the period ended June 30, 2026 reports 148,612 life-licensed independent sales representatives at that date and says the number was lower than at December 31, 2025 'as the number of new life-licensed representatives did not keep pace with the level of agent non-renewal and termination activity'. These are the company's own figures.

Recruits and licensed representatives, as the company reports them. The 10-K defines 'new recruits' as individuals who submitted an independent business application 'together with payment of the nominal fee to commence their pre-licensing training'. For 2025 its table shows 358,316 new recruits and 48,722 newly life insurance-licensed independent sales representatives. The 10-Q shows, for the six months ended June 30, 2026, 166,563 new recruits and 21,589 new life-licensed independent sales representatives. The two figures count different things and are quoted side by side without a computed rate. The 10-K says it takes approximately three months to complete the applications and pre-licensing coursework and pass the examinations.

Commission advances and chargebacks. The 10-K says commissions are paid as advances and that 'If premium payments are not made by the client and the policy terminates, any outstanding advance commission is charged back to the independent sales representative', that the chargeback 'only occurs in the first year of a policy', and that representatives and 'representatives above them in their sales organizations are contractually obligated to repay us any commission advances that are ultimately not earned'. It also says the company holds back a portion of commissions as a reserve (deferred compensation account commissions) from which chargebacks may be recovered.

The 10-K says new independent sales representatives are recruited by existing representatives, that the company 'experience[s] a high rate of turnover among part-time independent sales representatives', and that representatives are independent contractors. It also lists monthly subscription fees from representatives for access to Primerica Online (POL) among its revenues. Products sold include term life insurance, mutual funds, annuities, managed investments, and referral programs for mortgages and auto/home insurance.

Complaint record: our archive, BBB and Trustpilot as displayed on October 14, 2026

usacomplaints.com archive. We link 279 published posts dated 1999 to 2014 whose offender field names Primerica or a variant (Primerica Financial Services, Primerica Life Insurance Company, PFS, and misspellings). They were written by individual visitors, are unverified, and reflect the periods in which they were submitted; many pre-date the 2010 Citigroup reorganization. By a simple keyword match across the linked posts (a post can match more than one group): 203 mention recruiting, an interview, a resume, a seminar, pyramid or MLM, or a $99/$199 fee; 86 mention a policy, premium, cancellation or bank draft; 39 mention a refund or getting money back; 35 mention commissions or not being paid; and 46 contain wording defending or praising the company. The archive also contains separate posts, not linked here, in which the writers received a lottery-prize letter and cheque that names Primerica Life Insurance Company; the writers describe it as a mailing they did not expect from the company, and the page does not treat those as complaints about Primerica's own conduct.

BBB. BBB profile for Primerica, Inc., 1 Primerica Pkwy, Duluth, GA (headquarters and corporate-owned locations), as displayed on 2026-10-14: BBB Accredited, rating A+; '240 total complaints in the last 3 years' and '67 complaints filed in the last 12 months'; customer reviews '2.69/5 stars, Average of 140 Customer Reviews'. The BBB letter rating and the review average are different measures and are shown as displayed. Per the page's raw data, BBB Accredited since 1980-01-01, business started 1977-02-01, incorporated 2010-04-01. The most recent complaint and review dates on the page were in late September 2026.

Trustpilot. Trustpilot page for www.primerica.com as displayed on 2026-10-14: 67 reviews, score 2.5, profile claimed September 2021. Trustpilot states it does not fact-check reviews.

CFPB. A lookup of the CFPB consumer complaint database on 2026-10-14 returned no company name matching 'Primerica'; this does not mean consumers cannot complain to the CFPB about Primerica mortgage or loan products.

Is Primerica Legitimate?

Primerica, Inc. is an SEC registrant filing annual and quarterly reports (CIK 1475922), its life insurers are named on the company's site, and its broker-dealer PFS Investments Inc. appears on FINRA BrokerCheck under CRD 10111. The company's own site says its life insurers are rated A+ (Superior) by AM Best as of February 26, 2026. Its 10-K for fiscal 2025 states that, as of the report date, it did not believe any pending legal proceeding was required to be disclosed under Item 3, and describes disputes and regulatory inquiries as arising in the normal course of business.

The record above also shows the other side: FINRA, state securities regulators and the SEC have entered consent orders against PFS Investments Inc. (details in the regulatory section), and individual consumers and former representatives have posted detailed complaints about recruiting practices, fees and policy handling. Whether a particular representative's presentation, a fee or a policy suited you is a matter for your own documents; the recruitment and compensation model is described in the company's SEC filings.

Company Relationships

• Affiliated with: Primerica Life Insurance Company
• Affiliated with: PFS Investments Inc.
• Affiliated with: Primerica Financial Services, LLC
• Affiliated with: National Benefit Life Insurance Company
• Affiliated with: Citigroup Inc.

Frequently Asked Questions