Reason 6: Primerica doesn’t offer Disability Insurance (DI). The odds of an adult American becoming disabled before retirement are 1 in 5. The average length of long term disablilty is 2 years. That means that the odds of utilizing a DI policy are far greater than utilizing a term LI policy. Even Suze Orman and Dave Ramsey highly recommend DI. Yet, Primerica doesn’t offer it, when much of its competition does.

Reason 5: Primericans have no clue about the macro-level applications of WL insurance. Banks, Corporations, the upper middle class, and the wealthy buy billions of dollars worth of Wl every year for good reason. Primerica’s parent company, Citigroup, bought billions of dollars worth of WL for its employees. In other words, Citigroup gets the best of both worlds, it has Primerica selling Term LI, while citigroup itself buys WL.