Here's how to spot a pyramid scheme

Primerica is borderline illegal and definitely shady (IMHO). Insurance and financial products do not require an MLM structure to sell… People need them whether it’s MLM or not. Making it MLM basically shifts responsibility to the reps rather than corporate, while keeping the profit margin. What should have been corporate responsibility such as training and certification were all shifted to the reps. “Training” becomes paying monthly $$$ to access a company wiki termed “resources”.

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