term4me writes,is your response to someone else's comment about the Primerica/insurance industry association and you merely brought up some supposedly heinous thing that our company had done to "gouge" the consumer. I don't think "gouging" the consumer is limited to Primerica. A consumer can fall victim to this in the purchase of any financial product. The only real protection is to limit what you pay in fees and commissions to the absolute minimum. The less profit there is in selling you something inappropriate, the less incentive there is for a salesman to make the effort to sell it to you.I don't know if Primerica has the lowest rates for term life insurance, but I'm fairly certain the expense ratios on Primerica's mutual funds are far higher than Vanguard's. While I think "buy term and invest the difference" is generally sound advice, there's at least some chance that Primerica isn't the most cost effective place for a consumer to execute this strategy.Hell, I'd even buy a term policy from MikeMatheson if he offered me the best price. <grin>intercst
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