Term insurance, a financial tool that provides coverage for temporary expenses. Insurance by Heroes addition to life insurance, Primerica offers a wide range of other products, including mutual funds, retirement services, annuities and mortgage solutions.

The company serves more than 151,000 independent life insurance licensed representatives across the country. They offer customers term life insurancei, investment services, mutual funds and annuities, managed accounts,auto and homeowners insurance,x, pre-paid legal services,xi, mortgage solutions,xi and identity theft protectionxii.

Overview of the Omaha Whole Life Policy

Primerica is a great choice for those looking for basic life insurance policies that are designed to meet the needs of middle-class families. But if you’re a consumer seeking more comprehensive policy options, more competitive pricing, or stronger underwriting criteria, there are other companies out there that may be a better fit for your unique needs.

While Primerica is a well-established provider that adheres to strict standards set by industry regulators, the company also receives high marks from credit rating agencies for its financial stability and ability to meet its obligations to policyholders. Its low volume of customer complaints compared to other insurers of its size is another plus.

Unfortunately, a major drawback to Primerica is its multilevel sales model, which prioritizes recruiting over expert guidance for consumers. This structure can make it difficult for shoppers to get straight answers from a knowledgeable broker who can help them find the best policy for their needs and budget. For this reason, NerdWallet recommends working with a top-rated independent broker who can provide competitive quotes from a variety of providers to help you find the right policy.