Con America Pyramid Con - Rewritten 92316

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Is primerica an honest outfit?
primerica be safely trusted?
truth??
Is primerica reputable?
Can
Is ripoffreport.com telling you the
Is primerica a "proven, trusted company", as claimed by
ripoffreport?
Does primerica have REFERENCES to PROVE that it
is an honest, real corporation, partnership or proprietorship?

primerica a behemoth scam?
Is primerica a con?
another pyramid destroyer of lives?
Is
Is primerica
Is primerica PROVEN to be
not a shark boiler room, surreptitious pyramid shark?
WHY do
liars CONSTANTLY post praising con America, SOMETIMES EVEN

BEFORE THE BLOG, CHAT, CONSUMER HELP AGENCY, ET
CETERA^,
EXPOSE` OF THE MONTEBANK IS EVEN POSTED?!?!
WHAT are they afraid of?
Examine CON America!
AMERICA SCAM PEOPLE?
DOES con
READ AND STUDY ALL ALL ALL of
the material that follows.
PLEASE TELL YOUR LOVED ONES,
FRIENDS, ACQUAINTANCES, PEOPLE YOU MEET TO DO THE SAME:

- Rocky
NOTICE!!!!
THIS SITE IS BEING HACKED!!!
MALWARE FILTER ON!!!
I DO NOT KNOW HOW MUCH LONGER
THIS FACTUAL BLOG WILL BE LEGIBLE!

FILTER ON!
HAVE YOUR
HAVE YOUR MALWARE
There is no "guaranteed protection from viri.
do not know what viri are coming in the future;

minute, for that matter.
We
in the next
I've used desktops and laptops
previously that had no virus protection, but I did not get a virus.
However, I am still of the opinion that anti-virus protection is
necessary, even essential.
Many have had their computer
knocked down because of a virus.
PIRATE VS. AMERICA RVPS,
SVPS AND MALICIOUS APPOINTED REPS SEARCH THE INTERNET

FOR EXPOSES OF CON AMERICA.
THEY ARE FIGHTING A WAR
THEY ARE DESPERATE TO DECEIVE THE PUBLIC IN ORDER TO

DECEIVE AND NEWLY CONNED IN TO THE CON AMERICA PYRAMID
RECRUITS!
THEY SPEND THEIR TIME ATTEMPTING TO FALSIFY
AND DUPE WHEN SEARCHING FOR FACTUAL REPORTS

REGARDING CON AMERICA.
death".
YOU WILL GET "the blue curse of
We have furthermore noticed that some sites have
been hacked as the webpage will not scroll!

will not move for you.
Some "wave" and
This is done by the unscrupulous so that
you will not know this boiler room pirate abomination.
They
have to suck you in so that you will recruit and make money for
your evil "up line".
EVILl!
Any one who would COOK UP this fraud is
- Rocky
CON AMERICA A.L. WILLIAMS IS FRAUDULENT PYRAMIDING.
IS VERY, VERY, EVIL.
IT
PIRATE VS. AMERICA WILL FLEECE YOU.
NEXTAXPRO.WORDPRESS.COM
Good day to all of you. This is a lengthy expose and it will grow.
Hence, a Table of Contents is laid out in general. It is broad for the
most part, but this will help as, usually one will need many days to
read, absorb, make notes, bookmark, study more. Please do tell
your loved ones, friends, associates, acquaintances and all whom
you meet about this website. Probably you and people you know
and people you have met and will meet have been approached by
this con man scheme and abominable fraud.
So please spread the
word.
FIRST:
A WORD ABOUT WHAT INSURANCE IS.
SECOND:
MY EXPERIENCE WITH A.L. WILLIAMS, NOW CON
AMERICA AND THE INEVITABLE RUDE AWAKENING

THIRD:
WHAT OTHERS REPORT.
I HAVE INSERTED WHEN
THERE ARE ERRORS AND HELPFUL TIPS FROM MY

EXPERIENCES AND, WHAT I HAVE LEARNED OVER THE
YEARS.
FOURTH:
VERY IMPORTANT ~ MORE EXPOSES OF CRIME
VS. AMERICA
FIFTH:
LATEST PYRAMID SCHEMES
SIXTH:
LAWSUITS VS. CITIGROUP - CON AMERICA
SEVENTH:
BOTTOM:
INVESTIGATIONS OF CON AMERICA

DYING WORDS OF INFIDELS
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FIRST IN THE TABLE OF CONTENTS:
INSURANCE IS.
A WORD ABOUT WHAT
Rocky's definition of insurance:
merchandising of air in exchange for money.
the
No insurance
representative will admit to this, but THAT is what INSURANCE is.

All of us at majority age have had rough experiences with
insurance:
what is really covered, premiums too high;
no real
coverage { auto insurance and rent-a-car auto insurance are great

examples of that;
deductibles { nice word for not paying you
what the advertisers of this fraud promise, that is, THEY ARE NOT
TELLING YOU THAT THEY ARE STEALING FROM YOU!!!!! And, in
death insurance, it is WORSE.
The majority of life {death }
insurance companies still sell what is known as whole life,

permanent life, guaranteed life, straight life, and two or 3
amusing, felicitous other names to mean the same thing or worse:

good examples being universal life and mutual life.
You do not
need death insurance!
Your goal in life is to become better and
better off financially.
In a financially adverse time, you fall back
on ASSETS, not death insurance!

very difficult to accept.
For some of you, this will be
But, as you grow older, you're going to
realize more and more that all things built and conceived by
mankind are a fraud.
Nothing is worth it.
Only THE LORD can
give you PROMISES AND BLESSINGS and BARGAINS for that

matter that are real.
In this inflationary era, death insurance
premiums have been declining and face values of policies have

been increasing, oversimplified.
enough, but that's another story.
They have not decreased

What this means is that death
insurance premiums were way too high and coverages and face
values were not good enough.
Death insurance used to be fair.
chip in.
Families would get together and
If the insured did NOT die, then she/he got her/his money
refunded.
That's the way it should be now.
So you are now able
to see that insurance is RIP OFF in at least a few ways.
It is IN
MANY WAYS, which you will see with con America as a very, very
good example.
SECOND IN TABLE OF CONTENTS:
MY EXPERIENCE WITH
A.L.WILLIAMS AND KNOWLEDGE OF IT AND CRIME VS. AMERICA:

I now have a small business.
doing if you have a business.
You had better know what you are

You have to work very hard,
determined and long, long hours.

get better as the years roll by.
Now I realize it.
I have been no exception. You
I did not believe this at the first.
I know a fraud when I see one. I get
uncomfortable. You who fall for these boiler room schemes that
only make money for those who conceive the fraud make money.
They make money off of the backs of those who hope to

accomplish the American dream.
YOU ARE MERELY A
CUSTOMER WITH CON AMERICA.
YOU DON'T HAVE THE
FREEDOM TO OPERATE YOUR OWN BUSINESS EVEN THOUGH

THEY TELL YOU THAT YOU DO.
YOU DO NOT, REPEAT NOT HAVE
YOUR OWN BUSINESS WITH CRIME TO AMERICA.
THE SAME
THING WITH THE "SEMINARS" AND "RAH RAH TALKS" WITH A.L.
WILLIAMS.
You have strict and severe limitations and you do
NOT have freedom to operate the way you want or the way you
need to with con America.
business.
Therefore, you do NOT have your own
YOU are a CUSTOMER!
CON AMERICA rips you off in
many, many ways and you will see how.

You had better realize that you are not going to make money
unless you work hard.
You especially WILL NOT NOT NOT make
money if you are enrolled in a pyramid scheme, as a.l.. williams,

now primerica { con America };
market America, al pine, For
You, herbalife, wamway, mary kay, Bernie madoff and a number of

them are .
little effort.
You are told you will make tons of money will very
You are NOT screened to see if you are able to sell
life insurance and securities.
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rimerica-a-l-williams-is-fraudulentpyramiding-it-is-very-very-evil-att-nowabominable
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I have had several friends since who got mixed up with this "multilevel marketing" sewage.
work.
It never does.
Sadly, they think the next venture will
"multi-level marketing" is a LIE!!!
It is
either a chain letter or a ponzi scheme or out and out pyramiding.

It is "recruit, recruit, recruit".
That is NOT a business.
When I
hire people for my income tax business, I DON'T HIRE WORKERS

TO GET OTHER WORKERS.
I have a business.
I try to earn a
living for my family.
NEXTAXPRO.WORDPRESS.CO
M
Before we expose pyramiding { which con America is, and can
only be }, I will show you sodomy in action; what sodomites really
think about and what they do. This is NOT what the press, pbs, npr,
radical nbc section news, abc, nbc, msnbc, cbs, time, life, newsweek,
washington compost, npr, pbs, ny slimes and the hrc want you to
see.
http://www.jesus-is-savior.com/Evils%20in
%20America/Sodomy/homosexual_propaganda.pdf
"I believe that a long step toward public morality will have been
taken when sins are called by their right names." - Billy Sunday
HOW PROPHETIC with clapped up, urine drinking, child molesting
sodomites being called "gay".
Wrath of God Syndrome watered
down by the sodomite press and sorcerer shaman shrinks to "aids"
or "hiv". Sickening sin sick sex perverts being called "bi",
"transgender", "cross dressers".
Dykes called "lesbians".
Your
sex is labeled your "gender". "homophobe, homophobia".
Blasphemy of the LORD'S HOLY INSTITUTION OF MARRIAGE called
"gay marriage". Gender instead of sex of a person. Study the
Merriam-Webster dictionary!
I'm not a "homophobe", which is not
a word. I am not afraid of man! "native Americans".
"intolerant". No!! YOU liberals are intolerant. YOU cannot handle
one word of truth. The fear of man bringeth a snare, but whoso
putteth his trust in the LORD shall be safe. -Proverbs 29:25.
SODOMITE MOCKERY OF THE LORD'S HOLY INSTITUTION OF
MARRIAGE! https://nextaxpro.wordpress.com/category/if-a-manlieth-with-a-man-as-he-lieth-with-a-woman-both-of-them-hathcommitted-an-abomination-they-shall-surely-beput-to-deat/
And, you guessed it, a nefarious, surreptitious, scurrilous,
reprehensible, abominable, ugly, heinous, leeching pyramid boiler
room scheme being called "multi-level marketing". It is NOT
marketing!!!!!! It is a shyster, con man, fraud, skimming, blood
leeching, lowdown, varmit robbing YOU or YOUR hard earned money
and credit. consult the Rock
www.chick.com
Type in "homosexuality" or "sodomy"
www.jesus-is-savior.com
Type in "homosexuality" or
"sodomites"
www.repentamerica.com
http://www.officialstreetpreachers.com
blocked!!!
by the
abominable sodomite un-American library association of and for

evil!
www.jesus-is-lord.com
www.godhatesfags.com
www.worldnetdaily.com
www.frc.org
www.samgipp.com
www.chick.com
www.freerepublic.com
www.traditionalvalues.org
http://www.jesus-is-savior.com/Evils%20in
%20America/Sodomy/homoviolence.htm
http://www.av1611.org/kjv/fight.html#fight3
http://wordpress.com/post/nextaxpro.wordpress.com/1140
OK. NOW WE WILL MOVE TO FRAUDS:
LET'S MAKE IT SIMPLE
for those who do not read have time to read all of this expose for
the present.
LIARS CONCEIVE FROM THE HEART:
MARK 7, ISAIAH 59.
LIKE
THE GUYS IN A homeless shelter, THEY ALWAYS CONTINUALLY

CONCEIVE MISCHIEF.
DRY.
THEY CARVE YOU UP.
THEY SUCK YOU
LIKE the guys who got together and claimed that innocent
people trying to get out of their depressing environment were

stealing from them!!
There was nothing to it.
Those who had
their vehicles unlocked had nothing stolen from them.
The whole
sham was LIES, LIES, LIES and created a waste of time for the
administrators.
"Would you work in the following poppycock?
You go to work in
an office after being told: "You really fit this position.
And it will
be easy work, you will have lots of time with your family and you
will make a tremendous amount of money".
I was one of
hundreds of thousands of victims; worse than 10 million by now.

I was young then.
It is as the charismatic who blames YOU
when you do not get healed.

tells you that, obviously.
He is a total fraud, but he never
Just as the attorney who blames YOU
when HE, the crooked lawyer { over 99.8% of them!! }, sells you
radically down the river!
You had better know what you are doing
before you get in to this business, and a whole lot of other

duplicitous serpents are out there.
It is WORSE NOW with the
easy communication on social media.

and State income taxes for 22 years.
well to do better than I have.
than I was when I began.
I have been doing Federal

You had better be pretty
I am a lot better at my business
Thought that I was pretty smart.
However, no matter how smart you may think you are, YOU will
IMPROVE AND BECOME MORE KNOWLEDGEABLE as time goes on.
When con America and others come along and tell you that you
will make an ocean liner's size of money, you had better do your
research and CHECK with those whom have been in the business
in times past.
TO CON AMERICA, MARKET AMERICA,
HERBALIFE, FOR U, AL PINE, mary kay, WAMWAY and a lot of

others, you are a CUSTOMER.
told that you must pay.
YOU do not get trained.
You are
When you go to work for Farmers and
very nearly ALL of the insurance companies, mutual fund
companies, stock fund companies, or any entity {IRS Form 8832 },

you are trained and taken care of FOR NO FEE(S).
carefully selected.
You are
You CANNOT just go in to business and make
millions, as con America promises you.
THAT PYRAMID PATCH
OF BLUE SKY OUTFIT PRESSURES YOU to buy a policy.
WHAT?!!!!
What about good treatment as I am a representative of con

America, market con America, wamway, herbalife and so on?
NO NO NO!!
YOU are a CUSTOMER, and as a CUSTOMER, you are
to be sucked dry in case you do not get LEADS for your upline and
the double crossing reprobate who runs the CON.
You are NOT an independent contractor!
YOU DO NOT OWN a
business with con America:

https://find.irs.gov/search?utf8=%3F&affiliate=irsfp&query=INDEPENDENT+CONTRACTOR&commit=Search con
con America hate drivens:
I do not recommend you attempting
to knock down the IRS website.

receive more than an audit.
You will be caught and you
- Rocky
I did NOT receive a Form 1099- MISC, nor Form 1099-S, nor Form
1099-K, nor Form 1098, 5498, Form 1099- PATR, nor Form 1220
from a.l.williams nor from any client.
https://www.irs.gov/businesses/small-businesses-selfemployed/am-i-required-to-file-a-form-1099-or-other-informationreturn?_ga=1.137366514.338220267.1472492985
I had to fill in Line 22 { it was Line 22 for that particular Federal
income tax year } to report my income.
If you FAILED TO FILL IN
your income from con America or from any client { provided you
made any sales that were not charged back or any sales at all!! },
YOU will be AUDITED by the IRS and YOU will have to pay interest
and penalty on all of your sales!
in this regard!
con America WILL NOT help you
crime against America WILL NOT mail you any
form PROVING that you had a CHARGEBACK and can hence ADD
the CHARGEBACK to your income!
business with con America!
YOU do NOT have your own
YOU are not even an employee from
one standpoint.
fleecing plot.
You are in the crosshairs of a confidence, bunko,

This is TRUE with the rvps and srvps as well,
EVEN THOUGH THEY HAVE TO RENT OFFICE SPACE AND HAVE TO

PAY THE RENT OR LEASES OUT OF THEIR OWN POCKET!
As if
this were not surreptitious enough, con America does NOT even
mail you a W-2, even though you are an employee!!!!
con America
hides and swindles and is even attempting to deceive the IRS!!!!

Had I not reported my sales to the IRS, I would have been
AUDITED AND lost, then assessed interest AND penalty
{ penalties, depending upon how long it took the IRS to catch. }
When I kept the books for a client prior to the couple selling their
business, they were accused by the IRS of not placing their
deposits for Federal income tax and FICA tax in to the bank on
time.
I negotiated with the IRS and they agreed to waive penalty,
but NOT the interest.

clients.
I have my own business.
The couple were
Had I not reported my income to the IRS, I would NOT
have been able to get out of penalty.
https://www.irs.gov/pub/irs-
pdf/i1099msc.pdf
YOU ARE NOT AN INDEPENDENT CONTRACTOR WITH THE BOILER
ROOM SCURRILOUS CRIME AGAINST AMERICA!
OWN YOUR OWN BUSINESS!
YOU DO NOT
YOU ARE A CUSTOMER, AND YOU
WILL BE TAKEN, AS THESE UNSCRUPULOUS PEOPLE SEEK TO

SWIPE FROM ALL THE CUSTOMERS AND POTENTIAL CUSTOMERS
THAT THEY CAN!! CON AMERICA has proven to be a pyramid,
thoroughly fleecing, cheating, dishonest, through and through,
swindling, bamboozle, defrauding, hoodwinking, chiseling,
beguiling, gouging, hustling, bunko artist, skinning, suck you dry,
rook you racket.
corporation.
You cannot label con America an honest
con America is a racket bunko game.
- consult
the Rock }
Firstly, you are told you will NOT be paid until you obtain a
license.
You ATTEMPT to REASON with your rvp that: "nothing
was said that you have to have a license to work here.

already have my communist insecurity number".
And, you
Well, you were
FINALLY told AFTER the sleazy one got you all excited about
making 50000, 200,000 or even more {less than .0025 do. THAT'S
ONE QUARTER OF ONE PER CENT, incidentally }.
Since you are
not even an employee { con America never sent me a W-2 }, WHY

do I have to pay fees BEFORE I receive a paycheck, and
frequently, no pay or commissions at all?!
Does that seem fair to
you?
Secondly, you must "recruit" other workers so you can be paid.
"What? What if I get five; they all get five; they get five?
Where will all these workers fit??
There's very limited space."
You only hear: you must RECRUIT, RECRUIT, RECRUIT.
If 5
recruit 5, and they recruit 5, after ONLY THIRTEEN LEVELS of

"recruit, recruit, recruit",
recruiting!
you have 6,103,515,625 souls
That's over 6 BILLION!
ENTIRE WORLD POPULACE!!!!!

lot like wamway.
THAT'S MORE THAN THE
After ONLY 13 levels!!
Sounds a
wamway tells you that if you get 6 - that means
following only ELEVEN levels of recruitment, you have more than

the entire world populace!
Thirdly, AFTER you pay out of your own pocket for this license,
you cannot earn money yet!
fair!
"Why am I not allowed?!
That's not
You, con America, said I can collect commissions and
recruit after I pay for this license, pay for the preparation, pay the
fee and pay all of my expenses to get it.
You wind up stating:
"I'm having to go to the homeless shelter because I cannot meet

my house payments" or "I cannot pay my rent".
America rvps and srvps do not care.
Crime against
You hear a bunch of lies.
This is to cover up the fact that you are not allowed commissions
for a while.
You see, your superiors {superiors? NO ONE whom
is dishonest is superior to I. NO ONE .} this " up line" knows

that you are going to hear the truth about con America. You will
become very discouraged, very, very quickly. So your "superiors"
have to hold something back to insure you remain in the trap that
they have placed you in.

Fourthly, you are told {or frequently NOT told and all the
implications of that!} that YOU MUST HAVE $25 to $45 STOLEN
FROM YOUR BANK ACCOUNT EVERY SINGLE MONTH!!!!!
WHY??!
This is such a great opportunity and you are in a "500 billion

dollar company", depending upon how large of a lie your so-called
superior told to you.
Citigroup is down to 120B:
http://www.theirnetworth.com/Businesses/Citigroup
http://dealbook.nytimes.com/2011/12/13/citigroup-to-sellremaining-primerica-stake/?_r=0
If I could afford to give any
company $270 BEFORE I even commenced employment, I would

not be looking for a job.
You haven't seen a check for well over a
month now, but you have to allow conAmerica to STEAL that's

precisely what it is from you.
And your "regional vice
presidents" {rvps} do not tell you that fact up front. This means
that you will be clubbed from $25.00 to Lord knows how much,
depending upon how many checks you wrote that bounced as a
result, how dishonest your bank is and the fee your bank charges
per returned check presented.
And, many have been reporting
that conAmerica STEALS STEALS STEALS from your bank or credit

union and you have to CANCEL your card and get a new 16 digit
account number!
There are testimonials about pirate America
STEALING from new victims!!!
And now, you are strongly
PRESSURED to buy the "right" to get on their website at the cost

of $25-45/month!!!!
No matter how well I do, I will never ask
money to access my website. You can bet your soul on that.

PIRATE AMERICA IS AGAINST FREE INTERNET!!!
Must be all
devil rats {democrats }.

Fifthly, you are NOT vested in any profit sharing plan after 6
months to 18 months of employment in this supposed "500 billion
dollar corporation".
Now Citigroup is down to 120B as of 2015:
This angers me even today. All
those hours; hard work and research and NOTHING comes from
A.L. Williams, now con America.
No profit sharing; no
retirement; no pension - nyet, nada, ziltch!
Citigroup had been
trying to dump con America for a decade or longer.
They finally
got rid of this garbage dump in April, 2011, or a few months later,
depending upon how long the evil lawyers and evil bankers held up
proceedings in order to drag more money out of the parties.
Did
you know that it costs over ONE MILLION DOLLARS to register a

stock on the nyse?
http://www.businessinsider.com/citigroup-
primerica-ipo-2010-4
Citigroup was FINALLY able to divest itself entirely of con
America in 2011.
It did not happen in only one transaction.
This
was the last one:

Sixthly, you are provided with NO death insurance, no medical
insurance and no retirement nest egg, even after two or three
months of employment, not even one with a large deductible.
You
are told that you MUST buy an insurance policy with this "500
billion dollar company"!!
{ now down to 120B and DECLINING! -
Posted on September 12, 2008 by Nextaxpro

2008.
UPDATED since
You
must buy this policy as an EXAMPLE to all of your prospects, even

though you supposedly have this secure job in an office where you
are supposed to be making this huge salary and not have to waste
$80-$140 in gasoline per week trying to sway prospects and lying
to potential recruits to get this down-line!!
You do the "hiring"
for your superiors and they don't have to go to the expense of

finding good help.
But even though it's their fault, YOU still get
the blame if your down-line doesn't sell.

it's not even the cheapest of policies!!
And, in addition to that,

Matter of fact, when you
compare to other companies, you find that you are paying one of
the highest rates in some of the plans!!
And you are forbidden
from doing business with any other company!

receive no discounts!!!
DOLLAR company"!
Further, you
You pay retail in this "500 billion
ANOTHER DECEIT by pirate America.
primerica is not and was not a "500 billion dollar corporation".

Citigroup was { at one time; now less than 120 billion because
this url is dated 2015 }.
This "multi-billion dollar corporation" should be insuring you and
your family in gratitude for your putting in 100, 110, 120
hours/week worth of work attempting to get more "recruits" for
the company!!
Worse, you may already have a whole life policy
that you are trapped in.
It does not matter.
You are told you
MUST buy a policy with Primerica to make a good impression on

all those customers you are supposedly going to convince to come
on the con America merry-go-round.
No lead sheets from a
professional marketing firm nor anything a quarter of the way

convincing is presented proving that you will have good possibility
leads.
Seventh, you can be demoted by your superior for any reason,
including no reason.
also.
Your commission levels would be reduced,
How's THAT since you are an "independent contractor"?!
You are WORKING for crime against America even though your
rvp doesn't give you a W-2!!
Eighth, when you become sick and tired of being treated unfairly,
you have NO RECOURSE!
It's in your contract that you are
FORCED to sign and you cannot sell immediately!

to the Department of Labor for redress!
You cannot go
IT IS IS IS IS IS A
PYRAMID, NOT a real corporation, C corporation, S corporation,

sole proprietorship, partnership, LLC, co-operative or tax deferred
entity!
Ninth, the commissions you make in this "office" can be taken
away from you!!
If your purchasers find that your prices are too
high, they change their mind, your company decides not to sell to
a "sold" customer, a death in the family and a different CEO takes

over any of these things can cause you to have to take a
"chargeback" which means you have to give your commission
and overrides back!!
You are walking, then gaiting, then
RUNNING, faster and faster just to fall farther and farther behind.
You are TRIPLY whammed!
In a real company { not this boiler
room pyramid }, you get paid and your company refunds the money
to unhappy customers.
At this company - if you dignify it with
that name - you not only do not get paid, and, when you make a
commission, YOU and NOT your company, have to refund to a
customer when the customer does not pay, et cetera^.
YOU did
NOT receive your entitled commission when you were paid

because you were skimmed to pay an up-line, just like herbalife
and all the others:
https://www.google.com/#safe=active&q=pyramid+schemes+now
But when you have to take a chargeback, YOU pay the entire
chargeback!!
A triple blow!!!
I once knew an owner who had a
franchise.
The fee was 4% of his gross receipts.
America!
The apologists LIE when they say conAmerica is a
franchise.
That cannot be.
Top that, con
In a franchise - not a 7-11 ripoff -
when you or the corporation terminate the franchise, there a fair

evaluation of the good will and increase of the business done by
you and you are reimbursed for your efforts, research and rapport
with the public.
Does that happen with conAmerica?
When I
was with a.l. williams, I received NO SUCH COMPENSATION and

had my license taken from me, EVEN THOUGH THE LICENSE CAME
FROM THE SCC, NOT from con America!
Tenth, you begin hearing - and finally FACING!! - that the prices
of crime vs. America product lines are too high;
other term insurance marketing corporations!
higher than
You squirmed to
not believe it because you were told that primerica was the best
and had the lowest policies and rates.
work for this "glorious company".
That's why you came to
But then, you felt like you
were listening to the kennedys or bill or hitlery.

America's stories sounded fishy.
Pirate con
You AGONIZED: telling yourself
that this new revelation somehow cannot be real.

face the FACT that you've been DUPED.
You REFUSE to
You begin doing your
research in independent journals, trade journals, online, and so on

and you find that ALL of your products are over-priced.
Your
company cannot compete. Not only that, you discover that your
product line does not have the variety that your competitors have.
Further, your line has some terrible products.
TO WORK FOR A COMPANY LIKE THIS?
WOULD YOU GO
READ ON. THIS IS THE
WAY IT WAS AT a.l.williams, AND IS EVEN MORE SO today at con

AMERICA!
Eleventh, YOU CANNOT DEDUCT your expenses because you are
an EMPLOYEE, NO MATTER WHAT THE CON ARTISTS TELL YOU!!
YOU are NOT an independent contractor!!
their shark cheating, teeth!
CONTRACTOR!
are so!
YOU are a customer of
YOU ARE NOT AN INDEPENDENT
The con America deceivers will tell you:
"you
Any attorney, subcontractor, outsourced, coach, player
can be fired."
Then, why no 1099-MISC??
You will not be given
one, nor will the persons you sold policies and/or securities to will
send one to the IRS, much, much less send to you a copy.
NO 1099-MISC?
WHY
Thus it follows that YOU CANNOT DEDUCT ANY
OF YOUR EXPENSES ON A SCHEDULE C.

will accuse you of FRAUD.
Sooner or late, the IRS
Furthermore, when the IRS accuses
YOU of FRAUD, the IRS can go back AS MANY YEARS AS THEY

WISH!!
"But the IRS says 'there was a fire in the office
warehouse in 1980'.
returns { and State:
I don't have my 1980 Federal income tax

applicable in 44 States } any longer.
said I only had to keep for 3 years".

problem, not ours".
they please.
IRS will say "that's your
And, believe me, the IRS can do what ever
I had to report my sales on Line 20 in that
particular income tax year.

tell me.
My cpa
The a.l. williams fraudsters did not
Nor did they ever send me a W-2.
And, believe me, they
surely did not send me a 1099-MISC, 1099-Q, or any Form at all!!!

Twelfth, what about profit sharing or some retirement plan???
ANY retirement plan! Last I've heard from reliable sources, they
have an annuity that pays a horribly low percentage of interest
and crime vs. America GENERALLY BREAKS THEIR PROMISES TO

PAY!!!
Thirteenth, it is a confidence man's HOAX.
You are NOT paid
based on your education, perception, talent, innovation or even

very hard work.
I know a lady who is a dentist.
$400,000 annually.
of 300,000 per year.
She makes
There are many engineers who make upwards

The lady specialist surgeon who surgically
repaired mine eyes probably makes over one million now.

not supposed to be seeing any better than 20/200.
20/30.
Am
Am seeing
I know a stockbroker who makes between 200,000 to
350,000 in commissions every year.
And these ALL earn their
pay, stipends and commissions, where applicable.

men don't earn their money ~ face it.
convicted, get the death penalty.
Confidence
They are supposed to, if
They do in mainland China!
If
you go with crime against America, YOU YOU YOU will learn this
hard lesson.
It is an evil, evil, fraud infested world out there.
It
is THE VILEST INSULT to base the amount of funds that you will
make based upon how well you can deceive others!!!
But that is
precisely what con America and the "multi-marketing"

{ pyramids! } firms are!
I charge my clients based upon how
much I have to use my brain; the fair way; based upon my

knowledge, experience and how hard I work.
I NEVER get paid
and I NEVER WILL GET PAID based upon how well I lie to others.
That will never happen.
I was deceived by this crime when I was
young. This will NEVER occur again.
At any company that is not
a pyramid fraud, you are paid BASED upon the aforementioned.
In
the lies against America pyramid scheme, and any other con man
trick, you are paid based upon what you can "recruit, recruit,
recruit" and willingness to stay in the captive { slave -Rocky }
market!
For con America apologists to say that a confidence
man, shark, pyramid scheme is a "verified trusted business" is

CRIMINAL.
Forbes and warburg pincus would NEVER give a con
man pyramid scheme an " A+ star rating " !!!
THAT is a cruel LIE
LIE LIE!!!
13A:
If you start your own firm, YOU LOSE YOUR CAPTIVE DOWN-
LINE!
The con men hatched out of the tongue of satan this boiler
room extortion 39 or 40 years ago. They make the money and it

is off your down-line AND YOU!
a.l. williams and his buddy Weill
and the thugs who bought from him, then changed the name of the
fraud to "primerica" get the money.
buddies make the money.
THEY and their robber baron
You will NOT make any money in this
extortionist, mafia type scheme.
No matter how hard I worked, I
made no money in this pyramid boiler room mirage deceit.

matter how hard you work, you will NOT make money.
No
Half the
world has been approached upwards of 10 times by those forced

in to this swindling and attempting to hustle and swindle the
public.
You cannot make money in this hellhole, any more than
you would have a chance making money in wamway since the

early 1960s.
Pyramiding is a BUNKO contrivance!
Fourteenth, in defrauding, bilking, pyramid schemes, it is ALWAYS

"fake it until you make it".
Confidence man bilkers will tell you
that in an attempt to blind you; sway you in to working harder.

Old vehicles with cracked windshields, rusted undersides, door
handles that do not work, worn out windshield wipers, bald tires,
and so on ad nauseum.
Fifteenth, a fee to use their website!!!!
shyster!!
WHAT!!!
Come on,
Come on!!!! "The IBA fee is $103.95 (including
applicable sales taxes) and the monthly Primerica Online fee is

$28.00."
{ PIRATE AMERICA CHARGES MORE IF THE RVP OR
SRVP THINKS YOU ARE STUPID. - ROCKY }

Sixteenth, con America now lends to their dupes!
PSALM 5:5-6, 10, 15:5;
PROVERBS.
AHEM!!
A lot in the Proverbs.
There is in a True Bible, the King James 1611.

Seventeenth, crime vs. America is coming up with more and
devious thieveries!
One are those con America IRAs.
America can be trusted?
Think con
IF YOU, BY SOME MIRACLE, GET A
RETRUN ON YOUR MONEY AT ALL AND don't have your money

STOLEN, DO YOU HONESTLY THINK IN YOUR HEART THAT CRIME
VS. AMERICA WILL KEEP THEIR PROMEISS AND PAY OFF??
CON
AMERICA HAS FOUGHT OFF SEVERAL SEC INVESTIGATIONS AND

MANY OF THE LAWSUITS AGAINST THEM.
Please see #19 and
testimonials farther down that back this up.

Eighteenth, you are NOT getting the information that I am
providing to you!
As an example, ripoffreport.com has many
readers and many souls that DONATE to evil ripoff report mismanagement!
Do you honestly and sincerely THINK that con
America is "HONEST and trustworthy"?!

that claptrap??
Do you honestly believe
ripoff report is LYING to their readers!!!
America is NOT a "verified trusted business"!!!!!!

think that ripoff report does not know that!
con
And do not
ripoff report DOES
KNOW that con America is A PYRAMID FRAUD THAT HAS

DESTROYED MANY SOULS!
Nineteenth, srvps and rvps LIE when they say "no renewals:
the
buyer pays much lower from the second year the policy is in force
onward".
The con artists who ponied this swipe KEEP THE
MONEY!!!!
be caught.
They do not report it to the IRS, either!
They WILL
Lawyers, - and 99.999 percent of them are crooked,
lying, conniving THIEVES - do get caught.
Those bilking
schemers with evil thoughts continually keep the money!
There
is no record any where of any client paying a lower premium from

the second year forward.
NONE of my clients paid less.
goes for con America as well as a.l. Williams.
That
SEE the
testimonies under
THIRD:
WHAT OTHERS HAVE TO SAY.
Twentieth, you must ask for a copy of the Independent Business

Agreement { IBA } to your attorney.
say "that is bunkum - silliness".
con America apologists will

Then you should say "you will
therefore have no objection whatever to my lawyer looking the IBA

over".
This is a deadly business model in which you are doomed to fail,
says Robert Fitzpatrick, president of Pyramid Scheme Alert, an
Internet-based watchdog group located in Charlotte, North
Carolina. There's a ninety-nine percent loss ratemeaning the

vast majority of people who start MLM businesses end up losing
money.
You'd have a better chance betting your life savings on a
game of blackjack in Vegas than you would putting it all into a

multi-level marketing home business." {Oooch!!!! That hurts!!!!!
You are 7 times more likely to be struck by lightning than to win
at blackjack in vegas or win the lottery - Rocky }
crime vs. AMERICA - MILICO - CITIGROUP - a.l. wILLIAMS MAKE
RESTITUTION NOW!
PIRATE AMERICA PYRAMID BOILER ROOM
SHYSTERISM SHARK HAS BEEN DUMPED BY CITIGROUP.
What
will happen to the employees { NOT "independent

contractors" } ??
a.l. williams rvps wanted me to buy a policy!
WHAT!! CUCKOO! CUCKOO!

sale on the first visit!!
We were NOT allowed to close the
WHAT!!!
The srvps did!
The rvps did!
THEY STOLE YOUR CLIENT THAT YOU WOULD HAVE HAD!!
THINK
about what these varmits OWE their sales representatives over

the period of 4 decades since 1976!!
OF DOLLARS.
It runs in to the BILLIONS
Hence, I was an employee.
WHERE WAS my
workers compensation coverage, health insurance, extra social

security in my account, vacation pay, sick leave pay, severance
pay, ESOP, et cetera^?
How much was the stock bought
for/share when the two corporations that merged to be called

primerica bought a.l. williams?
What's the big deal if a potential
customer asks if I have a policy myself?
If I work for Burger
Chef, I can go to Burger King without intimidation nor retaliation,

which pirate America retaliates in the worst way, incidentally.
If
I am going to work for you, you are going to give me a policy with
riders, for no charge.
policy.
I'm an employee.
You gave it to me.
Of course I have a
You had better. If you don't, you are
trying to make me BUY a policy. You know you are nothing but a
lying con man, lowdown, double crossing, slick tongued,
unscrupulous, four flushing, slick willie, surreptitious, shyster
huckster.
When I go to work for an insurance company, I get the
policy for free. Buy an overpriced policy to help national sales

directors, senior regional vice-presidents, regional vice-
presidents and senior national sales directors?

What hucksterism!
What deception!
What dishonesty!
https://www.searchincognito.com/search?
eq=46rLWlE7Qnr9d3IyCr029Po1oOUHgiwW8o7fY%2F%2FvT4U%3D
AND, WHAT I MENTIONED PREVIOUSLY, A GOOD EXAMPLE IS #3.
IF it's not a pyramid scheme, why do 99.75% {1500% more
realistically, as many go right back in to the FRAUD and fail
again!!
Also, see above} or more of the reps who try "multi-level
marketing" wind up with a DEFICIT after you figure expenses for

the "guaranteed easy wealth" of this "multi-billion dollar
corporation?!
Would you continue working for a corporation
{ oops! A gang of pirates - NOT a corporation} - wherewith you

had to pay fees month after month after month, earned no money
and was not paid anything??!!?
Any company that pays only
sales commissions without binding promises of base pay, profit

sharing, preferred stock, stock, warrants some future reward for
work performed is a crooked slave master.
for an honest day's work.
An honest day's pay
Be up front. Sam Walton was. Bill
Gates was, well, more or less.
He asked the workers to accept
shares of stock. Those who did not want his promises could walk
away.
Crime against America pressures you to stay with threats
of no refund of your $199 fee (or higher) and the usury regarding
the loans. And, pirate usually doesn't give you your due refund,
any way.
NOT without a lot of pressure, stalling, and, after 6-18
months, you MIGHT, FINALLY, receive your refund.

interest, by the way.
And, with no
A.G. Carnegie, J.P. Getty, Benjamin Franklin,
Robert E. Lee, Billy Sunday, Donald Trump, senior, Donald Trump,

junior; J.C. Penney, n Ronald Reagan, J, Paul Getty, Ray Kroc,
Sam Walton, backed up their promises.
fairy tales of riches.
They did not spew out
They backed their promises up.
That's
what a. l. williams needed to do and did not. That's what pirate
America needs to do and has not.
One wonders why ripoff report
would stoop so low to defend something that they know is

immoral, illegal and a nefarious pyramid scheme, not to mention
all the documentation that is still on ripoff report.
Ripoff report
won't publish any more exposes, but the documentation is still

there despite what Ripoff report sticks into virtually every single
title in con America, Citigroup, Milico.
It takes websites, tapes,
DVDs, books, articles and newspapers which will print exposes to

do something.
You all can type reviews in the yahoo yellow
pages that permit a review of your local Primerica "services"

office that attempted to recruit you and steal your hard earned
money.
Some pages do not.
besides yahoo that permit.

a few of mine.
You all may know of other websites

Some search engines have picked up
The more we type online, the better.
-Consult the
Rock
https://www.google.com/#safe=active&q=pyramid+schemes+now
CON AMERICA A.L. WILLIAMS IS FRAUDULENT PYRAMIDING.
IT
IS VERY, VERY EVIL.

HTTP://NEXTAXPRO.WORDPRESS.CO
M
OK. NOW WE WILL MOVE TO FRAUDS:
LET'S MAKE IT SIMPLE
for those who do not read have time to read all of this expose for
the present. Would you work in the following scenario?
You go to
work in an office after being told "you really fit this position. And
it will be easy work, you will have lots of time with your family
and you will make a tremendous amount of money".
WOULD YOU GO TO WORK FOR A COMPANY LIKE THIS? READ ON.

THIS IS THE WAY IT WAS AT A.L. WILLIAMS, INC, AND this STILL
IS AT con AMERICA!
crime against America and many corners of
the world has been, and is NOW proven to be a pyramid,

thoroughly fleecing, cheating, dishonest, through and through,
swindling, bamboozle, defrauding, hoodwinking, chiseling,
beguiling, gouging, hustling, bunko artist, skinning, suck you dry,
rook you, racket.
corporation.
the Rock }
You cannot label con America an honest

And that's not all !!
sell on the first visit.
- consult
Your company said I couldn't
a.l. williams gave orders and had control
as to how the work was to be carried out.
Hence, I was an
employee, NOT an independent contractor as I was told by my rvp!

http://www.sec.gov/cgi-bin/txt-srch-sec?
text=Primerica&mode=&start=&count=ion=Litigation&sort=rank
Would you continue working for a sham dummy corporation
wherewith you had to pay fees and month after month after month
earned no money and was not paid anything??!!?
Any company
that pays only sales commissions without binding promises of

base pay, profit sharing, preferred stock, stock, warrants some
future reward for work performed is a slave master.
day's pay for an honest day's work.
well, somewhat.
stock.
Be up front.
An honest
Bill Gates was -
He asked the workers to accept shares of
Those who did not want his promises could walk away.
Primerica pressures you to stay with threats of no refund of your

$199 (or more) and the usury regarding the loans.
A.G. Carnegie,
J.Paul Getty, Benjamin Franklin, Henry Ford, Alexander Hamilton,

Donald Trump senior, Donald Trump junior, Thomas Edison,
Ronald Reagan backed up their promises.
fairy tales of riches.
They did not spew out
They backed their promises up. That's what
a.l.williams needed to do and did not.

needs to do and has not.
That's what conAmerica
One wonders why ripoff report would
stoop so low to defend something that they know is immoral,

illegal and a nefarious pyramid scheme, not to mention all the
documentation that is still on ripoff report.
Ripoff report won't
publish any more exposes, but the documentation is still there

despite what Ripoff report SURREPTITIOUSLY sticks into virtually
every single title in con America, Citigroup, Milico
{ Massachusetts Indemnity Life Insurance Company }!
And that's not all.
No real company is shaped like a pyramid, as
apologists ignorantly say.

TO YOU.
Most know better:
they are LYING
They only explanation for such statements is Why
Johnny Can't Read,
Why Johnny Can't Write, Why Johnny Can't
do Math and exposes like that.
You would have to be coach
potato, on video games, dope and rock noise to make such a

pitifully ignorant statement as that. Here's a picture of a typical
business or corporation. You already know it, unless you believe
in sorcery, global warming and all the lies the press tells you
hourly:
Proprietor
|
Laborers who see the inefficiency in the plant/office and know
what's going on.
|
Secretary
|
Courier-Errand boy
|
Guy who reports directly to me, cracks the whip on those I cannot
supervise directly
|
Engineering
|
Advertising Exec
{ you don't absolutely HAVE to have the chiefs
at the top and the Indians at the bottom, like the nitwit Primerica
apologists always say. It's a free country.
my business the way I want.
I'm a taxpayer. I run
It's MY company.
told me I had my own company. I didn't.
You poor souls at con
America are finding the same lunatic scenario.

box, remember?
Duh!!
a.l. williams, Inc,

Think outside the
Lot of hypocrites out there.
Practice
what you preach.
Better to listen to consult the Rock. }
Find the pyramid.
Furthermore, remember that NO partnership
is able to be shaped like a pyramid.
If your product is decent,
and, if you run an honest business, and NOT an illegal, immoral

pyramid, you're not going to flood the search engines!
you afraid of???
Every single soul knows.
What are
Darkness is always
FEARFUL OF ALL LIGHT AND TRUTH AND HAS TO MAINTAIN

DECEPTION.
To be demanded by con America to pay for a
background report made me laugh myself sick!

sucker. Any sucker will do!
"independent contractor"!
for?!
They want any
Anybody can get on as an

What's the background investigation
What if I had bought the policy?
I am thankful I did not
submit to any background investigation and I did not purchase a

policy.
Would I have gotten my money back??
fraud on the part of crime to America.

is an open book.
Ha!!
Another
Supposedly, a.l. williams
You become so brainwashed you never question
anything.
He never came to see any rep and he never called for
meetings.
He can afford to pay the expenses.
con America
defenders will cease and desist now from defending that nefarious
pyramid scheme.
And that's precisely what multi-level marketing
is. Put your money where your mouth is.
Pay me my 3 million of
the coming class action lawsuit, then defend your wicked, pyramid
scheme that has impoverished me and millions of others.
would be PUT TO DEATH if you defended it in China.
You
Amway
[now sometimes called Quixtar} is NOT allowed to pyramid in
China.
And you know it, and I know it.
text=Primerica&section=Entire+Website&sort=rank
Rocky's Tip: to save a lot of souls an awful lot of money: 35 year
term should not be taken in to consideration. Even if you are
disabled, et cetera^, and think that there is no chance for you,
you may not even be around 35 years from now.
AND, the
company is likely to have merged, been merged, bought and the

previous contracts made void by a staff of unscrupulous
attorneys!
NOT TO MENTION THE COMPANY ITSELF.
For the
overwhelming majority of you, life {death} insurance should NOT

be necessary in 15 to 20 years.
You will invest or enroll in some
sort of profit sharing or stock or mutual fund or stock mutual fund

plan, then have something to fall back on.
grown.
Your children will be
Arrange for Rocky to give you a seminar of how life
{death} insurance companies rob you and what death insurance

really is.
http://www.pissedconsumer.com/consumerreviews/insurance/formerly-a.l.-williams-complaint%11-insurance-companies-2007030539870.html
https://wordpress.com/post/nextaxpro.wordpress.co
m/6
All of the search engines have Primerica fraud defenders up front
and putting our websites farther down so we do not receive the
hits.
Your input means everything.
and know computer engineers.
Some of your have expertise
We can do something about
these liars and deceivers whom want others to be deceived,

hence defenders of pyramid fraud { it is not "multi-level
marketing" or any other fancy dancy name the cons come up to
conceal the horrific, sickening, life stealing fraud } are directly
responsible for not enlightening but for deceiving minds and
impoverishing those that can least afford to be scammed and bled
dry.. .
The FCC, the judges and our elected congressmen are a
disgrace: they do nothing.
It takes websites, tapes, DVDs,
books, articles and newspapers which will print exposes to do

something.
You all can type reviews in the yahoo yellow pages
that permit a review of your local Primerica "services" office that

attempted to recruit you and steal your hard earned money.
Some pages do not.
yahoo that permit.
mine.
You all may know of other websites besides

Some search engines have picked up a few of
The more we type online, the better.
- Consult the Rock
taken when sins are called by their right names."
HORRIFYING!! HORRIFIC!!
INJUSTICE!!!
-Billy Sunday
POLICYHOLDERS NOT
GETTING THEIR INHERITANCES BECAUSE OF PIRATE AMERICA

ABOMINATIONS!!
atrocities!!
AGENT SEDUCES HUSBAND and many other
UNBELIEVABLE!!
THINK CON AMERICA AGENTS KNOW WHAT THEY ARE IN TO?

This entire post may be worthy of you printing out, placing side by
side and examining. It consists of PFS Truth, then comes a very
weak and very poor rebuttal by a Primerica apologist, then PFS
truth blows the apologist to smithereens:
http://primerica.pissedconsumer.com/is-primerica-a-scam-you-bethe-judge-20080320115955.html
(13). Written by PFS Truth {later vtch786 because fraud vs.
America bolshevik agents plagiarized his/her name and
CONCEIVED AND PUBLISHED LIES pumping up conAmerica!!!!!!!!}
on 04-04-2008 18:14
You see Primerica agents {SIC: , } I have
been where you are, {sic: were} {sic: . } I was at Primerica for 3
years. And when I left I was the top producer in ALL categories in
my state. So we can get these out the way:
{NOTE: THE FOLLOWING IS WRONG. I PROVED IT above }.
conAMERICA IS A PYRAMID. THE PRESSURE IS TO RECRUIT.
YOU EARN VIA WHAT IS CALLED A "DOWNLINE", NOT getting
more victims, although that is part of it.
A PYRAMID IS.
A PYRAMID IS EVEN WORSE THAN THE
INSTITUION OF SLAVERY!!
AND WATER.
THIS IS EXACTLY WHAT
SLAVES HAD A PLACE TO STAY, FOOD
WITH PYRAMIDS, YOU GET NOTHING and the rvps
and srvps don't care.

NOW conAMERICA!
IT IS EVEN WORSE WITH a.l.wILLIAMS,
YOU ARE ALLOWED NOTHING UNTIL YOU
RECEIVE YOUR LICENSE, WHICH YOU PAY FOR.
THIS IS NOT
TRUE WITH REAL COMPANIES THAT TRAIN YOU AND KNOW YOU
HAVE POTENTIAL -consult the Rock}
1. It is not a pyramid scheme { don't bet your soul. It has proven
to be a pyramid, thoroughly fleecing, cheating, dishonest, through
and through, swindling, bamboozle, defrauding, hoodwinking,
chiseling, beguiling, gouging, hustling, bunko artist, skinning,
suck you dry, rook you racket.
honest corporation.
You cannot label con America an
consult the Rock }

2. I believe in working hard
3. I don't like Corporate America
Now I want you to take a hard look at the truth. You ARE selling a
scam. You may not know it, and I believe that most of you don't.
The unfortunate thing is once I tell you this you will NEVER get
that $100,000 Ring that you covet because the most of the people
that join Primerica { conAmerica -consult the Rock} are good
people that think they are doing the right thing and for the most
part you are, but to get that Ring after knowing the information I
am about to share with you, you will have to become a different
person, {-} one that is more about making money rather then
helping people.
Once I found out this info, I refused to continue
to sell that scam anymore and turned away from all the money I
was making.
Here goes:
Let's look { SIC: at - consult the Rock } products you
sell to the client:

1. Primerica is NOT the largest seller of Term Life Insurance
AIG is look it up.
{ probably northwestern mutual or
Metropolitan is first.
Depends upon whether you rate by assets
or writers of policies -consult the Rock }

2. It is way MORE expensive then most Term coverage outside of
(State Farm and Allstate) so if you are TRULY trying to save
people money why not find them the lowest instead of just what
you have to offer. {HA HA HA HA HA HA HA HA HA HA HA. AMEN
TO THAT.
That's what I told a con America agent who CHEATED
HIS OWN MOTHER!!!!!! -consult the Rock}
Remember you are
trying to SAVE them money. Some Return of Premium Products

are less expensive then {sic - consult the Rock } Primerica Term.
You are hurting your client. After knowing that { sic: comma here
- consult the Rock }
how can you still sell it.
{sic:}
3. What would you do if your client is declined by Primerica.
Tell
them they don't deserve life insurance{,} then. { sic: ? } You see
this is what opened my eyes up, because my father was turned
down by Primerica. Was I suppose{d} to tell him Oh, well .. too
bad. No, I did what any good son would do,{;} I started looking
at other companies and found he could be covered with term
insurance by them, for less then what Primerica was going to
charge.
4. Term is the right product for 95% of people (sorry not 100%),
SORRY, you are wrong at this juncture - Rocky } the problem is

you only sell Term which is great but what do you do when you run
across a person that is in the Top 5% Also think about it
aren't you trying to get all your clients and yourself to that Top 5%
what do you get when you are there?
{ I am very sure
Primerica goes vs. their word and sells some whole life.
In any
event, most of their term packages are overpriced. -consult the

Rock}
5. You are taught with your mortgages to say Interest Rates do
not matter or Ours are calculated differently { ha ha ha ha
ha ha ha ha ha - Rocky }
If it doesn't matter then why not give
them a competitive one.{?}
I also dare you to put that in writing,{
sic: period -Rocky} Home Office Compliance would be down your

throat quick because they know it is not true so they don't want
it in writing.
6. With your investments. the market is down right now am I
suppose to sink money in an investment I know is going to go
down right away . That's right{;} primerica has annuities now
even though just a couple of years ago annuities were evil.
7. A client's money is sacred to them why would they sink it
into a company with so much negative press, it scares them .
Why do it . When they can get the same thing for less with less
negative remarks. For all the agents who say that is just some
agents that act like that . They represent YOUR company and
because the RVPs don't care what type of people they are as long
as they have $199 (now $103.95)
{if 103.95 now, not for long.
Plus, remember, Primerica pays for nothing, reimburses you for

nothing, steals from your bank account $25/month whether you
have the money in your checking or savings or not.
sneaky, unscrupulous outfit. What pyramid isn't?
A very, very
-consult the
Rock} so the RVP can win the next contest.

But Most of you aren't in Primerica because of the products, you
are in it for the business.
Because you think there is nothing is
better then owning your Primerica business. It is definitely better

then {sic} Corporate America{;} that is for sure. { NO
-Rocky }
I have proof!
Here is where I look at you like teenage kids with your
first beat up car speeding around town like you own a brand new
Mercedes and I tell you to slow down and think .. you will either
listen or will crash and I will say I told you so
SECOND NUMBERED GROUP IN THIS ESSAY
How many of you TRULY read and understood your IBA contract
when you signed it? Let me go over some things before I enlighten
about your IBA contract:
1. How can you tell a new recruit that you can make a lot of
money before you actually do it.{?} Doesn't that feel wrong to you?
2. The money you are spending for your IBA DOES NOT pay for
your license {more fees than ever now -consult the Rock} it pays
for processing and your Licensing class . Most states don't
require a class{.} {W} why does everyone have to pay for it. {?}
3. Why can't a new recruit go get your licenses BEFORE you sign
your IBA?
4. Why can't new recruit{s} go see clients AFTER {BEFORE} you
are fully licensed and then sign ALL transactions {ONCE YOU
BECOME LICENSED}? I know why this is the case . Most agents
are not making money so they need to sign it to make money and
they are afraid the recruit will quit.
5. Why beat around the bush when saying the name Primerica ..
you are taught to say Division of Citigroup . Member of
Citigroup .. Largest Financial Services Distribution Hub ..
PFS .. anything but Primerica it goes back to the bad rep ..
and the fear that the new person will Google the name
Primerica{.} And that is fact! They were sure to check your A.L.
Williams business cards. You had to pay. They didn't tell you that
you just lost if the RVP does not approve the name you put on
when you had the cards printed!
6.
People who leave Primerica are not quitters or couldn't make
it at Primerica people making six figures have left Primerica for

better opportunities you just don't know they exist.
ark ark ark ark ark ark ark ark.
{ Ark ark
More often, it is because of
lazy, irresponsible rvps and svps who are reprehensible and won't
obtain a real job and earn their keep! -consult the Rock}
7. You would NEVER be able to recruit a person who is already
licensed and knows what questions to ask. {This would be so
hilarious but for the sad reality that there are so many, many
victims of disreputable pyramid schemes. -consult the Rock}
8. Citigroup (not in the best financial shape right now and has
{omit "has"} Abu Dhabi is now the largest shareholder) is looking
to sell Primerica . FACT check out the Wall Street Journal
March 28th 2008 Section C Citigroup has a major retail
presence in just a handful of major cities, including New York,
Miami, Chicago and San Francisco. Primerica Financial Services,
which sells life insurance and mutual-fund products, is up for sale
but isn't attracting buyers, say people familiar with the matter.
{The crime against America nut who "rebutted" didn't even know!!
I mean, SHE DOES NOT EVEN KNOW that she is about to lose her
policyholders, contests, AND leads. Pitiful. }
captive agents own nothing.
and 14 BELOW.
You primerica
IT'S PROVEN IN POINT NUMBER 4
-consult the Rock}
THE THIRD GROUP OF LISTED NUMBERS IN THIS

ESSAY:
Now on to the IBA. The moment you
sign your IBA these things happen:

1. You become a captive agent {HORRIFYING!!! bonnie floorman,
a.l. williams didn't inform me of an awful lot of things!} .. not
allowed to sell anything Primerica does not offer . Hand cuffing
you to fully help your client.
2. You only have one company to work with {-} Citigroup why
not allow you to use any company you want . There are
companies that do. { Si!
They are called independent agents! -
Rocky }
3. You have to give up a leg (your MOST productive team) to
become an {sic } RVP . Why not let them become an RVP AND
keep their whole team .. Other companies do it
4. Hear me when I say this!!!!
BUSINESS!!!!!
YOU DO NOT OWN YOUR
Don't believe me ask your RVP { SIC: the
following - Rocky}
if {sic -Rocky } you move to a different
company can you take your clients or team with you{?} .. you will
find out real{ly} quick{ly} read your IBA { SIC:
period or
semicolon - Rocky } it says it in your IBA .. your RVP owns your

business you do not own your business until you are a Senior
Vice President AND have had 5 years of at least 3% growth {funny
how bonnie floorman and the seminar speaker forgot all about
that - Rocky } . Until then your RVP owns your business even
after you become an RVP there are other companies that allow
you to take your clients with you.
5. I will preface this comment . I am a huge believer in
recruiting .. I love recruiting and I am good at it . BUT you
should not have to be forced to recruit to be promoted you
should have the choice to work yourself or recruit and have the
same opportunity America is about choice.
6. Your Securities (investment) commission is HORRIBLE.. there
is NO WAY you could live on it alone .. add it up.
7. You{r} IBA has a non-compete clause in it . Which means try
to leave for something better see how nasty your old friends
get.
{O ho ho ho h o ho h o ho ho ! He he he he he he he he he he
he he.
Chuk chuk chuk chuk chuk chuk chuk}
8. You have to be full time to become RVP . Do you forget some

people like their job pastors, teachers (I know the company was
started by teachers but you fail to realize A.L. Williams was a
different company then {sic: than} Primerica) or anyone else that
would like to keep their job. {it was like that at A.L. Williams.
At
least in the majority of districts -consult the Rock}

9. As an RVP you are required to get an office again I like
having an office but some people do not want the overhead why
make them pay it?
{Why can't con America pay? They say they
have so much money. Why say you are a private firm that doesn't
need to issue stock, then talk out of both sides of your mouth and
say "we are a part of Citigroup, a world renowned large
corporation"?
10. You can be Rolled Back which means lose the promotions
that you have received and the commission levels at your RVPs
discretion . Not enough production, illness, or because your RVP
wants to teach you a lesson.
RVP?
{How do you like aspiring to be a
You know you are going to shaft your down-line.
And you
stay with such an evil abominable boiler room conceived

darkness!
You ought to be ashamed of yourself!
You ought to
be exposing con America 19 hours a day. - consult the Rock}

11. Some people do not like the risk of the market . You can not
sell a fixed / index annuities . Most of you don't know what that
is don't worry I didn't either when I was there trust me your
hurting some of your clients by not having access to it.
12. What happens when you have a recruit at your same
commission level you 2 are at the same level you get no
override . Doesn't that make you want to keep people below you
{HERE means from moving up -consult the Rock} not push them
up..Some companies will still reward you even when you are at
the same level
13. A brand new person starts at 25% . They can do all the
work (and you know as well as I do getting a warm referral is
most the work so don't tell me because you did a flip chart
presentation you did most the work) and they only get 25% .. the
RVP get 95% . So the RVP gets 70% of something they may
not have been there for { years - consult the Rock } .. doesn't
sound fair I thought Primerica did what was right 100% of the
time" {!!!! And at the end, con America STEALS your reginal vice president money and position and gives it to one of their friends!!!
Check out the complaints BEFORE you apologize for con America!!
- consult the Rock}
14. Let's say Primerica goes out of business (don't believe it {?}
check out eNRON, .{ mci, Grant's, Bear Stearns, Adelphia,
Newpower, Lehman Bros consult the Rock} And read the Wall
Street Journal article I reference { d sic } above) .. your contract
and license is with Primerica what do you then? because I
already explained to you YOU DON'T OWN IT {!}
15. Do you like paying for POL, Call Atlanta, marketing material,
leadership school, and training (hype sessions) . Most
companies give that stuff out free{.}
16. DO YOU
LIKE CHARGEBACKS?????!!!!! . Come on{,} of all things I know

you are tired of we have to agree on chargebacks .. for those
that don't know what a chargeback is: the agent turns in the
paperwork to Primerica and is immediately paid . But the policy
is not issued which means if the client changes their mind, finds
something cheaper, does not qualify, drags their feet on blood
work, stops paying or for any reason does not get or continue the
policy . Primerica wants their money back .. which means they
take it out of the next check or the next one or the next one which
means you are running up an escalator and YOU KNOW IT . Sorry
to give out the dirty little secret but you can not say you like the
CHARGEBACK . Again not all companies get those and NO
company gives them out as much as Primerica{.}
17. Most
people become disable{d} before they die . You can't sell

disability insurance or you will be fired hurting your clients
again {.}
18. What about health insurance again .. try to sell it and you
will be fired (by the way does it make sense that you can be
fired from your own business?)
19.
Critical care .
What if you client gets cancer or do have insurance for that .
Nope . Fired Again By the way before you say it . Most life
insurance has accelerated death benefit . So Primerica not
special with that.
20. Make sure you check with Primerica before you do
ANYTHING{.} {I} if they don't like it they can terminate you (read
your IBA - Independent Business Associate ) sounds like a JOB
to me .. I'd rather be independent the sad part is most don't
know you can be . Listen I wrote this for the person I was
before I left Primerica hopefully that person is reading this and
just starting to open your eyes a little bit and ask some questions
that they didn't have before. I don't hate Primerica I don't hate
the people in Primerica but you don't know everything about the
company .. and I can almost guarantee you didn't read or
understand the IBA you signed. And if you don't open your eyes
and figure it out . You are going to hurt some people and your
{sic} going to hurt your family. Think about it don't try to argue
with it{,} just read it and find out if everything I said is true .
Don't believe me READ YOUR IBA. I was you before I found out all
of this stuff. The question is Once an honest person knows the
truth, he/she has 2 choices, continue to be honest and change
their current course of action or cease to be an honest person.
will gladly talk to you here about it and answer any comments,
questions or disagreements you have.
http://www.businessinsider.com/citigroup-primerica-ipo-2010-4
Rocky's Tip:
to save a lot of souls an awful lot of money: 35 year
term should not be taken in to consideration.
Even if you are
disabled, et cetera^, and think that there is no chance for you,

you may not even be around 35 years from now.
MENTION THE COMPANY ITSELF.
NOT TO
For the overwhelming majority
of you, life {death} insurance should NOT be necessary in 15 to 20

years.
You will have something to fall back on. Your children will
be grown.
Arrange for Rocky to give you a seminar of how
life{death} insurance companies rob you and what death insurance

really is.
http://primerica.pissedconsumer.com/i-just-got-home-
from-a-primerica-presentation-and-20080805130392.html
9. Written by John Garvin, on 07-04-2008 19:08
Last week, the Department of Ins. for

the state of Utah raided the Primerica
offices in Salt Lake. The RVP admittied
{sic} to investigators that he had
committed a fraud.
{ WOW!! WHY
DON'T THE conAMERICA apologist

CLOWNS PUBLISH THIS??? }
May be the reason Ripoff Report has ceased publishing exposes
and complaints regarding Primerica:
9. Written by Consumer Advocate, on 11-08-2008 13:55.
Go check
out what the editor of ripoffreport.com said after being PAID by

Primerica to become part of his Consumer Advocate Program
He will say whatever you want after you PAY him. "proven, trusted
company".
A lot of souls and not stupid and neither am I AFTER
BEING DECEIVED FOR 7 MONTHS.

http://primerica.pissedconsumer.com/primerica-3a-one-recruit-sreflection-2c-2yrs-later-20080808130739.html
2. Written by vtch786 aka PFS Truth, on 08-08-2008 15:04

LTM4661:
1st Please use your own name not my username {.}
2nd You have been lied to if you were told you can get promoted
without selling anything. {poor Primerica recruits will believe
anything.
This is really pitiful.
This is awful.
-consult the Rock}
You have to do $10,000 in life insurance premiums 2 months in a

row AND have 6 districts to get promoted to RVP. By the way you
don't give away the life insurance policies, you or your team has
to SELL it. After being told you don't have to sell anything to be
promoted by another up standing Primerica agent and now finding
out the truth, you are a sucker if you sign that IBA. How many
times do I have to say this, I was at Primerica for 3 years,
LTM4661 or any other new person, what makes you think you are
going to say something that I don't already know. I am trying to
warn you before you sign the IBA.
3rd When you recruit somebody do they give those away free
too? NO, you sell them an IBA contract for ($99 down and $25 a
month) {yiiiiiiiiiiiiiiiiii !!!!! OWWW!!!!! YOU PAY TO GET RAPED!!!!!!!!
-consult the Rock}. Wake up! Every promotion is based on sales,
either IBAs and/or Life Insurance. You are choosing to ignore
FACTS and if you sign your IBA after this you deserve exactly
what you are going to get.
4th What McDonald's can you buy for $10k?
From McDonald's
website: How much does it cost to open a McDonald's franchise?

Total investment: $655,750 - $1,225,000
{ It is more now -consult
the Rock}
5th at the same time and hopefully, one day, maybe you could
own it. Does that make sense?
Because that is what you are
doing a{t} Primerica. Get this straight{:} it is a Multi Level

Marketing company {sic: pyramid fraud What " franchise" are
you buying at Primerica? Let's use your analogy:
Would you buy
a McDonald's then be told you have to start working for free at the
FRY STATION and ADVERTISING
{ It's a scheme;
hatched by
DIABOLICAL POUS SURREPTITIOUS DAKRmen and women whom

have seared their conscience: - consult the Rock}?
You have to
recruit to be promoted and you have to sell to get promoted.
You
will be selling OVERPRICED products to your friends and family

and recruiting strangers AT THE MALL, trying to convince them
with the same lies you are believing.
Sounds like Amway to me
the only difference is you have to get a state license first so

you have to wait and make you[r} new up-line money first.
confirmed true.
{Yep,
-consult the Rock}
http://primerica.pissedconsumer.com/primerica-is-deliberatelydeceptive-20080806130446.html
you buying at Primerica?
5th What " franchise" are
Let's use your analogy:
Would you buy
a McDonald's then be told you have to start working for free at the
FRY STATION and ADVERTISING at the same time and hopefully,
one day, maybe you could own it. Does that make sense?
Because that is what you are doing a {t} Primerica.
Get this
straight{:} it is a multi Level Marketing company { sic: pyramid

thief coprophagous -consult the Rock}. You have to recruit to be
promoted and you have to sell to get promoted.
You will be
selling OVERPRICED products to your friends and family and

recruiting strangers AT THE MALL, trying to convince them with
the same lies you are believing.
Sounds like Amway to me the
only difference is you have to get a state license{d} first so you

have to wait and make you[r} new up-line money first.
confirmed true.
{Yep,
-consult the Rock}
Good stuff for the most part by: Written by vtch786, aka PFS
Truth,
A nefarious, seared conscience fraud, liar, con America
apologist stole his name and wrote garbage favoring Primerica!

'nuf said! on 09-05-2008 10:
http://primerica.pissedconsumer.com/primerica-bankrupted-afriend-he-lost-his-home-20080330116835.html
crime against America apologist blown away; his

lies exposed:
{point #} 13. "Are you sure there are NO Financial Firms that will
allow you to work part time AND own and office? ..and Are
you also sure there are NO Financial Firms that will not let you
work in another Financial Field and also work for their firm?
and Are you sure that they "Will require you to drop several
thousand (often in the 6-figures) in franchise fees" before you
open your office? Wow I should really go tell some the
independent agents I know that what they are doing every day is
IMPOSSIBLE. .. and I am not sure how I owned an office when I
was part-time . And I must owe someone a franchise fee so
please let me know who to write that check to.
Should I stop
selling health insurance and disability insurance too? Just

because Primerica doesn't sell it, doesn't make it {or me -consult
the Rock } non-compliant, it makes PRIMERICA Non-Compliant.
{All RVPs pay close attention:} {point #17.
As for a new recruit
why not do this:

a. New Recruit says I am interested in getting in to Financial
Services.
b. New Recruit pays NOTHING .
c. New Recruit goes to licensing class FREE
d. New Recruit goes on training appointments that I set up in MY
MARKET from the referral I have made from clients I have saved
money for
e. New Recruit Learns even more and still hasn't paid anything.
f. Independent Agent Pays for New Recruit to take the test.
That's what {sic} done all the time?" {.}
{ That's why a.l.
williams owes me and why Primerica owes all their recruits.
resent you lying to me, bonnie floorman.

Y ou may have
saved some money "primerica rocks"{,} but if you have a term

policy with them, the fact is you could probably have paid half as
much for possibly more coverage from a different carrier, and had
more to invest. They could have helped you with the refinance
too, especially considering that Primerica's products are by no
means special.
You just didn't shop around, and instead took the
first piece of advice you came acroos {sic: across}.
Best of
luck!"
4. "Also how can you not know what it takes to own your
Primerica business? You have no way of looking up and verifying
the 3% growth {!!!!!!!}
-consult the Rock}. This is your business,
you know ALL the ins and outs of Primerica and the Financial
Service Field, how can you not get that information how can I
get it and you can't"
{ ha haaaaaaaaa! O ho ho ho ho ho ho ho ho
A ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha!}
http://primerica.pissedconsumer.com/primerica-2bjob-opportunity3drun-20080204112362.html
http://www.pissedconsumer.com/consumerreviews/insurance/formerly-a.l.-williams-complaint-%11-insurancecompanies-2007030539870.html
Good stuff by: Written by vtch786, aka PFS Truth, as Primerica
fraud liar abominable apologist stole his name and wrote garbage
favoring Primerica!!!
sufficient said! on 09-05-2008 10:
Primerica apologist blown away; his lies exposed:

allow you to work part time AND own and office? ..and Are
you also sure there are NO Financial Firms that will not let you
work in another Financial Field and also work for their firm?
and Are you sure that they "Will require you to drop several
thousand (often in the 6-figures) in franchise fees" before you
open your office? Wow I should really go tell some the
THIS WAS KNOCKED DOWN BY LYING, DECEITFUL, EVIL,

SURREPTITIOUS, VILE, HEINOUS, CRIMINAL, FRADUSTER,
SHYSTER, SHARK CON AMERICA APOLOGISTS AFRAID OF LOSING
RECRUTIS AND POTENTIAL RECRUITS!!! :
You may have

more to invest.
They could have helped you with the refinance

means special. You just didn't shop around, and instead took the
first piece of advice you came acroos {sic: across}. Best of luck!"
4. "Also how can you not know what it takes to own your
the 3% growth {!!!!!!} -consult the Rock}. This is your business,
you know ALL the ins and outs of Primerica and the Financial
Service Field, how can you not get that information how can I
get it and you can't"
{ ha haaaaaaaaa! Oh ho ho ho ho ho ho ho
ho A ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha! - consult the

Rock}
http://primerica.pissedconsumer.com/primerica-2bjob-
opportunity-3drun-20080204112362.html
The author is quite knowledgeable.
author on the website:
Cannot find the name of the
"A thorough response to "Termites" had
been prepared as early as 1988 for a former RVP in the a.l.

williams organization in a published book called "A.L. Williams:
Cult or Crudade? {sic}"
The questions asked there are relevant
to today's PFAs and are the questions that should be asked when
one is being coerced to replace their cash value policy or is being
recruited to join Primerica, a company that is known for its agents
unscrupulous and deceptive practices.
"1.
Do you want to buy insurance from a company which
guarantees that the insurance you buy this year could cost you
$106,000 more { annually -consult the Rock } by age 65?"
2. "Do you want to do business with a company [whose agents]

openly admit to lying and distortion to sell its programs?"
state it is more important for them to get the business and
biggest earnings than how they got them?"
4. "Do you want to join a company which offers a dream, a job
opportunity and an "own your own business " pitch which is really
a [MLM] sales gimmick?"
5. "Would you want to join a company which offers financial
independence and yet will not guarantee any earnings,
compensation plans or employee benefits?"
{ amway wamway
pushes this hard and unceasingly - Rocky }

6. "Do you want to go to work for a company which encourages
you to build your own business, but it requires you to sign 73
pages of contracts which give the company the right to take your
business, to terminate you without cause, and to confiscate your
past business earnings?"
7. "Would you like to invest your family's business future
contracting with a company which forces you to sign a contract
which allows only the company to change the terms of the
contract at any time without justification?"
8. "Do you want to trust your professional future to a company
whose contract states your "appointees (business) and rights to
commissions and override commissions (earnings) do not
constitute property of the RVP (you) for any purpose nor shall
such rights be subject to inheritance" and that upon your death
{ a.l. williams -conAmerica -consult the Rock} takes it (your
business) if they don't take it before?
done to me!!!
{ Sounds like what was
-Rock }
9. "Do you want to work for a company which won't let you sue
them in a court of law if they violate their agreement with you or
wrong you but requires you to go to Georgia, under Georgia law,
when {while} the company reserves the right to sue or arbitrate?"

These are a few of the questions being asked in 1988, shortly
before Weill bought the company from Williams.
changed since 1988.
Little has
If you have read your contract carefully, you
will see that most, if not all of the above statements apply to
today's Primerica.
I strongly advise anyone considering
Primerica as a career or as a vehicle to wealth {grinding poverty

-consult the Rock} to find another vehicle."
What S.L. posted is absolutely irrefutable.
While slaving for A.L.
Williams, now conAmerica, and feeding the up-line and not making
any money for the benefit of my hard labor for my family, I first
noticed that CNA was cheaper. Then I noticed another one
cheaper, then another, then a torrent.
Then, even if a.l. williams
appeared cheaper, it was NOT in some of the kaleidoscope of

plans.
MY EXPOSE HAS BEEN DEEMED "PORNOGRAPHIC", "OBSCENE"
OR SOMETHING.
IT IS GONE!
CON AMERICA FRAUDSTERS
CONVINCED OR BRIBED ... consumer.com knocked my expose`

down! :
http://www.pissedconsumer.com/consumerreviews/insurance/formerly-a.l.-williams-complaint-%11-insurancecompanies-2007030539870.html
Now we will move further in to the pyramid boiler room scheme
confidence man frauds:
Would YOU go to work in an office after
being told "you really fit this position.
And, it will be very easy
work; you will have lots of time with your family and you will
make a tremendous amount of money" ??
Firstly, you are told you will NOT be paid until you obtain a
license. You say "nothing was said that you have to have a
license to work here. And, you already have my SS number".
Well, you were finally told AFTER the sleazy one got you all
excited about making 50,000, 200,000 or even more {less than .
0025 do}.
"What? What if I get five; they all get five; they get five? Where
will all these workers fit? There's very limited space."
You only
hear: you must recruit, recruit, recruit.

Thirdly, AFTER you pay out of your own pocket for this license,
you cannot earn money yet. "Why am I not allowed?!
fair.
That's not
You said I can collect commissions and recruit after I pay
for this license, pay for the preparation, pay the fee and pay all of
my expenses to get it.
I'm having to go to the homeless shelter
because I cannot meet my house payments" or "I cannot pay my

rent".
You hear a bunch of lies.
This is to cover up the fact that
you are not allowed commissions for a while.
You see, your
superiors {superiors? NO ONE whom is dishonest is superior to I.

NO ONE.} - this upline - knows that you are going to hear the truth
about con against America. You will become very discouraged,
very, very quickly. So your "superiors" have to hold something
back to insure you remain in the trap that they have placed you in.
Fourthly, you are told {or may be NOT told and all the implications
of that!} YOU MUST HAVE $25 to $40 STOLEN FROM YOUR BANK
ACCOUNT EVERY SINGLE MONTH!!!!!!!!!!
WHY??!
con America has waxed worse and worse!
LISTEN TO ME!!
LISTEN TO ME!!
If
this is such a great opportunity and you are in a 100, 200 or 500
billion dollar company, depending upon how large of a lie your socalled superior told to you.
You haven't seen a check for well
over 3 months now, but you have to allow Primerica to STEAL that's precisely what it is - from you.
front.
And they do not tell you up
This means that you will be clubbed for $25 to Lord knows
how much, depending upon how many checks you wrote that
bounced as a result, how dishonest your bank is and the fee your
bank charges per returned check presented.
Fifthly, you are NOT vested in any profit sharing, retirement,
pension or IRA or ESOP plan after 3 TO 12 months of employment
in this supposed 500 billion dollar corporation.
No health
insurance or HSA, either.
I've still received nothing for all my toil
for A.L. Williams.

Sixth, you are provided with NO life and health insurance after
two or three months of employment, not even one with a large
deductible.
You are told that you MUST buy an insurance policy
with this 500 billion dollar company!! { NOT WORTH THAT MUCH
ANY LONGER
http://www.theirnetworth.com/Businesses/Citigroup}
WHAT!!!!!
When you franchise, you get the merchandise for free.
My friend
who franchised a restaurant did.
You must BUY this policy as an
EXAMPLE to all of your prospects, even though you supposedly

have this secure job in an office where you are supposed to be
making this huge salary and not have to waste $80 in gasoline per
day trying to sway prospects and lying to potential recruits to get
this downline!!
WHAT LIARS THESE GARBAGE ARE!!!
You do
the "hiring" for your upline and they don't have to go to the
expense of finding good help.
But even though it's their fault,
YOU still get the blame if your downline doesn't sell.
And, in
addition to that, it's not even the cheapest of policies!!
Matter
of fact, when you compare to other companies, you find that you
are paying one of the highest rates!! And you are forbidden from
doing business with any other company!
discounts!!!
Further, you receive no
You pay retail in this $500 billion company
{ actually 120 B and DECLINING! }

that should
be insuring you and your family in gratitude for your putting in 90,
100, 120 hours/week worth of work attempting to get more
"recruits" for the company!!
Worse, you may already have a
whole life policy that you are trapped in. It does not matter. You
are told you MUST buy a policy with Primerica to make a good
impression on all those customers you are supposedly going to
convince to come on the Primerica merry-go-round.
No lead
sheets from a professional marketing firm nor anything a quarter

of the way convincing is presented proving that you will have good
possibility leads.
Seventh, you can be demoted by your superior for any reason,

including no reason.
also.
Your commission levels would be reduced,
And this is only the beginning. I've learned that rvps and
svps, when they tell their upline they are going to retire have ALL
of their leads, underline, commissions STRIPPED from them!!
That is the rawest, cruelest, atrocious, lowdown, varmit, outlaw,
double crossing, double dealing, raping of the rep and his family;
abominable, heinous criminal STEALING and PROMISE BREAKING
ever!
Eighth, when you become sick and tired of being treated unfairly,
you have NO RECOURSE.
You cannot go to the Department of
Labor for redress!

Ninth, the commissions you make in this "office" can be taken
away from you. If your purchasers find that your prices are too
high, they change their mind, your company decides not to sell to
a "sold" customer, a death in the family and a different CEO takes
over - any of these things can cause you to have to take a
"chargeback" - which means you have to give your commission
and overrides back!!
And, you have no overrides to give!!!
You
receive ZERO ZILTCH NYET renewal commissions and they tell

you that is a good thing!!
with a pension?
OK, does con America make up for it
NO NO NO!!!
You are walking, then gaiting,
then galloping, then RUNNING, faster and faster just to fall farther
and farther behind!
You are TRIPLY whammed!
In a real
company, you get paid and your company refunds the money to
unhappy customers.
At this shyster, abominable flim flam, you
not only do not get paid, and, when you make a commission, YOU
and NOT your company, have to refund to the customer when the
customer does not pay, et cetera^. YOU did not receive your
entitled commission when you were paid because you were
skimmed to pay an upline.
But when you have to take a
chargeback, YOU pay the entire charge-back!!
A triple blow!!
think one or both of the pastors I sold to discontinued the policy

after a couple years.
A.L. Williams did not attempt to tell me I
have to give my commission back.
Good thing for him is all I can
say.
He owes me so much in commissions because someone else
sold in my "protected territory"; my time and I've received no

retirement, 401(k), profit sharing, pension - nothing, ziltch, nada,
nyet, nein!
And don't allow any fraudulent apologist tell you that
you have your own business!!!
You are only allowed to advertise
what conAmerica allows you to advertise.
You are not allowed to
recruit except where conAmerica tells you where you can recruit.
You are not allowed to have an office except where conAmerica
allows you to rent or own an office. You pay out of your own
pocket.
IF you become a rvp, you MUST have an office, even
though insurance reps sell out of their car. All you need is a
computer, literature and sample policies.
And you don't get a
free policy with riders; not even a discount!

Tenth, you begin hearing, then confirming, that the prices of your
companies product lines are too high. You do not believe it
because you were told that we had the lowest rates in all
features.
That's why you came to work for this glorious company.
You begin doing your research in independent journals, trade

journals, online, and so on and you find that ALL of your products
are over-priced. Your company cannot compete. Not only that,
you discover that your product line does not have the variety that
your competitors have. Further, your line has some terrible
products. WOULD YOU GO TO WORK FOR A COMPANY LIKE THIS?
READ ON. THIS IS THE WAY IT WAS AT A.L. WILLIAMS, INC AND
STILL IS AT CON AMERICA!
Eleventh,
what about profit sharing??
You are told that you are
doing a great, humanitarian service to the customers { actually,

recruitees. Thats what they drive in to you }.
You receive a
commission the first year, and first year ONLY!
What about
renewals?
You dont get those! OK, then, what about profit
sharing if the customer continues to pay the premium(s)?

conAmerica keeps what you are supposed to be receiving!
As if
that were not terrible enough, you are CHARGED BACK if the
customers do not pay!!
A double whammy!!
back because con America has your ss # !!!
You CAN be charged

conAmerica will tell
you that they have to have your ss # so that they can do a

background check.
background check!!
THATS A LIE LIE LIE!!

They get your money.
a VICTIM in this sham.

check.
They never do a
You are a customer;
They dont need to do a background
They have your SS # !! See my expose section on
communist insecurity and how communist insecurity has enslaved

you!
They have your money.
They have your ss #.
Therefore,
the possibility of them STEALING from your bank account, credit

card account, wages or tax return is there.
Twelfth, you get RAPED by these vile, heinous, evil CRIMINALS in
this so-called glorious, praise the Lord hallelujah "enterprise".
Read the testimonials.
I have some here and on:
Thirteenth,
you are NOT , REPEAT NOT, NOT, NOT paid based
upon the talents, skills, education, background that you may have.
You DO NOT get paid based upon how hard you work.
young; I listened to bonnie floorman - rvp's LIES.
the time;
I was
I worked all of
that is what you do when you sell life insurance.
can work 110 to 125 hours a week.
You still will make no money
to even speak of when you have no protected territory!

easily go upwards of a year without making one ssale.
would want to do that?
You
You can
Who
Did J. Paul Getty, Rockefeller's great-
great-grandfather, Ronald Reagan, J. Pierpont Morgan, Henry

Morgan, Donald Trump, senior, Robert Fulton, Eli Whitney, Donald
Trump, junior, Henry Ford, Paul Sears, Robert Leggett, J.C.
Penney, Ray Kroc, Sam Walton waste time pouring their brains and
their talents down a bottomless rathole?
Of course not!
not make a fortune in this world by wasting time.
You do
You do not
make big money selling life insurance, or any thing else, for that
matter, unless you are a talentless pothead or drunkard and sing
incomprehensible, dirty lyrics that other drunkards, fornicators
and potheads buy.
INVESTMENT.
You make big money by INVENTION or
In other words, you do good for your family AND
for future generations by INNOVATION, NOT by hatching up

confidence man, crackpot, sleazy, slutty bathroom schemes
designed to CHEAT humanity, RUIN SOULS FOR LIFE and retard
progress!
THAT will not help and will eventually get you
murdered or tossed in to prison.
You do not get away with
cheating humans, lying to humans, conning humans, tricking

humans.
You do not get away with it for long, mark my words.
To make money based upon how rabbit's foot - lottery pushing confidence man - card shark - tongues televangelists selling
"prayer beads", SURREPTITIOUSLY sneak, prey and scheme to
deceive, mislead, cheat and con, rob, rape, pillage, loot makes a
man who would do that scum slime no better than a mafioso thug.
I know a lady who is a dentist.
She makes $400,000 annually.
There are many engineers who make upwards of $300,000 per

year.
The lady surgeon who operated on my eyes probably
makes over one million now.
And boy, she earns it.
supposed to be seeing any better than 20/200.
I am not
I am seeing 20/30.
I know a stockbroker who makes $200,000 or even better

sometimes, every year.
I know a mechanical engineer who is
now living in retirement quite well.
I know a man who earns his
keep by developing businesses and doing everything honestly and

morally.
He makes 175,000 annually, or better.
I have a close
friend who is an expert at hardware, software, writing programs

and solving workers computer problems.
better.
He earns 84000, or
My urologist saved me from intense agony and fixed me
up. I am no longer in pain and no longer have to run to the rest

room every 15 minutes.
He does better than 300,000 every year.
These hard working, honest souls EARN WHAT THEY MAKE.

THEY EARN THEIR KEEP HONESTLY AND MORALLY.
They didn't
make their wealth by CONNING INNOCENT SOULS; PREYING ON

INNOCENT SOULS;
SEARCHING OUT GULLIBLE SOULS!!
THAT'S
WHAT A.L.WILLIAMS AND HIS CRONIES CONCEIVED IN THEIR

HEARTS WHEN THEY STARTED THIS VEGAS MAFIA TYPE
CONFIDENCE MAN SCHEME!
It is THE VILEST INSULT to base the amount of funds that you will
make based upon how well you can deceive others!!!
But that is
precisely what con America and many other "multi-marketing"

firms are!
I charge my clients based upon how much I have to
use my brain;
a fair solution -- based upon my knowledge,
experience and how hard I work.
I NEVER get paid;
NEVER
WILL GET PAID; NEVER WILL ACCEPT PAY EVER based upon how
well I lie to others!
That will never happen.
this CRIME when I was young.
Never again.
I was deceived by
At any company
that is not a pyramid fraud, you are paid BASED upon the
aforementioned.
In the con America PYRAMID and any other
PYRAMID, you are paid { or PIRATED! } based upon what you can
"recruit, recruit, recruit" and willingness to stay in the captive
{ slave -Rocky } market!
If you start your own firm, YOU LOSE
YOUR CAPTIVE DOWN-LINE!
The con men { they surely were
NOT teachers in the true sense of the word! } started this boiler
room extortion 38 or 39 years ago.
is off of your down-line AND YOU!
They make the money and it

a.l. williams and his so-called
"teachers" PARTNERS IN CRIME and wiell and the other souls of

questionable repute who bought from him and called the fraud
"primerica" get the money.
buddies make the money.
THEY and their robber baron

You will NOT make any money in this
extortionist, abominable, mafia type scheme.
No matter how
hard I worked, I made no money in this heinous pyramid boiler

room mirage.
money.
No matter how hard you work, you will NOT make
Half the world has been approached 5, 10, 15 times and
upwards numbers of times by those forced into conning and

attempting to con the public.
You cannot make money in this
hellhole, any more than you would have had a chance making
money in wamway since the middle 1960s.
You DO NOT get paid based upon how hard you work in this
sinsick mind pyramid fraudulent, immoral mindset!!!
young; I listened to bonnie floorman's LIES.
time;
I was
I worked all of the
that is what you do when you sell life insurance.
work 110 to 125 hours a week.

even speak of.
You can
You still will make no money to
You can easily go upwards of a year without
making one sale.
Who would want to do that?
Did J. Paul
Getty, Rockefeller's great-great-grandfather, Ronald Reagan, J.

Pierpont Morgan, Henry Morgan, Donald Trump, senior, Donald
Trump, junior, Henry Ford, Ray Kroc, Sam Walton waste time
pouring their brains and their talents down a bottomless rat hole?
Of course not!
time.
You do make a fortune in this world by wasting
You do not make big money selling life insurance, or any
thing else, for that matter, unless you are a talentless pothead or
drunkard and sing incomprehensible lyrics that other drunkards,
fornicators and potheads buy.
INVENTION or INVESTMENT.
You make big money by

In other words, you do good for
your family AND for future generations by INNOVATION, NOT by

hatching up con man, crackpot, bathroom schemes designed to
CHEAT humanity and retard progress!
THAT will not help and
will eventually get you murdered or tossed in to prison.
You do
not get away with cheating humans, lying to humans, conning

humans, tricking humans.
mark my words.
You do not get away with it for long,
To make money based upon how rabbit's foot
you sneak and scheme to deceive, mislead, cheat and con makes
a man who would do that scumslime no better than a mafioso
thug.
Carolina.
There's a ninety-nine percent loss ratemeaning the

money. You'd have a better chance betting your life savings on a
multi-level marketing home business." {Oooch!!!! That hurts!!!!!}
PIRATE VS. AMERICA MILICO CITIGROUP A.L. WILLIAMS MAKE
RESTITUTION!
PRIMERICA PYRAMID BOILER ROOM SOON TO BE
DUMPED BY CITIGROUP.
policy!
WHAT!!
CUCKOO!!
a.l. williams RVPs wanted me to buy a
AND PRIOR TO I MAKING ANY COMMISSIONS???
CLUC, CLUC, CLUK! CUCKOO!
When I go to work
for a company, I get their product for free or at employee discount

rates, especially when I become a REGIONAL VICE PRESIDENT OR
A SENIOR VICE PRESIDENT.
Do you comprehend???
other company.
KAPISH?
USTED COMPRENDES?
You say Primerica is the same as any
Then why am I a customer?!
independent contractor;
give me something.
if you want loyalty;
And that's not all.
couldn't sell on the first visit.
If I'm an
you are going to
Your company said I
a.l. williams gave orders and had
control as to how the work was to be carried out.

an employee.
Hence, I was
Where's my workers compensation coverage,
health insurance, extra social security in my account, vacation

pay, sick leave pay, severance pay, ESOP, et cetera^?
How much
was the stock bought for/share when the two corporations that
merged to be called Primerica bought aL williams?
What's the
big deal if a potential customer asks if I have a policy myself?

You are going to give me a policy.
have a policy.
You gave it to me.
make me BUY a policy.
I'm an employee.
Of course I
If you don't, you are trying to
You know you are nothing by a lying con
man, lowdown, double crossing, slick tongued unscrupulous

huckster.
policy for free.
Buy an overpriced policy to help National Sales
Directors and Senior National Sales Directors?

What dishonesty!
What deception!
DISHONEST SLEAZE PULLED OFF, AND, TO
DATE, GOTTEN AWAY WITH BY CON AMERICA SHYSTERS.

THIS VERY INFORMATIVE EXPOSE HAS BEEN TAKEN DOWN BY
CON AMERICA DEFENDERS:
http://www.sec.gov/cgi-bin/txt-srch-
sec?
If you just do a goggle or Yahoo search on PRIMERICA FRAUD
an agent with AL Williams told me that many reps are pastors.

Now facebook, instagram, et cetera^ recruits, recruits.
It's easy
to believe you need "supplemental income" when you are NOT

trusting the LORD for your support - consult the Rock.
The
average commissions for a Primerica agent is 200 and the average
commission BECOMES A NEGATIVE as only 0.25% of the RVPs,

RVPs and SRVPs make 7 figure commissions and overrides { and
possible kickbacks from chargebacks on their reps!!}. If it's not
multi-level marketing, why do 98.5% {1500% more realistically;
see above} or more of the reps who try pyramiding wind up with a
DEFICIT after you figure expenses for the program?!
Would you
continue working for a corporation wherewith you had to pay fees

and month after month after month earned no money and was not
paid anything??!!?
Any company that pays only sales
commissions without binding promises of base pay, profit sharing,

preferred stock, stock, warrants - some future reward for work
performed - is a slave master.
day's work.
Be up front.
An honest day's pay for an honest
Sam Walton was, Ray Kroc was.
elder Rockefeller { in the 1800s ~ NOT NOW!! }
The
Donald Trump,
senior; Donald Trump, junior; Bill Gates was - more or less.

asked the workers to accept shares of stock.
want his promises could walk away.
He
Those who did not
con America pressures you
to stay with threats of no refund of your $199 (or more) and the
usury regarding the loans.
SAM WALTON, Ray Kroc, Bill Gates
backed up their promises. He did not puck out fairy tales of

riches.
He backed his promises up. That's what a.l. williams
needed to do and did not.

do and has not, to date.
That's what crime to America needs to

One wonders why ripoff report would
stoop so low to defend something that they know is immoral,

illegal and a nefarious pyramid scheme, not to mention all the
documentation that is still on ripoff report.
Ripoff report won't
publish any more exposes, but the documentation is still there

despite what Ripoff report sticks into virtually every single
title in crime to America, Citigroup, Milico.
Not a pyramid?
Then CEASE STOP CEASE STOP telling the reps to "recruit,

recruit, recruit"!!
AND THAT IS NOT ALL!
NO C CORPORATION,
S CORPORATION, PARTNERSHIP, LLC OR SOLE PROPRIETOR

SHIP IS SHAPED AS OR LIKE A PYRAMID, AS FRAUD VS. AMERICA
AND THE WORLD IGNORANTLY AND/OR DECEITFULLY SAY.
ONLY EXPLANATION FOR SUCH IDIOTIC TWADDLE IS:
Why
Johnny Can't Read, Why Johnny Can't Write, Beginning a
THE
business for Dummies, and other informative books.
You would
have to be coach potato, on video games, dope, PCP and rock

noise to make such a pitifully and pathetic ignorant statement as
that!!!
Here's a picture of a typical business, small business,
small "C" or "S" corporation.
You already know it, unless you
believe in sorcery, sodomite rights, "new age", evilution, global

warming, too many people, too few trees, take the Bible out of the
schools and allow child molesting, clapped up sodomites to teach
and babysit your children and all the rest of the stinking rot:
Isaiah 5:20-23, Romans One, Revelation 14:9-11, et cetera^ :
www.chick.com
AND lies the press tells you every single minute!!
Proprietor
|
2-500
Laborers who see the inefficiency in the plant/office and
know what's going on.

Secretary
Courier-Errand boy
Guy who reports directly to me, cracks the whip on those I cannot
supervise directly
Engineering
Advertising Executive
( you don't absolutely HAVE to have the
chiefs at the top and the Indians at the bottom, like the nitwitt
Primerica apologists always say.
It's a free country. I'm a
taxpayer. I run my business the way I want. It's MY company.

A.L. Williams, Inc, told me I had my own company. I didn't. You
poor souls at conAmerica are finding the same lunatic scenario.
Think outside the box, remember? Duh!! Lot of hypocrites out
there.
Rock.)
Practice what you preach.
Better to listen to consult the
Find the pyramid in my diagram there!
Furthermore, remember
that NO partnership, S or C corporation, tax deferred entity, LLC is

shaped like a pyramid.
If your product is decent, good, works, is
honest and NOT an illegal, immoral, vile, evil pyramid, you are not
going to flood the search engine with LIES defending a FRAUD so
that your upline and NOT you make money.
Hence, what are YOU
afraid of???
Hmmm? The silence is deafening. Every single
souls knows.
Darkness is ALWAYS FEARFUL of TRUTH and
LIGHT.
DARKNESS is always FEARFUL OF ALL TRUTH AND HAS
TO MAINTAIN DECEPTION.
To be demanded by PIRATE VS.
America to pay for a background report made me laugh myself

sick!
A background check cost $5.00, thusly, the srvps KEEP
THE REMAINDER OF THE MONEY THAT WAS TRICKED OUT OF

YOU!!
SOUNDS like the mob to me.
sucker will do!

contractor"!
They want any sucker.
Any
Anybody can get on as an "independent

What's the background investigation for?!
had bought the policy?
Supposedly aL williams is an open book.

brainwashed, you never question anything.
You become so
He never came to see
any sales rep and he never called for meetings.

pay the expenses.
What if I
He can afford to
CON America defenders will cease and
desist now from defending that nefarious pyramid scheme.
And
that's precisely what multi-level marketing is. It is NOT MULTILEVEL MARKETING!!!
IT IS A PYRAMID DARK SURREPTITIOUS
LYING CONFIDENCE MAN SCHEME!!!

mouth is.
Put your money where your
Pay me my 250 million consulting fee of the coming
class action lawsuit, then defend your wicked, pyramid scheme

that had impoverished me and HAS PERMANENTLY IMPOVERISHED
HUNDREDS OF millions of others.
you defended it in China.
You would be put to death if
market America, For U, al pine,
market America, wamway [now sometimes called Quixtar} is NOT

allowed to pyramid in China.
penalty.
If you do, you receive the death
I asked my ex-girl from mainland China whether the law
violators are shot, hanged or placed in to the electric chair.

made a face and stated "Piiish".
a firing squad.
She
For the uninitiated, that means
And now you know it, if you did not know
beforehand.
And I know it.
INFORMATIVE EXPOSE REGARDING
AN SEC INVESTIGATION OF CON AMERICA TAKEN DOWN BY

CRIME VS. AMERICA TAWDRY SHYSTERS!!
text=Primerica&section=Entire+Website&sort=rank
CON AMERICA WILL BE OUT OF BUSINESS SOON!
CEASE THEIR GUARANTEES!!!
MILICO WILL
THEN THERE'S NO WAY CON
AMERICA CAN PAY OUT BENEFITS!
CON AMERICA HAS ALREADY
BEEN PROSECUTED BY THE ATTORNEY GENERAL OF UTAH IN

2007.
The IRS, SEC, FTC, FBI, WILL SOON COMMENCE
INVESTIGATING CON AMERICA AND CON TO AMERICA AND THE

WORLD WILL BE FORCED OUT OF BUSINESS AND THEIR
FOUNDERS IMPRISONED!!
ARE NOT IN CHINA!
THEY SHOULD BE THANKFUL THEY
I ASKED MY FORMER GIRLFRIEND IF THE
GOVERNMENT EXECUTES YOU FOR PYRAMID SCHEMES IN

CHINA.
SHE SAID LOUDLY, "PWAHH!! ".
SQUAD, FOR THE UNENLIGHTENED.
THAT MEANS FIRING
- Rocky
http://twitter.com/Nextaxpro
taken when sins are called by their right names."
-Billy Sunday
How prophetic as serial murdering, child molesting, clapped up,

disease ridden, devil possessed, hate driven, fecal eating, urine
drinking QUEER sin-sick perverts are being called 'gay", "bi",
"transgender", "femdom", "crossdressers", "homos", "lesbians".
And they use trash that are NOT words!
"homophobe".
Ahem!!
I do not fear any man. The fear of man bringeth a snare, but
whoso putteth his trust in the LORD shall be safe - Proverbs 29:25
It is NOT "aids"!
deficiency.
It is SRID: sodomite related immunity
It is WOGS: Wrath of GOD Syndrome.
http://www.wnd.com/index.php?fa=PAGE.view&pageId=80220
A nefarious, surreptitious, abominable, horrific, ugly, leeching,
pyramid, leeching boiler room scheme being called "multi-level
marketing.
It is NOT marketing!!!
It is a shyster, con man,
fraudulent, skimming, blood leeching, lowdown, varmit,

abominable robbing YOU of your hard earned money and credit.
consult the Rock
ALL of the search engines have conAmerica fraud defenders
AHEAD of the exposes of conAmerica.
plights afraid of??
Why?
What are those
WHY have they have compromised their
morals, assuming they have any?
They don't want to lose victims
as they are victims. Hence, they feel that they have to deceive.
It is infinitely better to do the moral and honest thing and get out:
The good Book, the King James 1611 Bible.
yourself.
Cut your losses and get out.
Be able to live with
The sooner you get out,
the sooner you will be able to put your life back together with the
LORD'S Help.
Some of you have expertise and know how
computer engineering works. We can do something about these

pathetic perverts who will toss their morals out the window.
We
can do something about these liars and deceivers, who are taking
many to permanent poverty.
leeching business.
I did.
Just get out of the boiler room,

I'm not any better than anybody else:
Romans 3:23, 1Timothy 1:15.
But when I see anything that is
evil, I'm going to speak out against it, as you should.

the DOL and our congressmen are a disgrace!
about the pyramid schemes.
The FCC,
They do nothing
Write them, e-mail them.
Upwards of 99% of the time, they do not have the elementary

decency to even answer!!!!
They are there to SERVE us.
They
are solely motivated to bleed the public.

In 1979, a judge asked an attorney for wamway if their income
depended upon recruits.
wamway LIED and said "no".
The judge
threw out the case against wamway. It was a fiasco; a total

disgrace.
That judge had no right to practice law.
He had
wamway on the ropes and wiped out, but let the pyramid fraud go!
wamway had been sued by men and women who knew that they
could prove that amway was a pyramid scheme.
They proved it.
The judge let the wamway pyramid go any way!

saying:
"IT'S WHO YOU KNOW, AND..... "
It's the old
We know what is right,
but trained, harvard educated lawyers don't. {!!!}

rabid job of serving satan.
They've done a
They've seared their consciences and
they call evil good and they call good evil: Isaiah 5:20-23,
1Corinthians One, Two, Three, et cetera^.
They do nothing!
Rocky
NOTICE AND ABSORB THE FOLLOWING

PARAGRAPH!!!
herbalife was convicted of pyramiding but
then a judge threw out the conviction!!
Herbalife was
CONVICTED.
Their stock was STILL SELLING on the NYSE.
Symbol: HLF.
Used to be on the nasdaq, symbol hflt.
something to keep in mind!!!!

tell you everything:
con America apologists do not
far, far, from that!
LISTED on the nyse!!!
That's
herbalife is STILL
Herbalife is still trading!!!
https://www.factsaboutherbalife.com/the-facts/the-herbalifepyramid-scheme
http://www.factsaboutherbalife.com
America's stock is selling at between 50 and 60.

very misleading.
Con
But THAT is
There could have been a reverse stock split.
primerica has traded between 20 and 60 over the past 5 years:

http://www.marketwatch.com/investing/stock/PRI
But THAT
doesn't tell you that the SEC and FTC could, at any time, launch
an INVESTIGATION of FRAUD; THE IRS could launch an
INVESTIGATION OF INCOME TAX EVASION and con America stock
could fall to 0.50/share - OR EVEN LOWER - AT ANY TIME.
believe?
Don't
Then you are not familiar with the stock markets.
NEXTAXPRO.WORDPRESS.C
OM
TYPE IN "CON AMERICA"
It takes websites, tapes, DVDs, books, articles and newspapers

which will print exposes to do something.
You all can type
reviews in the yahoo yelp that permit a review of your local
Primerica "services" office that attempted to recruit you and steal

your hard earned money.
Some pages do not.
You all may know
of other websites besides yahoo - yelp that permit.

engines have picked up a few of mine.
the better.
Some search
The more we type online,
-Consult the Rock
AT A MINIMUM, I WOULD HAVE MADE 12 SALES NOT COUNTING

REFERRALS AND THE STANDARD OF LIVING has risen AT LEAST
eightfold, not counting real estate and obamacare:
21600
COMMISSION ON 12 SALES ANNUAL RENEWALS { YES,

A.L.WILLIAMS CONS YOU AND KEEPS THE RENEWALS!!
ALL
OTHER DEATH INSURANCE AND DEATH INSURANCE- MUTUAL

FUND COMPANIES GIVE THEIR INDEPENDENT AGENTS
RENEWALS.
35 YEARS*
1,620,000
IF ONLY RECEIVED 75.00/RENEWAL: 19,440,000

IF RECEIVED 24 SALES FOR THE FUTURE AND HALF REFERRALS:
233,280,000
IF THOSE SALES HAD ONLY 12 REFERRALS: 33,592,320,000
THIRTY THREE BILLION.
BILLION DOLLARS.
SO YOU SEE HOW
QUICKLY A PYRAMID SCHEME AND THEIR PROMISES ARE

UNTENABLE AND CANNOT, REPEAT,
CANNOT WORK!
OWED ME BY A.L. WILLIAMS FOR MY TIME 90 HOURS/WEEK FOR

30 AT ONLY 25/HOUR: 67570
MY RETIREMENT: 30,000/MONTH
DONT THINK CON AMERICA IS RIPPING YOU OFF?
SO YOU SEE THAT A PYRAMID SCHEME AS CON AMERICA SO
OBVIOUSLY IS CANNOT WORK!!!
IN ADDITION TO THAT, Con
AMERICA COMMITS CHARGEBACKS!!!
WHAT!! THEY TELL ALL
THAT A SALES REPRESENTATIVE FOR primerica MAKES TONS

AND TONS OF MONEY AND SO WILL YOUR DOWN-LINE!!!
CHARGEBACKS?!?!
WHY
AND con AMERICA PAYS YOU ZERO, ZERO,
ZERO REWARDS AND ZERO FOR YOUR TIME!!!
Now, crime
against America is actually loaning to their sales reps!
If con
America cancels the debt, do those reps receive a 1099-C??

AND, GET THIS!
Con AMERICA,
a.l. williams, bonnie floorman
NEVER, EVER TELL YOU THAT, IN ANY INDEPENDENT OPERATION,

YOU RECEIVE A FAIR EVALUATION FOR THE CONTRIBUTION THAT
YOU MADE TO THE COMPANY WELFARE AND BUSINESS GROWTH!
THEY NEVER TELL YOU THAT!!
THEY ARE LIKE ATTORNEYS:
THEY CONCEAL, DEFRAUD AND RAPE YOU AND STEAL YOUR

BUSINESS AND KNOCK YOU OFF OF YOUR FEET!
recover.
Some never
This was not told to the franchisees of Southland
Corporation, either.
Southland, Inc, was the former owner of 7-
Eleven food chain convenience stores.

AND, VERY OBVIOUSLY, THEY DO NOT ASK:
DEATH INSURANCE AT ALL?
SHOULD YOU BUY
IT IS NOT "life insurance!
Call it
what it is: fire insurance, theft insurance, valuables insurance,

sick insurance, death insurance, accidental insurance, flood
insurance, required by department of motor vehicles abominable
moneys for the State insurance, et cetera^.
23
Moreover as for me, God forbid that I should sin against the
LORD in ceasing to pray for you: but I will teach you the good and
the right way:
24 Only fear the LORD, and serve him in truth with
all your heart: for consider how great things he hath done for you.
1SAMUEL 12:23-24:
WON'T!
THE WORLD WONT.
conAMERICA IS THE WORLD!!
con AMERICA
DECEIVING YOU,
DEFRAUDING YOU, LYING TO YOU, STEALING FROM YOU!!!!
HORRIFYING!!
POLICYHOLDERS NOT
GETTING THEIR INHERITANCES

BECAUSE OF con AMERICA
ABOMINATIONS!!
AGENT SEDUCES
HUSBAND!! UNBELIEVABLE!!
- Rocky
https://primerica.pissedconsumer.com/primericaagent-goal-was-to-seduce-husband20080510120459.html
THIRD IN my TABLE OF CONTENTS:

WHAT OTHERS HAVE TO SAY.
HAVE INSERTED WHEN THERE ARE

ERRORS AND HELPFUL TIPS FROM
MY EXPERIENCES AND, WHAT I
HAVE LEARNED OVER THE YEARS.
THINK con AMERICA AGENTS KNOW WHAT THEY ARE IN TO?
sequenceinc.com/fraudfiles/2008/04/the-pyramid-scheme-aspectof-primerica-financial-services
https://nextaxpro.wordpress.com/category/must-readexposes/primerica-con-america
This entire post may be worthy of you printing out, laying the post
side by side and examining.
It consists of PFS Truth, and then a
very weak and very poor rebuttal by a crime against America

apologist, then PFS truth blows the apologist to smithereens:
complaintsboard.com/complaints/pfs-life-mortgage-atlantageorgia-c104031.html
https://www.consumeraffairs.com/employment/primerica.html?
page=4
I think it's stupid how you have to pay 99$ for a credit check and
leave out the tiny detail that each month they will deduct 25$
from your credit card!!!! I told my upline what that was about and
acted like she didn't know how it happened, said their system is
dumb and that she had to make a phone call... I would've been ok
if they were upfront about the fees, but to just take it without
permission... How sneaky of them.
Just should've been honest.
When Primerica (wife of the agent) had me signed my policy in

1995, she did not disclose that at the end of 20 years, premium
would increase & have no cash value. I was not informed that at
the end of 20 years, premium would go up to more than 200% per
month (from $79.85 to $218 for one policy, thereby increasing
every ten years). Had the agent been honest and disclosed the
truth, I would have cancelled it right away. She never explained
nor gave me an idea about term or whole life insurance. Agent
was not honest in disclosing the truth.
She took advantage of
my ignorance. Obviously, agent misled me as she was only after

her commission. She never called again to follow up.
This is a
total rip off. I have paid a total of $30,436.91 for two policies. For
your information, I cancelled both as I can't afford to continue
paying the outrageous premiums. I live on a fixed income.
would appreciate if Primerica would return my money for being

dishonest and misleading to customers. I need your expertise and
help. Thank you and God bless!
I will never go there again.
Found out my friend gets $25 for
every person she brings to a meeting.
They booted us in a
separate room and got the whole speech.
It's a total pyramid
scheme. They sign you up and three more friends of yours to

work under you.
Then I step outside to get fresh air.
I see the
three top people high giving each other saying, (got another one).
Most uncomfortable experience ever.
Now I want you to take a hard look at the truth.

You ARE selling a scam.
You may not know it, and I believe that
most of you don't. The unfortunate thing is once I tell you this
you will NEVER get that $100,000 Ring that you covet because the
most of the people that join Primerica are good people that think
they are doing the right thing and for the most part you are, but to
get that Ring after knowing the information I am about to share
with you, you will have to become a different person, one that is
more about making money rather then helping people. Once I

found out this info, I refused to continue to sell that scam
anymore and turned away from all the money I was making.
{Y} your client is declined by Primerica.
deserve life insurance {,} then.
Tell them they dont
You see this is what opened my
eyes up, because my father was turned down by Primerica. Was I

suppose{d} to tell him Oh, well .. too bad. No, I did what any
good son would do,{ sic: ; or .}
I started looking at other
companies and found he could be covered with term insurance by

them, for less then what Primerica was going to charge.
4. Term is the right product for 95% of people (sorry not 100%),
{ Sorry! Wrong!
You dont buy a savings account when you
buy fire, theft, auto, travel, health insurance.
Whole life, mutual
life same garbage is overpriced by 2.5 to 30 times!
Even
more, when you consider that, in some policies, NO CASH BUILDS

FOR 12-18 YEARS!!!
- consult the ROCK }
So it's hundreds of times more expensive!!

{T}the problem is you only sell Term which is great but what do
you do when you run across a person that is in the Top 5% Also
think about it arent you trying to get all your clients and
yourself to that Top 5% what do you get when you are there?
{I
am very sure con America goes against their word and sells some
whole life.
In any event, very nearly all of their term packages
are overpriced.
5.
-consult the Rock}
You are taught with your mortgages to say Interest Rates do
not matter or Ours are calculated differently If it doesnt

matter then why not give them a competitive one.{?}
I also dare
you to put that in writing,{sic: period - consult the Rock }

Home Office Compliance would be down your throat quick { SIC:
will be put down your throat quickly -
Rocky }
because they
know it is not true so they dont want it in writing.

6. With your investments.... the market is down right now am I
suppose to sink money in an investment I know is going to go

down right away . Thats right{;} Primerica has annuities now
even though just a couple of years ago annuities were evil.
{ ark ark ark ark ark - Rocky }
7.
A clients money is sacred to them why would they sink it
into a company with so much negative press, it scares them .

Why do it . When they can get the same thing for less with less
negative remarks. For all the agents who say that is just some
agents that act like that . They represent YOUR company and
because the RVPs dont care what type of people they are as long
as they have $199 (now $99)
{if 99 now, not for long.
Plus,
remember, crime against America pays for nothing, reimburses

you for nothing, steals from your bank account $28.85/month [ or
more - Rocky } whether you have the money in your checking or
savings or not!!!
pyramid isn't?
A very, very sneaky, unscrupulous outfit.

-consult the Rock}
What
so the RVP can win the next
contest. But {m}Most of you arent in Primerica because of the

products, { sic: ; - Rocky } you are in it for the business. Because
you think there is nothing is better then owning your Primerica
business.
It is definitely better then {sic} Corporate America{;}
that is for sure.
{ Sorry: wrong.
Here, you are wrong.
corporations, there is at least a scintilla of legality.
In large
There is
TOTAL ILLEGALITY AND TOTAL IMMORALTIY IN A PYRAMID:
ROCKY } Here is where I look at you like teenage kids with your
first beat up car speeding around town like you own a brand new
Mercedes and I tell you to slow down and think .. you will either
listen or will crash and I will say I told you so
M
SECOND NUMBERED GROUP in this essay:
How many of you TRULY read and understood your IBA

{ independent business arrangement } contract when you signed
it? Let me go over some things before I enlighten about your IBA
contract:
1.
How can you tell a new recruit that you can make a lot of
money before you actually do it.{?}
Doesnt that feel wrong to
you?
2. The money you are spending for your IBA DOES NOT pay for
your license
{ !!!!!!!!!!!!!!! more fees than ever now, AND, THEY
STEAL FROM YOUR BANK ACCOUNT AT LEAST 28.95 WITHOUT

TELLING YOU!!!
You must cancel your debit and credit cards and
order new cards: - consult the Rock } it pays for processing and
your Licensing class . Most states dont require a class{.}
{ W }
why does everyone have to pay for it. {Sic: ? }

3. Why cant a new recruit go get your licenses BEFORE you sign
your IBA?
4. Why cant new recruit{s} go see clients AFTER {BEFORE} you
are fully licensed and then sign ALL transactions {ONCE YOU
BECOME LICENSED}?
I know why this is the case . Most
agents are not making money so they need to sign it to make

money and they are afraid the recruit will quit.
5. Why beat around the bush when saying the name Primerica ..
you are taught to say Division of Citigroup . Member of
Citigroup .. Largest Financial Services Distribution Hub ..
PFS .. anything but Primerica it goes back to the bad rep
...and the fear that the new person will Google the name
Primerica{.}
AMEN!!!And that is fact!
your a.l. williams business cards!
They were sure to check
You had to pay.
The rvps and
"office workers" and "pastors" didn't tell you that you just lost if
the RVP does not approve the name you put on when you had the
cards printed!
Rocky
M
6.
People who leave primerica are not quitters or couldnt make
it at primerica people making six figures have left Primerica for

better opportunities you just dont know they exist. { Ark ark
ark ark ark ark ark ark ark ark.
More often, it is because of lazy,
irresponsible rvps and srvps who are reprehensible and won't

obtain a real job and earn their keep!
- consult the Rock}
7. You would NEVER be able to recruit a person who is already

licensed and knows what questions to ask. {This would be so
hilarious but for the sad reality that there are so many, many
victims of criminal, diabolical, disreputable pyramid schemes.
-consult the Rock}
8.
Citigroup (not in the best financial shape right now and has
{omit "has"} Abu Dhabi is now the largest shareholder) { sic: who }
is looking to sell primerica . FACT check out the Wall Street
Journal March 28th 2008 Section C Citigroup has a major retail
presence in just a handful of major cities, including New York,
Miami, Chicago and San Francisco. Primerica Financial Services,
which sells life insurance and mutual-fund products, is up for sale
but isn't attracting buyers, say people familiar with the matter.
{The primerica charlatan dunce who "rebutted" didn't even know.
I mean, HE DOES NOT EVEN KNOW that he is about to lose his
policyholders, contests, AND leads. Pitiful.
captive agents own nothing.
You primerica
IT'S PROVEN IN POINT NUMBER 4
and 14 BELOW. - consult the Rock }

THE THIRD NUMBERED GROUP OF LISTED

NUMBERS IN THIS ESSAY:
Now on to the IBA. The moment you sign your IBA
{ INDEPENDENT BUSINESS ARRANGEMENT - Rocky } these things
happen:
1. You become a captive agent { HORRIFYING!!!
bonnie
floorman didn't inform me of an awful lot of things! } .. not

allowed to sell anything Primerica does not offer . Hand cuffing
you to fully help your client.
2. You only have one company to work with {-} Citigroup why
not allow you to use any company you want . There are
companies that do. {Si`! It's called independent agents!}
3. You have to give up a leg (your MOST productive team) to
become an RVP . Why not let them become an RVP AND keep
their whole team .. Other companies do it
4. Hear me when I say this!!!! YOU DO NOT OWN YOUR
BUSINESS!!!!! Dont believe me ask your RVP {the following:} if
you move to a different company can you take your clients or team
with you{?} .. you will find out real{ly} quick{ly} read your IBA
it says it in your IBA .. your RVP owns your business you do not
own your business until you are a Senior Vice President AND have
had 5 years of at least 3% growth {funny how Bonnie Gore the
man forgot all about that} . Until then your RVP owns your
business even after you become an RVP there are other
companies that allow you to take your clients with you.
5. I will preface this comment . I am a huge believer in
recruiting .. I love recruiting and I am good at it . BUT you
should not have to be forced to recruit to be promoted you
should have the choice to work yourself or recruit and have the
same opportunity America is about choice.
6. Your Securities (investment) commission is HORRIBLE.. there
is NO WAY you could live on it alone .. add it up.
7.
You{r} IBA has a non-compete clause in it . Which means try
to leave for something better see how nasty your old friends
get.
{O ho ho ho h o ho h o ho ho ! He he he he he he he he he
he he he. Chuk chuk chuk chuk chuk chuk chuk! }

8. You have to be full time to become RVP . Do you forget some
people like their job pastors, teachers (I know the company was
started by teachers but you fail to realize A.L. Williams was a
different company then {sic: than} Primerica) or anyone else that
would like to keep their job. {it was like that at a.l. williams. At
least in most districts -consult the Rock}
9.
As an RVP you are required to get an office again I like
having an office but some people do not want the overhead why
make them pay it?
{Why can't con America pay? They say they
have so much money. Why say you are a private firm that doesn't
need to issue stock, then talk out of both sides of your mouth and
say "we are a part of Citigroup, a world renowned large
corporation"?
10. You can be Rolled Back which means lose the promotions
that you have received and the commission levels at your RVPs
discretion . Not enough production, illness, or because your RVP
wants to teach you a lesson.
RVP?
How do you like aspiring to be a
You know you are going to shaft your downline. And you
stay with such an evil boiler room.
You ought to be ashamed of
yourself! You ought to be exposing con America 19 hours a day.

- consult the Rock }
11. Some people do not like the risk of the market . You can not
sell a fixed / index annuities . Most of you dont know what that
is dont worry I didnt either when I was there trust me your
hurting some of your clients by not having access to it.
12. What happens when you have a recruit at your same
commission level you 2 are at the same level you get no
override . Doesnt that make you want to keep people below you
{here means from moving up -consult the Rock} not push them
up..Some companies will still reward you even when you are at
the same level
13.
A brand new person starts at 25% . They can do all the
work (and you know as well as I do getting a warm referral is

most the work so dont tell me because you did a flip chart
presentation you did most the work) and they only get 25% .. the
RVP get 95% . So the RVP get 70% of something they may not
have been there for.. doesnt sound fair I thought Primerica
did what was right 100% of the time"
14 Lets say primerica goes bankrupt.
NOT an unlikely scenario:
HUGE conglomerates and corporations such as Texaco, MF Global,

american airlines { sodomite }, GM, WAMU, CIT, Eastern Airlines
{ in 1991}, enron, Chrysler, Grants { in 1975}, Southland Corp
{ good riddance: they got mixed up with the mob: 1990}, Pacific
Gas & Electric { had 36 billion in assets }, Lehman Brothers,
Vlasic Foods {2001}, Spiegel, Global Crossing, Adelphia,
Gadzooks {2004}, worldcom { mci }, Tyco, U.S. Airways {2004},
Conseco, Resorts International {good riddance: in 2004}, Delta {in
2005}, Delfi, Northwest Air { in 2005}, Delphi {2005}, Topflite Golf,
Refco, IndyMac Bancorp, SemGroup, Washington Mutual, Tribune
Group, General Growth Properties, Burt Reynolds, Samuels
Jewelers, TWA {1995 & in 2000}, American Banknote { in 1999},
United Artists, Archdiocese of Portland{ catholic church is the
world's largest conglomerate, therefore, this is a phoney; a
dummy corporation! Declared bankruptcy in 2004}, Kim Basinger,
U.S. wireless corporation, Silicon Graphics { 2006 }, Purina Mills {
in 1999}, Bethlehem Steel { in 2001}, Larry King, tlc rock { good
riddance in 1995}, Schwinn GT, Dionne Warwick, motor city five
{ good riddance 1970}, Singer {1999}, Dow Corning { in 1995},
AFTRA { in 1982}, Polaroid { in 2001}, hispanic television,
american online latin america { in 2005}, Warren Sapp, death row
records { apropo? 2006}, Toysmart {2000}, Frederick's of
hollywood {2000}, Regal Cinemas {2001}, Ulysses S. Grant, WinnDixie { in 2005},Toni Braxton { twice }, Aladdin Gaming LLC, Farm
Fresh, Debbie Reynolds Hotel and Casino, Atkins Nutritionals
{2005}, Sunbeam { in 2001}, Mickey Rooney, Burlington
Industries{ 2001}, Sinbad { appropo?}, eToys {2001}, Marvin Lee
Aday, KMart { in 2002}, ABB Lummus Global {2006}, M.C. Hammer,
Ameridebt [2004}, Zenith Electronics [ in 1999}, Fruit of the Loom
{1999}, Smith Corona {1995}, Drug Emporium {2001, 2003}, Planet
Hollywood {good riddance: 1999 and, again in 2001}, Maidenform

{ in 1997}, Continental Airlines { 1967 & 1984}, Payless Cashways
{1997, 2001}, Montgomery Ward { in 1994 and 1997}, Swissair { in
2001}, Marvel Entertainment group {1996}, Western Union {1993},
Owens Corning {2000}, Pan Am {1998}, G.Heileman Brewing { good
riddance in ?}, Carolco Pictures {1995}, Dairy Martg {2001} consult the Rock}
And read the Wall Street Journal article I
reference above) .. your contract and license is with primerica

what do you then? because I already explained to you YOU
DONT OWN IT {!}
15. Do you like paying for POL, Call Atlanta, marketing material,
leadership school, and training (hype sessions) . Most
companies give that stuff out free{.}
16.
DO YOU LIKE CHARGEBACKS?????!!!!! . Come on {, SIC} of
all things I know you are tired of we have to agree on

chargebacks .. for those that dont know what a chargeback is:
the agent turns in the paperwork to Primerica and is immediately
paid . But the policy is not issued which means if the client
changes their mind, finds something cheaper, does not qualify,
drags their feet on blood work, stops paying or for any reason
does not get or continue the policy . Primerica wants their
money back .. which means they take it out of the next check or
the next one or the next one which means you are running up an
escalator and YOU KNOW IT . Sorry to give out the dirty little
secret but you can not say you like the CHARGEBACK . Again not
all companies get those and NO company gives them out as much
as Primerica{.}
17.
Most people become disable{d} before they die . You cant
sell disability insurance or you will be fired hurting your clients

again {.}
18.
What about health insurance again .. try to sell it and you
will be fired (by the way does it make sense that you can be
fired from your own business?)
HE H EH EHE ARK ARK ARK!
{ HA HA HA HA HA HA HA HE HE
Funnysick: no laughing matter I
know.
rvp's are FORCED to keep all of this from you.
They are
FORCED by con America to pay rent in some office building when

one should be able to sell out of your suitcase, just as any
insurance agent is able and is allowed. - ROCKY}
19.
Critical care . What if you client gets cancer or do have
insurance for that . Nope . Fired Again By the way before

you say it . Most life insurance has accelerated death benefit .
So Primerica not special with that.
20. Make sure you check with Primerica before you do
ANYTHING{.} {I}if they dont like it they can terminate you (read
your IBA) sounds like a JOB to me .. Id rather be
independent the sad part is most dont know you can be .
Listen I wrote this for the person I was before I left Primerica
hopefully that person is reading this and just starting to open your
eyes a little bit and ask some questions that they didnt have
before. I dont hate Primerica I dont hate the people in
Primerica but you dont know everything about the company ..
and I can almost guarantee you didnt read or understand the IBA
you signed. And if you dont open your eyes and figure it out .
You are going to hurt some people and your {sic } going to hurt
your family. Think about it dont try to argue with it{,} just read
it and find out if everything I said is true . Dont believe me
READ YOUR IBA.
I was you before I found out all of this stuff.
The question is Once an honest person knows the truth, he/she

has 2 choices, continue to be honest and change their current
course of action or cease to be an honest person.
I will gladly
talk to you here about it and answer any comments, questions or

disagreements you have.
9. Written by John Garvin, on 07-04-2008

19:08: Last week, the Department of
Ins. for the state of Utah raided the
Primerica offices in Salt Lake. The RVP

admittied {sic} to investigators that he
had committed a fraud.
Written by vtch786 aka PFS Truth, on 08-08-2008 15:04 LTM4661:
Another essay: cannot find the website any longer.
I will label it:
FOURTH NUMBERED GROUP IN THIS ESSAY:

1st - Please use your own name not my username {.}
{ con
America apologist counterfeiting and fraudulently pretending to

be the critic - Rocky }
2nd - You have been lied to if you were told you can get promoted
without selling anything. {poor Primerica recruits will believe
anything. This is really pitiful. -consult the Rock} You have to do
$10,000 in life insurance premiums 2 months in a row AND have 6
districts to get promoted to RVP. By the way you don't give away
the life insurance policies, you or your team has to SELL it. After
being told you don't have to sell anything to be promoted by
another up standing Primerica agent and now finding out the
truth, you are a sucker if you sign that IBA. How many times do I
have to say this, I was at Primerica for 3 years, LTM4661 or any
other new person, what makes you think you are going to say
something that I dont already know. I am trying to warn you
before you sign the IBA.
3rd When you recruit somebody do they give those away free
too? NO, you sell them an IBA contract for ($99 down and $25 a
month) {yiiiiiiiiii !!!!! OWWW!!!!! YOU PAY TO GET RAPED!!!!!!!!
-consult the Rock}. Wake up! Every promotion is based on sales,
either IBAs and/or Life Insurance. You are choosing to ignore
FACTS and if you sign your IBA after this you deserve exactly
what you are going to get.
4th What McDonalds can you buy for $10k? From McDonalds
website: How much does it cost to open a McDonald's franchise?
Total investment: $655,750-$2,225,000

5th - What franchise are you buying at Primerica? Lets use your
analogy: Would you buy a McDonalds then be told you have to
start working for free at the FRY STATION and ADVERTISING at
the same time . and hopefully, one day, maybe you could own
it. Does that make sense?
a{t} Primerica.
Because that is what you are doing
Get this straight{:} it is a Multi Level Marketing
company {sic: pyramid -consult the Rock}.
You have to recruit
to be promoted and you have to sell to get promoted.
You will be
selling OVERPRICED products to your friends and family and

recruiting strangers AT THE MALL, trying to convince them with
the same lies you are believing. Sounds like Amway to me the
only difference is you have to get a state licensed { SIC } first
so you have to wait and make you [r} new upline money first.
{ Yep, confirmed true. -consult the Rock }
Good stuff by: Written by vtch786, aka PFS Truth, as Primerica
apologist stole his name and wrote garbage favoring Primerica!
'nuf said!
on 09-05-2008 10:
EDITED to save space.
ENTITLED:
"PRIMERICA = HOAX. BEWARE!!!!

http://www.pissedconsumer.com/people/vtch786/comments.html
Primerica apologist blown away; his lies exposed:
allow you to work part time AND own and { sic: an - Rocky } ..
and Are you also sure there are NO Financial Firms that will not
let you work in another Financial Field and also work for their
firm? and Are you sure that they "Will require you to drop
several thousand (often in the 6-figures) in franchise fees" before
you open your office? Wow I should really go tell some the

Should I stop selling health insurance and disability insurance
too? Just because Primerica doesn't sell it, doesn't make it noncompliant,{ sic: no it makes - Rocky } primerica Non-Compliant.
{point# } 14. You have only had 1 chargeback your entire career in
Primerica? that would mean every person that you have ever put
an app{lication} in for was always approved, not rated{;}
always
accepted the policy and never looked for a lower rate during the
underwriting period? Since you are paid on submission {sic:
commission} that would be close to impossible you want to
change your statement about only 1 chargeback{?}
{point # } 15. How can some {one} who preaches about ethics vs
money then say "Eh, its business" when it comes to Interest
Rate on a Mortgage. I can show a person how to pay of {sic} their
30 year mortgage in 12 to 18 years biweekly without a charge
to do it {HA HA HA HA HA} . With a lower total cost AND give
them the lowest interest rate. Primerica has not cornered the
market on that {ha ha ha ha ha} they are just the only one doing
it AND charging a high interest rate. If you think your clients
don't care about 2 interest rates {SIC:
percentage - Rocky }
points what ethics do you have? "

{All RVPs pay close attention:}
{point #} 17.
As for a new recruit why not do this:
a. New Recruit says I am interested in getting in to Financial

Services.
b. New Recruit pays NOTHING .
c. New Recruit goes to licensing class FREE
d. New Recruit goes on training appointments that I set up in MY
MARKET from the referral I have made from clients I have saved
money for
e. New Recruit Learns even more and still hasn't paid anything.
f. Independent Agent Pays for New Recruit to take the test. ......
{ That's what {sic} done all the time?" {.}
That's why a.l. williams
owes me and why con America owes all their recruits.
I resent
you lying to me, bonnie floorman.

You may have

more to invest. They could have helped you with the refinance
means special. You just didn't shop around, and instead took the
first piece of advice you came acroos {sic: across - Rocky }. Best
of luck!"
4.
"Also how can you not know what it takes to own your

the 3% growth {!!!!!!!!!!!! - consult the Rock}. This is your
business, you know ALL the ins and outs of Primerica and the
Financial Service Field, how can you not get that information
how can I get it and you cant" { ha haaaaaaaaa! O ho ho ho ho
ho ho ho ho A ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha!}
http://primerica.pissedconsumer.com/primerica-2bjob-opportunity3drun-20080204112362.html
Unfortunately, both my sister and I have had a bad experience
with Primerica. My father purchased a paid in full, paid-up policy
with Primerica, where my sister and I were the beneficiaries. My
stepmother provided us with the policy documents after my
father's death. We contacted Primerica within 2 weeks of my
father's death and was told that the benefits were not paid out as
they should, but rather rolled into a policy of our own. What a ripoff. What is the point of paying your hard-earned money for a life
insurance policy for your spouse or children, only to have the life
insurance company attempt to find a loophole to get out of paying
as they should and to find a way to, in the end, keep the monies to
themselves.
The author is very knowledgeable.
author on the website:
Cannot find the name of the
"A thorough response to "Termites" has
been prepared as early as 1988 for a former RVP in the A.L.

Williams organization in a published book called "A.L. Williams:
Cult or Crudade? {sic - ROCKY}"
The questions asked there are
relevant {sic} to today's PFAs and are the questions that should be
asked when one is being coerced to replace their cash value
policy or is being recruited to join Primerica, a company that is
known for its agents unscrupulous and deceptive practices.
"1. { sic:
no quotation mark here:
Place in front of the sentence
- Rock } Do you want to buy insurance from a company which

guarantees that the insurance you buy this year could cost you
$106,000 { OR INFINITY - ROCKY } more by age 65...?"
openly admit to lying and distortion to sell its programs?"
state it is more important for them to get the business and
biggest earnings than how they got them?"
4. "Do you want to join a company which offers a dream, a job
opportunity and an "own your own business " pitch which is really
a [MLM] sales gimmick?"
5. "Would you want to join a company which offers financial
independence and yet will not guarantee any earnings,
compensation plans or employee benefits?"
6. "Do you want to go to work for a company which encourages
you to build your own business, but it requires you to sign 73
pages of contracts which give the company the right to take your
business, to terminate you without cause, and to confiscate your
past business earnings? "
7. "Would you like to invest your family's business future
contracting with a company which forces you to sign a contract
which allows only the company to change the terms of the
contract at any time without justification?"
8. "Do you want to trust your professional future to a company
whose contract states your "...appointees (business) and rights to
commissions and override commissions (earnings) do not
constitute property of the RVP (you) for any purpose nor shall
such rights be subject to inheritance..." and that upon your death
{ a.l. williams - con vs. America -consult the Rock} takes it (your
business) -- if they don't take it before?
9. "Do you want to work for a company { and you are. You are
NOT an independent contractor, which is what the conAmerica rep
told you!
ROCKY HTTP://NEXTAXPRO.WORDPRESS.COM } which
won't let you sue them in a court of law if they violate their
agreement with you or wrong you -- but requires you to go to
Georgia, under Georgia law, when {while} the company reserves
the right to sue or arbitrate?"
These are a few of the questions being asked in 1988, shortly
before Weill bought the company from Williams.
Little has
changed since 1988. If you have read your contract carefully, you
will see that most, if not all of the above statements apply to
today's Primerica. I strongly advise anyone considering Primerica
as a career or as a vehicle to wealth {grinding poverty -consult
the Rock} to find another vehicle.
MY EXPOSE OF CON
AMERICA KNOCKED DOWN BY CON AMERICA FRAUDSTER

SHYSTERS!!!!
www.pissedconsumer.com/consumer-reviews/insurance/formerlya.l.-williams-complaint-%11-insurance-companies2007030539870.html
AT A MINIMUM, I WOULD HAVE MADE 12 SALES NOT COUNTING
REFERRALS AND THE STANDARD OF LIVING has risen AT LEAST
eightfold, not counting real estate and obamacare:
21600
COMMISSION ON 12 SALES ANNUAL RENEWALS { YES,

A.L.WILLIAMS CONS YOU AND KEEPS THE RENEWALS!!
ALL
OTHER DEATH INSURANCE AND DEATH INSURANCE- MUTUAL

FUND COMPANIES GIVE THEIR INDEPENDENT AGENTS
RENEWALS.
35 YEARS*
1,620,000
IF ONLY RECEIVED 75.00/RENEWAL: 19,440,000

IF RECEIVED 24 SALES FOR THE FUTURE AND HALF REFERRALS:
233,280,000
IF THOSE SALES HAD ONLY 12 REFERRALS: 33,592,320,000
THIRTY THREE BILLION.
BILLION DOLLARS.
SO YOU SEE HOW
QUICKLY A PYRAMID SCHEME AND THEIR PROMISES ARE

UNTENABLE AND CANNOT, REPEAT,
CANNOT WORK!
OWED ME BY A.L. WILLIAMS FOR MY TIME 90 HOURS/WEEK FOR

30 AT ONLY 25/HOUR: 67570
MY RETIREMENT: 30,000/MONTH
DONT THINK CON AMERICA IS RIPPING YOU OFF?
SO YOU SEE THAT A PYRAMID SCHEME AS CON AMERICA SO
OBVIOUSLY IS CANNOT WORK!!!
IN ADDITION TO THAT, Con
AMERICA COMMITS CHARGEBACKS!!!
WHAT!! THEY TELL ALL
THAT A SALES REPRESENTATIVE FOR primerica MAKES TONS

AND TONS OF MONEY AND SO WILL YOUR DOWN-LINE!!!
CHARGEBACKS?!?!
WHY
AND con AMERICA PAYS YOU ZERO, ZERO,
ZERO REWARDS AND ZERO FOR YOUR TIME!!!
Now, crime
against America is actually loaning to their sales reps!
If con
America cancels the debt, do those reps receive a 1099-C??

AND, GET THIS!
Con AMERICA,
a.l. williams, bonnie floorman
NEVER, EVER TELL YOU THAT, IN ANY INDEPENDENT OPERATION,

YOU RECEIVE A FAIR EVALUATION FOR THE CONTRIBUTION THAT
YOU MADE TO THE COMPANY WELFARE AND BUSINESS GROWTH!
THEY NEVER TELL YOU THAT!!
THEY ARE LIKE ATTORNEYS:
THEY CONCEAL, DEFRAUD AND RAPE YOU AND STEAL YOUR

BUSINESS AND KNOCK YOU OFF OF YOUR FEET!
recover.
Some never
This was not told to the franchisees of Southland
Corporation, either.
Southland, Inc, was the former owner of 7-
Eleven food chain convenience stores.

AND, VERY OBVIOUSLY, THEY DO NOT ASK:
DEATH INSURANCE AT ALL?
SHOULD YOU BUY
IT IS NOT "life insurance!
Call it
what it is: fire insurance, theft insurance, valuables insurance,

sick insurance, death insurance, accidental insurance, flood
insurance, required by department of motor vehicles abominable
moneys for the State insurance, et cetera^.
23
Moreover as for me, God forbid that I should sin against the
LORD in ceasing to pray for you: but I will teach you the good and
the right way:
24 Only fear the LORD, and serve him in truth with
all your heart: for consider how great things he hath done for you.
1SAMUEL 12:23-24:
WON'T!
THE WORLD WONT.
conAMERICA IS THE WORLD!!
con AMERICA
DECEIVING YOU,
DEFRAUDING YOU, LYING TO YOU, STEALING FROM YOU!!!!

The Pyramid Scheme Aspect of Primerica Financial Services
Check out THE BLOGGER'S WHOLE SERIES on Primerica. Date 26
April 2008
Tags financial mlm, pfs, primerica financial services,
pyramid scheme
Comments 154 Comments
{ NOTE:
http://www.sequenceinc.com/fraudfiles/2008/04/the-pyramidscheme-aspect-of-primerica-financial-services/#comment-166797
HAS CLOSED THEIR BOARD, at least for the time being.
So I got email from one of the managers of Primerica from

Craigslist saying that they are currently hiring to new positions. I
asked the lady about the job, she didn't say anything over the
phone and email. I decided to join the interview and right away I
knew this was scam. The manager asked me do I know about such
company as Primerica, I said "no." They told me I could earn
$4.000 per month by doing part-time. Sounds bs. They were too
pushy on me and wanted me to sign the business application and
pay $99 right away. I refused to do so and they got mad at me.
That's ridiculous!
194 thoughts on The Pyramid Scheme Aspect of Primerica
Financial Services
Deborah
www.sequenceinc.com
I would like to offer a rebuttal to the previous post(s). {
NO posts were posted when she typed this!!!!!
I've run in to this
DEVIL, REPULSIVE, RODENT, MARIJUANA HEAD, OAF,

PATHOLOGICAL LIAR, SERPENT, DRUNKARD, CEMENTHEAD,
HUCKSTER, VARMIT, FOUR FLUSHING LIAR DOG; highest example
of CRAINIAL VACUITY posts elsewhere.
is an INSULT to our intelligence!!
one labels herself "linda".
To call her posts "posts"
There are more apes:
Another
They change their names constantly
to make themselves look like the exposers of con America Rocky } http://800notes.com/Phone.aspx/1-203-651-0018/5
Carolina. Theres a ninety-nine percent loss rate meaning the
money. Youd have a better chance betting your life savings on a
multi-level marketing { in reality a PYRAMID -Rocky } home
business." {Oooch!!!! That hurts!!!!! - Rocky}
http://www.sequenceinc.com/fraudfiles/2008/04/the-pyramidscheme-aspect-of-primerica-financial-services/#comment-181493 :
Standard (:)
I ran across a blog that did a series examining
Primerica Financial Services, a multi-level marketing company

that purports to sell financial products. While the company does
offer life insurance, investments, and other financial products,
like a typical MLM theyre really out there selling the
opportunity. The name of the game is endless recruiting.
The
Financial Blogger did several nice posts about the company, but
this explanation of the pyramid scheme aspect of con America
was exceptional:
the answer is no.
RECRUIT"!!
Is it a pyramidal scheme?
{ BET ME.
In legal terms,
IT IS, IS , IS "RECRUIT, RECRUIT,
AND, NO FREE POLICY EVEN THOUGH YOU WORK
FOR CON AMERICA. -ROCKY }
However, it does not mean that
because it is legal that the company structure is not shape{d} like

a pyramid.
Everybody is making a cut on the people below them;
it goes up to four level {s}.
I think this is clear that the guy on
the top makes the big bucks.
They will answer that every
company is like that as the President and the VPs are in the
driver {sic: add "s" on the end -Rock } seat and the other
employees are left with nothing.
It is right also.
{ WHAT!!!
-CONSULT THE ROCK } However, they do not explain why they are
able to give a commission to four people for the same sale.
The
answer is pretty easy: they have to cut down the commission

compared to the regular industry.
As an example, if a life
insurance of 100K {thousand - Rocky } would provide another

agent with $1,500 in commission, a Primerica advisor at the
lowest level will earn $900 { ha ha ha ha, ha ha ha ha, ha ha ha
ha, ha ha ha ha, ha ha ha ha, ha ha ha ha!
half of that figure!! and 2/3??
No where approaching
I don't think so.
Those who were
fortunate enough to find what the snsd, the nsd, the srvp and the
the rvp were PILFERING IN CONTRAST to what the sales
representative was EARNING may be approximately 80% to 5%.
The difference is the scrapping that the people at the tippity top
of the pyramid poach -consult the Rock }
{ SIC: you forgot the
comma -Rock } then his recruiter will receive $300, the recruiters
recruiter will get $200 and finally the guy who put all of them
together will earn $100.
So for those who are in to sell,
Primerica is definitely not the right place to be.
Yeah, but you
could build a team and create your own business, { sic: period consult the Rock } I guess they forgot that the best sellers on
earth are not necessarily interested in building a team compared
to earning the big bucks right away. The main problem I see with
this approach is that you have to convince individual { sic: add "s"
- Rock } to work hard for less that they could earn only because
they have the option of building a team a earn extra commission
on somebody elses work.
In fact, if everybody concentrates on
recruiting individuals, who will make the sales?
You may have a
hundred people below you, { but }, if nobody sales { SIC: sells Rock }, it still makes 0$ { SIC: no dollars - Rocky } in your pocket.
{ COMMON SENSE.
deborah.
AND I CAN READ -ROCKY }
same old
Offering "rebuttals" to the first one posted AND EVEN
BEFORE a single, solitary post AT TIMES! .

great, why are you so scared???!!
If conAmerica is so
Because you DON'T WANT
THE PUBLIC TO KNOW THAT CON AMERICA IS A BOILER ROOM,

FRAUD, PIRATE PYRAMID SCHEME AND YOU WON'T MAKE ANY
COMMISSIONS!!!
THERE IS GREATER THAN 99.75 CHANCE YOU
WILL NOT ANYWAY!!!
If conAmerica is so great, why not pay me
for my lost time, inflation factor, interest, penalty;

off;
being ripped
not having a protected territory which resulted in numerous
lost sales, et cetera^?
WHY defend the INDEFENSIBLE??!!
My
exposes are well documented and you and all the others only LIE
and defame.
You have no concrete proof so you slander, lie and
attack those who tell the truth.
Furthermore, and this has not
been pointed out, if con America is so great and you make all
these millions and hundreds of millions, why not take over milico
and YOU PAY OUT THE CLAIMS WITHIN 3 HOURS, instead of the
usual 6 weeks, if the claim is paid AT ALL????
When you are approached about an organization that you suspect
might be a pyramid scheme or MLM scam, utilize websites such as
MLM watch or Quackwatch or:
and see what others are saying.
Ask critical questions like Does the money I would be earning

come from the sale of the products/services or from getting
recruits? Would I be required to purchase *pricey* training
materials or company products?
Would I be expected (pressured)
to attend events where an admission fee is charged? If yes, that

could indicate the money is generated by recruiting or those
training materials or workshops, and not from the products and
services. I asked myself these questions prior to making the
decision to join Primerica and I'm {sic} I { sic }
signed up
because my experience has been very positive. con America is in

the business of financial education and debt elimination,
{LIAR!!!!!!
ROCKY
NEXTAXPRO.WORDPRESS.COM }
aimed at
the under-served middle income market { underserved?.
An
individual can make a decent supplementary income, even on a

part-time basis, without recruiting anyone. And the clients are
often in dire need of the products and services we (licensed
agents) are educating them about.
Going with the
aforementioned life insurance example, those commissions are

possible because that is a one-time payment based on the annual
premium of that policy. If a person recruits you into Primerica,
they are instrumental in your training and development, so yes,
they do have a vested interest in your success. { LIE!!!!! THEY
STOLE MY LICENSE, WERE VERY DECEPTIVE, AND, THEY ARE
DOING MORE AND DIFFERENT CONS TO STEAL, YES STEAL, YOUR
CASH!!!! -ROCKY } There is no bonus or pay incentive to sign
people up that wont invest the time and energy it takes to get
licensed/ trained (AND most, if not all, fees associated with
obtaining the license of your state are reimbursable) so the name
of the game is not endless recruiting .If one has an
entrepreneurial mindset and wants to build a team and run an
office that is an option as well.
BEEN EXPLAINED!
{LIAR!
THIS HAS ALREADY
YOU ARE SCARED TO DEATH OF EXPOSES
BECAUSE THAT MEANS YOU GET NO RECRUITS. AND THAT IS

THE NAME OF THIS NEFARIOUS GAME.
IF YOUR BELIEVE THAT,
THEN PAY ME WHAT A.L. WILLIAMS NEVER PAID AND STILL OWES
ME!!!
PUT YOUR GOLD WHERE YOUR UGLY TOILET MOUTH
IS!!!!! }
19May 2008 at 3:06pm
Tracy Coenen Primerica is not in the
business of financial education.
Its in the business of recruiting.
The under-served middle income market is far better off doing

business with a real insurance agency or a real mortgage broker.
The products Primerica sells are overpriced, and their main goal
is recruiting you!
It is next to impossible to make a real living in
MLM schemes like Primerica without recruiting. Why? Because

the full commission youd be paid if you worked for a REAL
insurance agency is instead split among many levels of the {CON Rocky } America pyramid. You make less so the rest of the
pyramid can make more. If you want to sell financial products,
stay away from the MLMs.
You can do much better elsewhere.
19 May 2008 at 3:13 pm Rocky
CON America MILICO
CITIGROUP A.L.WILLIAMS PAY ME WHAT THOU OWEST bonnie

floorman, rvp, a.l. williams, whom I had met previously when she
was marketing Huff Cook, talked to me about a company that
offered a great opportunity through life insurance sales and
asset repositioning. Further, I could work part time and keep my
present employ if I desired.
Enthused, I worked over 100
hours/week; put in time with the company.
Then, within 90 days,
bonnie floorman, rvp, demanded I surrender my Bureau of

Insurance license because I didnt meet quotas!!
THAT IS DECEIT in light of the above.
Its their sin; they cant
demand the license because it is false pretenses.

I worked for it; I studied for it;
THATS RAPE!!
It is a fraud.
I received the license from the
bureau of life insurance-securities ~ NOT CON ARTIST a.l.

williams NOR BONNIE FLOORMAN!
Why should it only be an
SCC license that can only be used to sell a.l. williams

conAmerica products?
It is a fraud; a sham.
I had the same
examination. I had to study just as hard as my competition to

receive my license to sell life insurance.
bonnie floorman, rvp,
said you only have to work part-time and can make a lot of money.
They lied; they smeared other firms that have protected
territories.
One needs a protected territory.
I would have
easily sold 12-24 replacement policies but I was awarded NO

protected territory!!!
And bonnie floorman DEFENDED this
practice by the a.l. williams shyster varmit confidence man.

another rep had already sold.
So
So you can see from the above Im
still waiting for a fair remuneration for what I would have sold and
art williams crime against America can pay me for the time I put
in.
They havent given me anything yet, therefore, there has to
be a penalty for what they did in order to discourage further rapes

of innocent, honest, hard working, taxpayers.
I wasted a total of
7 months going to the meetings, the class, studying and scouring

the supposedly limitless field of every person you meet is a
sale.
In addition, old a.l. williams reps find me every few years.
A quote that I can very well relate to:

name was referred to them.
They are leeches;
They say they are headhunters.
steal your leads;
and attempt to rape you again!!

they consider to be suckers.
still waitng for my money.
I was never told how my

find your family and friends
Theyre just looking for whom

I always have to tell them I am
Not only has a.l. williams not made
restitution; he has made an offer of stock in an effort to take

away the injury done to me.
No remorse, no offer to pay for the
expenses to get my life insurance license back that was stolen

FROM ME! nothing.
a.l. williams-Citigroup- con America lies
and lies and lies and crime vs. America CONTINUES TO LIE to
everyone.
Here is what I found out while I was slaving for a.l.
williams:
$80 fee to go to their seminars!!
us it was a great deal!!
for my meals expense.
WHAT!!!
MORE NOW!
The RVPs told
$130 to stay overnight in a motel.
$15
$60 fee to take my examination.
All the other reputable life insurance companies give
their training for no charge AND they pay for your

accommodations.
And neither bonnie floorman nor ANY of the
rvps nor sales representaives told me this.

williams was a foundation of lies!
The entire a.l.
It IT IS EVEN WORSE WITH
THE PRESENT PIRATE VS. AMERICA!!!
- Gas and wear and tear on my vehicle.
- Gas to go to their "pep
rallies" - Pay me $150,000 IN GOLD for my time for 7 months of

slaving.
Half a years salary is NOT unreasonable.
This amount
is less than a half year salary, and, it is less than that

considering you work all of the time when you are selling life
insurance.
This does NOT include the renewals which a sales
representative receives with all OTHER life insurance companies

AND should have been receiving with a.l. williams - con America
the entire framework.
Be sure your sin will find you out.
ARE PROVEN DISHONEST AND FRAUDS AND ROBBERS!
THEY
If one
includes what I would have sold and WOULD STILL BE SELLING

HAD I HAD A PROTECTED TERRITORY, THE RENEWALS A.L.
WILLIAMS - CON AMERICA OWE ME GO IN TO THE IONOSPHERE!!!
I started finding insurance policies that were cheaper!
was the first one.
a.l. Williams, bonnie floorman, rvps told me I
was selling the cheapest!

that.
CMA
Really began to be disturbed over
One of the reasons bonnie floorman was able to talk me in
to the business was the fact that a.l. williams policies were the
cheapest and the riders made them cheaper yet.
No reimbursement for my travel expenses.
a.l. williams has
still REIMBURSED ME NOTHING for these expenses!!
Now I have
learned it is even worse insofar as fees assessed by con America.

AND, dreamed up new charges by pirate vs. America that con
America sales representatives must pay.
A sales rep is a rag that they can throw out!
More regarding
this fact is below. Please study this website.
They tell you you
are going to be wallowing in moola!
The RVPs dont help you; I
never, ever was introduced to a rsd or srvp and they throw you
away so they can exploit another one and steal his/her leads!!!
I started hearing that persons not even a potential client.
When bonnie floorrman talked me in to getting in to the business,
every one was a potential sale. Just start a list.

I began running in to people who wanted to buy from me but
they had already bought from another guy who didnt even work in
the same state that I was working in!!!!!
My eyes finally began to
open and it began to sink in that an agent needs a protected

territory, which bonnie floorman nor art williams took the time to
tell me. I wonder why!
You know it is so:
when you go in to business, you dont
"recruit, recruit" other businesses. You stay right there and build
your business up wherever you are. You get the help you need.
If
you start a branch business, or a separate enterprise, you get the

help you need.
You dont tell them to pyramid on, for those new
recruits to pyramid on, and on, AND ON, until you have exceed the
entire population of the world!!
If you get 5, your down-line
gets 5, and so on, you've EXCEEDED THE ENTIRE POPULATION OF

THE WORLD IN ONLY 14 LEVELS!!!!!!!!!!!!
may get 6 recruits.
wamway tells you you
You have exceeded the entire world populace
by the 11th level!!!!!!!!!!!!
Those rvps and srvps know that.
Those recruits are customers!

al williams -Citigroup- con America still owe innumerable
commissions plus interest and penalty because they stole my
license after 3 months!!!
They never forced bonnie floorman to
admit she was wrong and to return my license to sell. That

license was only good to sell MILICO products.
conspiracy in restraint of trade!!
Thats a
The license granted by the
government body was good for 2 years.
a.l. williams deliberately
made up the 90 days and I had to pay my expenses on top of it to

pass the exam and get my license!
What a fleecing!
a.l.
williams takes away your license without any remorse!
It caused
me impoverishment and upwards of 99.5% of the other pfs reps

wind up impoverished because of this abomination.
It is nothing
but a boiler room pyramid scam scum spit pyramid fraud!!!!

those at the top make money:
Only
those any thing below that
concocted level give their time, money, their clients money and
energy to those at the top.
You CANNOT make a career in the
death insuance industry unless you receive renewals.
And they
charged me for the classes!!!
And I had to pay virtually
everything out of my pocket.
Neither bonnie floorman nor any of
other rvps, district, srvps or regional leaders told me that all of

the life insurance companies and stock mutual fund companies,
mutual fund companies, money market companies give you
training out of their own pocket.
They help their reps. It took
upwards of one year for me to recover from all the uncompensated

work time and expenditures.
All right then:
A fair restitution:
1. You cant get around base pay. If you supposedly are going to
make this fortune selling buy term and invest the difference in
mutual funds, the 72 rule, et cetera^, they have no problem
giving at least $1500/week so you can survive; more in high cost
of living areas. Thats not unreasonable. As aforementioned, if the
reps did well on the Bureau of insurance examination, and I
scored 87 out of 95 total, thats not unreasonable. They recruited
us and told us we were would swimming in dough working parttime!!
2.
Full, honest disclosure about the commission structure.
Were still trying to find out what it truly is!!
art williams got
around one lawsuit because Alabama {then} had only a one year
Statute of Limitations for plaintiff action.
3.
Fair remuneration for selling the policy.
conAmerica cant
pound and pound that ludicrous higher cost first year, lower
later because the reps dont get paid commission in subsequent
years. The miscreants at the top, the district "managers", the
srvps are taking those commissions!
the billings!
PARASITES!
Prove me wrong!
Let's see
You are PIRATES AND RAUNCHY
Therefore, you are GUILTY you are proven innocent.
Thats laughing in the agents face!

billings.
Prove me wrong!
I have never been shown the
Thats an admission by a.l.williams -con America that
they treat their reps very badly.
a.l. williams- Citigroup con
America owes me for the renewals.
A fair remuneration was not
explained to the franchise owners at Southland Corporation,

either.
Now 7-Eleven runs 7-Eleven, rather than Southland.
Southland began making ties with the mafia and eventually went
belly up in 1990.
4.
I put seven months of my time in to that scheme, overall.
Should I hold my breath that pirate vs. America will pay me fair
remuneration for all the mental stress and impoverishment that
multi-level marketing causes?
Paying compensatory damages to
me is NOT unreasonable, especially since there should be penalty

as al williams never paid me a dollar in lost fees, being ripped off,
and no renewals.
With no disclosure of the commission
structure, how do I know I was actually paid an agreed upon

stipend?
5.
Fair reimbursement plus interest for my travel expenses to
take the course.
Thats not unreasonable.
I obtained the
license required by the state governmental body and passed their

test with a high grade. Reimbursement for my travel expenses to
obtain the license and stay at a motel.
Thats not unreasonable.
a.l. williams forced me to give up the license that I had earned!

No argument of sincerity can be made by a.l. williams, bonnie
floorman or any of the rvps.
They want those leads and will be
very swift to steal them from you.
When you franchise any store
chain - if youre smart, you check the contract for a fair evaluation
of what the franchisor contributed to the good will and growth of
the business.
al williams staff and lawyers knew and pirate vs.
America knows about clauses such as that.
Was so young and
am really surprised at the number of potential clients I visited and

the enthusiasm I had and how I helped the image of that company.
I was recompensed with termination and theft of my time.
Thats theft of services!
That's theft of renewals!
Thats theft of promised commissions!!

That's taking away of protected
territory and no disclosure of!
I gave them my time.
williams and his people are thieves!

to me.
al
Never again will it be done
6.
A fair evaluation and restitution for sales missed when forced
to surrender the license I had studied for and earned. That means
they owe me for the bonuses I would have made as well as the
sales I lost, not only in the valid period of the license, but in
subsequent periods; volume build up; more sales, bonuses, et
cetera^!
After 7 months with absolute minimal income, I was
impoverished and forced to take overtime jobs so I could get back

on my feet.
workers!
Multi- level marketing { pyramid fraud } impoverishes
Hundreds of thousands of others have been raped also,
worldwide.
7.
The theft by a.l. williams means lack of credentials for the
next insurance place.
The sin of a.l. williams. Once again, you
must have a protected territory.
Reimbursement for travel
expenses; fair restitution for my time to unnecessarily have to

restudy for the examination.
Boy, does a.l. wiliams- pirate vs.
America-Citigroup plunder unsuspecting people!!
Taking away
your license when no laws nor ethics were broken by the agent is
an abomination!!!
a.l. williams, bonnie floororman, con America-
Citigroup who bought them out [hence bought their debts] and the
rest of them should be thankful Im not asking for compensatory
and punitive damage awards!
time and energy for what?
can get your leads!!
Boy, do they fleece you!
A lot of
To be used and thrown away so they
Aha!!
Now you know why a.l. williams and
all the RVPs ordered you NOT to make the sale on the first visit!
Because they furtively sneak in and STEAL your leads and your
sales!!
I have not told you everything, but, if you have scruples,
you are able to tell that these PIRATES are VERY scurrilous.
And, with every year that passes, they pull new cons!
I'm
having a difficult time keeping up with what they are doing!!!!

Why?
After 3 months, they will steal their license to sell, which
is not even rightfully theirs!!!
I studied for the test, put out by
the state regulator, not by a.l. williams; not by MILICO; not by

pirate contempt for America: not by Citigroup.
What a corrupt,
unscrupulous, venal outfit! You cant even recover unless you

take the courses; then the examination and fee all over again!!
They owe for the mental stress!!
Those sales district and
regional leaders really have their nerve in demanding that you

surrender the license when you have committed no legal,
propriety, moral nor ethics violations.
a leader.
Any pirate can be labeled
HITLER WAS, HITLERY CLINTON IS.
A pirate is a
PIRATE, NOT a leader!!

8.
License was good for 2 to 4 years.
Out and out fraud and
nefarious, barbaric extortion to only allow a license to sell

insurance and securities through a.l. williams!!
nerve!
Whom do they think they are?
That really takes
God Almighty?
The
intent is to issue a license to sell life insurance and securities for

yourself or for any firm.
To limit to a.l. wlliams is tantamount to
threats, lies, deception, unfair restraint of trade and extortion!!!

a.l. williams violated the Sherman anti-trust Act without even
telling us!!!
Has crime against America turned from such
reprobate shenanagans?
criminal con America must agree to
pay for the remaining 21 months of lost revenue as a result of the

illegal seizure of the license to sell life insurance.
Thats
generous: a.l. williams does not have to pay punitive damages

and a.l. williams doesnt have to pay compensatory damages for a
minimum of 7 years.
And crime against America has a lot more
fees and a lot more cons to pull on you. It is worse now than
before!
What?!
Ripoff Report:
Ripoff Report states this?
To the editors of
CON America is willing to make amends?!?!
bought a.l. williams, stock symbol ALW { then } .

an outfit, you buy the debts.
purchaser, did!!
They
When you buy
Lets see proof that Weill, the
a.l. williams headhunters know I worked
there, even if bonnie floorman and that other girl were to attempt
to deny it.
Plus, I have been "headhunted thrice since bonnie
floorman stole my license to sell death insurance.

REPORT MIS-MANAGEMENT ARE LIARS!!!
RIPOFF
Ripoff report made the
following statements that I have taken the liberty to place in to

quotation marks:
Not everyone is a sales person" {they
recruited you; hence you are! - Rocky } "not every one is made
for every business and your success depends entirely on the effort
you put into it, but, the investment involved is very minimal in
light of the training and licensing that it pays for" all this talk
about $199 { probably higher now } being a great deal.
Those
PREDATORS don't tell you that any reputable company { and even
some not so honorable } PAYS for your training and overnight
expenses.
I guess people are wondering "why do I have to pay
to start a job?
"But Primerica isnt a JOB,"
cranial vacuity!
7:16-20.
{ IT'S A FRAUD,
By their fruits, ye shall know them:
WHAT?!
YOU REFUSE TO READ????
is "a job", and I've proved it.
Matthew
con to America
- ROCKY }
Youre starting a business; {youre starting a business when you
go to work for all the others and the company pays -consult the
Rock} how many other businesses can you start for less than
$200 {unlimited, especially now. Its called the internet!!!}?
Life
insurance pre-licensing education is provided at no additional cost

to you.
{ha ha ha ha ha ha ha ha ha!
lied to you!!!
crime against America
Documented by other threads, also. We are NOT
bearing false witness!!!!
That leads one to question the whole
scope of the investigation put out by the staff of Ripoff Report.

How deep was the investigation?
Ive spoken with thousands of
life insurance agents, including former a.l. williams agents, and

they all know that a.l. williams charged $80 for the pre-licensing
seminar, which they did to I Rocky.
No additional costs?
Even
then, it was more than $200, as I have documented.

9.
a.l. williams recruiters wanted me to buy a policy!
What!!
When one is employed by a "500 billion dollar corporation, the

employee receives their product for free or, at employee discount
rates.
policy for free.
Buy an overpriced policy to help National Sales
Directors and Senior National Sales Directors.

What dishonesty!
What deception!
What treachery!
~ Ripoff Report said recruit in their Rip-off Report

Investigation: Primerica`.
It should be noted that as an
independent contractor, the compensation of a con America agent

consists of commissions and bonuses earned upon the sale of a
product, either directly or by an override commission GENERATED
BY OTHER AGENTS {emphasis mine} recruited into his or her
hierarchy.
Not my words, his.
Some have not seen through
pyramiding, sometimes called "multi-level marketing".
Now the
merchants of menace are calling pyramiding something else.

EVERY LIAR CONSTANTLY SHIFTS HIS LINES OF DECEIT.
But
you should know, that your results are going to equal to your
efforts.
better!
Think {so} ??!
The ripoff report management knows
RIPOFF REPORT IS LYING LYING LYING TO THEIR
READERS !!!
In any moral, legal, honest, above board, obey the
IRS corporation, company, partnership, sole proprietorship, cooperative, charity, hospital - what have you - you are paid ON
YOUR SKILLS, TALENT, EDUCATION, EXPERIENCE AND
WILLINGNESS TO WORK HARD AND IMPROVE EFFICIENCY AND
CONTRIBUTE IDEAS TO HELP THE CONCERN.
RIBBED FACT.
THAT IS ROCK
YOU CANNOT ARGUE WITH A FACT.
CON
AMERICA brainwashes you and attempts to COERCE YOU in to

wrong, crooked, perverted, slant-eyed, duplicitous thought
processes.
con America pays you according to your ability TO
LIE TO PEOPLE TO GET THEM SUCKED IN TO A CONFIDENCE

GAME; A RIGGED GAME; A ROLL THE DICE LOTTERY WHEREWITH
YOU CANNOT, REPEAT CANNOT WIN!
That is NOT so in multi-level marketing, even in a local economy
on the upswing.
date.
Here is the best explanation I have seen to
There are probably less wordy ones, but this is worthy of
very careful, thorough study.
CRIME AGAINST America IS IS IS
a PYRAMID company, BETTER CALLED A BOILER ROOM SCHEME,

NOT A COMPANY;
NOT A CORPORATION
http://www.frauddiscovery.net/Herbalife/WallStreetFooled.pdf
Its the same a. l. williams hash refrigerated and microwaved up:
Primerica was been and is under investigation by the SEC, FTC
and numerous other governmental bodies.
Listing of
investigations and litigations can be found SECs and other sites

>"
BLOCKED BY PIRACY VS. AMERICA DEFENDERS AFRAID OF
LOSING VICTIMS!!!
WWW.SEC.GOV/cgi-bin/txt-srch-sec?
BLOCKED BY PIRACY VS. AMERICA DEFENDERS AFRAID OF
LOSING VICTIMS!!!
If you just do a goggle or yahoo or bing
search on "Primerica fraud".
You will get hundreds of hits
explaining lawsuits, pirate vs. Americas deceptive tactics and

testimonials of people defrauded.
{ An agent with al williams
told me that many reps are pastors. Its easy to believe you need
supplemental income when you were not called and are not
trusting the LORD for your support consult the Rock }.
CON America is sincere?
Think
Before publishing Rip-off Report
Investigation: Primerica pledges to resolve complaints & address

any inquiries from the past, present and in the future.
Commitment to Rip-off Report Corporate Advocacy Business
Remediation & Customer Satisfaction Program. Primerica
commitment to customer & agent satisfaction.
After
interviewing executives from Primerica, it is clear that they are

dedicated to helping their agents and clients achieve complete
satisfaction and will not allow a legitimate complaint to go
unresolved,
Ripoff Report { that con does!!! } has to
acknowledge that one cant get around base pay and that the
average commissions for a con America agent is 200 and it goes
in to a DEFICIT for you since only 0.25% of the RVPs, RVPs and
SRVPs make 7 figure commissions and overrides { and possible
kickbacks from chargebacks on their reps!!!}.
pyramid scam fraud, why no base pay?
If its not a
Any company that pays
only sales commissions without binding promises of preferred

stock, stock, warrants, profit sharing, or some future reward for
work performed is a slave master.
An honest days pay for an
honest days work.
Be up front.
Bill Gates was. Sam Walton
was. Henry Ford was. Trump, junior and his Daddy were.
He
asked the workers to accept shares of stock. Those who did not
want his promises could walk away.
Con pirated America
pressures you to stay with threats of no refund of your $199

{ higher now } and the usury regarding the loans.
Sam Walton,
Bill Gates, Bill Marriot, Orville Merillat, Trump senior, Trump

junior, Ronald Reagan, Ray Kroc, backed up their promises.
They did not vomit empty, lying promises of riches.
They worked
hard and responsibly and backed upthe promises that they made,
EVEN WHEN IT MEANT WORKING 20 HOUR DAYS TO BACK THE
PROMISES THAT THEY MADE AND IT BECAME EXCRUCIATINGLY
DIFFICULT TO FULFILL!!!
promises.
That is my motto.
I back my
That's what I expect of everyone else. I'm no better
than any one else.
If I do it, I expect you to do it.
Many times
in my business, I make a promise that I would take 3 hours or less

to fulfill.
IT!
It sometimes takes a week or longer.
BUT I FULFILL
I have zero respect for people who do not fulfill the promises
they make.
Your word is your bind.
A girl who will write a "dear
John" is total pond scum in mine eyes.

at 18.
You're old enough;
be mature.
You are old enough, even

Thats what a.l.
wlliams needed and, of course, still needs to do and did not and
has not to this day.
has not, to date.
Thats what con to America needs to do and
Any one with honesty walks away from crime
against America.
Confession by con to America if they did the same that art
williams did to those who spent money, time and energy to obtain
their brokers license.
more now }?
Does con America refund your $199 { or
May be sometimes, but then again, crime vs.
America will at times say that you have a chargeback.

Primerica loans you money, whether you want a loan or not!
Chargebacks is really deceitful.
a.l. williams only allowed their
agent to receive a commission for one year, and the client pays a
year in advance.
Doubtless, con America is doing the same.
The premiums do not go down:
show me proof that they do.
The originators of the fraud are keeping the renewals!!!!

what circumstance could there be a chargeback?
In
In other
words, if the SRVP and RVP do not get their slice off of the agent
even after he is gone {!!!!!!} they want to still make you pay!!!
And to make sure you DO pay, they loan you insurance money
in the event of a chargeback!!
like it really is.
32:23.
Nifty, isnt it?
Total evil. Tell it
Be sure your sin will find you out:
Itll find you out.
NUMBERS
Its found a lot of multi-level
marketers of swampland out. And their sin will find the rest of
those boiler room shysters out.
In fairness to ripoff report, even
stock, mutual fund analysts and institutionals do not know the

inevitable law of rapidly diminishing returns involved in
{ PYRAMID, DECEITFULLY CALLED "multi-level marketing"}
am asking Ripoff Report to read and pore over this daily for a
month, then at least once a week for the next year.
extremely important.
It is
Revealing information, even great revealing
information, becomes dated. More, better explained exposes will

come. Keep your eyes open.
Ever alert, never hurt:
for a background report made me laugh myself sick.
To pay
They want
suckers, even hardened criminals, so long as they dont do their

mischief selling for Primerica!
BACKGROUND CHECKS!!!
con!
CON AMERICA DOES NO
Anybody can get on as an independent
Whats the background investigation for?!
bought the policy?
What if I had
once heard that that a.l. williams went to jail on fraud charges.
Why is it that you can obtain no information regarding this on the
internet?
Supposedly a.l. williams is an open book.
Fine,
then tell us precisely what you were doing beginning around 1963
and what youve been doing all along, with documentation and
receipts.
A Primerica mlm becomes so brainwashed, he never
questions anything.
Art L. Williams never came to see any rep
and he never called for meetings. He can afford to pay the

expenses.
www.frauddiscovery.net/herbalife/WallStreetFolled.pdf
You are NOT an independent contractor!
business with con America:
YOU DO NOT OWN a
https://find.irs.gov/search?utf8=
%3F&affiliate=irsfp&query=INDEPENDENT+CONTRACTOR&commit=Search
I did
NOT receive a Form 1099- MISC, nor Form 1099-S, nor Form 1099K, nor Form 5498, nor Form 1099- PATR, nor Form 1220, nor Form
1099-C from a.l.williams nor from any client.
22 to report my income.
I had to fill in Line
If you FAILED TO FILL IN your income
from con America, or from any client { provided you made any
sales that were not charged back or any sales at all!! }, YOU WILL
be AUDITED by the IRS and YOU will have to pay interest and
penalty on all of your sales!
this regard!
Con America WILL NOT help you in
Crime against America WILL NOT mail you any from
PROVING that you had a CHARGEBACK and can hence remove the
CHARGEBACK from your income!
business with con America!
YOU do NOT have your own
This is TRUE with the rvps and srvps
as well, EVEN THOUGH THEY HAVE TO RENT OFFICE SPACE AND

HAVE TO PAY THE RENT OR LEASES OUT OF THEIR OWN POCKET!
As if this were not surreptitious enough, con America does NOT
even mail you a W-2, even though you are an employee!
Had I not
reported my sales to the IRS, I would have been assessed interest

AND penalty.
When I kept the books for a client prior to the
couple selling their business, they were accused by the IRS of not
placing their deposits for Federal income tax and FICA tax in to
the bank on time.
I negotiated with the IRS and they agreed to
waive penalty, but NOT the interest.

The couple were clients.
I have my own business.
Had I not reported my income to the
IRS, I would NOT have been able to get out of penalty.

YOU ARE NOT AN
INDEPENDENT CONTRACTOR WITH CRIME AGAINST AMERICA!

YOU DO NOT OWN YOUR OWN BUSINESS!
YOU ARE A
CUSTOMER, AND YOU WILL BE TAKEN, AS THESE UNSCRUPULOUS

PEOPLE SEEK TO SWIPE FROM ALL THE CUSTOMERS AND
POTENTIAL CUSTOMERS THAT THEY CAN!!
CON AMERICA
LOOKS UPON YOU AS A HAPLESS SUCKER TOURIST AND THEY

FEEL THAT THEIR JOB IS TO TAKE WHAT IS YOURS AWAY FROM
YOU!
https://www.irs.gov/pub/irs-pdf/i1099msc.pdf
THIRD: TESTIMONIALS FROM OTHERS, LIES BY PIRATE VS.

AMERICA APOLOGISTS AND THE ANSWERS TO THOSE LIES:
Sequence, incorporated ceased taking comments on this blog in
2014.
The comments by those disillusioned, those pirated, OR
BOTH, are worth your perusal if you are considering going to one
of their "rah rah, hallelujah" meetings.
Some dabble in the
occult, that is, tongues!

http://jenniferspassion4internetmarketing.com/is-primerica-ascam-the-truth-revealed
https://www.consumeraffairs.com/employment/primerica.html
MORE EXPOSES OF CON AMERICA AND ALL PYRAMID SCHEMES.
BEWARE!
MARY KAY MAY BE A PYRAMID SCHEME AS WELL!
MARKET AMERICA, wamway, alpine, FOR U, usana, THERE WAS

EVEN AT LEAST ONE THAT MARKETED STOCKS AND IT WAS A
PYRAMID FRAUD AS WELL:
http://www.sequenceinc.com/fraudfiles/2008/04/the-pyramidscheme-aspect-of-primerica-financial-services
Carolina. Theres a ninety-nine percent loss rate meaning the
money. Youd have a better chance betting your life savings on a
multi-level marketing { in reality a PYRAMID -Rocky } home
business." {Oooch!!!! That hurts!!!!! - Rocky}
http://www.sequenceinc.com/fraudfiles/2008/04/the-pyramid-
scheme-aspect-of-primerica-financial-services/#comment-181493
Standard (:)
I ran across a blog that did a series examining
Primerica Financial Services, a multi-level marketing company

that purports to sell financial products. While the company does
offer life insurance, investments, and other financial products,
like a typical MLM theyre really out there selling the
opportunity. The name of the game is endless recruiting.
The
Financial Blogger did several nice posts about the company, but
this explanation of the pyramid scheme aspect of con America
was exceptional:
the answer is no.
RECRUIT"!!
Is it a pyramidal scheme?
{ BET ME.
In legal terms,
IT IS, IS , IS "RECRUIT, RECRUIT,
AND, NO FREE POLICY EVEN THOUGH YOU WORK
FOR CON AMERICA. -ROCKY }
However, it does not mean that
because it is legal that the company structure is not shape{d} like

a pyramid.
Everybody is making a cut on the people below them;
it goes up to four level {s}.
I think this is clear that the guy on
the top makes the big bucks.
They will answer that every
company is like that as the President and the VPs are in the
driver {sic: add "s" on the end -Rock } seat and the other
employees are left with nothing.
It is right also.
{ WHAT!!!
-CONSULT THE ROCK } However, they do not explain why they are
able to give a commission to four people for the same sale.
The
answer is pretty easy: they have to cut down the commission

compared to the regular industry.
As an example, if a life
insurance of 100K {thousand - Rocky } would provide another

agent with $1,500 in commission, a Primerica advisor at the
lowest level will earn $900 { ha ha ha ha, ha ha ha ha, ha ha ha
ha, ha ha ha ha, ha ha ha ha, ha ha ha ha!
half of that figure!! and 2/3??
No where approaching
I don't think so.
Those who were
fortunate enough to find what the snsd, the nsd, the srvp and the
the rvp were PILFERING IN CONTRAST to what the sales
representative was EARNING may be approximately 80% to 5%.
The difference is the scrapping that the people at the tippity top
of the pyramid poach -consult the Rock }
{ SIC: you forgot the
comma -Rock } then his recruiter will receive $300, the recruiters
recruiter will get $200 and finally the guy who put all of them
together will earn $100.
So for those who are in to sell,
Primerica is definitely not the right place to be.
Yeah, but you
could build a team and create your own business, { sic: period consult the Rock } I guess they forgot that the best sellers on
earth are not necessarily interested in building a team compared
to earning the big bucks right away. The main problem I see with
this approach is that you have to convince individual { sic: add "s"
- Rock } to work hard for less that they could earn only because
they have the option of building a team a earn extra commission
on somebody elses work.
In fact, if everybody concentrates on
recruiting individuals, who will make the sales?
You may have a
hundred people below you, { but }, if nobody sales { SIC: sells Rock }, it still makes 0$ { SIC: no dollars - Rocky } in your pocket.
1June 2008 at 9:29 am daisy espinozai recently joined primerica
but wondering if what they say is true and also yeah is true i been
in six family homes and not sold nothing and all that time in
training and gas that is coming from my pocket someone write
back
YEP: I did. - ROCKY
5 June 2008 at 6:58 pm TrinityExile
A bargain
{ THEN PAY
ME FOR THAT "BARGAIN" THAT THEY "GAVE MANY, MANY",

INCLUDING I } Part of what they say is true.
{ No chance!!!
IS ALL ALL ALL DECEIT AND OUT AND OUT LIES.
IT
- ROCKY } Yes,
if your customers are disciplined enough over 30 years they can

invest money in a mediocre account managed by Citigroup paid
employees and be covered with term insurance.
You initially will
make a few hundred dollars -Before taxes!!! - Rocky

NEXTAXPRO.WORDPRESS.COM which is like the bone thrown at a
dog salivating.
However, you will have paid through the nose for
licensing, gas, meals, and trips to various trainings which will

eventually leave you with more questions than answers. Once
your sphere of influence has been tapped you will be forced to
cold calling with a host of slights, techniques, and hours of hang

ups. Very rarely does a RVP or upline give out sources. Even
when they do it is a few here and there to earn your trust to get to
your sphere of influence. I made $100 in the heat of the moment
coming up with 100 names of people I knew that was faxed to a
Senior person in Florida (former baseball player.)
Dont put any
personal contact information in the FNA computer. They also

scam by taking that list. Really look at the people and where they
live. There was a soon to be rvp in "Mark" {SIC: art - ROCKY }
williams office that lived in a run down apartment.
Clearly she
wasnt making the money claimed (or in the way.).
Be aware of
people calling back and being stolen out from under you as a
guise to help out your upline. That was a real experience as well.
My husband worked with a sweet gal that introduced us to the rvp
of the upline she submitted er, sucombed {sic} to. She knew a
lot of information about our family life which she told to this guy
so he could better field our questions and make comments that fit
our personality profiling. In fact, we once went to a seminar
training called STAR which totally was about profiling customers
to make sales. (Do you still believe in the idealism of helping
others?)
Well, we eventually changed over the { to } term life { conAmerica
sells whole life, too.
Not all the "SALES" reps know about that
coverup sham disgusting disgrace. They are NOT told!!! - Rocky }

to a cheaper institution when we dumped out of Primerica. We
sold our home to pay off the second mortgage financed through
them.
We ate about $8,000 in expenses, fees and trying to prove
we were worth the attention of the RVP or whomever { was }

willing to help us make sales and build our business. {.}
paid for daycare so I would go to the office to learn from these

people all I ever learned was that they ... a lot and hand you an
alumni book to create sales. Dont be surprised if they guilt you
into using your contacts as a test of trusting them.
I think what people dont talk about is the level of depression and
humiliation left after these people have raped your dignity.
Everyone eventually learns this is too good to be true somewhere

down the line. It can happen right away or take 6 months, or even
a year depending on how emotionally attached you get to the
personal improvement program.
Your reputation is tainted with
family and friends depending on how aggressive and

unprofessional the upline is with training.
Our friend lost her
home and even her relationship over Primerica.
The house of
cards is often stacked on building a business and, as it doesnt

pan out, people find themselves in a jam with all the refinancing.
I experienced serious problems with lacking care in budgeting and
helping people live within their means. I experienced people
being told you have to come work with us; there is no way out
only later to realize how horribly worse off they were going to be.
You need to look clearly.
We went to a picnic of a Senior position
in the Cleveland area. I couldnt understand why the inside of the

house had 1970s decor including a wall radio.
Its because they
inflate the numbers on how they exaggerate income.
Its
usually over a period of time, based on gross sales without

chargebacks or business expenses. Even the rvp's home, car and
family circumstances caused me to realize I was being
scammed by him.
Its a strange little world where a guy with 3
daughters who loves god and goes to church does such horrible
things.
But that is the false sense of security that just because
someone says prayers, quotes the bible and attends a church

means what?
They are not corrupt?
Citigroup is corrupt as
many in corporate America . ITs a fact of life. IF you dont have

personal integrity or a conscience and are desperate to rape
people without knowledge of what you are doing or dont care
then you can make it with a lot of intense hard work. But you
better have a great reputation and be able to sell out those
around you and their circle of influence. Remember, you are not
in it to make friends but to make money. And the only way to
become affluent is to screw a whole lot of people fast before they
know it and move on. Thick as thieves many of them are. You
dont have to feel bad for being gullible in a weakened or hopeful
state. You can learn and be stronger in the end for all the
manipulation they put you through and cost you. After all, you will
learn about yourself, your character and if winning is more
important than doing the right thing.
Trisha 16 June 2008 at 9:44 am Elisa Just a quick note: These
are all very sad stories. I attended one of the Primerica
recruitment classes in 2004 hosted by Luke Lorenz in State
College, PA.
He tried to be convincing, but it was clear within
minutes that it was a multi-level marketing pyramid (legal, but

still a non-sustaining plan for business that hurts a great many
participantsinvestors and the poor new employees who work on
commission and dont enjoy a living wage). I mentioned to Luke
that thats what was going on, and he pretended to be oblivious to
that fact. Or was he really that stupid? I dont know. Best to
steer clear of Primerica altogether (investors and potential
employees.)
2 August 2008 at 8:37 am Rocky
cannot be any different.
changed.
Its a pyramid scheme.
It
Its etched in stone and cannot be
It is rock-ribbed, incontrovertible fact.
person who hasnt heard of Amway.
Name one
Very soon, it will be the
same way for Primerica, herbalife, Malaleuca, For U, Market

America, al pine: EVEN IF THEY CHANGE THEIR NAMES!!!!
If
you start at one as the first step, after ONLY THIRTEEN (13)
STEPS you will have more than the entire populaiton of the planet
if one recruits six, those six recruit, six, those 36 recruit six, on
to the thirteenth plateau, BELIEVE IT OR NOT.
Thats why A.L.
Williams Primerica employees cannot recruit anyone, nor make

any sales. Their family and friends avoid them. Multi-level
marketing { actually pyramids, face it} nefarious boiler room
operations need to be forced to make monetary restituiton as well
as mental stress, emotional isolation and humiliation restitution.
The bill AL Williams- Primerca owes would stagger you.
human mind cannot take such an enormous figure in.
The
The proof is in the puddin, as the wise old saying goes. deborah
and "linda"typed rebuttals FIRST, BEFORE any one posted on
the pyramid, cheating, fraudstar, illegal conPrimerica!!!!!
are you frightened of, deborah and linda??
Hmmm?
What
Put your
money where you mouth is and make restitution for those whom
have never restituted their victims.
Restitute first, post later.
Try starting a Primerica in China.
IT'S A PYRAMID, AND THE
GOVERNMENT OF CHINA KNOWS!
It wont be allowed, and you
know its so.

pyramiding.
wmway cannot do any recruiting, that is,

If wamway and herbalife does, China will run that
SIN-sicko scamster outfit out, IF wamway and herbalife ARE

LUCKY!!!
YOU CAN BE SHOT!!
tried, and, if convicted - hanged.
Its time those responsible be

I say that because pyramiding
is allowed in the United States. Those taking bribes; those

responsible for government regulators not taking down pirate vs.
America, Market America, et cetera^, are to tried, convicted and
forced to make restitution to the victims.
I, as well as over a
BILLION victims all over the world, await our fair and just
restitution.
HTTP://NEXTAXPRO.MOBILE.SPACES.LIVE.COM
George Boelcke, a financial consultant,[26] wrote in an article in
the American Chronicle:[27] Yet there is a huge company,
Primerica Financial Services { CON AMERICA IS NOT A COMPANY!
IT IS A MAFIA PYRAMID CON SCAM MONTEBANK SCUM
FRAUD!!!!!!!
IT'S "GREASE THE WHEEL" !! } , a division of
Citigroup { then - Rocky }, that has made vast numbers of

refinance mortgage loans through a product they call SMART.
NONE of these are adjustable rate mortgages. Read that again:
Primerica has never originated any ARMs with their refinance
products (done through Citicorp Trust Bank).
Their clients are
watching the mortgage crisis from the sidelines and the safely of
a fixed-rate term and consolidation, thinking: that could have
been me in a foreclosure Because they refuse to do false,
misleading, or gimmick advertising, they need to work harder to
make themselves known, in spite of doing the right thing, in the
right way, all the time?
How sad that credibility can so often be
bought by simple advertising.
But if youre looking for a second
opinion, some options, or perhaps a way out, it might be worth

your time to get in touch with them. { NOT "THEM".
FBI, SEC AND FTC!
THE IRS,
- Rocky }
14 August 2008 at 5:02 am Shantell Harvey How lucky am I to

come across this website! And to think, I have an interview with
them tomorrow.
So blessed to be able to look up the potential
companies that want to employ me. I thank you, you all have
been a great help.
{ You are most welcome!
20 August 2008 at 11:46 pm
ted
Rocky }
So I, like many recent grads,
am on the job search- have been for 4 months now. Out of the
blue, James Panos, a higher up w/ primerica, contacts me about a
potential job offer .I went there two days later and listened to him
talk and talk about making tons of money, about having an
effortless future, et cetera. I thought it was all a bunch of ... from
the very beginning.
- Rocky }
I knew this was so the second he said Ted, you would be perfect
for this job. Im not trying to MANUFACTURE THIS
CONVERSATION or anything, but you have the ability to talk to
people. He must have said manufacturing the conversation 15
times within an hour.How dumb do you think I am? You are indeed
manufacturing a conversation, lying to my face and wanting to
rape me. Why should I pay 100$ so you can do a background
check?
What kind of company finds people out of the blue-
without applying, etc.?? Stay away!

am K Fleming
21 August 2008 at 10:22
Its great to know this information before my
meeting next week..I cant wait to bust these crooks in front of

everyone else there. YIPPEEEE
Rocky }
22 August 2008 at 2:37 pm lisa
Like {SIC - Rocky } Them. All
you non- { SIC: Rocky } believers can continue working in the

corporate world and we see how great thats {SIC - Rocky } doing
{ BRAINDEAD UNSCRUPULOUS CON WOMAN.
BETTER TO
RECEIVE A LITTLE PAY THAN TO BE FLEECED BY PIRATE VS.

AMERICA! { LEARN ENGLISH, ENGLISH, GRAMMAR, SPELLING
AND CAPITALIZATION!! }
- Rocky }
September 2008 at 3:42 pm
nic
{ LEARN GRAMMAR, SPELLING
AND CAPITALIZATION } myself like the company i { sic: Rocky }

have learned alot {SIC } about money and can say i will be debat
{ SIC: SPELLING. YOU ARE ATTEMPTING TO SAY "DEBT" - Rocky }
free in 5 months { sic: use periods! } { sic: CAPITALIZE!
Rocky } any other company with { sic: will - Rocky } charged {sic }
you an arm and a leg for them to teach you about money.
{sic }
you all that hate the company, you just did not work at it as you
have to at any other dum { sic: learn how to spell!! - Rocky } job
you all have.
{ YOU'RE A LIAR!
WITH REPUTABLE COMPANIES!

READ - ROCKY }
YOU DO NOT PAY FOR TRAINING

{ COMMON SENSE.
same old deborah and/or linda.
AND I CAN
Offering
"rebuttals" to the first one posted, or EVEN BEFORE!!!.

conAmerica is go great, why are you so scared?
If
Because you
DON'T WANT THE PUBLIC TO KNOW THAT CON AMERICA IS A

BOILER ROOM, FRAUD, PIRATE PYRAMID SCHEME!!!
If
conAmerica is go great, why not pay me for my lost time, NO

PROTECTED TERRITORY, HAVING MY LICENSE STOLEN, inflation
factor, interest, penalty;
being ripped off, NO REIMBURSEMENT
FOR LOST SALES, et cetera^?
WHY defend in indefensible?
My
exposes are well documented and you and all the others only
defame.
You have no concrete proof, so you slander, lie and
attack those who tell the truth.
Furthermore, and this has not
been pointed out, if con America is so great and you make all
these millions and hundreds of millions, why not take over milico
and YOU PAY OUT THE CLAIMS WITHIN 3 HOURS, instead of the
usual 6 weeks, if the claim is EVER PAID AT ALL????
wILLIAMS NEVER PAID WHAT HE OWES ME!
20 September 2008 at 9:45 pm Karina
interview set up for tomorrow;
WOW!,and I had an
I guess I have to call and
a.l.
cancel. Im glad I did my homework!!!
Thnx.
{ You are most
welcome, Karina. Please alert others, spread the word and

support my great cause. - Rocky } NEXTAXPRO.WORDPRESS.COM
30 September 2008 at 6:48 pm ny
YOU ARE WELCOME.
SUPPORT THIS GREAT MINISTRY THAT HAS HELPED, AND IS

HELPING, MA NY, MANY SOULS! SPREAD THE WORD! LORD
BLESS:
ROCKY
nextaxpro@yahoo.com
mgtenter95@lycos.com
Wow.. its very funny to hear what
people say about Primerica.

1. Why do companies have job fairs? to recruit, right. { WHAT AN
AIRHEAD!!
OAF;
YOU WERE BORN WITHOUT A BRAIN!!
YOU'RE AN
A DIRTY ROTTEN FOUR FLUSHING LIAR!! - ROCKY
2. Why are there so many ARM loans that are about to get
forclosed {SIC} ? mmmmmm someone mislead someone and it
wasnt { SIC: LEARN ENGLISH GRAMMAR!! - ROCKY } Primerica.
IT WAS TO CON AMERICA, AND YOU KNOW YOU DIRTY ROTTEN
SOUNDREL!
ROCKY
YOU'RE A LEECH, LYING LIKE A DIRTY DOG!
YOU'RE A MAIJUANA HEAD!
LOTS OF ROOM UPSTAIRS!
3. Lets see. Every Corporation has a CEO, who makes all the
money. and people under them, who don't { make as much. Am I
right or wrong?
{YOU'RE DEAD WRONG. SEE MY EXPLANATION
AND DIAGRAM FARTHER DOWN THIS WEBPAGE.

BUSINESSES.
DON'T TRY TO FOOL ME, YOU DIRTY, ROTTEN,
FILTHY POND SCUM!!

YOU BELONG!
I KNOW
YOU GO BACK TO THE BROWNIES WHERE
DON'T YOU ATTEMPT TO TELL SOMEONE WITH A
LITTLE HORSE SENSE!
DON'T YOU DO IT! - ROCKY }
PRIMERICA IS NOT A JOB. PLEASE UNDERSTAND THAT. IT IS

WHAT YOU MAKE IT. NOT A JOB.
{ WE ALREADY KNOW THAT ~
CON AMERICA IS A JOB WHEREWITH NO ONE GETS PAID!
IT'S A
CON; FRAUD; BOILER ROOM SCHEME CONNIVED BY

COVETOUSNESS, VARMITS, NITWITT, DIRTY, DEVIL POSSESSED
MEN, DOLT!!
PIRATE VS. AMERICA IS A FLEECING!
YOU ARE
LOOKED UPON AS A SUCKER, AND YOU ARE SCAMMED AND
RAPED!!! - ROCKY }
Primericas life insurance underwriter Primerica Life Insurance
Company and its New York subsidiary National Benefit Life are
rated A+ as Superior by A. M. Best { no such company any
longer - ha ha ha ha ha!
And, YOU KNOW THAT YOU ARE LYING!!!
YOU CANNOT PROVE YOUR FALSE POINT!
con america
apologists are LYING when they say such things.
Any one can
get an " A plus rating" from the BBB, STANDARD & POORS and, for
money, any one posing as "Warburg Pincus" can give you a "stamp
of approval".
MEAN.
IT IS "GREASE THE WHEEL"!!!
YOU KNOW WHAT I
Look what the staff at ripoff report did!!
PLEASE SEE #
-Rocky } as of May 2008.[20] Standard & Poors { SIC: SPELLING

AGAIN } has the company rated AA as Very Strong.
CHANCE, LIAR! LIAR! LIAR!
BEAR FALSE WITNESS!!
{ NO
THAT'S A LIE. THOU SHALT NOT
- EXODUS 20. DEUTERONOMY 5.
BE
SURE YOUR SIN WILL FIND YOU OUT - NUMBERS 32:23 - ROCKY}
THEN YOU YOU PAY ME WHAT A.L. WILLIAMS OWES ME!
PUT
YOUR MONEY WHERE YOUR FOUL MOUTH IS!!!

The Insurance Marketplace Standards Association, a non-profit
organization based out of Bethesda, MD with the intent to create
ethical standards for the insurance industry, has renewed
qualification for Primerica Life and National Benefit Life for high
standards and quality business, continuing dedication to ethical
business practices.[22]
LIAR!!! LIAR!!
"POINT" YOU ARE MAKING!
PROVE PROVE THE
THAT'S RIGHT! YOU CANNOT!!!
YOUR SIN HATH FOUND YOU OUT! - NUMBERS 32:23, HEBREWS

3:13.
YOU WILL SCREAM! YOU WILL SIZZLE!!
THE WHEEL".
YOU KNOW WHAT I AM TALKING ABOUT.
USING THE STATE OF MARYLAND?!!!

MARYLAND AS A REFERRAL???
YOU'RE
YOU WANT TO USE
WHY, THAT STATE HAS LONG
SINCE BEEN TAKEN OVER BY LEFTISTS!!

MESS!!
IT'S "GREASE
THE PLACE IS A
HIGH TAXES, CRUMBLING ROADS AND BUILDINGS.
RAMPANT CRIME.
FEW OBEY A POLICE OFFICER. YOU'RE
REFERING TO MARYLAND?!?!
YOU'RE REFERRING TO
INSURANCE?!?!?!
INSURANCE HAS NO STANDARDS!
ARE A CONCRETEHEAD!
YOU'RE
YOU HAVE NO BRAINS AND YOU
DESPISE SOULS THAT DO HAVE BRAINS!!!
YOU'RE A DUNCE!!
ARE YOU SO VIOLENTLY BRAINDEAD AS TO THINK THAT

INSURANCE HAS STANDARDS?!?!?!
ARE YOU REALLY THAT
VIOLENTLY BRAINDEAD OF A LIBERAL?!!?!!

MUSHHEAD!!!!
MUST!
YOU'RE A
YOU WORK FOR THE GOVERNMENT?
YOU
YOU'RE A TOTAL FAILURE IN THE PRIVATE SECTOR!!!!
YOU'RE A LOUSE!!
YOU'RE A BIMBO!!!!!
In 2007, Primerica received its fourth Dalbar Service Award from
Dalbar, Inc. { LIE!!!
NO RECORD OF ANY "DALBAR" EXISTING!! } a
client service rating organization focused on raising the standards

of customer satisfaction and quality in the financial services
industry, for Primericas excellent customer service in mutual
funds .[23]
{EXCELLENT SERVICE??!
FROM WHOM?
jackson?
RIPOFF REPORT?
hITLERY? oBOLA?
SERVICE AWARD???
eric holder?
joe stalin?
hITLERY'S husband?
jesse
ARE YOU
REALLY THAT MUCH OF AN OAF DOLT CEMENTHEAD AS TO

BELIEVE THAT CON AMERICA RECEIVED ANY AWARDS WITH THE
LAWSUITS, EXPOSES, WEBSITES, BOOKS, TAPES, LEAFLETS THAT
EXPOSE CON AMERICA?!?!!
DUMBBELL!!!
IT IS "GREASE THE WHEEL,
ASK THE VICTIMS ABOUT "CUSTOMER
SATISFACTION", "QUALITY" AND "EXCELLENT SERVICE"!

WHEW!!! PIRATE VS. AMERICA APOLOGISTS WILL SAY
ANYTHING!!
THOU SHALT NOT BEAR FALSE WITNESS!
TURN OR
BURN!! }
Bruce Sankin,
{ never heard of him.
lowdown, double crossing con man.
And you haven't, either, you

You lie like a dog.
Again, IT
IS "GREASE THE WHEEL!" - Rocky } an investment counselor,

consumer advocate, and columnist,[24] wrote in his 2005 book
What All Stock & Mutual Fund Investors Should Know! of the
Financial Needs Analysis that Primerica provides to its
customers:A good financial analysis will give you a Game Plan
on how to attain your financial goal. Many companies offer
financial analysis. A financial analysis will cost between a few

hundred dollars to as high as a few thousand dollars. One
company, Primerica Financial Services, which is a division of
Citigroup, offers the best value for a professional financial
analysis. Primerica, which creates a custom design financial
report, does not charge a monetary fee for this service. Their
marketing approach is, if you are satisfied with the service
provided in the creation of their financial analysis, they ask for
referrals as their fee.[25]
{ THEN WHY AREN'T YOU TELLING
THIS "bruce sankin" to study my website?
WHAT are you afraid
of? - Rocky }
{ YOU ARE A ROTTEN PONDSCUM LIAR!!!!
RISING.
FEE IS $199.00 AND
THEY CHARGE YOU MORE IF THEY THINK YOU CAN BE
DECEIVED!!
A ROTTEN BOILER ROOM OPERATION THROUGH AND
THROUGH.
ROCKY }
George Boelcke, a financial consultant,[26] wrote in an article in

the American Chronicle:[27] Yet there is a huge company,
Primerica Financial Services { Never heard of this "boelcke".
CON AMERICA IS NOT A COMPANY!
FRAUD !!!!!!!
IT IS A PYRAMID LEECHING
AND WORTH YOUR TIME TO BELIEVE WHAT YOU
SEE!! - CONSULT THE ROCK
Citigroup has been attempting to
divest the pyramid scheme con America for over a decade FINALLY HAPPENED IN 2011 IN FULL.
peddler "deborah" AND/OR "linda".
first one posted.
scared?
This is the same old smut
Offering "rebuttals" to the
If conAmerica is go great, why are you so
Because you DON'T WANT THE PUBLIC TO KNOW THAT
CON AMERICA IS A BOILER ROOM, FRAUD, PIRATE DISHONEST

CONFIDENCE MAN LEECHING DESTROYER OF SOULS PYRAMID
SCHEME!!!
If conAmerica is go great, why not pay me for my lost
time, inflation factor, interest, penalty;
being ripped off, not
having a protected territory which resulted in numerous lost

sales, et cetera^?
My exposes are
well documented and you and all the others only defame. You
have no concrete proof so you slander, lie and attack those who
tell the truth.
Furthermore, and this has not been pointed out, if
con America is so great and you make all these millions and
hundreds of millions, why not take over milico and YOU PAY OUT
THE CLAIMS WITHIN 3 HOURS, instead of the usual 6 weeks, if
the claim is paid AT ALL????
Whom is "george boelcke?
Again,
IT IS "GREASE THE WHEEL!!" - Rocky }

30 September 2008 at 7:54 pm andy I just sat through a 2 hour
presentation that was supposed to be a training sesssion for my
friends new job. I knew something wasnt right when the trainer
was offering us a job and term life insurance.
13 October 2008 at 11:07 pm
witness, { Kenny. You lied!!
Rocky:
Thou shalt not bear false
Primerica IS a pyramid scheme.
con America, with their interest only loans, must bear partial
responsibility for the current meltdown of the real estate and
banking industry { as the international bankers are to blame }.
At crime against America pyramid, it is "recruit, recruit, recruit"
to the point that every one knows about the con America fraud
abomination, just as everyone knows about Market America, for
you, al pine, Herbalife, Quixtar nee wamway and Mary Kay all
illegal scam pyramid schemes.
Who is A. M. Best?
May be you mean sardonically I M Best".
Prove that the Primerica abomination [not even a company] is

rated A+ !
Does it mean anything?
How so?
Prove it.
If your
boiler room con is so great, then pay me the 100 million that
a.l.williams owes me. He won't, I can guarantee that.
SOLVE THIS LIGHT PROBLEM:
those who want to bear false
witness by complimenting fraud, scam, skim, lottery rip off, flimflam, fleecing, fakir, lying, extortion piracy, deceitful, elixir
merchandising pyramid nefarious scheme unscrupulous con
America will pay $15000 for every lie that they post.
scurrilous and oafs admission they wont come.
Charge the
THIS THREAD
is for customer complaints, exposes and consumer essays to shed

light on the con men; the shysters and the sharks to watch out
for: such as spurious serpents flattering you with impossible to
make money pyramid schemes.
PROVIDED you can read, read
the title of this website. You KNOW what this website is for! The
proceeds would be used to aid the millions of victims and their
families that you have sucked the life savings out of.
Believe me,
some victims have poured as much as , 200K, 300K, 400K, 500K or

even more in to something that is DOOMED TO FAIL.
A pyramid
Ponzi scheme WILL inevitably collapse of its own weight.
And I will also say that Id love for Primerica to

publish a book listing all the people who make
poverty level earnings.
And I wont hold my
breath awaiting publication. This website wasnt

designed to promote fraud! It was designed to
expose and help eliminate fraud! YOU read and
AGREED to the Pissed Consumer Terms of
Service!!!!
Your excuse that you went to public
school, hence cannot read, will never fly.

IGNORANCE IS NEVER AN EXCUSE TO BREAK THE
LAW!! READ THE OLD TESTAMENT - in particular
the Penteteuch.
You dig?
Comprendes?
Thank
you very much

I have written to the Utah Attorney General inquiring as to why
the arrest of some primericans was taken down.
will not open any longer:
The website
- ROCKY
6:39 am
VNEXTAXPRO.WORDPRESS.COM
Guess what?
18 October 2008 at
I was a Primerica agent and left. Why?
Not for the reasons you may believe. I am not a whole life agent
{ you are if you were with conAmerica. They do not tell you that
they sell whole life some.
Not "wholesome"!
-Rocky } and do not
push products that are not right for my clients. I left because
Primerica does not have the best products for my clients. There is
no way you can argue that their life product (singulur because the
only have one product for all clients) is not over-prices. It is! You
can find dozens of carriers to provide coverage for much less.
AIG, American General, ING, Genworth, Banner Life, etc. all are
much less expensive and have better clauses within the policies.
Did you know Primerica has permanent products?
THEY WILL BE
{ HOW?
FORCED OUT OF BUSINESS BY THE IRS, FBI,
SEC, FTC, OR BY ALL OF THE AFOREMENTIONED AGENCIES!

YOU CAN'T MAKE THE STATEMENT THAT YOU DECEITFULLY
MADE!!!
CON AMERICA WILL BE OUT OF BUSINESS SOON!
MILICO WILL CEASE THE GUARANTEES!!!
THEN THERE'S NO
WAY CON AMERICA CAN PAY OUT BENEFITS!
CON AMERICA HAS
ALREADY BEEN PROSECUTED BY THE ATTORNEY GENERAL OF

UTAH IN 2007.
CON AMERICA WILL BE FORCED OUT OF
BUSINESS AND THEIR FOUNDERS IMPRISONED!!

BE THANKFUL THEY ARE NOT IN CHINA!
THEY SHOULD
I ASKED MY FORMER
GIRLFRIEND IF THE GOVERNMENT EXECUTES YOU FOR PYRAMID

SCHEMES IN CHINA.
SHE SAID LOUDLY, "PIIHH! "
FIRING SQUAD, FOR THE UNENLIGHTENED.

do.
THAT MEANS
- ROCKY }
Your RVP will not admit this but they do have them.
They
I have
a copy of a permanent policy by PFS. It came as a result of a

conversion from an old client.
Read a policy and you will see the
limited conversion clause they have for permanent insurance.

In my case I replaced their garbage permanent insurance for one
that was 48% less.
Does one product fit everyone?
Nope.
{ But don't forget that
whole life policies fit NO ONE AT ALL EVER.

documentation and testimonials - Rocky }
AND, READ the

There are different
products because there are different needs. Sure there are the
likes of WFG, WMA and other organizations that steer folks to high
commission products, but that is not always the case Primerica
folks. There are cases where Universal and other permanent
policies are proper. Say for estate preservation or for older folks.
Wake up and see that Primerica is not doing What is right 100%
of the time.
How can you make a statement when there are
better products for less monety { sic - Rocky } ?
Also, PFS is
about recruiting. You start at 25% commission which is pitifull

{ sic -Rocky } compared to any regular insurance company.
The
only way to succeed is to recruit and get promoted. Without

recruiting you stay at the same level regardless if you sell
hundreds of policies. Does this seem fair to those who want extra
income without building a team? I left Primerica for a non-captive
brokerage and started at 80%.
That was in 2001 and now I am
at 110% commission and have a large national team.
Nearly
everyone I knew atPrimerica when I joined quit because they were

frustrated.
The few still there are still striving to make RVP and
100k. I made over 100k between my wife and I before I joined

Primerica.
{ If you did, you are mafioso. You didn't do it by
selling insurance.
AND, FURTHERMORE, IT IS VERY EASY TO
TELL THAT YOU ARE TOO BRAINDEAD TO BE SELLING

SECURITIES. - Rocky ] Why would I want to take a step
backwards. { SIC: ? -Rocky }
Now I recruit licensed agents and
have the ability to match their commission structures and still

make over-rides.
At Primerica {,} they would never allow
someone to make a lateral transfer because the top-feeders like

Hector LaMarque, Rick Susie, Mark Younger, Mark Rolls, would not
get freebies.
Further, why must you work so hard to build a team
only to have your BEST LEG taken by your RVP when you go RVP?
This is like building a business and then giving away your best
products?
Who does that?
That systems {sic } is set up for
you to fail so your up-line can steal your down-line when you quit.
This system was originally in place when AL Williams first started
because they did not have the over-ride structure and this was a
way to compensate your up-line. It was kept after those at the top
of the food chain realized they would not have t{o} continue
recuriting { sic: recruiting } if they just took you {r} best leg.
Finally, why doesnt Primerica allow you to be non-captive. { SIC: ?
- Rocky }
For those of you who are not familiar with this term it
means you can only sell the products for one company.
There are
many companies that allow you to sell multiple products to suit

your client needs.
Primerica touts to be the best opportunity in
America? Well, it is not.
Otherwise they would allow you to be
non-captive. Because they know they do not have the best

products {,}
they force you to use the one life product they have
to serve your clients .I think Primerica had a great system when

AL Williams conceived it.
{ LIE!!! IT WAS, FROM THE BEGINNING,
A CONCEIVED, BARBARIC PYRAMID BOILER ROOM SCHEME!

-ROCKY
NEXTAXPRO.WORDPRESS.COM }
But think about it,
how can it continue to be a great building opportunity when it is

owned by a corporate giant of the type Primerica teaches you to
despise?
Use your common sense and dont believe the hype.
Have them show you their Tax Returns with their income. If they
refuse to do so then they have no credibility and are making
Primerica statements and not statement of fact.
22 October 2008 at 4:57 pm T. LaFore
Primerica.
I started as a client of
Since then my husband and I have joined and
absolutely love it!
Weve been in it about a year and wouldnt
trade it for the world. hank you A.L. Williams!!!

WHAT ARE YOU SAYING NOW??
{LIAR!
LIAR!! NUMBERS 32:23!
{ YOU'RE A LIAR!
- ROCKY
}
4 November 2008 at 1:18 pmFA
SESAME STREET ECONOMICS 1
If you are only licensed as a life insurance agent and a mutual

funds representative and you believe you can take a wholestic
financial planning approach you are wrong. Let me ask you how
youd hedge a portfolio against systematic risk. Sorry
diversification is a text book wrong answer. You are in denial if
you think you will get rich off these products alone that have a
small trail and a trail only if you are even licensed with your 6 or
63. That isnt half of you on this page. Your business which is a
Multi-Level-Marketing, hence largest finanical services
MARKETING org; notice the legal lingo that requires them to use
marketing because you are definately not the largest financial

services organization, is based very much so on recruiting. Ive
done corporate recruiting and guess what, not everyone wants to
change thier life to a MLM anyone with a pulse can be a client life
style, and believe me a salary PLUS commission is for the talented
and truly competent; Anyone can go grab a commission only job at
any financial services competitor. Sorry to say but the reason you
are new to the industry and not receiving salary plus commission
is because you have a history of slacking off in either your
academic studies or other employment; hence your last
desparation to grab this opportunity that youll soon find has a
very poor pay out. If you are really interested in the financial
industry obtain a series 7 license and 66 license your CFP and
learn all the capabilities out there so you can really help people
without being limited by primericas philosophy of that you only
need these few products. You have fewer fund families than a
401k which is sad, and a common sense annuity; give me a
break. Its funny how youll criticize MetL life insurance and then
go and use thier annuity product. Where is the falacy there??
Anyone?
What you sell is sesame street economics to people
that really have had no exposure to the industry. You exploit their
lack of knowledge and use primerica slogans for every aspect of
the business. When you are a parrot repeating the same lingo it is
apparent youve given little though to do actual research yourself
on the markets or how different asset classes are even
correlated. A freshman with one econ 101 course could do circles
around your fabricated knowledge of what you think is this whole
financial realm. Well wake up and see that your not only doing an
injustice by blindly leading these client sheep of yours to the
slaughter house, but to say its in the name of doing whats best
for clients; seriously; go study, pass exams that qualify you to
actually financially advise, which is not the 6 or 63 or life, health,
ltc, and do us all a favor and use some self due diligence and
educate yourself first before you just try and sell stories and
common sense catch phrases that sound so ammature and weak.
Now you cant call yourself a financial advisor or planner because
you legally are not aloud because you are completely not even
close to being qualified so like i said do us a favor, go to citi.com
and search for primerica and see that your parent company is so
shameful of you the company is nowhere to be found on any of its
main web pages. Our competitor Smith Barney of course, a
wirehouse, is reputable and where they send clients for
investment advise and financial planning. Guess how much pfs
pays to use the citi name how bad does pfs have to milk that
too its so funny well whatever helps your denial keep feeding
to each other. Its like a bunch of fat kids thinking that cake is
actually healthy for them if they wish it to be true. Well keep
doing a great job pulling in that first paycheck thats your life and
health reembersement and make sure you keep outfitting
yourselves as unprofessional as possible when you show up in tshirt and jeans to your little pep talks. and secretly i know each
and every one of you has a pfs life policy u know u do too who
did u compare it withuhh thats right.. no one.. u bought in to it
all ;
RECRUITING JUSTIFICATION:
well lets see... get the blind
teaching the blind and say who am i to judge who will make it or
not and yes then you can put your head on the pillow at night..
well, thats if you have no real judgement and are more motivated
by what, oh ya, the dream of money and success; ah so
hypicritical. So i get a stupid 18yr old and sell him/her the world.
They feel all excited b/c they are this business owner or soon to
be business owner lol. They spread the word and the regional
rep takes him/her on appointments and closes all the business
making more on the business than the junior rep.. which u all
think is justifiable but in reality the person with the actual
relationship makes the most. Well then the 18yr old just gives
everyone he knows away the senior guys are happy and the junior
guy thinks thats great, but then the will runs dry.. uh oh.. now its
time for real business and talking to people we dont know..
ummm how about we just get another idiot to be convienced to
join and well exploit his warm market.. and round and round
this vicious cycle we profit the 18yr old tries to coach, but
cant why.. hes not licensed or at that level.. hey they never told
me that so yep.. that regional or rvp gets all that business and
u thought u owned a business uh no but ur are a 1099
employee.. wait.. dont u criticise them too.. umm ya u do.. wow..
so many flaws in this model.. so there lies the reason to recruit..
it continually opens up that persons warm market and u move on..
u sleep at night because you say, who am i do judge someones
potential well wake up people.. you are judged every single day
by your potential and rightly so.. are you going to tell me your fund
managers dont judge funds potential based off history and past
performance or do you want there money invested in a company
where they say.. hmmm hey lets give them a chance no.. just
doesnt work that way.
Oh and all this talk about how everyone
else out there is Soo unhappy in corp america let me ask you
your positions you had before.. mcdonalds and wallmart dont
count as corp america. ya you have a few people with reputable
backgrounds but there is a reason they didnt make it in thier
industry either.. and to say all those people that make it are evil
well is just irresponsible and makes you look so amature. Who
are you to assume everyone is dissatified. Many people that are
real entrepreneurs not fake MLM ones, are happy and many people
in other fields are just the same. But you negative people have to
just talk crap about everyone else to make yourself feel better
or at least you exploit the 18yr idiot i think ive seen as high as
40yr idiot at a volnerable time in their life so rest easy
COPY AND PASTE AND SAVE THIS POST!!
15 November 2008
at 1:30 am { not sure if this is Shanghai time, Pacific, Mountain,

Central, eastern standard or Atlantic:
- Rocky }
MSUGRadstud10 I was sucked into this scheme the summer after

my freshman year of college.
I will be getting my MBA in finance
next year and am here to tell you this whole thing is a bunch of
crap.
Primericas fundamental principal, buy term, invest the
difference is lax. It focuses on intelligent investors who
understand the volatility of financial markets. I asked my

recruiter who at the time was a senior RVP and soon to be NSD
what his investment style was. Any prudent financial planner
would tell you with ease his investment style. He simply said "I
earn 12% a year on my mutual fund".
Being a student of finance I
was shocked. He proved to me at that moment that a soon to be

National Sales Director knew nothing about value investing or
anything else of the nature.
A person prudent in finance would
not rely on a mutual fund to diversify their portfolio for them

because mutual funds RORs are not all that great because of
costs within the fund and an average investor can construct a
portfolio that exceeds their ROR.
Because I paid the $99 and the
testing fees { !!!!!!! - ROCKY } I went on and took my insurance

exam, passed, and quit after they refunded me my testing fees.
This was the biggest waste of $99 I have ever encountered.
Primericas agents are not financially sound themselves and seek
to benefit from others stupidity. My SRVP alSo told me that it was
simply a distribution business, not a financial services business.
WOW!
Now we know why Citi is being bailed out right now,
because the 100,000 Primerica agents are DISTRIBUTING

financial instruments to people who cannot afford them in the
first place. Do you honestly think that someone with a $30,000
income needs a mutual fund, life insurance, and legal protection?
... no, thats why they make 30k/yr, they missed out on an
education! EVERY Primerica representitive who believes in their
company should be lynched along with some of the CEOs of
various financial institutions, Bernie Madoff's stuff, Enron, FRE,
FNM, AIG, and LEH! They are the same kind of scum and deserve
the same treatment!
24 November 2008 at 10:03 am stay away from primerica I only
hopes primerica goes out of bussiness,they take advantage of
ignorant people .I currently have a mortgage with a 5.62 fixed
interest rate for 20 years and i send extra towards the principal
every month.A primarica agent was HELPING to refinance .
My
new interest rate would be 7.65,fixed, 20 years.Was this primerica
agent really helping me or was he just triing to make a

commission?I do not think i have to answer this question.I was
told not to worry about the higher interst rate and only look at my
MONTLY SAVINGS.What montly savings?If interest rates do not
matter,why not give me a mortgage at
7
November 2008 at 11:40
Jake I left Primerica, NOT because I
wasnt making good money, but because I couldnt handle GIVING

IT BACK via chargebacks!! I will NEVER again watch my children
go without what they deserve, simply because Im unable to keep
what Ive earned
28 November 2008 at 3:26 pm artie i actually enjoyed the people
in the Base Shop but quit after my RVP closed 2 of my referrals
with out telling me and paid me with a personal check on one and
kept the commission on the second because he knew i was
strapped for cash and needed the money. He got All the Credit,
All the Commission and im sure His bonus!
Thank god, { SIC } it
was the best thing that happened because it broke the spell. i
was Mr. Primerica and believed in the hype at a terrible financial
cost to me and my family.
there was almost no product training
and 99% hype and speeches about hope. now my family and i are
100% better, but i am upset with myself for putting my through
such financial turmoil for 7 months because i was hypnotize.
LEARN FROM THESE POSTS!
SATANIC CULT!
DON'T PAY!!!
CRIME AGAINST AMERICA IS A

DONT JOIN!!!
- ROCKY
29 November 2008 at 12:31 pm
JP Im glad I read this before I
gave Primerica my final answer to join today.

ARE WELCOME:
Thanks
YOU
ROCKY NEXTAXPRO.WORDPRESS.COM
5 December 2008 at 12:53 pm teveOk. Somone } above said that

the RVPs dont care for you. I find that funny cause my RVP
actually does all the work for me and i get paid.
YOU THINK TRICKING?!!!
{ WHOM DO
HA HA HA YUK YUK YUK.
BRAINDEAD, dolt, RODENT AIRHEAD!!
ROCKY
WHAT A
He
personally goes on the appointments with me and now that i have
a license he helps the people and if they decide to get life

insurance i get paid for it. It has been pretty nice. Im not sure if
other RVPs are corrupt or something but mine is not i know that
for sure.
7 December 2008 at 12:02 am Portfolio Manager On 15 Nov 08

FAs comments probably would describe this multi-level-marketing
scheme the best.
AND MINE:
ROCKY
HTTP://NEXTAXPRO.WORDPRESS.COM
Im a portfolio manager for
a very reputable company and just went to a introductory meeting

with my nephew that was convinced this was a great business. He
is 19, on winter break, and his old friend got suckered in. I took
them down on campus at Cambridge and we spoke with one of the
professors their, and then to my firm where a colleague of mine
that is a Financial Advisor spoke with him about how its just an
MLM Scheme, like Amway, Mary Kay, and many other berry juice
and other MLM Schemes. The gist is to have a product where you
inflate the price and thus it allows you to pay everyone in the
Downline. Give it a try and learn the hard way or listen to words
of wisdom and go visit a reputable firm and ask them about
Primerica.
If you are trying too hard to defend your position,
there is almost always a reason. Remember that kids.

14 December 2008 at 3:32 pm
AMEN!!!!!
Julius Midtown This Saturday I
had a Primerica headhunter call me during my shift at my

current sales job, asking if I wanted to meet for coffee etc etc, as
he had heard I was very good with people. I already knew all
about this company, and since he decided to take me away from
my sales and possible commissions for ten minutes to offer me
the chance to throw away my career, I thought Id return the favor.
At 2:30pm this Monday (20 minutes after our scheduled meeting
over coffee) I received an Im here, where are you? message.
This was soon followed by two more hoping I was still coming and
I guess something came up, call me to reschedule. oh! And did I
mention I asked for our meeting to be in my end of town, which
was really just the farthest place i could think of from the office
address hed told me? Sucker
24 December 2008 at 12:36 am ken To those out there who think

Primerica is a scam,
I {IT'S PROVEN IS! -ROCKY } probably is.
{IT IS } you will never ever have a real opportunity in life to make
$100,000 a year or more.
{ BET ME
~ ROCKY } ughts that
every good opportuinity in life is a scam,you deserve what you

get.Hard work,bettering yourself,and being around positive people
is not a scam.If you read Art Williams book Coach you will
understand why he started this company 32 years ago.Primericas
last quarter earnings showed a profit,did you?
READ MY ENTIRE EXPOSE.
I CHALLENGE YOU.
THAT'S A LIE!!
-ROCKY
truly { SIC: CAPITALIZE! - ROCKY } inspiring people who do help
the MIDDLE CLASS.
ow { sic -Rocky } much do I need to have to
talk with portfolio manager? Can I invest $50.00 a onth { sic }

with your firm? And what is the average salary of a college grad.?
Can you ever work your way to owner? More importantly can you
ever become financially independant? { SIC: SPELLING AGAIN! ROCKY }
YEP.
ROCKY
DECEIVED.
YOU HAVE BEEN
SAM WALTON, J. PAUL GETTY, DONALD TRUMP
WORKED THEIR WAY UP AND THEY ARE AND WERE VERY, VERY
OBVIOUSLY FINANCIALLY INDEPENDENT.
WHY IS IT THAT CON
AMERICA CULTISTS NEVER CAN SPELL OR HAVE ENGLISH

GRAMMAR ABOVE A 2ND GRADE LEVEL???
ASK THE LORD TO
GIVE YOU COMMON SENSE BEFORE YOU GET TAKEN, AS I WAS.

29 December 2008 at 12:03 am s. AI was offered a job with

Primerica, while I was working at my current. I kept in contact
with the man who approached me, and set up an interview. I
went and bought a cute dress looked amazing. I forced my
boyfriend to go with me, because a meeting at 7:30 at night was
sketchy. I thought Id try it though, well when we pulled up to the

building, there were ALL these people. I called this man, and he
came to meet us outside. It was a seminar, it was CRAZY. They
never said how they were making the money. The first gentleman
to get in front of the group to speak, said no one else was a
public speaker LIES, no one said um once. This was
rehearsed. It was acting. They werent recruiting, { sic: : } they
were lying.
They had a small space for all these people to sit, it
was long and uncomfortable. They had people in another room

who were training and who were now with the company, from
across the hall we could hear them laughing and making jokes..
probably about all the people I was sitting with who were buying
into everything Primerica Reps were saying. When it was over, the
man who recruited me asked my boyfriend and I what we
thought, I told him it felt like a CULT, that they were vague, and
that though he was very convincing, I felt like people were acting,
I told him I had many concerns but that I felt like I should be open
to new opportunites. My boyfriend was explaining the same, and
we said we would research the company. Well, the moment we
said we were going to research and look into the company before
we gave any information, he said that we werent the kind of
people he was looking for, and that he wished us the best of luck.
I shook his hand and we left. Not looking behind us. Just pissed
we wasted so much time. An interview???
( They are ) liars, cheaters. crazy cults.
An interview my butt!
AMEN!!
ROCKY
http://www.pissedconsumer.com/state/shaanxi/city/xian.html
6 January 2009 at 9:13 pm Melissa was called earlier this morning
by a gentleman representing Primerica Financial. He found my
resume on a very well known job-seeking website. This gentleman
made this company sound like something fantastic. I informed him
early on that I recently lost my job and he sounded even more

eager to schedule my interview. I accepted, as the economy has
given me no other bites for employment. He stated that if I liked
what I heard at the interview slash orientation, I would be
invited back for a second inerview. Ive never done anything like
this before, was started getting a little skeptical, but decided
whta the heckI looked up Primerica Financial online and read
more negative things and personal experiences and am ever so
grateful that I did not get fooled.
Thank you for the comments
and helpful information about the pyramids and recruiting. I am

not looking to fool anyone as part of my job, nor am I looking to be
a part of something where I am not genuinely helping people.
Thank you again for those of you who have taken the time to
educate other potential victims of this company and their true
intentions.
YOU ARE MOST WELCOME.
ROCKY
My experience:
Mike, a long-time friend of my husbands{sic},
told us that he had just started working for a financial planning

company and asked if he could come over and give us his spiel.
He made it sound like this meeting would actually just be him
fulfilling some sort of training or quota requirement. It would be
doing him a favor. Mike didnt give us any indication what kind of
services he would be presenting to us, but we assumed that it
would ultimately have something to do with investments. Because
my husband and I are relatively satisfied with our current
financial situation, we werent terribly curious about what Mike
had to offer us however, were open minded and after all, we
were doing our friend a favor. My husband and Mike scheduled the
meeting to take place in our home at 6:30 PM on a week night.
This wasnt a particularly good time for me since I get home from
work at 6:00 and have a routine of things that I need to get done:
preparing dinner and making our lunches for the next day, etc
Since it was an informal meeting between friends, my husband
and I figured that he could be the one to entertain Mikes
presentation while I listened from the kitchen.Shortly before the
meeting, we learned that Mikes supervisor (or trainer or

something) would be coming along and that this supervisor would
ultimately be the person presenting the companys services to us.
This was a bit unnerving because the meeting was originally
presented as an informal favor for a friend. Now it seemed to be
turning into a full fledged business meeting with our friends boss.
Had the actual circumstances of the meeting been explained to us
in the beginning, my husband and I probably wouldnt have agreed
to it.Mike and Carl (the supervisor) showed up on time and
introduced their company: Primerica which neither of us had ever
heard of. My husband and Carl made small talk while I puttered
around in the kitchen making dinner. My husband made a few
attempts to get the ball rolling by asking what sort of services
Primerica provides, but Carl made it clear that he would wait until
I was finished in the kitchen. Im sure that he was just being
polite, but I thought that he was missing a social cue If my
husband and I were alright starting a presentation without me
then he should be too.So, with our dinner on hold, both my
husband and I gave our friends boss our fullest attention. Carl
started by saying that he wanted to get to know us which
consisted of asking us a series of ridiculous questions like: If you
could make any amount of money, how much would you like to
make?, If you could retire at any age, what age would you like to
retire at? and If money was no object, what would you do or
buy? You can imagine how pointless our answers were and Carl
never did get around to telling us how Primerica could help us
earn 100 trillion dollars a year while retired so that we could buy
a unicorn.Carl then went on to assure us that by the end of the
meeting we would be convinced that Primerica was a legitimate
business that helped people. Carl really couldnt have waved a
bigger red flag short of calling Primerica a scam. He continued on
by showing us a series of statistics regarding consumer debt,
insufficient retirement funds and scarce savings accounts. Then
he showed us some before and after numbers of a couple, Bob and
Susan, that Primerica saved loads of money by giving them a
better mortgage and better life insurance and better savings AND
putting $500 back in their pockets every month! Then, if that

wasnt good enough, Carl told us that we could make big money
helping couples just like Bob and Susan. At this point, I stopped
Carl and asked him what exactly he was trying to sell us. Life
insurance? Investments? A career? Carl said that he could help
us with all of those things, but he was mostly excited about
offering us both career opportunities recruiting more people to
work as recruiters. Out of sheer politeness, we inquired about
Primericas life insurance policies and investment opportunities;
both subjects Carl didnt seem to have any concrete information
on. He was able to tell us about a seminar the next night where
we could learn more about Primerica, but that sounded like it was
geared for recruiting employees as well. We finally asked Carl to
leave some literature about Primericas products and services so
that we could learn more about the company. Unfortunately, the
only literature Carl had in his big important briefcase on wheels
was a scant brochure about career opportunities as a recruiter.
Now Im not saying that Primericas a scam or a legalized pyramid
scheme.
{ WHY NOT?
You can tell that con America is!
ROCKY }
t saying that Carl was a representation of all of Primericas

employees. Im not saying Primerica doesnt have tangible
products and services. Im not saying that people cant make
money with Primerica recruiting people to be recruiters. All I can
say is that after that meeting I know I never want to do any kind
of business with Primerica.
5 February 2009 at 12:34 pm The Financial Blogger usuallly dont
try to plug my post, but since you are referring to them, I think
you should also take a look at a question from one of my readers:
http://www.thefinancialblogger.com/a-reader%E2%80%99squestion-about-primerica-multi-level-marketing-business-model
there are about 55 comments that will also help you out
understand what is crime done to America.
BUT DO THEY
EXPOSE THE CRIMINAL, FRAUDULENT INTENT OF A.L.WILLIAMS CON AMERICA?
I DO, AND I HAVE SPENT A GREAT DEAL OF
TIME FOR THE LAST 31 YEARS DOING THIS:

and thx for the mention!
YOU ARE WELCOME!
- ROCKY
cheers
LORD BLESS:
ROCKY
TFB. 11February2009 at 7:43 pm ECI was contacted by a rep this
past Tues. When I asked exactly what is the company about and
what were they selling. He went round and round the bin, up
younder, and over the chicken coup. And I still didnt know what
Primerica was about. So his ambiguous response made me want
to do some research on the net before our little interview. Im so
glad I did. I thank all you guys for taking out the time to share
your thoughts and comments. Now, I feel like I can make an
intelligent decision as to what I need to do now. Thanks again.
YEP:
ROCKY
11 February 2009 at 12:47 am jroseville My my my, you Primerica

folks! so proud of yourselves are you? oh, stop bad mouthing us!
well, where are your Art Williams and John Addisons now?
Canceled conventions? Canceled company trips? looks like the big
sugar daddy has lived the large life too long and came falling
down! been down this road with P and found the RVP is a fair
weather fan. one minute youre the next up-and-coming RVP and
then youre a doormat the next. as long as you bring in the fresh
meat, youre da bomb! but as soon as the #s start to dwindle, so
does your fan base! have fun at the next convention. lol
23 February 2009 at 10:22 pm
Thank you, thank you, thank you,
for all the varied responses. I had a gut feeling at the overview
that this company was using Little people to get to the top.
Sorry to say my own cousin lead { sic }me there. I am not going to
my interview today!
THAT'S A FACT!!
GOOD FOR YOU!
SUPPORT THIS GREAT ENDEAVOUR.

SOULS ALL READY.
I HAVE HELPED A LOT OF
nextaxpro@yahoo.com
ROCKY
25 February 2009 at 11:53 am Craig Hansen Bonified?!?!?! {
-deleted crass - Rocky } that was satirewell done. If that was a
serious attempt at a glowing endorsement of Primericait was
still funny.
one posted.
same old Deborah.
Offering "rebuttals" to the first
If conAmerica is go great, why are you so scared?
Because you DON'T WANT THE PUBLIC TO KNOW THAT CON

AMERICA IS A BOILER ROOM, FRAUD, PIRATE PYRAMID SCHEME!!!
If conAmerica is go great, why not pay me for my lost time,
inflation factor, interest, penalty;
being ripped off, not having a
protected territory which resulted in numerous lost sales, et

cetera?
My exposes are well
documented and you and all the others only defame. You have no
concrete proof so you slander, lie and attack those who tell the
truth.
furthermore, and this has not been pointed out, if con
America is so great and you make all these millions and hundreds
of millions, why not take over milico and YOU PAY OUT THE
CLAIMS WITHIN 3 HOURS, instead of the usual 6 weeks, if the
claim is paid AT ALL????
4 March 2009 at 7:09 pm Tracy Coenen Craig Thank you for

pointing that out so that I didnt have to.
5 March 2009 at 1:09 pm Carlos I just want to thank everyone for
telling their stories. Ive been unemployed for 3 months and was
called for an interview today. I was told it was a great
opportunity and that it would change my life. As it is Im in debt
because times are tough THANK YOU ALL on behalf of my 3 and
1 year old girls Im struggling to keep happy!!!!
PRAY TO THE LORD JESUS.
SITUATION.
PRAY PRAY
I HAVE BEEN IN THE SAME
THANK YOU FOR YOUR TESTIMONY.
UP AND REMEMBER ME TO YOUR CHILDREN:
NEVER GIVE
Rocky
17 March 2009 at 3:58 pm Luiz
LEARN HOW TO SPELL !!!
WHAT ARE YOU DEFENDING OR ATTACKING?

- ROCKY
Really { sic: ..
} guys { SIC: COMMA - Rocky } how can any one read these false
stataments and acusations { SIC: SPELLING } and accually {SIC }
belive { SIC } tham{SIC}? What i { SIC } understand is that at lEAst
{ SIC: TERRIBLE. JUST TERRIBLE!! [ ROCKY } 3% of the
population that is put into this world, are simply here to complaint
{ sic: spelling - Rocky }, if you tryed { SIC } primerica and it did
not work for you, this simply means you did not put any effort into
it { LIAR LIAR LIAR!! DOCUMENTED BY OTHERS AND I - ROCKY },
and the products primerica offers { LIAR!!
DOCUMENTED BY
OTHERS AND I - ROCKY } really do help pleople, and there are

proof!!
{ sic: Capitalize! - Rocky } check out the better business
bureau the are an A+ rated company, {WHAT A CRUEL LIE!!!!
YOU
ARE TOLD THAT YOU WILL MAKE A TON OF MOOLA WITHOUT ANY
EFFORT!!
AND, AS I HAVE DOCUMENTED, LOOK UP WHAT I
EXPOSE ABOUT THE WORSE BUSINESS BUREAU!! - ROCKY }} if

there really was { SIC: WERE.
DO NOT TYPE UNLESS YOU
REALLY KNOW ADVANCED ENGLISH GRAMMAR, YOU IMMIGRANTE

ILLEGAL!
- ROCKY } any truth to all the aligations { SIC!! }
against the company { SIC: . } there should be record of it

somewhere { SIC: . } right???
w{ SIC } here is it??
YOU'VE GOT
IT- IN 100 MILLION OR MORE BLOGS, WEBSITES, BOOKS,

BOOKLETS, MAGAZINES, BILLBOARDS, BULLETIN BOARDS,
COURT DOCUMENTS, COURT WEBSITES, TAPES, DVDS, LEAFLETS,
TRACTS, ARTICLES, ET CETERA^, CEMENTHEAD!!
I HAVE
WEBSITES LISTED HERE ON THIS WEBPAGE, ON MY WEBSITE

AND, ON OTHER WEBSITES.
ARE YOU SMOKING?
LEARN HOW TO SPELL!!!
WHAT
GIVE UP YOUR BOOZE, POT, PCP, CRACK!
You had better know what you are doing before you get in to this
business, and there are a whole lot of other varmits out there.
have been doing Federal and State income taxes for a number of
years.
You had better be pretty well to do better than I have.
But I am a lot better at my business than I was when I began.

thought that I was pretty smart.
However, no matter how smart
you may think you are, you will IMPROVE AND BECOME MORE
KNOWLEDGEABLE as time goes on.
When ever conAmerica and
others come along and ATTEMPT TO BRAINWASH you WITH AN

IMPOSTER, MOUNTEBANK LINE OF STORYBOOK FAIRY TALE LIES
that you will make a boatload of money, you had better do your
research and CHECK with those whom have been in THAT
SURREPTITIOUS business in times past!
TO CON AMERICA,
MARKET AMERICA, HERBALIFE, FOR U, AL PINE, wAMWAY, mary

kay, prepaid legal, and a lot of others, you are a CUSTOMER.
YOU do not get "trained".
LEARN SPELLING, PUNCTUATION,
SIMPLE ENGLISH GRAMMAR AND GRAMMATICAL CLARITY!!

FURTHERMORE, WHAT ARE YOU DEFENDING OR ATTACKING?!
You are told that you must pay.
When you go to work for
Farmers, Met life { ughh! }, massachusetts mutual { ughh } and

very nearly ALL of the insurance companies, mutual fund
companies, stock fund companies, or any entity {IRS Form 8832 },
you are trained and taken care of FOR NO FEE(S).
carefully selected.
You are
You CANNOT just go in to business and make
millions, as con America promises you.
THAT PYRAMID PATCH
OF BLUE SKY OUTFIT PRESSURES YOU to buy a policy.

WHAT?!!!!
What about good treatment as I am a representative
of con America, market America, herbalife and so on?

NO!!
NO NO
YOU are a CUSTOMER, and as a CUSTOMER, you are to be
sucked dry in case you do not get LEADS for your "up-line" and the
double crossing dissembler reprobate who runs this CON
MALIGNER BEARER OF FALSE WITNESS!
Firstly,
you are told you will NOT be paid until you obtain a
license. You say "nothing was said that you have to have a
license to work here. And, you already have my SS number".
Well, you were finally told AFTER the sleazy one got you all
excited about making 50000, 200000 or even more {less than .005
do}.
"What? What if I get five; they all get five; they get five?
Where will all these workers fit??
There's very limited space."
You only hear: you must RECRUIT, RECRUIT, RECRUIT. }

You had better realize that you are not going to make money
unless you work hard.
You especially WILL NOT NOT NOT make
money if you are enrolled in a pyramid scheme, as a.l. williams,

now primerica;
market America, 4 U, al pine, herbalife, prepaid
legal and a number of them are.
You are told you will make tons
of money will very little effort.

23March2009 at 12:06 pm CONCRETEHEAD MARIJUANA

AIRHEAD!! WHAT IS WRONG WITH A PYRAMID ENTICER PIRATE??!
IN OTHER WORDS, YOU HAVE NO MORALS NOR SCRUPLES!!
ARE A SERIOUS MENACE TO SOCIETY!!
YOU
WAIT UNTIL ONE OR
MORE OF YOUR LOVED ONES GETS TAKEN!!!
IT WILL HAPPEN!!
THE PYRAMID HAS BEEN GOING ON FOR 39 YEARS AND YOUR

LOVED ONES WILL BE APPROACHED, IF THEY HAVE NOT BEEN
ALL READY!! - ROCKY
Very good article WOW I am just
falling down. Who pay you for writing it. { SIC: grammar AND
PUNCTUATION again. - Rocky } Do you really know what you are
writing about. { SIC: PUNCTUATION
- ROCKY } What is wrong
with MLM { WHAT'S WRONG WITH PYRAMIDING?!
IT IS IMMORAL,
ILLEGAL, AND ALL WHO PARTICIPATE IN TRICKSTER SCHEME

SHOULD BE INDICTED, TRIED, AND, IF CONVICTED - EXECUTED!
WHAT DO YOU NOT UNDERSTAND ABOUT THE FACTS? - ROCKY }
specialy {SIC} the products are so good { WHEN! - ROCKY } and
competitive { ALWAYS ALWAYS ALWAYS OVERPRICED! - ROCKY }
to all offered by banks, { SIC: . OR ; - ROCKY } the idea of the
company was to create competitive products to help people with
their financial problems and what is wrong in it????? Is { SIC:
GRAMMAR AGAIN - ROCKY } also something wrong that people
they work in the company they have opportunity to earn money
you are funny!!! Beacouse {SIC: SPELLING AGAIN - ROCKY }
people in this industry they do not earning any money??? And
what is wrong if one person use other people to earn money is it
something new or illegal??? Oh men you are so funny. Sorry I do

not want to waste more of my time for such a demagogy.
BECAUSE OF A MARVELOUS INVENTION BY GOD CALLED
CAPITALISM.
YOU MAKE MONEY FOR YOU AND YOUR FAMILY,
NOT NOT NOT SOME "UP LINE", OR THE CON MEN AND WOMEN
WHO CONCEIVED THE SCHEME!
YOU ARE A DONKEY!!
WHY IS
IT THAT ALL PREVARICATORS ATTEMPTING TO DEFEND AN

OBVIOUS SOPHIST BENEDICT ARNOLD FRAUD FALSE WITNESS
BACKSTABBING CANNOT, YES CANNOT SPELL, PUNCTUATE, USE
APOSTROPHES, PERIODS, COMMAS, SPEAK WITH CLARITY AND
USE SIMPLE ENGLISH GRAMMAR BEYOND THE SECOND GRADE??
WHY DO YOU SUPPOSE THAT IS?
- ROCKY
CONCRETEHEAD MARIJUANA AIRHEAD!! WHAT IS WRONG WITH A
PYRAMID ENTICER PIRATE??!
MORALS NOR SCRUPLES!!
SOCIETY!!
IN OTHER WORDS, YOU HAVE NO
YOU ARE A SERIOUS MENACE TO
WAIT UNTIL ONE OR MORE OF YOUR LOVED ONES
GETS TAKEN!!!
IT WILL HAPPEN!!
THE PYRAMID HAS BEEN
GOING ON FOR 39 YEARS AND YOUR LOVED ONES WILL BE

APPROACHED, IF THEY HAVE NOT BEEN ALL READY!! - ROCKY
{ SIC: CAPITALIZE!!
- ROCKY } come on now { SIC: . } quit you
{ SIC: SPELLING! } winning, if you tryed { LEARN SPELLING AND

GRAMMAR!!!!!!!!!!!!
- ROCKY }
You are NOT screened to see if
you are able to sell life insurance and securities. {sic} this
company and got lisenced { SIC SIC SIC ALL OVER THIS FALSE
WITNESS STORYBOOK MALIGNER!! } remember you still have that
lisence { LIAR LIAR LIAR. AND, MORE SPELLING TERRIBLE
MISTAKES - ROCKY}, and by the way you should also know the
term twisting, yes there are bad people in this world that are
simply out there to make a buck what ever it takes, however there
still are people who enjoyes { SIC: SPELLING! } helping others!
and those who are selling products that does { SIC } not benifit
{SIC } the contumer, can and will be prosecuted and will also get
his/her lisence { SIC: SPELLING AGAIN!! } revoked, { SIC: PERIOD.
AND, YOU ARE A LIAR!
THIS SELDOM OCCURS!
YOUR YOUR YOUR LICENSE REVOKED?
HAVE YOU HAD
OR DO YOU ONLY SELL
OVERPRICED TERM AND WHOLE LIFE? - ROCKY } so { SIC:

COMMA! }
with that in mind i holpe { SIC: SPELLING!! } any one
deciding as to reather { SIC: SPELLING AGAIN! } or not this would

be good for you, ask yourself!!
[SIC: CAPITALIZATION!! -
ROCKY
} are you willing to help people you have never met? {SIC!! } and
how much effort are you going to use to help these people? {SIC!!
} sounds simple {SIC!!! } how ever it is not!!
OR linda.
Same old deborah,
Offering "rebuttals" to the first one posted. And even
before at times!!!
LEARN HOW TO SPELL!WHAT ARE YOU
DEFENDING OR ATTACKING??
are you so scared?
If conAmerica is go great, why
Because you DON'T WANT THE PUBLIC TO
KNOW THAT CON AMERICA IS A BOILER ROOM, FRAUD, PIRATE

PYRAMID SCHEME!!!
If conAmerica is go great, why not pay me
for my lost time, inflation factor, interest, penalty;
being ripped
off, not having a protected territory which resulted in numerous

lost sales, et cetera^?
My
exposes are well documented and you and all the others only
defame. You have no concrete proof so you slander, lie and attack
those who tell the truth.
Furthermore, and this has not been
pointed out, if con America is so great and you make all these
millions and hundreds of millions, why not take over milico and
YOU PAY OUT THE CLAIMS WITHIN 3 HOURS, instead of the usual
6 weeks, if the claim is paid AT ALL????
AND, WHY WHY WHY
IS IT THAT ALL ALL ALL PIRATE AGAINST AMERICA PHONEY

SHYSTER QUACK CHARLATANS DO NOT KNOW GRAMMAR,
SPELLING, PUNCTUATION, CAPITALIZATION BEYOND THE
SECOND GRADE???! - ROCKY
25MARCH 2009 AT 7:27 PM mj1987 Primerica is not a job

opportunity, as many have emphatically said in defense.
This is
true. Unfortunately, there is the problem; it is often advertised as

one. Im not going to get into the Mult-Commission argument or if
Primerica offers better services or not. The problem most people
have, I believe, is how the opportunity is presented.
Nobody
wants to spend time and money driving to what they believe is a

job interview when it really is a business opportunity { SO SORRY:
NO IT ISN'T: - ROCKY } with cost up front.
I realize not
everyone recruits like this but many do and so does the company.
If you have seen their job openings on job sites or have been
called by them, this is not apparent.
On the phone, they are
unable to answer very simple questions that I would expect any

other employer to answer if I was to ask about their company.
The sad part is, this works against them.
People then go on the
internet, read blogs and have the negative feeling that they were
being conned. I, like most people without a suitable background,
found it odd to be contacted for an opening based on my
qualifications for a potential high paying job.
Sorry, but that
doesnt sound remotely right and most people know at that point
that it cant be exactly as advertised. The company needs to stop
doing this, as it is subtly deceitful and in the end, is what helps
give it a bad name.
As for the Primerica opportunity, Im sure
that after 30+ years, there is something to the opportunity for

those willing to put in hard work, just like many similar
opportunities with similar backgrounds (both Melaleuca and
Amway actually have strong financial stability, long histories, and
have garnered prestigious international awards for their
companies, as well as producing financial independence in some).
{ THAT'S HIGHLY DEBATEABLE:
ROCKY }
Hopefully Primerica
reps will read this and not see this as a personal attack on them
but as something to consider.
Every company can improve and
they all have areas that need to be fixed. In my opinion, working

on how the opportunity is presented would help their image and
eliminate a lot of the complaints people have, as well as get more
people to consider the opportunity.
P.S. I am not affiliated with
Primerica but have a friend who is starting soon and going to get
licensed in a few weeks so Ive looked into it a bit more to
understand what theyre doing.
Plus I was contacted by them
several months ago and looked into it a bit then an decided that
wasnt the direction I wanted to go.
I will state my opinion on
them is basically neutral as I dont have definitive evidence yet on

them as a whole as far as their product and service goes
compared with all their major competitors, so I will not say
anything else about them that would be speculation
11April 2009 at 12:25 pm Lehigh Valley

never get posted, but here goes.
This comment will
Why are you promoting multi
level marketing schemes on the same page you are purporting

yourself to be a lily white fraud investigator. { SIC: ? Who is
"promoting pyramids?
I AM EXPOSING PYRAMIDS!! - ROCKY }
am not into MLMs never, have and never will be.
A friend asked
me to research Primearmerica { SIC: ROCKY } and gave me your

site.
She now wants to get into an MLM as a result of being
baited and switched by you into one of the scams you are
promoting on the right hand margin of your site. S
you!!!
{ WHOM are you talking to?
hame on
Are you another brain dead
rsvp? - Rocky }
16May 2009at 11:59 pm Tracy Coenen LOL - Im not baiting and
switching anyone, nor am I promoting any MLM.
As you are well
aware (or as you SHOULD be aware before you go around throwing

meritless allegations at me), Google serves up advertisements
based on the keywords on the pages (which in this case often
mention MLM scams), and doesnt give me the opportunity to
block the MLMers. Yes, I can block some, but there is a limit to
that, and I exceeded the limit months ago. Im sorry your friend
wasnt smart enough to evaluate the MLM and decide against it.
16May 2009 at 10:58am
Tracy Coenen No, Mike, regular
insurance companies and agencies are NOT the same as

Primerica. Primerica hangs their hat on the fact that youll believe
that, based on one similarity: commissions.
But a real
insurance agency is far different from the multi-level marketing

model Primerica uses. { PYRAMID MODEL:
- ROCKY }
23May2009 at 7:04 pm Tracy Coenen The biggest difference is
that an insurance agency is actually focused on selling insurance,
whereas the #1 focus at Primerica is recruiting new marks into
the scheme. In a real insurance agency, the person who sells the
insurance makes the bulk of the commission, as it should be. In
Primeica, those above the seller collectively make much more off
the sale than the actual seller. (This is common in all MLMs.. not
rewarding the actual seller for selling, and instead giving most of
the rewards to those who are recruiting.) And no, I dont work for
an insurance agency.
23 may 2009 at 9:01 pm Tracy Coenen
No, they dont recruit.
Insurance agencies do hire new agents, but only two parties will
get commission on the sale of insurance: the agent, and the
agency itself. No one else.
Not like the pyramid in Primerica or
other MLMs which pay 8 to 10 levels.
If you want to know that
the commissions are in a real insurance agency, ask an insurance

agent.
24 May2009 at 8:37am Tracy Coenen
No, Mike, thats not what I
said. What I said is that on the sale of insurance, the agent who
sold it will get a commission, and the agency the agent works for
may also get a commission.May 2009 at 3:04 pm acy Coenen The
statement isnt vague at all. The agency might get a commission
too. The agency might not. (Hence the use of the word may.) It
depends on the insurance company or companies the agency is
aligned with, what their agreement says, and what type of policy
has been sold. So for the third and last time, the person who sold
the insurance policy will get a commission and the agency might
get a commission.
28 May 2009 at 7:27am Tracy Coenen Mike I know because I do
work in the industry. Im not interested in researching this

commission issue for you. Good luck finding the information you
seek.
29 May 2009 at 11:12 pm
Tracy Coenen Mike It is possible for
someone to do work in the insurance industry without working for

an insurance agency. Surely youre aware that there are lots of
different jobs and consulting opportunities in the insurance
industry? S o both of those statements are true. I do not work for
an insurance agency, but I have done (and still do) work in the
insurance industry.
29 May 2009 at 11:40 pm stufrog { "stu frog" is some lunkhead
airhead animal rights sinsick satan lover!!
"stu frog" IS SOME
ANIMAL RIGHTS FROG CEMENTHEAD!!

I find it funny that traditional insurance agents have a problem
with Primericas model.
{ HEY, AHH!
read some of the violations here!!!

have a "model".
BRAINDEAD RODENT!
pirate vs. America doesn't
They have a preconceived fraud, cozen,
hoodwinking, wolf in sheep's clothing judas iscariot fraud!

-ROCKY }
Well, primericans have a problem with traditional insurance
agents products: cash trash value products.
What I found is
that cash value life insurance products are the real scam!
CONAMERICA IS A REAL SCAM.
INFORMED! - ROCKY }
READ MY WEBSITE!
{ AND
GET
Primericas model is just like real estate
brokerage, except with more agency levels and 6 levels of backend royalties. What is so wrong with that? { YOU DON'T RECEIVE
IT, CEMENTHEAD OAF!
ROCKY }
THE ROUNDERS OF THE FRAUD DO! -
Sounds like a pretty good deal to me!
Oh and dont
give me that whole Primerica has expensive Term
blah, blah,
blah.Until someone really sits down and does a comparison you

wont know. Likewise, even if it were a little more expensive in
some cases, so what! The benefits and features unique to
Primerica Life Insurance are worth it! { WHAT A BRAINDEAD
CONCRETEHEAD SERPENT!!! - ROCKY }
I dont know about yall
{SIC -ROCKY } but I dont live in the cheapest house in town, just
because its cheaper!
Whole life agents typically sell Term that
is only guaranteed renewable into whole life!
{ THAT'S WHAT
CON AMERICA DOES. AND THEY SELL STRAIGHT PERMANENT

LIFE (WHOLE LIFE).
THEY DON'T TELL YOU THIS. - ROCKY }
How about a Term policy that is guaranteed renewable till age

100. Then invest the difference? >>
Its a NO BRAINER!
Then
guess what, if you want to be a messenger for helping others, you

can join and get paid! Is that a good thing or a bad thing?Then
guess what, if you train and develop leaders, the company will pay
you a ton of money for helping families! Is that good or bad!
Nobody in Primerica gets paid for recruting.
YOUR PANTS ARE ON FIRE.
REPENT! -ROCKY }
{ LIAR LIAR LIAR.
YOU WILL BURN IF YOU DO NOT
Paychecks are sent out when business is
transacted! If you want to find out what a pyramid scheme

is.see Bernie Madoff!
{ AND YOU!!!! - ROCKY }
a victim mentality. inners have a victor mentality.

mentality do you have?
{ COMMON SENSE.
Losers have
Which
AND I CAN READ -
ROCKY
same old Deborah.
Offering "rebuttals" to the first one
posted.
If conAmerica is go great, why are you so scared?
Because you DON'T WANT THE PUBLIC TO KNOW THAT CON

AMERICA IS A BOILER ROOM, FRAUD, PIRATE PYRAMID SCHEME!!!
If conAmerica is go great, why not pay me for my lost time,
inflation factor, interest, penalty;
being ripped off, not having a
protected territory which resulted in numerous lost sales, et

cetera^?
My exposes are well
documented and true and you and all the others only defame.
You have no concrete proof so you slander, lie and attack those
who tell the truth.
Furthermore, and this has not been pointed
out, if con America is so great and you make all these millions and
hundreds of millions, why not take over milico and YOU PAY OUT
THE CLAIMS WITHIN 3 HOURS, instead of the usual 6 weeks, if
the claim is paid AT ALL???? }
10 June 2009 at 1:57 am
Tracy Coenen
The problem with the
commission structure in MLMs is that the person who actually

sells the product or service is not receiving the bulk of it. Most of
the commission is going to the upline who, in reality, had little or
nothing to do with the sale. Thats what we call an endless
recruiting scheme in which the money is actually made from
recruiting rather than selling the product or service. The business
of recruiting helps very few people, and certainly doesnt help
those at the bottom of the pyramid make money.
June 2009 at 7:30 am
Tracy Coenen
Its common to use typical
corporate jobs to justify the MLM structure, but it just doesnt

hold water. MLM is pay to play, while corporate jobs PAY YOU. And
there are not 8 levels of people being paid on one sale in the
corporate world. In the real corporate world (such as insurance or
other commissioned sales) the bulk of the commission goes to the
actual sales person, with one or two others also being
compensated. In MLM, the bulk of the commission goes to
everyone BUT the person making the sale. Thats why I dont like
the structure of Primerica. You cant make a decent living in
Primerica without recruiting hence it becomes an endless chain
recruitment scheme. Members are constantly searching for new
recruits as the try (almost always unsuccessfully) to earn a living
wage in Primerica. And theyre usually forgetting that all theyre
really doing is recruiting competition and therefore taking sales
opportunities away from themselves. I know of no industry
outside of MLM whose purpose it is to recruit as many
COMPETITORS as possible. Dumb.
16 September 2009 at 11:23 am Channing W. : this guy or girl ~
IS A FRAUD ATTEMPTING TO DEFEND A PYRAMID SCHEME
BECAUSE HE KNOWS, KNOWS, KNOWS THAT IF THE WORD GETS
OUT, HE HAS NO CHANCE OF SELLING A FRAUD.
-ROCKY
We are not recruiting competitors, we are recruiting teammates.

If we recruit someone, it isnt taking sales away from us, its
adding to our sales
{LIAR! DO YOU REALLY, TRULY, SINCERELY
THINK THAT ANY ONE WOULD FALL FOR THAT LIE ONCE SUCKED
IN TO THE CON FOR ONE, TWO, THREE OR FOUR MONTHS??
DO
YOU REALLY THINK THAT, ONCE THE DECEIVED WAKE UP, THAT
THEY WILL THINK OF YOU AS "TEAMMATES"???!
JUDAS BACKSTABBER!! -ROCKY.
WEBSITE AS HAVE OTHERS}
YOU ARE A
I'VE PROVED HERE IN MY
Even if the recruited gets more
sales than we do, we get compensated for it too; so how is that

taking sales away?
{ BECAUSE YOU DID NOT EARN IT IMPOSTOR
INVEIGLER, THAT'S WHY!!!
I HAVE EVEN HEARD PIRATE
AGAINST AMERICA AND HERBALIFE SWINDLERS DEFEND, YES

DEFEND!!
THIS BEGUILER, FRAUDULENT, OAF, VILE PRACTICE!!
YOU DON'T DESERVE TO BE COMPENSATED, LIAR, MISLEADING,

FALSIFIER, PERJURER MISLEADER OF THE PUBLIC!!! - ROCKY }
Also, in Primerica, it is not necesarily true that the bulk of the
commission goes to everyone but the seller. If you are at a
division leader position, you earn a 60% contract and if your
recruiter is a regional leader, then they earn a 70% commission
(in general). Now, if the downline makes a sale, the upline makes
the difference of it and the difference between 70% and 60% is
10%, so the upline is only making 10% of wat that commission
was while the seller made 60% from the commission. Granted,
sometimes it is the other way around, where the difference in
commission is a lot greater than wat the seller would make ( i.e.
an RVP making 95% and a new rep making 25% the difference is
70%) but this isnt
{SIC} the case all the time. If you are a newer
rep, you cant expect to make as much as a 10 year seasoned vet,

the same as if you are new on the job { WHAT IF THE "NEWER
REP" EARNED IT AND THE LAZY, LEECHING "SEASONED VET" DID
NOT EARN IT?!
THIEVERY!!
LIAR!!!!
YOU ARE COUNTING ON IGNORANCE OF THE
SIMPLY STATED, YOU YOU YOU ARE A LIAR LIAR
-Rocky } u wouldnt expect to make more than the 5
year seasoned department manager, or the 30 year store manager,

or anyone else above you that has been working alot { SIC:
Rocky
} longer. { LIAR!! - Rocky } Corporate jobs dont PAY YOU, they

TAKE from you.{ LIAR!!
ROCKY }
are worth, { YOU OUGHT TO KNOW!

DESERVING PRISONER'S WAGES!!
They do not pay you what you

YOU ARE A PIRATE, THUSLY,
- ROCKY } they pay based on
the job position therefore, you have no credibility. If Oprah

Winfrey wanted to stop doing what she was doing to be a fryer at
McDonalds, do you think they are going to pay her loads of money
because she is Oprah, or they are gonna pay her $7.00/hr jus like
all the other fryers? { DEPENDS UPON WHETHER SHE DOES HER
PROFANITY, OBSCENITY, SLEAZY, CRASS, GROSS PERFORMING,
CEMENTHEAD!
- ROCKY } They are going to pay her what a fryer
makes Therefore, you are being paid based on the JOB, and not
what you can do, bring to the table, or anything else. It doesnt
{ SIC:
YOU FORGOT THE APOSTROPHE! - ROCKY } matter how
much education you have and if you received your Masters or

Doctorates degree, you are still going to make somewhere in the
range of WHAT THE JOB PAYS! At least with what we do (as with
any other commission job) you get paid based on what you bring
to the table. { THAT'S A LIE, YOU VARMIT, RODENT, FOUR
FLUSHING CARD SHARK CONFIDENCE MAN!!
EVERY LIAR KNOWS
WHEN HE IS LYING! - ROCKY } If you slack and don't {SIC} put in

much work, then no you will not succeed in Primerica, or any
other corporate commission jobs out there. But I know I work my
butt off when I have a job, so I would rather work for a company
that pays me for how much I put in than to work for someone in
which I will only bring in the same paycheck regardless of how
hard I work. September 2009 at 12:22 pm
{ PROVE IT !
IF
YOU'RE MAKING ALL THIS MONEY WITH CON AMERICA, THEN PAY
30000 TO EACH OF YOUR POTENTIAL RECRUITS AS A GUARANTEE
THAT YOU WILL MAKE ALL THIS MONEY IN AN ILLEGAL, IMMORAL
PYRAMID CON MAN NEFARIOUS BOILER ROOM FRAUD FECES
SCHEME! AND, YOU ARE NOT NOT NOT PAID FOR WHAT YOU PUT
IN TO IT!!!
YOU ARE LINING THE POCKETS OF SWINDLERS, AND
YOU YOU YOU KNOW IT IS SO!
YOU YOU YOU ARE A CHEAT; A
PHARISEE, A SNAKE IN THE GRASS, A HYPOCRITE, A

COCKATRICE, A CHARLATAN, A CONNIVER CHISELER CON ARTIST
CROOK ROGUE INVEIGLER PARTICIPATING IN A SWINDLE AND
LINING THE POCKETS OF YOUR UP LINE ENTICERS!!
THAT'S FAR FROM ALL.
AND
WHY IS IT THAT ALL PIRATE AMERICA
DEFENDERS OF CHARLATAN DOUBLE CROSSERS CANNOT GET
BEYOND SECOND GRADE GRAMMAR, PUNCTUATION, SPELLING

AND GRAMMATICAL CLARITY?! - ROCKY }
Tracy Coenen You foolish foolish man. Of course youre recruiting
competitors. Thats one of the most poisonous aspects of MLM.
They are into recruiting large volumes of competitors.
And your
analysis of the commissions is terrible. Seems youve learned

some talking points but havent figured out how wrong they are.
THE PERSON WHO SELLS THE PRODUCT is not receiving the bulk
of the commission on the sale. THAT is what I said, but you used
numbers to address something completely different, while making
it sound like you were disproving me. I never said the person at
the top makes the bulk on each sale, just that the actual
salesperson is not making the bulk of the commission on their
personal sale. And YES corporate jobs pay you want youre worth.
If youve got skills that can earn you more than $7/hr, youre free
to go present those kills to anyone around the world and invite
them to pay you more. No one is forced to stay in any job in this
country. So long as the free market exists, you can go get yourself
a higher paying job any time you can find an employer who
believes youre worth more.
17 September 2009 at 1:56 pm
USANAWatchDog Also like to
point out (if it hasnt already been stated), that promotion in MLM
does not depend on how good you are at retailing the product or
service, but how well you can recruit additional business
associates into the pyramid scheme. The commission you are paid
is from those beneath you and the only reason you got a
commission is because those below you are required to purchase
the product or service on a regular basis in order to be
commission eligible. That is how MLMs pay you to recruit.
{ They DO NOT pay you!
You make money for them, provided you
are one of the less than one percent who can deceptively sell a
policy
-ROCKY
17 September 2009 at 7 Tracy Coenen Channing Different jobs

pay different wages. You understand that, right?
So the bottom
line is that anyone who is worth more than whatever job theyre
working in, can go find a different job that pays more.
Suggesting that MLMs pay you what youre worth is silly,
particularly since 99% of people who participate in them actually
LOSE money.
{ 99% or worse ~ Rocky }
18 September 2009 at 8:20 am
USANAWatchDog
Someone with
no experience at a construction company will get the starting

base salary.
As the worker gains more experience, their value as
a worker increases. That worker will get paid based on

performance, experience, and knowledge. That worker can then
take his talent from one company to another.
That new company
isnt going to start that individual at the lowest pay scale.

Comparing job talents from one type of career to another is
flawed in your argument. Of course when someone starts a new
line of work, they will start at the bottom of the pay scale.
Also,
the more education someone has the more money they will be
paid.
MLM is unique in that it doesnt matter how good you are,
you have to fight to be that 1% who make money. { I've met many
con men, robbers and thugs with PhDs - Rocky } If you took all
expert sales people with IQs of 200 and stuck them in an MLM
company, guess what? Only 1% of them will succeed. { or less
-Rocky } Why? Because MLM doesnt pay based on talent, or even
how well you retail product. It pays based on who can recruit the
biggest downlines. And that is where Boiler Rooms come into
play. Recruiting hundreds at a time is what these guys do. 99%
will always fail no matter if they are all perfect or cut out for the
job. That is the mathematical result: 99%.
do math?
{ fraud thieves don't:
Do you know how to
Rocky}
Tracy Coenen
Yes, different jobs
pay different wages. And as one acquires more skills, one is worth
more to an employer, and will begin to see their earnings go up.
You pretend were all slaves to employers, when thats far from
the truth.
Almost everyone in MLM loses, so they definitely are
NOT paid what theyre worth.
By your logic, theyre worth
negative earnings i.e. they pay into the company

Tracy Coenen
P.S. mlm is the
only industry in which Ive seen that there is almost NO

CORRELATION between hard work and results. Millions and
millions of people work very hard in MLM each year, yet end up
with only financial losses.
{ AND RUIN ~ ROCKY }
http://www.sequenceinc.com/fraudfiles/2013/05/primericafinancial-services-the-fake-job-interview Yeah definitely not going

to this after seeing the mass amount of negative comments. My
Lyft driver actually was the one who told me I should come by his
office but didnt mention what he actually did (broken record
much lol). He texted me his contact info after my ride and I
noticed it said Primerica Inc. on it so I googled it to find out just
exactly I was getting myself into.
Glad I found this page though
so I dont have to waste my time or money {.

welcome:
- You are most
Rocky
Misa Olamina
"Apparently these Primerica folk are misusing LinkedIn profiles
for their slimy deeds
{!!!!- Rocky } I was just contacted by one of
these clowns and told based on my god given gifts I would be

perfect for this opportunity. Blah blahI knew it was {... } only
because I have had encounters with companies like this when I
was younger. Also, there is nothing on my LinkedIn profile that
indicates I have any financial talent. When I enquired further
about the details of this opportunity to make extra income as my
schedule permits He responded to me telling me that I would be
licensed with my state and I would serve as a financial GPS Lol.
{ means: "lots of laughs!"
-Rocky }
It isnt right how these
companies take advantage of folks in need of employment.

If you do find yourself mixed up in something like this, please
dont let it effect your perception of yourself. You arent stupid or
naive. They prey on our natural vulnerabilitis and at anytime any

of us can find ourselves being lured in.
Im grateful for this site and the posts here.
It amazes me that
people still think they can get away with taking advantage of
good people that just want to work.
"Hey guys I need some help I wish I saw this before the meeting
but I just got home from it. What should I do?
my information?
They have a lot of
Would they use it if I dont show back up?
Im
kind of worried they have ALOT of personal information about me"

Hi:
Thanks for posting on sequenceinc.
My name is Rocky.
name for posting exposes, et cetera^, is Nextaxpro.
My
What you
must do is call your bank or call the bank toll-free number daily
for at least 3-4 weeks.
MAKE SURE your bank balance AGREES
ENTIRELY with what you show, plus or minus the outstanding

transactions, of course. If you are SHORT, NO MATTER HOW
SMALL, GET A HOLD OF ONE OF THE REPS AT YOUR BANK
IMMEDIATELY.
What these sharks do is ROB a little.
Then, if no
reaction, they DRAIN YOUR BANK ACCOUNT AND LOOK FOR MORE
ACCOUNT NUMBERS THAT YOU MAY HAVE AND DRAIN THOSE!
That's their slimy, rotten, stinking game.
The best to you.
Please make a comment here and let me know.

HAS MANY, MANY UNSCRUPULOUS EMPLOYEES.
plights are above attempting to STEAL.
PROBABLY HAVE A LAWSUIT.
CON AMERICA
NONE of these
IF MONEY IS GONE, YOU
I hope you have a loved one who
knows a lawyer who will not charge you for an initial consultation.
The LORD Loves YOU.
"Wow. good looking into this before going to my interview today.
A recruiter found me on Linked in and said he was impressed with
my resume and feels I am qualified for a position again like
everyone else I asked for more information and very vague did he
explain to me the concept of this company. He kept messaging me
even if i wouldnt give him a reply and somehow found my number
and keeps contacting me.
When I told him I am no longer
interested he kept asking me why and then called me arrogant.
What a joke."
YOU ARE MOST WELCOME.
CHECKING MY WEBSITE.
PLEASE CONTINUE
I HAVE BEEN "CLEANING UP"
TYPOGRAPHICAL ERRORS, MAKING EXPLANATIONS CLEARER, ET

CETERA^.
SO, SO SORRY IT HAS BEEN TAKING ME LONGER
THAN 8 YEARS!
LORD BLESS:
"I was at one of their interviews just a couple hours ago. It all
seemed so legit at first and since this was my first interview and
Ive been looking for an internship, it seemed perfect. I talked to
the women who contacted me through LinkedIn and her husband
when I first got there. They explained how everything worked and
it all seemed to be on the up-and-up. I then sat through the
presentation which also seemed legit because the two presenters
just seemed so down to earth and passionate about helping the
common man (except the guy who kept bragging about his house
and cars). After the presentation I went in to talk with the reps I
talked to at the outset of the interview and we went over how
the work schedule would work and they asked me what days I was
available and when it got to the application portion, I hesitated. It
was the first time I smelled something fishy. I told them I would
have to think about it and let them know but they offered to
sponsor me and they paid my $99 fee as well as the $25/month
fee for the first month which made me feel less suspicious. What
would happen if I cancelled the whole thing? They didnt get my
credit card info but they have my social security number and my
other info. Do I just block them and never contact them again?"
ROCKY'S ANSWER:
sequenceinc.com.
HI:
Thank you for posting on
If the con America rep has your social
insecurity number, he has everything.
What a few of the con
America reps and srvps do is pose as background investigators.

We moved in to an expensive apartment two years ago.
I refused
to give my social insecurity number, but the leasing consultant

said they needed it for the background investigation.
What you
must do is call your bank or call the bank toll-free number daily
for at least 3-4 weeks.
MAKE SURE your bank balance AGREES
ENTIRELY with what you show, plus or minus the outstanding

transactions, of course. If you are SHORT, NO MATTER HOW
SMALL, GET A HOLD OF ONE OF THE REPS AT YOUR BANK
IMMEDIATELY.
What these sharks do is ROB a little.
Then, if no
reaction, they DRAIN YOUR BANK ACCOUNT AND LOOK FOR MORE
ACCOUNT NUMBERS THAT YOU MAY HAVE AND DRAIN THOSE!
That's their slimy, rotten, stinking game.
The best to you.
Please make a comment here to let me know.

"I know a couple that have reached their { SIC: QUOTATION
MARKS }$100k
status and are so proud of themselves, except
they have no money and do nothing.
They just tried taking a
mortgage out for half a million and the bank denied them because
neither of them have a real job or make enough money.
This
place is a joke, dont waste your time or money on them." { So

much for the "$100k status".
It's:
"fake it until you make it".
LET'S SEE YOUR FEDERAL INCOME TAX RETURN, PATHOLOGICAL

LIAR!!!!
- Rocky }
"Wow, thank you to all who posted about this company. I

graduated from college last month and primerica does prey on
with people who are unemployed. I finished having a fake
interview last night and was literally thinking about going to that
informative session. And we are educated. If we werent, we
wouldn't have had researched about primerica."
THE HUFF AND PUFF, THEN, PRIDE GOETH BEFORE
DESTRUCTION.
IN OTHER WORDS, THE WOMAN at
sequenceinc.com SHOT THE GUY DOWN:

Nunya { IS A NUNCA - Rocky } this is defamation. Take this down
before i { sic: capitalize -Rocky } file a complaint. We are not a
scam and there are no fake interviews. THIS IS A BUSINESS, and
youre { sic: ' -- learn English grammar!!!!
GET BEYOND THE
FIRST GRADE - Rocky } too lazy to work for yourself or want to

educate people on their finances. If you didnt get the license or
actually go on the field then { spelling - Rocky } you know nothing.
Dont spread lies when you failed at the business. To the last
comment, the most draining 2 months??
Maybe you dont { sic:
don't -Rocky } know that in order for you to have a successful

business, you have to work like a dog to build it.
Rome wasnt
built in a day. It takes time, effort and tears to build something

you want.
No one ever said it was going to be easy, and if you
thought it was, then i {sic: CAPITALIZE!! - Rocky } dont { OH

BROTHER. SIC: AGAIN. APOSTROPHE! Rocky } know what to
tell you.
Nothing worth having is ever easy to obtain. Youre { sic:
' -- LEARN English grammar!!! - Rocky } building a team of

individuals to get them to the top, too. Theres no scheme, { SIC:
PERIOD OR SEMICOLON! - Rocky } no one earns more unless you
DO more. Youre { Ahem!
Grammar! - Rocky } just a bunch of lazy,
whiny children. Ive seen success, a lot of it, and thats { SIC: USE
APOSTROPHES WHERE REQUIRED!! LEARN VERY SIMPLE
ENGLISH GRAMMAR!! -Rocky } because we had a passion for what
we do. { Then why don't you show your Federal income tax
return?? - Rocky }
{ To date, I have met or even heard of only
one con America representative, rvp or srvp who can speak or

write proper English.
Upwards of 99.5% of the con America
apologists are not better than 2nd grade in English grammar!!

THEY ARE FUNCTIONALLY ILLITERATE! 14 January 2016 at 10:44
Tracy Coenen
No, its not defamation. And where, exactly, are
you going to file that complaint?

occurred.
Yes, the fake interviews have
And you say Im too lazy to work for myself?
Then
why, pray tell, have I owned Sequence Inc. Forensic Accounting

for 16 years?
I make a very nice income for myself with a
legitimate business. Apparently Im not too lazy, and Im actually

quite good at being self-employed. 15 January 2016 at 3:58
NOTE:
I have still received NO restitution at all from A.L.
Williams for my time and fruitless effort in an unprotected

territory.
16, 9-20-16
5-27-08, 4-19-16, 5-18-16, 6-29-16, 7-5-16, 8-6-16, 8-25- Rocky
FROM complaintsboard.com, consumeraffairss.com,

pissedconsumer.com, sequenceinc.com :
And many more of
interest:
Written by one who saw red flags:
"I already feel deceived.
I've never heard of a legitimate honest job that requires you to put
down at least $199 in order to begin working.
That's ludicrous.
Furthermore, during the presentation, there seemed to be two

very strong points in which the gentleman emphasized: {m}Money
and recruiting.
They would go on and on about how much money
they made, and the fact that in order to make money, you have to
recruit people.
two subjects;
out of debt.
95% of the presentation time was spent on these

the remaining 5% was spent on helping people get
Right now, my mind is boggled.
I can't figure out
how a company can claim to be an honest company that helps

people and does noble deeds while concentrating much of their
energy and manpower; on greed and dishonesty.
good to be true, because it is.
fellow people."
It sounds too
Don't believe everything you hear,
http://primeric.pissedconsumer.com/i-just-got-
home-from-a-primerica-presentation-and-20080805130392.html
Written by Another one taken, on 12-07-2008 20:52:
My wife went
to an "interview" about a medical job {YEAH you apologists are

really filled with godliness, aren't you?
Amway was very
deceptive but I do not know of Amway ever stooping so low as to

say they are health practitioners, et cetera!!} that was posted on
Craigslist which turned out to be one of these hyped
"opportunities" and paid the *** $299 & signed stuffed before
reading it or understanding what she was doing. After doing some
research I found this forum and I am now pissed off that they
would do this. I am not an easy target for scams like this because
I always am leary about "get rich quick schemes" that blow smoke
up your *** without any real or tangible products or services. My
wife had to cancel her debit card in order to keep from being
another victim. Lesson learned.
ANOTHER: Primerica has ruined our once-happy, Christian
marriage. My husband started it about 7 months ago and did well

at first, so I supported him. Then, he ran out of contacts and was
putting in about 20 hours per week at trainings and appointments
and made ZERO dollars. He also left me to live with the person
who got him into Primerica (about 1 hour away), and he took our
3-year old daughter with him.
ANOTHER: I met my husband 2 years ago.
When I first met him. {
sic: comma } I was enamored that he was helping people and

trying to have a better life.
I was convinced that Primerica wasnt
{sic: wasn't } a scam because his family lived in Boca and seemed
like a normal family.
primerica is.
After a year, I slowly realized how corrupt
My husband spends hours working in primerica with
his dad and comes home with no money week after week.
We
lost our apartment.
He
We had to move in with my in laws.
cant even afford to buy a crib for our infant son.

been living in a bassinet for months.
he decided to go full time.
Our son has
We lost everything because
I never thought it would turn this way.
We cant even afford to buy the little things our son needs.
I am
getting worried that I may have to give up my son for adoption

because I hate that he cant go to the doctor, and have normal
neccessities.
He {husband} is so brainwashed.
He couldn't
even afford to put food on the table and take me to the doctors
when I get sick yet he has enough money to go to a convention in
Atlanta.
company.
I wonder how many divorces have developed from this

They preach partnership but all I see is time away
from your wife and child and we don't get anything in return
except heartbreak and suffering.
I hate Primerica!!!
I hope it
gets closed down immediately {.}

ANOTHER: My husband joined this company a year ago.
always supporting him.
I've been
He is working so hard in Primerica, he
makes so many phone calls every day, we listen to the CDs in the
car, we both read books that our up-lines recommend, we wake up
early, we go to any social event possibly out there, we go to
church, we go to training TWICE A WEEK.
{sic}
I have a full time job,
He does Primerica full time, {sic} he has nothing left he got
lay off 3 months ago.

disappointed!!
I'm so upset with this company and so
My husband won the contest of month, last month,
however I got sick and I got a doctors note to stay in absolutely

rest for 3 days and he went away for the weekend with the army.
I was so excited when he won the contest of the month that I
even asked for the day off at work in order to get the prize,
unfortunately was the same weekend I needed to stay home.
And
the upline said that unfortunatly there is no rain check... He works

so hard and he doesn't get anything!!
I've been very patient.
He have changed so much!
But for me this is ...!!
If they couldn't
even give us the prize, that was such a stupid shopping day!!!
hardly believe about making the 6 figure income!!! The worst part
is that I don't know if should feel sorry for him or myself!!!
has been brainwashed!!
He
He doesn't make more {than} 500 a
month!!!
{ I would be VERY surprised if he made that much -
Rocky }
After one year! and he really works his butt out to get
appts!
{B}but I still don't see anything good happening. I'm so
disappointed and I don't even want to stay with him anymore. Is

like seeing a child chasing the bucket or gold at the end of the
rainbow.
ANOTHER:
Uggnh!!!
A Primerica branch occupied the offices
directly above where I work for several years (they finally moved
out last fall, thank OG! ). High pressure, multi-level marketing
sales of iffy financial services was their thing.
Viewed from the
outside, it looked like a real meat-grinder, and I rarely saw the

same faces returning year after year. Those who did were
inevitably in-your-face sales types with attitudes that oozed
insincerity. We have limited parking for our building and they
regularly had recruitment drives that would flood the lot with their
marks' cars which would cause absolute chaos and no small
amount of fury when multiple idiots would double or even triple
park.
The foot stomping chants and cheers as they rallied
around the cause of bilking their 'clients' just compounded the

headaches (did I mention that they were directly above my
office)?
The building manager hated their guts and would regularly

complain about building doors being left unlocked overnight and
the disgusting condition of the upstairs bathroom.
After about
the sixth time they clogged the toilet and flooded the bathroom he
decided to rip out the toilet paper dispenser altogether and
replaced it with those dispensers that distribute really thin
tissues that are so low-grade you can still see chunks of wood in
them.
Never piss off a building manager.
I'll give them credit for one thing though, they were smart enough
not to try to hard sell any of the other tenants.
That would have
crossed a major line would likely have ended up with them getting
booted from the premises.
The only reason the owner put up with
them in the first place was the rent they were paying.
Of course,
that only gave the weasels a monumental sense of entitlement to

add to their already inflated egos.
phew...did I mention that I'm
really, really, really, happy that they're gone?

"This article is very accurate. { She was looking at my blog.
Glory to GOD! " - Rocky }
CON AMERICA DOES NOT TELL YOU THAT THE PREMIUMS RISE
200 PERCENT AFTER 20 YEARS!!
DECEPTION AND A HEIST!!!
NEVER A WARNING!!
TOTAL
a.l. williams GUARANTEED THAT
THE PREMIUMS WOULD STAY FLAT FOR EVERY YEAR FOLLOWING

paying the first year's worth of premiums!!!
ABOMINABLE DECEPTION!!!
SHOULD BE HANGED!!!
2016:
THIS IS HORRIBLE,
CON AMERICA PYRAMIDERS
Carol of Baltimore, MD on June 16,
"I was sold a Primerica Life Insurance Policy when I was
around 25 years old. I paid $17.29 a month. I was under the

impression that that amount would never change as I got older. I
had this policy for 20 years with no problems. As soon as I turned
45 in late 2010 my premium more than tripled. It went up to $59 a
month with no explanation. I was in good health. I had no major
health problems. No one I spoke to could give me a reasonable

explanation for the large increase of my premium. I decided to
cancel the policy as I cannot afford to pay that much every month.
I got nothing back for it. Not a penny. All the money I paid for the
policy over 20 years and nothing to show for it
HTTPS://wordpress.com/post/nextaxpro.wordpress.com/6
nextaxpro.wordpress.com/2008/09/12/primerica-a-l-williams-isfraudulent-pyramiding-it-is-very-very-evil-att-now-abominable
Jennifer Post author April 26, 2016
~ Okay, heres another
dissatisfied customer:
ANOTHER:
For your information, I cancelled both as I cant
afford to continue paying the outrageous premiums. I live on a

fixed income. I would appreciate if Primerica would return my
money for being dishonest and misleading to customers. I need
your expertise and help. Thank you and God bless!
WWW.ConsumerAffairs.com
WWW.sequenceinc.com
"A.L. Williams rode my father, a very prosperous respected

business man to the grave. One lie after another.
He was a top
regional RVP sales person bringing hundreds of thousands of $$ to

A. L. Williams and their upper line mgrs until they took all his
clients away one day and gave them to another SRVP.
He was
told good job, here is your top sales plaque, now start all over
again.
His widow now gets a check for $6.42 cents a month from
his commissions.
Wow, are they grateful or what? For all he had
done for them this is her reward. She waits until she gets 2 or 3
checks accumulated and then deposits them all at once to make it
worth her while.
can.
Our family says 'Run Run Run' as fast as you
Once a RVP sees this and realizes that she is getting some
money they will probably go after that also.

by God to pay for their sins!"
Rocky
They will be judged
{ and that is an unavoidable FACT -
Mark 9:42-48, Revelation 20:10-15, et cetera^.
These
con America scoundrels are racketeers!!! }

"I joined primerica years ago along with my husband. I told him at
the time that something didn't feel right. My husband got his Dad
to give him his retirement money to invest in this company and he

lost every red cent. We were never reimbursed for the thousands
that we had invested.
Run from this scheme as quick as you can
{; } it is a rip off."
To Whom It May Concern! My Name is Mir F Ansary I joined this
Life insurance company and the told that, I am only paying $99.00
for the state test and nothing else and now they Been charging me
$25.00 each month automatically without my permission so far
they pull out of my account total of $75.00 Dollars for no reason
what so ever...it doesn't makes any sense, if I am not working
with them who give them the right to withdraw from my account
that is stealing and it's against the law... Is in it?
Ansary
{ I wish it were.
Thanks Mir F
AT&T did the same to I, and I have
exposed them on this website:
- Rocky }
ANOTHER: "Most concerning of all {,} though{,} is that members

of Primerica during companys presentations and speeches yell
out Amen and Hallelujah (my husband admitted hearing this too)
and insist upon Primerica being a Christian organization.
As a result of questionable business practices Primerica's {sic}
has been banned from operating in the state of New York for two
years (strangely enough my husband's recruiter had moved down
from New Jersey?)
Even Primerica's disclaimers state that 'Representatives are not
financial planners, investment advisors, financial consultants or
other specialists who provide financial advice and whose
compensation may be unrelated to sales'.
{ Hence, bonnie
floorman was a LIAR AND A FRAUD AND A CON as she told me

that she had a securities license and was a "certified financial
planner - cfp"
- Rocky }
FOURTH:
VERY IMPORTANT
EXPOSES OF CON AMERICA
FOLLOW.
When they continue to pursue, harass, harangue, say: "OK, give
me $30000;
cetera^.
30000 in gold;
I will hold in escrow.
take the money".

did.
30000 in silver;
30000 in brass, et
If I do not get paid for my time, I
Gold will be made illegal again.
So will obola.
fdr, devilrat
Thusly, demand other metals as a back-up.
- ROCKY
Written by John Garvin, on 07-04-2008 19:08:
"
Last week,
the Department of Ins. for the state of Utah

raided the Primerica offices in Salt Lake.
The RVP admittied {sic} to investigators that
he had committed a fraud."
May be the reason Ripoff Report has ceased publishing exposes
and complaints regarding PIRATE VS. AMERICA:
Written by Consumer Advocate, on 11-08-2008 13:55:
Go check
out what the editor of ripoffreport.com said after being PAID by

Primerica to become part of his Consumer Advocate Program
He will say whatever you want after you PAY him!!
MORE COMING:
800notes.com/Phone.aspx/1-203-651-0018/5
REPORT harassing telephone and cell phone and computer dialed

harassing calls.
FIFTH:
LATEST PYRAMID
SCHEMES AND SCAMS:

PYRAMID SCHEMES ARE OUT THERE NOW!
https://www.google.com/#safe=active&q=what+are+pyramid+sche
mes+as+of+now%3F
NOTICE AND ABSORB THE FOLLOWING PARAGRAPH!!!
herbalife
was convicted of pyramiding but then a judge threw out the

conviction!!
Herbalife was CONVICTED.
Their stock is STILL
SELLING on the new york stock exchange. Symbol: HLF.

be on the nasdaq, symbol hflt.
Now on the nyse. That's
something to keep in mind!!!!

tell you everything:
con America apologists do not
far, far, from that!
LISTED on the nyse!!!
Used to
herbalife is STILL
herbalife is still trading!!!
http://www.factsaboutherbalife.com/the-facts/the-herbalifepyramid-scheme
and 60.
Con America's stock is selling at between 50
But THAT is very misleading.
reverse stock split.
There could have been a
primerica has traded between 20 and 60 over
the past 5 years:

http://www.marketwatch.com/investing/stock/PRI
But THAT
doesn't tell you that the SEC could launch an INVESTIGATION of

FRAUD; THE IRS could launch an INVESTIGATION OF INCOME TAX
EVASION and con America stock could fall to 0.50/share - OR
EVEN LOWER - AT ANY TIME. Don't believe?
Then you are not
familiar with the stock markets.

LATEST PYRAMID SCHEMES:
https://www.google.com/search?
sclient=psyab&site=&source=hp&q=current+known+pyramid+schemes&oq=cu
rrent+known+pyram&gs_l=hp.1.0.0i22i30.429213.433072.0.434704.
19.12.0.7.7.0.225.1146.8j3j1.12.0....0...1c.1.64.psyab..0.19.1148...0j0i131j0i3.sKPuaruk6dU&pbx=1&biw=1152&bih=7
48&dpr=1&safe=active&cad=cbv&bvch=u&sei=vH9V6rEIMrNeqPGpegC
https://www.google.com/search?sclient=psyab&safe=active&biw=1152&bih=748&q=pyramid+schemes+occurri
ng+now&oq=pyramid+schemes+occurring+now&gs_l=serp.12...120
6.8444.2.10272.20.16.4.0.0.0.96.1148.16.16.0....0...1c.1.64.serp..0.
12.696...0j0i67j0i22i30j33i21.JNvApTciNxI&pbx=1&cad=cbv&bvch
=u&sei=N5afV6mJKMjxAGjtbWAAw#safe=active&q=primerica+pyramid+schemes+occurrin
g+now
http://www.snopes.com/search/?q=PYRAMID+SCHEMES
http://www.cheatsheet.com/business/5-huge-companies-accusedof-being-pyramid-schemes.html/?a=viewall
http://www.factsaboutherbalife.com
FIFTH:
LATEST CON AMERICA
SCANDALS:
https://www.google.com/https://www.google.com/#q=latest+primeri
ca+scandals
http://www.sequenceinc.com/fraudfiles/2008/04/the-pyramidscheme-aspect-of-primerica-financial-services
Sequence, incorporated ceased taking comments on this blog in
2014.
The comments by those disillusioned, those pirated, OR
BOTH, are worth your perusal if you are considering going to one
of their "rah rah, hallelujah" meetings.
Some dabble in the
occult, that is, tongues!

http://jenniferspassion4internetmarketing.com/is-primerica-ascam-the-truth-revealed
https://www.consumeraffairs.com/employment/primerica.html
MORE EXPOSES OF THE CON AMERICA FRAUDULENT PIRACY
PYRAMID SCHEME:
http://jenniferspassion4internetmarketing.com/is-primerica-ascam-the-truth-revealed#comment-12039
It is verily SAD
that you cannot find any thing in the public libraries exposing the
con America pyramid scheme.
You can only find bernie madoff.
This one hasn't been knocked down yet:

http://primericacomplaints.blogspot.com/2010/08/reply-to-thispost-with-your-complaints.html
SIXTH:
LAWSUITS VS.
CITIGROUP - CON AMERICA:

A SIGNIFICANT PERCENTAGE OF LAWSUITS ARE AGAINST THEIR
MORTGAGE AND SECURITIES BROKER SCHEMES!
CRIME
AGAINST AMERICA APOLOGISTS CONSTANTLY BRAG {!!!} ABOUT

THEIR MORTGAGES AND SECURITIES DEALERS:
http://gotaclassaction.com/class-action-lawsuit-filed-againstcitigroup
http://www.bidnessetc.com/39256-argentina-files-a-lawsuitagainst-citigroup-inc
http://www.tampabay.com/news/tampa-woman-wins-lawsuitagainst-citicorp-for-pay-discrimination/1225359
https://www.zacks.com/stock/news/220168/citigroup-c-amp-guyhands-end-legal-tussle-in-london
http://www.thefiscaltimes.com/latestnews/2015/09/01/Miamilawsuits-vs-BofA-Citigroup-Wells-Fargo-are-revived
http://multinationalmonitor.org/mm2002/02april/april02corp2.html
https://www.sec.gov/litigation/complaints/2011/comp-pr2011214.pdf
https://www.lawyersandsettlements.com/articles/citigroup-erisa401k/citigroup-erisa-lawsuits-01575.html?utm_expid=3607522-
13.Y4u1ixZNSt6o8v_5N8VGVA.0&utm_referrer=https%3A%2F
%2Fwww.searchincognito.com
CON AMERICA FRAUD DECEIVER SAID "I JUST LOVE LOVE LOVE
MY CITIGROUP MORTGAGE THROUGH MY PRIMERICA" { UNTIL
THEY ARE SHUT DOWN BY THE DEPARTMENT OF THE TREASURY INTERNAL REVENUE SERVICE!
UNDERSTAND SIMPLE THINGS??
THOU SHALT NOT BEAR FALSE WITNESS !!!!}

http://portal.hud.gov/hudportal/HUD?
src=/press/press_releases_media_advisories/2012/HUDNo.12-032
http://www.huffingtonpost.com/news/citigroup-settlement
http://www.usatoday.com/story/money/business/2014/06/13/justicedepartment-preparing-to-sue-citigroup/10452667
http://dealbook.nytimes.com/2014/03/07/guy-hands-drops-lawsuitagainst-citigroup-in-u-s/?_r=0
http://www.inquisitr.com/579883/citigroup-to-pay-730m-in-classaction-lawsuit-settlement
http://www.bizjournals.com/chicago/news/2013/05/30/allstatesettles-lawsuit-against.html
http://www.nytimes.com/2015/10/20/business/citigroup-accused-ofimproperly-avoiding-800-million-in-new-york-state-taxes.html
AHA!!
http://www.reuters.com/article/us-citi-insurance-
settlement-idUSBREA1508Z2014020
CLASS ACTION LAWSUITS AGAINST

PIRATES AGAINST AMERICA AND THE
WORLD:
https://www.google.com/#safe=active&q=class+action+lawsuits+a
gainst+primerica
http://www.citigrouplawsuit.com
http://www.npr.org/templates/story/story.php?storyId=130673608
http://www.bloomberg.com/news/articles/2016-06-10/hands-agreesto-drop-london-lawsuit-against-citigroup-over-emi-ip9scjqm
CON AMERICA RETIREMENT PLANS BILK ALL WHO PAY IN:
http://www.reuters.com/article/primerica-arbitrationidUSL1N0FS1FK20130725
I should have gone to the FBI as soon as I received this spam:
https://mg.mail.yahoo.com/neo/launch?.rand=f2aurpnpstpdr
If you just do a goggle, bing or yahoo search on 'Primerica fraud'
you will get hundreds of hits explaining lawsuits, con America's
deceptive tactics and testimonials of people defrauded.
trust ripoff report!
Do not
ripoff report "caved in" to crime against
America and have been LYING for 18 OR 19 years!

BEWARE of stuff like this:
"$100 buys $50.000".
They have to
prove that they are honest and that they pay claims.
before you invest:
SEVENTH:
Investigate
ROCKY
INVESTIGATIONS OF PIRATE VS.
AMERICA
TEXAS BUREAU OF INSURANCE INVESTIGATES CON AMERICA:
apps.tdi.state.tx.us/pcci/pcci_show_profile.jsp?tdiNum=52200
M
Support this great ministry.
shut down.
online:
Print out my website before it gets
This will help as a reference point to what I have

mgtenter95@lycos.com
errocky@hotmail.com
nextaxpro@yahoo.com
Categories: { Taken down by wordpress oppress!

reconstructing.
I am
Type in to the "Search Categories" at the upper
right. - Rocky }
AN ENROLLED AGENT IS A PROFESSIONAL TAX PRACTITIONER
WHOM WILL DEFEND YOU IF THE IRS CHALLENGES YOUR
FEDERAL INCOME TAX PREPARATION
AND THE ABOMINABLE, SHALL HAVE THEIR PART IN THE LAKE
WHICH BURNETH WITH FIRE AND BRIMSTONE, WHICH IS THE
SECOND DEATH.
REVELATION 21:8
TO BREAKING THE DOOR.
AND THEY CAME NEAR
GENESIS 19
AT&T HAS BECOME VERY, VERY EVIL!

BOOKS
BOYCOTT SODOMITE SEX PERVERT HARM CHILDREN MACY'S!!!!
BRAINDEAD LYING LIBERAL AIRHEAD OAF PHRASE OF THE WEEK
CATHOLICISM
"CHRISTIAN" SODOMY, SORCERY, COMMUNIST WORK, ROCK,
TATTOOS, SORCERY SHRINK
AND THE LORD KNOWS YOUR
THOUGHT LIFE
CLIMATE CHANGE VICIOUS TYRANNY AND ABOMINABLE LIES
AND CRIMES!
CONSUMER REPORTS AND WHY DO SODOMITES SO FIERCELY
SERVE THEIR MASTER SATAN
DON'T GET VACCINATED!!!
ECONOMICS
EVILUTION HAS DAMNED MORE SOULS TO HHELL
THAN ANYTHING! EVILUTION: SCIENCE FALSELY SO-CALLED:

1TIMOTHY 6:20;
REVELATION!
GAMES
A.V. 1611, A CONTINUING, UNENDING
Ghost writing, tattoos, united nations, marijuana, genocide, public

schools, the devil's juice, and a few others coming
GUN CONTROL TRAITORS TO OUR 2ND, 4TH AMENDMENT RIGHTS!
HEALTH AND WELLNESS
I AM GOING TO DE-PROGRAM YOU.
If a man also lie with
mankind, as he lieth with a woman, both of them have committed

an abomination: they shall surely be put to death; their blood
shall be upon them.
- Leviticus 20:13
LYING, ABOMINABLE COMMUNIST NEWS MAFIA

MARIJUANA PUFFING ABOMINATION
MUSLIM-ISLAMIST-MOHAMET-MOHAMMEDANISM-MOSLEM-MOOR
MUST READ EXPOSES
NAZI GESTAPO CPS IS VERY, VERY EVIL!
NONE DARE CALL IT TREASON!!
PRIMERICA{ CON AMERICA }
RADICAL FEMINISTS:
that is, FEMINAZIS!
REAL LIFE AND HISTORY!

ROCK NOISE: CONDEMNING SOULS TO SODOMY AND THE LAKE
WHICH BURNETH WITH FIRE AND BRIMSTONE, WHICH IS THE
SECOND DEATH!
SAM GIPP: GOOD STUFF
SOCIAL SECURITY COMMUNIST INSECURITY INFIINITE FRAUD
SOCIALIST WRECEKRS,SORCERERS DRUGGIES, CHILD PAWNS
SERVICES GESTAPO
SODOMITE THREATENING LYING FILTHY CRIMINAL, SRID
{ SODOMITE RELATED IMMUNITY DEFICIENCY }, ABOMINABLES:
SODOMITES BEAR FALSE WITNESS REGARDING WHAT THEY ARE ~
REAL LIFE AND HISTORY!!
SODOMY IS OBEYING THE EVIL
DEVIL, THEIR MASTER AND DICTATOR OF ALL OF THEIR

SODOMITE EVIL, EVIL THOUGHTS, HEINOUS, ABOMINABLE
CRIMINALS!
GENESIS 6:4, DEUTERONOMY 2:11, 1SAMUEL 1:16,
JOHN 6:70-71, ET CETERA^

SORCERY PSYCHOLOGY:
A SEDUCTION OF THE JESUIT DEVILS;
THE WORLD'S MOST EVIL AND MOST DANGEROUS CULT.THE

LYRICS OF DEVILS IN THE LORD'S HOUSE!
THE RANTINGS OF THE PAPIST JESUIT CULT
TONGUES OCCULT:
A SEDUCTION OF THE JESUITS
WHY "INSTITUTIONS OF HIGHER LEARNING" BREED COMMUNISTS

AND COMMIE DUPES WHY I KNOW THE KING JAMES 1611 BIBLE
IS THE WORD OF THE LORD
HTTP;//NEXTAXPRO.WORDPRESS.COM
*3 years refunded for chargebacks provided art williams pays.
Index of /Evils in America/Sodomy
Parent Director
SB_200.pd Thumbs.db aa.htm
abomination.htm
abused_boy-larger.gif
abused_teen.jpg adam_and_steve.gif
adam_lambert-frontiers_cover.jpg
abused_boy.gif
adam_and_steve.htm
afa.gif
against_nature.ht
allen_ginsberg_no_hero.htm americas_destruction-transparent.gif
americas_destruction.gif
lesbian_minister.jpg
amityville.jpg
ash.jpg
austria-gay_rectors.jpg
austria-krenn.jpg
ban_same_sex_marriage.jpg
bi_are_homo.htm
april_baker-
biblearm.jpg
bigbolt.gif
biggest_church_issue.htm
birds_and_bees.gif
bolt-potter.jpg
bolthat.jpg
born_gay.htm
boy_scouts.htm
bullying_is_wrong.htm
cameronicon.jpg
changing_truth.htm
chick-fil-a.htm
child_abuse.htm
churches_gay_marriage.gif
colorado.htm
conan_samesex_marriage.htm
crazy.htm
desperate_housewives.htm
does_church_discriminate.htm
dont-ask-dont-tell.jpg
ellen_degenerate.jpg
ellen_degeneres.jpg
enda.htm
engayged.htm
episcopal_gays.jpg
ernie_and_bert.htm
ernie_and_bert_homosexual.jpg
fierstein.jpg
fistsex01.mp3
fistsex01.rm
fistsex02.mp3
fistsex02.rm
fistsex03.mp3
fistsex03.rm
fistsex04.mp3
fistsex04.rm
fistsex05.mp3
fistsex05.rm
fistsex06.mp3
fistsex06.rm
fistsex07.mp3
fistsex07.rm
fistsex08.mp3
fistsex08.rm
fistsex09.mp3
fistsex09.rm
fistsex10.mp3
fistsex10.rm
flash3.gif
flyingpriest.jpg
fred_phelps.htm
frightening_gay_statistics.htm
gap_goes_gay.jpg
gay_bishop.gif
gay_children_books1.gif
gay_children_books17.jpg
gay_clinton.gif
gay_guy.gif
gay_is_not_ok.jpg
gay_marriage-rebellion_against_god.jpg
gay_marriage.htm
gay_marriage_is_sin.htm
gay_minister.jpg
gay_mommies.jpg
gay_parade-mocks_god.jpg
gay_pride.htm
gay_priests.htm
gay_priests20.JPG
gay_priests21.jpg
gay_scouts.htm
gay_teacher.jpg
gay_tolerance.htm
gay_uncle_sam.jpg
gayparent_nobabies.gif
gays-court-13.gif
gays_against_god_1.jpg
gayville.htm
george_michael-sodomite.jpg
girl_scouts.htm
glsen_exposed.jpg
glsen_fistsex.htm
glsen_is_evil.htm
got_aids_yet-30.jpg
got_aids_yet-50.jpg
got_aids_yet-mardi_gras.jpg
got_aids_yet.htm
got_aids_yet7.jpg
greek_homos.htm
greek_queers.jpg
hannidate.htm
hate_crimes.htm
hateful_homophobes.htm
heather_has_two_mommies.jpg
hillary_gay.jpg
hillary_gay2.jpg
hillary_lesbian.jpg
hillary_wolf.jpg
hogwarts.jpg
homo_character.htm
homo_marriage.htm
homo_mob.htm
homo_mob_video.htm
homo_molesters.gif
homo_molesters.jpg
homo_monsters.jpg
homo_perversion.png
homo_perverts.gif
homo_perverts.jpg
homo_psych.jpg
homo_romance.htm
homophobia.jpg
homosexual_abusers.jpg
homosexual_agenda.htm
homosexual_agenda_exposed.pdf
homosexual_child_molesters.htm
homosexual_diseases.pdf
homosexual_identity_disorder.pdf
homosexual_lifestyle.htm
homosexual_politics.jpg
homosexual_priests.htm
homosexual_propaganda.pdf
homosexual_religion.htm
homosexual_revolution-1.htm
homosexual_sex_equals_death.pdf
homosexuality.htm
homosexuality101.pdf
homosexuality_and_pedophilia.htm
homosexuality_and_psychiatry.htm
homosexuality_is_a_sin.htm
homosexualization.htm
homosexually_abused_boy.jpg
homosexually_abused_boy2.gif
homosexuals.jpg
homosexuals2.jpg
homosexuals_NAMBLA.pdf
homosexuals_recruit_children.pdf
homosexuals_target_children.htm
homoviolence.htm
hope_for_homosexuals.gif
how_to_respond.htm
hp.JPG
hugh_hefner.htm
i_see_gay_people.jpg
immorality_not_a_right.htm
in_the_church.htm
initiation_into_lesbianism.htm
jaye_davidson-crossdresser.jpg
jaye_davidson-stargate.jpg
jaye_davidson-the_crying_game.jpg
jesse_mccartney_sodomite.jpg
jesus_is_a_lighthouse_during_the_storm.jpg
john_r_rice_exposes.htm
judge_rules_against_christians.htm
justin_bieber.htm
justin_bieber_todateen_nambla.jpg
king01.jpg
king02.jpg
king03.jpg
king04.jpg
king05.jpg
king06.jpg
king07.jpg
lawrenceside.jpg
lesbian_daughter.jpg
lesbian_guilty.jpg
lesbian_guilty2.jpg
lesbian_rangers.jpg
lesbians_guilty.htm
leviticus.htm
lgbt_absurd_policy.htm
lgbt_wickedness.jpg
liars.htm
lies_about_homosexuality.htm
lighthouse-flashing.gif
macys_san_antonio-lgbt.jpg
massachusetts_madness.htm
miley_cyrus.htm
miley_cyrus_homosexual_tattoo.jpg
monsignor.jpg
mxfilerelatedcache.mxc2
nambla_exposed.htm
nambla_sickos.jpg
new_gay_america.jpg
news.gif
not_divine_love.htm
one_flesh.htm
one_mommy.htm
pederast.jpg
pederasts.htm
pedophile_connection.htm
pedophilia_and_homosexuals.htm
pepsi.htm
phillies_lose.htm
pink_angels.htm
pix_white.gif
potter_owl.jpg
potterflying.jpg
pottergriffen.jpg
prayers_for_bobby.htm
priests_and_boy_scouts.htm
proposition_8.htm
protest_gay_day.htm
protestgayday.jpg
psycholgy_graph.jpg
psychology.htm
psychology_graph2.jpg
psychology_pamphlet.jpg
psychology_refs.jpg
public_schools.htm
queereye-purple.jpg
queereye.jpg
quidditch.JPG
rachel_maddow-satan_sign-50.jpg
rachel_maddow-satan_sign.jpg
rainbow_white_house.jpg
reclaiming_the_rainbow.htm
ricky_martin-homosexual.jpg
ricky_martin.htm
riot.htm
rosie.gif
rosie__boy_george.gif
rosie_odonnell-sicko.jpg
rosie_show.jpg
rosies_wedding.jpg
rowling.jpg
rudy_giuliani-drag_queen.jpg
rudy_giuliani-queer.jpg
rudy_guiliani-crossdresser.jpg
sabrina-sayville.jpg
sabrina_logo.jpg
same_sex.htm
same_sex_marriage.htm
same_sex_sin.jpg
san_fransicko.htm
sandra_bullock.htm
sandra_bullock_wickedness.jpg
sayville-lightning.jpg
sayville-purple2.gif
sayville-school.gif
sayville1.JPG
sayville2.JPG
sayville_shs.jpg
sayville_towel.jpg
sayvillecolors.JPG
sayvilleschoolsLogo.gif
scriptures.htm
small_line.gif
sodom.jpg
sodomite_ministers.htm
sodomites_in_the_land.htm
sodomy.htm
sodomy_is_a_sin.htm
spongebob_and_homosexuality.htm
stonewall.jpg
straight_pride.jpg
sythian.JPG
tammy_fay_bakker_gay_pride_06062002.jpg
tammy_faye.gif
tammy_faye_bakker.htm
targeting_children.htm
teaching_kids_gay_sex.htm
the_agenda-sheldon.gif
the_only_gay_marriage.jpg
the_star.gif
tony_jones-apostate_pastor.jpg
traditional_values.gif
traditional_values2.gif
unholy_communion.jpg
unholy_communion2.jpg
unholy_matrimony.htm
us_map.gif
vermont_legalizes.htm
violence_graph.jpg
violence_pamphlet.jpg
violence_refs.jpg
white_was_right.htm
who_said_homo_is_gay.htm
whoopi-homosexual.jpg
whoopi_goldberg-immoral_rights.jpg
why_cant_my_daddies_marry.htm
wicked_gay_pride.jpg
wicked_verses_bible.htm
willie_nelson.htm
wnd.gif
wnd_logo.gif
The noted French atheist, voltaire, died a frightening death.
Let
me quote for you the exact record as published , When Voltaire

felt the stroke that he realized must terminate in death, he was
overpowered with remorse.
He at once sent for the priest, and
wanted to be reconciled with the church.
His infidel flatterers
hastened to his chamber to prevent his recantation; but it was

only to witness his ignominy and their own. He cursed them to
their faces; and, as his distress was increased by their presence,
he repeatedly and loudly exclaimed, Begone! It is you that have
brought me to my present condition.
Leave me, I say; begone!
What a wretched glory is this which you have produced to me!

Hoping to allay his anguish by a written recantation, he had it
prepared, signed it, and saw it witnessed. But it was all
unavailing. For two months he was tortured with such an agony as
led him at times to gnash his teeth in impotent rage against God
and man. At other times in plaintive accents, he would plead, O,
Christ! O, Lord Jesus! Then, turning his face, he would cry out, I
must die-abandoned of God and of men!
As his end drew near, his condition became so frightful that his
infidel associates were afraid to approach his beside. Still they
guarded the door, that others might not know how awfully an
infidel was compelled to die. Even his nurse repeatedly said, For
all the wealth of Europe I would never see another infidel die.
was a scene of horror that lies beyond all exaggeration.
It
Such is
the well-attested end of the one who had a natural sovereignty of

intellect, excellent education, great wealth, and much earthly
honor. (Dying Testimonies of Saved and Unsaved by Rev. S B
Shaw, pp. 49-50.)
Reading of such a dying experience is overwhelming, even to us
who are secure in salvation.
Human emotions are a powerful
source and no one can live and die without them.
Our present
generation has mainly escaped the horror of unpreparing for death

by the use of drugs to kill all pain.
death is also lost in our drug culture.
Sadly, the beauty of a Godly

The new right of the
health world is the right to be free of pain. In most cases, the pain
or joy is simply transferred to the immediate moments after death.
We are spared both the joy and the screams.
http://www.nairaland.com/746723/famous-atheists-last-wordsbefore
http://www.jesus-is-savior.com/Evils%20in%20America/Rock-nRoll/ozzy.htm
But HE {GOD Almighty, the LORD JESUS CHRIST HIMSELF} was
wounded for our transgressions; HE was bruised for our
iniquities. The chastisement of our peace was upon HIM, and with
HIS Stripes we are healed. -Isaiah 53:5
But GOD Commendeth HIS Love toward us, in that, while we were
yet sinners, CHRIST died for us. Much more then, being now
justified by HIS Blood, we shall be saved from Wrath through HIM.
-Romans 5:8-9.
Repentance toward GOD, and faith toward our LORD JESUS
CHRIST. -Acts 20:21
Please study the Gospel of John, the Book of Romans and Isaiah
53.
If you wondering about starting points, these are very good,
to say the least.

For godly sorrow worketh repentance to salvation not to be
repented of, but the sorrow of the world worketh death.
-2Corinthians 7:10.
I tell you Nay, but except ye repent, ye shal all likewise perish
-Luke 13:3.
Verily, verily, I say unto thee: he that heareth MY WORD, and
believeth on HIM that sent ME, hath everlasting Life: and shall not
come into condemnation, but is passed from death unto life.
-John 5:24.
For the wages of sin is death:
but the Gift of GOD is eternal Life
through JESUS CHRIST OUR LORD.
ROMANS 6:23
http://nextaxpro.mobile.spaces.live.com
http://twitter.com/Nextaxpro
^ I am using et cetera now instead of "etc".
for "all the others".
Et cetera, as the abbreviation, only needs to
be written or stated once.

clearer.
Et cetera is Latin
Et cetera may make the English

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Is ripoffreport.com telling you the

Is primerica a "proven, trusted company", as claimed by

Does primerica have REFERENCES to PROVE that it

is an honest, real corporation, partnership or proprietorship?

another pyramid destroyer of lives?

not a shark boiler room, surreptitious pyramid shark?

liars CONSTANTLY post praising con America, SOMETIMES EVEN

EXPOSE` OF THE MONTEBANK IS EVEN POSTED?!?!

WHAT are they afraid of?

Examine CON America!

AMERICA SCAM PEOPLE?

READ AND STUDY ALL ALL ALL of

the material that follows.

PLEASE TELL YOUR LOVED ONES,

FRIENDS, ACQUAINTANCES, PEOPLE YOU MEET TO DO THE SAME:

THIS SITE IS BEING HACKED!!!

MALWARE FILTER ON!!!

I DO NOT KNOW HOW MUCH LONGER

THIS FACTUAL BLOG WILL BE LEGIBLE!

HAVE YOUR MALWARE

There is no "guaranteed protection from viri.

do not know what viri are coming in the future;

I've used desktops and laptops

Many have had their computer

knocked down because of a virus.

PIRATE VS. AMERICA RVPS,

SVPS AND MALICIOUS APPOINTED REPS SEARCH THE INTERNET

THEY ARE FIGHTING A WAR

THEY ARE DESPERATE TO DECEIVE THE PUBLIC IN ORDER TO

THEY SPEND THEIR TIME ATTEMPTING TO FALSIFY

AND DUPE WHEN SEARCHING FOR FACTUAL REPORTS

YOU WILL GET "the blue curse of

We have furthermore noticed that some sites have

been hacked as the webpage will not scroll!

Some "wave" and

This is done by the unscrupulous so that

you will not know this boiler room pirate abomination.

Any one who would COOK UP this fraud is

PIRATE VS. AMERICA WILL FLEECE YOU.

A WORD ABOUT WHAT INSURANCE IS.

MY EXPERIENCE WITH A.L. WILLIAMS, NOW CON

AMERICA AND THE INEVITABLE RUDE AWAKENING

WHAT OTHERS REPORT.

I HAVE INSERTED WHEN

THERE ARE ERRORS AND HELPFUL TIPS FROM MY

VERY IMPORTANT ~ MORE EXPOSES OF CRIME

LATEST PYRAMID SCHEMES

LAWSUITS VS. CITIGROUP - CON AMERICA

INVESTIGATIONS OF CON AMERICA

A WORD ABOUT WHAT

Rocky's definition of insurance:

merchandising of air in exchange for money.

representative will admit to this, but THAT is what INSURANCE is.

what is really covered, premiums too high;

coverage { auto insurance and rent-a-car auto insurance are great

deductibles { nice word for not paying you

The majority of life {death }

insurance companies still sell what is known as whole life,

amusing, felicitous other names to mean the same thing or worse:

need death insurance!

Your goal in life is to become better and

better off financially.

In a financially adverse time, you fall back