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It's a glorified Pyramid scheme. My old roommate was sprung on it. His job was to recruit other people to primerica, just so that they could do the same thing. And he didn't even get paid for that shit. It takes a while before you can make money in it. And when you do, you make it off of the people who work under you, not off of clients. It's bullshit and should be illegal, since it pretty much is the definition of what a pyramid scheme is.