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Semi-protected edit request on 19 April 2024

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Primerica is registered with the FTC as a general agency not an MLM. To be an MLM it would be registered with the FTC as so. 47.186.116.98 (talk) 01:23, 19 April 2024 (UTC)[reply]

 Not done: Wikipedia doesn't publish original research. If you have a reliable source which explains this, please propose it here for discussion. Please note that in this case, an independent source would be much better. Grayfell (talk) 01:28, 19 April 2024 (UTC)[reply]
Dave Ramsey, Susy Ormond or any verified Financial Analyst. Contact the FINRA or the SEC. Contact any state regulatory agency. 47.202.55.125 (talk) 00:07, 2 November 2025 (UTC)[reply]

Semi-protected edit request on 8 September 2024

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This is a request to change the statement “primerica is a multi level marketing company” to “primerica is an independent financial services company.” Primerica is often misunderstood as a multi-level marketing (MLM) company due to its compensation structure and recruitment strategies. However, there are key distinctions that differentiate it from traditional MLMs. Here's an explanation along with sources:1. **Business Model**: Primerica operates as a financial services company that focuses on providing financial education and various financial products, including life insurance and investment options. Unlike MLMs, which primarily derive income from recruiting new members, Primerica's revenue is largely generated through the sale of financial products.2. **Compensation Structure**: In Primerica, representatives earn commissions based on the products they sell rather than primarily through recruiting others. While there is a recruiting aspect that allows representatives to build a team and earn override commissions, the main emphasis is on sales performance. This contrasts with many MLMs, where income is heavily reliant on recruitment and downline commissions. - **Source**: Primerica’s company overview and compensation structure can be found on their official website and financial publications, which highlight their focus on financial service sales.3. **Licensing Requirements**: Primarily, Primerica agents must obtain licenses to sell insurance and securities, which underscores a professional standard not usually found in MLMs. In most MLMs, participants can join with minimal training and often sell products without any required certifications. - **Source**: State regulatory bodies and the North American Securities Administrators Association (NASAA) provide guidelines on licensing requirements for financial professionals, which apply to Primerica representatives.4. **Regulatory Oversight**: Primerica is regulated by various state and federal authorities given its financial service offerings. MLMs, on the other hand, often face less regulatory scrutiny since they may focus more on the recruitment of individuals than on selling actual products or services. - **Source**: Primerica's compliance with financial regulations can be confirmed through the U.S. Securities and Exchange Commission (SEC) and state insurance regulatory agencies.In summary, while Primerica has some attributes that might remind one of MLM companies, its focus on financial services, regulatory requirements, and a commission structure centered on sales distinguish it from pure MLM operations.For more detailed insights about Primerica, you can check official resources and industry analysis. — Preceding unsigned comment added by Racheljgonsalves (talk • contribs) 01:42, 8 September 2024 (UTC)[reply]

1. Are you affiliated with Primerica in any way? Given previous interactions on this talk page, I guess you probably are. If that is the case, you are expected to explicitly state your affiliation. In case you are being paid for your edits, you are required to disclose that fact. See WP:COI for details.
2. Primerica is called an MLM company by multiple reliable sources. That's why our article also says so. Please read the previous discussions on this topic. After you have done so, please explain how your comment adds any new information to these discussions. If you can't provide any new information, your edit request will very likely be rejected.
3. You said "along with sources", but you didn't actually provide any sources. See WP:RS and several other pages for an introduction on what a reliable source is. If you can't provide reliable sources for your claims, your edit request will very likely be rejected.
— Chrisahn (talk) 13:07, 8 September 2024 (UTC)[reply]
 Not done: It's been over three months, OP didn't respond. — Chrisahn (talk) 20:46, 22 December 2024 (UTC)[reply]

COI Request Edit Feb. 2024

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I have a conflict of interest as an employee of Primerica, and have a suggested update for the Info box and Products section:

1.*What should be changed: Please update the following in the Info box from:

| Alison S. Rand | (executive VP & CFO)

To:

| Tracy Tan | (CFO)[1][2] 

*Why the change: According to Primerica’s 10K filed with the SEC for the fiscal year ending December 31, 2023, [1], and the Atlanta Business Chronicle article, Tracy Tan is now the company’s CFO. I’m providing both the WP: PRIMARY source and secondary since The Atlanta Business Chronicle article is behind a paywall - here is the relevant information from that article: 
Duluth-based Primerica Inc. (NYSE: PRI) named Tracy Tan the executive vice president of finance. Tan starts the role Oct. 16. Tan will then step into the chief financial officer role when Alison Rand leaves. That will happen "no later than April 1, 2024," according to an announcement from the company.

2.*What should be changed: Please add a new 9th paragraph to the History section, in chronological order, after the 8th paragraph that begins “Citigroup attempted to sell Primerica in 2008…”:

In 2010, company employees created the Primerica Foundation, a division of Primerica that awards money to nonprofits in the Atlanta area.[3]

*Why the change: There was a previous Request Edit made on July 11, 2022 to add a paragraph about the Primerica Foundation(Talk:Primerica/Archive_3#Edits_Requested_w/_Declared_COI_2) but it was not reviewed because it was never placed on the COI edit queue. I simplified the request from an extensive paragraph to one sentence. It has been covered by news outlets such as Fox [2] and Atlanta trade publications [3].

3. *What should be changed: Please add this to the Products and business model section. It should be a new fifth paragraph.


Primerica conducts quarterly surveys that monitor the financial health of Americans[1] [2] [4] earning between $30,000 and $130,000 annually called the Financial Security Monitor.[5]


*Why the change: The company’s quarterly survey is regularly used by prominent publications in articles about the American economy, such as the included citations from USA Today and Fox Business. I could include many more but I don’t want to over-cite. The USA Today article is behind a paywall, but here is an excerpt from the article that is relevant to this addition: 

Although a majority of middle-income families continue to feel positively about their financial situation in the face of COVID-19, underlying economic vulnerabilities have surfaced, according to the latest Middle-Income Financial Security Monitor from Primerica, a financial services provider. It conducts a quarterly national survey to monitor the financial health of those with annual household incomes of $30,000-$100,000.

The Fox Business article has updated information about the income range, which is now $30,000- $130,000, as well as the updated survey name, which is “Financial Security Monitor.”

4. *What should be changed: Please add this sentence, in chronological order, to the Products and business model section. It should be the new sixth paragraph. 

In 2023,[6] the company created the Household Budget Index, a monthly index[7] that measures middle-income Americans’ purchasing power for necessities such as food, health care, gas and utilities.[6]

*Why the change: The Household Budget Index provides economic data used by reliable sources, such as USA Today and the Atlanta Journal Constitution. The Atlanta Journal Constitution article may be behind a paywall, so here’s are the excerpts that are relevant to the request: 

The Primerica Index, Williams said, is a comparison of the growth in income and the change in the costs for necessities like food, utilities, health care and gasoline.
While the index is new, it was calculated using the start of 2019 as its baseline….Primerica plans to update and release a new calculation each month, eventually further dividing the middle-income group into five, since the stresses on a family at the bottom are somewhat different than those at the top.The index was created for Primerica by consulting economist Amy Crews Cutts, who said the calculations take a very different approach from the more commonly discussed government reports.

Thanks for your time. TermLifeOG (talk) 18:34, 21 February 2025 (UTC) TermLifeOG (talk) 18:34, 21 February 2025 (UTC)[reply]

I have updated the infobox entry. I block consensus on the other changes. The existence of this foundation, this index, and these surveys is not inherently noteworthy to this company based solely on usage. If you know of reliable, independent sources about these things, you may propose them. By including this in the article without any context the article would be implying positive things about Primerica without providing context or useful information. Grayfell (talk) 05:08, 22 February 2025 (UTC)[reply]

References

  1. ^ "Primerica 10-K". United States Securities and Exchange Commission. Retrieved 3 December 2024.
  2. ^ Schilling, Erin (15 September 2023). "Successor named for longstanding Primerica CFO". Atlanta Business Chronicle. Retrieved 24 January 2025.
  3. ^ Starrs, Chris (12 January 2019). "Karen Fine Saltiel's retirement leaves void at Primerica, in community". Gwinnett Daily Post. Retrieved 23 December 2024.
  4. ^ Menton, Jessica (9 Apr 2021). "A year after COVID, personal finances are not so grim for millions of Americans". USA Today. Retrieved 23 December 2024.
  5. ^ Dumas, Breck (13 October 2024). "Middle-income households with negative views of their personal finances surges to new high". Fox Business. Retrieved 27 January 2025.
  6. ^ a b Kanell, Michael E. (22 August 2023). "New Primerica index shows household finances improving, still burdened". The Atlanta Journal Consitution. Retrieved 23 December 2024.
  7. ^ Lee, Medora (25 October 2024). "Inflation-shocked low- and middle-income Americans may not spend normally for years". USA Today. Retrieved 23 December 2024.

Semi-protected edit request on 2 April 2025

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Im requesting change in Primerica description to be removed as a multi-level Marketing company which it is not I have sources and know facts proving otherwise. Mike122392 (talk) 19:04, 2 April 2025 (UTC)[reply]

 Not done: please provide reliable sources that support the change you want to be made. Please provide the sources you have and reopen at that time. meamemg (talk) 19:14, 2 April 2025 (UTC)[reply]

Discussion

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I’d like to start a discussion about User:Greyfell’s decline of the request to add items 3 and 4 to the Products and business model section: 


3. Primerica conducts quarterly surveys that monitor the financial health of Americans.[1] earning between $30,000 and $130,000 annually called the Financial Security Monitor.[2]



4. In 2023,[3] the company created the Household Budget Index, a monthly index[4] that measures middle-income Americans’ purchasing power for necessities such as food, health care, gas and utilities.[3]


Greyfell declined to add because the survey and index “aren’t inherently noteworthy” and “including this in the article without any context the article would be implying positive things about Primerica without providing context or useful information.” The quarterly tracking survey in item 3 yields information that is widely cited in prominent business media: [4], [5], [6], [7].


The Household Budget Index is a more recent product and is also cited in business media:[8], [9], [10]


In rejecting these requests, Greyfell seems to be evaluating them by the standards of WP:NOTABILITY. Those standards apply to determining whether or not a topic merits its own article on Wikipedia. They do not apply to what information should be included within the article. Instead, information in the article should meet the standards of being verifiable, neutral, non-trivial, and containing no original research. The suggested sentences meet those criteria.


Greyfell’s claim that adding information about these products “implies something positive about the company” is a strange objection. Both sentences are straightforward neutral statements that describe the company’s research products as reported in independent, reliable sources. Thanks for any feedback.

References

  1. ^ Menton, Jessica (9 Apr 2021). "A year after COVID, personal finances are not so grim for millions of Americans". USA Today. Retrieved 23 December 2024.
  2. ^ Dumas, Breck (13 October 2024). "Middle-income households with negative views of their personal finances surges to new high". Fox Business. Retrieved 27 January 2025.
  3. ^ a b Kanell, Michael E. (22 August 2023). "New Primerica index shows household finances improving, still burdened". The Atlanta Journal Consitution. Retrieved 23 December 2024.
  4. ^ Lee, Medora (25 October 2024). "Inflation-shocked low- and middle-income Americans may not spend normally for years". USA Today. Retrieved 23 December 2024.

TermLifeOG (talk) 17:28, 12 September 2025 (UTC)[reply]

You have misrepresented my response, making it hard to accept this as a good faith proposal. My specific wording was: 'By including this in the article without any context the article would be implying positive things about Primerica without providing context or useful information.' I do not object to implying positive things about the company, I object to promoting the company without providing useful context or information. The inclusion of routine trivia without context is a form of promotion. To put it another way, neutrally phrased trivia can still be promotional.
Dragging this out and wikilawyering is not a productive use of your time. If you have a specific, actionable proposal, make it. As a COI editor, accept that sometimes the answer will be 'no'. Grayfell (talk) 22:00, 12 September 2025 (UTC)[reply]

Request edit on 1 November 2025

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Primerica is not a MLM company any more than Walmart is. Primerica is a financial products and service provider. The company subsidiaries include a licensed life insurance agency, securities broker dealer and a mortgage broker. The company pays compensation to its independent contractor representatives for product sales based on a hybrid insurance agency model. https://www.primerica.com/public/primerica-misconceptions-faq.html

Companies listed on the New York Stock Exchange are registered with the SEC. Do you think the SEC would allow a "pyramid scheme" to be publicly traded.


  • What I think should be changed:
  • Why it should be changed:
  • References supporting the possible change (format using the "cite" button):


47.202.55.125 (talk) 00:04, 2 November 2025 (UTC)[reply]

 Not done: It's not clear what changes you want to be made. Please mention the specific changes in a "change X to Y" format and provide a reliable source if appropriate. NotJamestack (talk) 21:49, 2 November 2025 (UTC)[reply]

References

RfC To Include Research Products

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Should research products of Primerica be included on the page?

The following language is under discussion:

Primerica conducts quarterly surveys that monitor the financial health of Americans.[1] earning between $30,000 and $130,000 annually called the Financial Security Monitor.[2]

In 2023,[3] the company created the Household Budget Index, a monthly index[4] that measures middle-income Americans’ purchasing power for necessities such as food, health care, gas and utilities.[3]

TermLifeOG (talk) 17:49, 12 November 2025 (UTC)[reply]

  • Exclude this language
  • Include this language
  • Include with different format
  • Include this language These are reliably-sourced, neutral statements that describe research products frequently in the news. Updates were proposed to the page with COI disclosure. The edit requests were declined by Greyfell based on application of notability standards to the contents of the page:Talk:Primerica#Discussion. Applying notability guidelines to page content is contrary to WP:NNC which states “The notability guideline does not apply to the contents of articles.” Instead, the standard here should be whether the business activity is featured in the major publications. In addition to the citations above from USA Today, Atlanta Journal Constitution, and FOX Business, the research has been covered by CNBC, CBS, and [https://www.msn.com/en-us/money/markets/primerica-reports-slight-increase-in-spending-power-for-middle-income-households/ar-AA1HoWM6 Bloomberg. TermLifeOG (talk) 17:49, 12 November 2025 (UTC) TermLifeOG (talk) 17:49, 12 November 2025 (UTC)[reply]
  • Bad RFC. This is a request to add promotional content from a COI editor who disliked the direction of the prior discussion. None of these sources are about Primerica, and the research put out by Primerica solely exists for promotional purposes, making this a naked PR exercise - which is exactly why a COI editor is so keen on including it here. It is a mistake to humor this kind of bad-faith behavior, but if others insist, the misleading misuse of these sources means it should be excluded. Grayfell (talk) 05:42, 13 November 2025 (UTC)[reply]
    This sounds like a good RFC to me: RFCs exist to get other editors involved in a discussion. For example, if we've got one editor claiming that the whole source has to be "about" the subject just to support a simple claim about the subject's activities, and another editor claiming that this information is super important, then maybe we need more and different editors to comment. WhatamIdoing (talk) 03:27, 14 November 2025 (UTC)[reply]
  • Is there anything to say about it besides it exists, TermLifeOG? Making a COI edit request doesn't guarantee it will be accepted, the whole point of having an edit request process is for editors to be able to decide to accept or decline a request based on their judgement. Alpha3031 (t • c) 15:49, 16 November 2025 (UTC)[reply]

References

  1. ^ Menton, Jessica (9 Apr 2021). "A year after COVID, personal finances are not so grim for millions of Americans". USA Today. Retrieved 23 December 2024.
  2. ^ Dumas, Breck (13 October 2024). "Middle-income households with negative views of their personal finances surges to new high". Fox Business. Retrieved 27 January 2025.
  3. ^ a b Kanell, Michael E. (22 August 2023). "New Primerica index shows household finances improving, still burdened". The Atlanta Journal Consitution. Retrieved 23 December 2024.
  4. ^ Lee, Medora (25 October 2024). "Inflation-shocked low- and middle-income Americans may not spend normally for years". USA Today. Retrieved 23 December 2024.

Request for balanced description reflecting regulator sources + independent media sources

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Edit request is declined as being LLM generated. Please don't do so again. Alpha3031 (t • c) 05:30, 30 November 2025 (UTC)[reply]