They start at $50,000 for older applicants and $150,000 for younger applicants. It uses a rapid data check to get you insured more quickly.Ĭustom Advantage applicants must go through traditional underwriting, but they can qualify for up to $5 million or more in coverage. This policy has three separate plans: the select, nicotine, and non-nicotine plans. It offers coverage amounts of up to $250,000 or $300,000 for individuals who are younger than age 45. TermNow is Primerica’s no-medical-exam life insurance product. There are no war or terror clauses in either policy. Both of Primerica’s term policies are renewable up to age 95.

Primerica offers up to 35-year term policies and premiums stay level for the duration of the term. Your beneficiaries would not receive a payout if you die after the term has ended and if you haven’t renewed coverage. Term life insurance offers coverage for a period of time, typically 10 to 30 years. We received no response from Primerica in our attempts to verify it. The information included here is from 2015. But its website provides relatively few details about specific product offerings. Primerica offers two term life insurance policies that include various plans and several riders. All our best life insurance companies have at least an A rating. AM Best assesses a company's ability to pay its claims on a graded scale, with A++ being the highest possible rating. The NAIC complaint index indicates how many complaints a company receives relative to its size. Our ratings take into account NAIC complaint index scores and AM Best ratings. This indicates that the overall level of customer satisfaction for the company is low relative to other major life insurance providers, even though complaints about Primerica to the NAIC weren’t rampant. The industry average is 774, and the top-scoring company, State Farm, received an 839 score. The company was ranked 13 out of 22 companies, scoring 766 out of 1,000. We typically don’t recommend any insurance companies that don't score in the A bracket.īut Primerica was one of the lowest-scoring life insurance companies in the J.D. A high rating from AM Best is important because it indicates a greater likelihood that Primerica can reliably pay claims. Primerica has an A+ (Superior) financial strength rating from AM Best, an independent rating agency that assesses insurance companies. Most top life insurers we review don’t score over 1.00. Primerica had an average complaint index of 0.28 in 2022, indicating that the company had fewer complaints than expected given its size. An index of less than 1.00 bodes well for a company’s overall customer satisfaction. An index of 1.00 indicates that a company has about the expected number of complaints given its size. The National Association of Insurance Commissioners (NAIC) reports a complaint index annually for every insurance company based on consumer complaints the association receives. Individual Life Insurance Study, indicating poor customer satisfaction despite its number of customer complaints. Low customer satisfaction rating: Primerica scored 13 out of 22 companies in the 2022 U.S.Lack of transparency: Primerica doesn’t provide enough details online about term lengths, coverage limits, or riders for a consumer to make an informed decision.No online quotes: Most term life insurance providers offer pricing estimates online, but you must call and speak with one of its agents to get a quote from Primerica.Superior financial strength ratings: An A+ (Superior) rating from AM Best means that Primerica has a superior ability to pay claims.Fewer complaints than expected: Customer complaints have been relatively few given Primerica's size.Only three of the 91 life insurance companies we reviewed offered terms this long. You can get coverage for up to 35 years with Primerica. Up to 35-year terms: Most life insurance companies offer a maximum term of 30 years.

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