<prompt> Human: The wife and I are trying to sort our finances by getting out of debt and saving for our 6 month old son. We have been offered a free consulting service with Primerica, but it feels a little off...anyone have any real experience?  <response>: We have been offered a free consulting service with Primerica, but it feels a little off...anyone have any real experience?Google it. Its a scam a pyramid scheme, specifically. Stay far, far away. 