<prompt> Human: Hey all, I have a co-worker of mine whos wife works for Primerica and swears by the services they offer. Im a bit skeptical of them so Ive tried to find information and testimonials by people who have utilized their financial services, but I havent been able to find much. Outside of a lot of people complaining that theyre a pyramid scheme, Ive found very little regarding their options in terms of investments. Has anyone had any experience with Primericas investment accounts?  <response>: Well, its a pyramid scheme. The people that handle your investments are part of that scheme - people who do the bare minimum work of obtaining whatever investment license. AKA people who take 1-2 classes and are suddenly experts at investing. Look at it this way - if the investments were really as superb as they say - would your coworker still be working? 