<prompt> Human: So a guy we know just approached us for his pitch on Primerica. I was extremely skeptical going into the presentation but he sat us down walked through a fairly standard - people dont know how to save money, if you save money in the right places you can invest it - deal. From what I could tell during the presentation, most of what he would do is offer us financial planning advise while saving us enough money to get us into mutual funds that he would get a finders fee for. I am on board with most of what he said here but what I am not sure about is the benefit of the company itself. I really do not want to get into something that is going to hurt us in the long term more than help us. At the same time, however, I do think it would be useful for us to have someone sit us down, walk us through what we could be doing better, and feel more in control of my finances. Is this what is going to happen? Does anyone out there have any experience with Primerica? If you dont, what should we ask this guy so I dont get into something annoying and unhelpful? If you do have some experience, is this easy to get out of if we decide to try it for awhile and change our minds? Thanks for any advice you all can offer. Weve had friends approach us about pyramid schemes before this, maybe his pitch was better but this seems different in that we wont be paying for anything except investments, no fees up front or anything along those lines. Just want to make sure Im not getting into something stupid.  <response>: I agree with aBoglehead, avoid them like the plague. Because their agents work on commission, they will most likely try to push you into products that will provide the highest commission amounts rather than what is best for you.If you still decide to go with them, make sure you are clear about where your money is going to. If its mutual funds, ask about DSC fees, and also make sure a KYC form is being filled out and that the agent is following your risk appetite when investing in said mutual funds. 