There are SO many people who think that they know SO much about these types of opportunities, but they 'indeed' do not...
Before you jump all over me, you should know that I am not a representative of Primerica, nor do I personally know anyone in Primerica.
There are MANY different types of businesses out there. The two main types of business models out there are traditional business and MLM (multi-level marketing, network marketing, etc). In traditional business, the businesses rely on spending 90% of their money on advertising, whether it be tv commercials, postcards, telemarketing, etc. The problem with this type of advertising model is that MILLIONS of people don't care: they will throw away postcards, switch the station on commercials, and hang up on telemarketers. However, even though these people disregard the traditional business' advertising, the company STILL has to pay for it right? This is where multi-level MARKETING comes in.
In a legitimate and legal network marketing company the company pays its representatives (Primerica's reps) by the customer. It works very much the same way as a car lot pays it's employees. On a car lot, the salesman doesn't get paid unless he makes a sale. In a LEGITIMATE network marketing opportunity, just because you sponsor someone in the company means nothing, you actually have to help them get a customer or two.
Network marketing provides a way that any normal person can partner up with a company and start to build a true business WITHOUT having to put up the start up seed capital for starting it on their own. The reason why there is a fee is because you are purchasing the RIGHT to become a reseller of whatever company's product or service. Very much the same as ALL the companies out there that offer some sort of affliate program!