PRIMERICA life insurance?

i know about their sales approach but that's not what im asking

im asking if anyone has any experience with their life insurance policy which is currently the cheapest for me and bf and have somehat more lenient rules 

their prices rank "cheaper" because not many companies compete on term-30 or term-25 basis.

I've replaced a few primerica policies over the years because the polices are falsely sold as Term-to-age-95 but the client is never informed on the annually increasing insurance charges after year 30.

The real issue... All other insurance companies carry a renewal and conversion priviledge...Primerica has NOTHING of value for the consumer to renew or convert to. This will price you out of the policy and thereby stuffing the company's pockets because they rarely have to pay any claims.

p.s. they will try and get your all your business too....mortgage, investments, insurance, etc...

p.p.s most sales people at primerica are "part-time" which means that they probably won't be your advisor (using the term loosely) for long...BUT they came with a great script and presentation and they bashed the bank and they talked about a "rule of 72"...etc... lol

Plus you get features like "Terminal Illness" (same as Primerica) where if you know you are going to die within 6 months (with proof), you can take out 40% of the coverage amount. 

That sounds like an AXA policy. An interesting feature but what people don't understand is that if they took the terminal illness claim, it may treated as a loan from the insurance company and interest will be payable (I know that Primerica does this for sure...any way to get something back in their pocket)

Also it's misleading because a person may now stay away from critical illness insurance thinking that they have coverage.

NOTE:

Critical Accident
Terminal Illness

If you have any of these 2, then you DO NOT have Critical Illness insurance, which protects you in the event of a diagnosis of a number of conditions. The 2 above are very difficult to claim and you pretty much have to have one foot in the grave to so so...(have fun fighting with an insurance company then).