Primerica vs Young Living: Honest Comparison
Two options, side by side, with the real costs and the honest downsides. No hype, just what I'd want my own family to know before they choose.
| Primerica | Young Living | |
|---|---|---|
| Overall rating | 3 | 3.5✓ |
| Monthly cost | $25✓ | $100 |
| Category | Network marketing | Network marketing |
| Pros | One-time $99 fee in the U.S. covers pre-licensing training, exams and license fees; You gain a recognized life insurance license; $25 a month gives you Primerica Online, the business support system; Works part time around another job | Established essential oils brand with its own farms; Essential Rewards returns up to 25 percent of orders as points; Starter bundles make it simple to begin; Wide wellness and home product line |
| Cons | You must pass a state life insurance licensing exam before selling; Selling insurance often starts with friends and family; Ongoing personal business expenses on top of the monthly fee; Canadian fees differ ($103.95 plus $28 a month) | 100 PV in monthly orders is required for rank and most commissions; Essential Rewards requires a monthly order of at least 50 PV; Earnings depend on team volume; Rules and amounts vary by country |
| Verdict | Primerica is a different kind of home business: you get licensed and sell term life insurance and financial products. The low start-up fee covers licensing costs that would usually be much higher. It is a regulated, sales-driven role, so it suits people comfortable talking about money and protection with others and willing to study for a license. | Young Living suits oil enthusiasts who are comfortable with a monthly subscription order. The rewards program is generous for consistent buyers. Check the rules for your own country, since order minimums and bonuses differ by market. |
Choose Primerica if you are willing to get licensed and talk with families about life insurance. Choose Young Living if you love essential oils and are comfortable with a monthly subscription order.
Primerica
A financial services company where independent representatives get licensed and sell term life insurance and other financial products.
Young Living
An essential oils and wellness company that sells through Brand Partners, with a monthly subscription called Essential Rewards.
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