When shopping for life insurance, it’s important to compare multiple providers to ensure you’re getting the best policy for your needs. Primerica is a leading provider of term life policies, but should you consider them for your coverage? To find out, we reviewed feedback from real customers on sites like Trustpilot and Reddit to gain a perspective on the company’s customer service, product offerings and claims process.

Insurance by Heroes online reviews, Primerica clients note the company’s personal approach to insurance, with its independent yet supported agents able to visit their homes and explain how a policy would fit into their complete financial profile. But this strategy may not be a good fit for everyone. Some reviewers complain that their agents were too pushy, and others say they struggled to understand the different options.

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The company also offers a limited selection of products, with just two term life policies: TermNow and TermLife Advantage. Both have a lower premium than some competitors, but they do not offer a level of customizability that many consumers expect. Plus, neither requires a medical exam.

While Primerica has a strong reputation as an insurer, its business structure should give some shoppers pause. Its agents earn a commission from their own sales and from the sales of other agents they recruit, a practice known as multilevel marketing. While this approach does not prevent them from offering a quality policy, it may cause some buyers to feel pressured to purchase a product that might not be right for their needs.