Traditional financial advisors offer comprehensive financial planning services, including investment management, retirement planning, and estate planning. They can provide personalized advice and support, but their fees can be higher than those of Primerica or robo-advisors.

2. Limited Product Selection

When investing through Primerica, you may have limited control over your investment choices. The company's representatives often guide investment decisions, which may not always align with your individual needs and priorities. This lack of control can be a concern for investors who prefer a more hands-on approach to their portfolio management.

Primerica offers a selection of mutual funds, allowing investors to diversify their portfolios. Mutual funds pool money from multiple investors to invest in a variety of securities, such as stocks, bonds, and real estate. This diversification helps mitigate risk and potentially generate higher returns over the long term. However, it's essential to understand that mutual funds involve fees, including expense ratios and management fees. Investing in mutual funds through Primerica may carry higher fees than investing directly with a mutual fund company.