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If I were you I would join wfg. The services that are offered are not wfg services, but as brokers they represent over 75 different companies which wfg provides for clients which gives wfg a huge advantage over Primerica.The main reason why wfg has a bad reputation is because they are fairly new compared to primerica, merrill lynch, and morgan stanley
The reasons I have a poor option of them are based on the agents I have met or followed into homes. Also the many underfunded inappropriate IULs I have had to undo.
They seem very similar to Primerica to me.