A guy named "Nick Hardy" from Primerica in Bountiful UT, which is a total MLM. These guys will find your resume on online sites, call you up and offer an "opportunity" to work in "financial services". They won't tell you that it is 100% commission, that they don't pay you benefits, and that they call anyone with a pulse. All they want is your $99 for a "background check" and a list of 25 people you know so they can call and harass them too.