Assure For Life Review: Pay to play funeral assistance plans
Assure For Life provides no information on their website about who owns or runs the company.
Assure For Life’s website domain (“assureforlife.com”) was first registered in 2016. The registration was last updated in May 2019.
On LinkedIn Assure For Life claims to be ‘a 67 year old international product that provides protection to 250,000 families in the Americas.’
On its website Assure For Life claims to be 70 years old.
This is odd considering the company only existed online as of 2016.
“Protecci\u00F3n Plenitud” is listed as the owner of Assure For Life’s website domain, through an incomplete address in Florida.
This appears to match up Assure For Life providing a Doral, Florida corporate address on their website.
Well, sort of. The address provided on Assure For Life’s website is a virtual address provided by Davinci Virtual.
I wasn’t able to make sense of what “Protecci\u00F3n Plenitud” is. The string appears on weird text files if you search for it.
Update 20th October 2021 – Jon in the comments below has revealed “Protecci\u00F3n Plenitud” corresponds with Proteccion Plenitud, Inc., a Florida company incorporated in 2005. /end update
The only executive that features in Assure For Life’s marketing is Commercial Manager Sandra Chica.
Be it a sixty-seven or six year old MLM company, not providing executive information is a red flag.
As always, if an MLM company is not openly upfront about who is running or owns it, think long and hard about joining and/or handing over any money.
Assure For Life’s Products
Assure For Life market “funeral assistance plans”.
A “registration fee” is mentioned in Assurance For Life’s marketing. The exact fee amount however isn’t disclosed.
Assure For Life’s funeral assistance plans cover:
- transfer of a body within the US;
- transfer of a body to country of origin;
- shipment of a body to a “country of destination” (chosen country?);
- unrelated under sixty-fives; and
- up to two people 80 years or older per Big and Small Family plan.
Coverage spans the US, Latin America and the Caribbean.
When filing for a claim, Assure For Life provides members with three options:
- National option – body transfer within the US, basic funeral expenses, cremation, airline ticket to attend funeral
- Roots option – basic funeral expenses in Latin America, cremation, airline ticket to attend funeral
- Return option – shipping of body “to the place of destination within the area of coverage”, reception at chosen destination, basic funeral expenses, airline ticket to attend funeral
Note that Assure For Life’s provided options explicitly state “ticket”, suggesting only one airline ticket is issued.
Assure For Life’s Compensation Plan
Assure For Life pays commissions on direct and residual sales of Funeral Plans.
Assure For Life calculates commissions based on “the annual value of the plan” sold. This includes a registration fee.
This suggests that commissions are calculated on an annual total of monthly fees paid.
To qualify for commissions, all Assure For Life affiliates must “make two monthly sales”.
This appears to be an ongoing requirement for new sales volume.
Assure For Life Affiliate Ranks
There are nine ranks within Assure For Life’s compensation plan.
Along with their respective qualification criteria, they are as follows:
- Beginner – sign up as an Assure For Life affiliate and purchase a Family Plan
- Junior – make two sales and generate four downline sales
- Senior – make another two sales and generate eight downline sales
- make six sales
- Director – generate twenty-five sales (personal/downline ratio not specified), recruit and maintain two Seniors
- Leader – recruit and maintain two Directors
- Manager – recruit and maintain two Leaders
- Division Manager – recruit and maintain two Managers
- Regional Manager – recruit and maintain two Division Managers
Assure For Life affiliates earn a direct commission on volume generated via personal sales.
- Beginners earn 35%
- Juniors earn 40%
- Seniors earn 50%
- Directors earn 55%
- Leaders earn 60%
- Managers earn 65%
- Division Managers earn 70%
- Regional Managers earn 80%
These sales can be to personal retail customers or recruited affiliates
Senior Residual Commissions
Assure For Life pays a specific residual commission to Senior ranked affiliates. downline sales volume.
Residual commissions in Assure For Life are rank-based, both for the qualifying affiliate and their downline.
- Seniors earn 15% on personally recruited Beginner volume and 10% on Junior volume
- Directors earn 20% on personally recruited Beginner volume, 15% on Junior volume and 5% on Senior volume
- Leaders earn 25% on personally recruited Beginner volume, 20% on Junior volume, 10% on Senior volume and 5% on Director volume
- Managers earn 30% on personally recruited Beginner volume, 25% on Junior volume, 15% on Senior volume, 10% on Director volume and 5% on Leader volume
- Division Managers earn 35% on personally recruited Beginner volume, 30% on Junior volume, 20% on Senior volume, 15% on Director volume, 10% on Leader volume and 5% on Manager volume
- Regional Managers earn 45% on personally recruited Beginner volume, 30% on Junior volume, 25% on Director volume, 20% on Leader volume, 15% on Manager volume and 10% on Division Manager volume
The MLM side of the business takes place by way of these residual commissions being coded.
That is the Regional Manager rates are always paid out on new sales.
If a lower ranked affiliate makes a sale, they receive their percentage and the rest is passed up via a unilevel compensation structure:
Let’s take a Manager ranked affiliate with a personally recruited Director who makes a sale.
The Manager ranked affiliate makes 10% on Director sales volume and is paid as such.
If we look at the Regional Manager rate, we see that 25% is paid on Director volume.
This leaves 15% of volume still to be paid out on that Director’s sale (25% minus the 10% paid to the Manager).
To pay this out the system searches upline in the unilevel team for a higher than Manager ranked affiliate (Division or Regional Manager).
If a Division Manager is found first, they receive 5% (15% minus the 10% already paid out).
The system then continues to search upline for the first Regional Manager to pay the remaining 10% to (25% minus the 15% already paid out).
If a Regional Manager is found first, they receive the full outstanding 15%.
In this manner higher ranked affiliates earn residual commissions on the sales of lesser-ranked affiliates.
Note that nothing is ever passed up on a Regional Manager’s sale, or when a Regional Manager is passed up a coded bonus.
Joining Assure For Life
As per Assure For Life’s marketing material, affiliate membership is tied to the purchase of a Family Plan ($40 to $75 a month).
A undisclosed “registration fee” is also charged.
Assure For Life Conclusion
Assure For Life definitely comes off as a faceless corporation. This is never a good look for an MLM company.
Especially when there are unanswered questions as to Assure For Life’s website presence, versus its claim to have been around for 70 years.
There’s clearly some parent company shenanigans going on here, but nothing is disclosed.
As to the plans themselves, thankfully that’s one area Assure For Life are transparent in.
Assure For Life claim to have”the best funeral assistance plan in the United States”.
If you’re shopping around for funeral assistance protection, look around and compare.
The MLM side of Assure For Life is pay to play. This is quoted directly from an official Assure For Life marketing video;
The activation process is by purchasing you family plan.
Through your sponsor, you will receive a link to access the application on our platform.
Pay to play lends itself to Assure For Life operating as a pyramid scheme.
This would be the case if the majority of Assure For Life plan holders are also affiliates (active and inactive).
For their part Assure For Life claims to have “2 million protected members in Latin America and the US”.
I doubt the company has anywhere near that amount of affiliates, so on the surface those figures look promising.
The good news is, as a prospective Assure For Life affiliate, ascertaining whether your potential upline is running a pyramid scheme or not is easy.
To qualify for commissions, every Assure For Life affiliate is required to make two new sales every month.
Just ask your potential upline how many sales they made over the past few months, and how many of those sales were retail sales.
Don’t accept vague answers, and take any hesitancy as confirmation of a lack of retail sales – both of which are not what you’re looking for.
If on the other hand you’ve found Assure For Life’s plans to be competitive, and your potential upline is running a retail focused business – it is true everyone is going to have to consider funeral costs one day.
Marketing Assure For Life could be a bit tricky. Insurance tends to put people to sleep, and nobody wants to think about their own funeral or that of their loved ones.
Personally I’m still hung up on the lack of corporate disclosure. If anyone can suss out who’s running Assure For Life, or what the deal is with the secrecy, let me know in the comments below.