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
Direct Commissions
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.
Good luck!
Based in Colombia:
Plenitud Proteccion S.A.
grupoplenitud.com/CO
search.sunbiz.org/Inquiry/CorporationSearch/SearchResultDetail?inquirytype=EntityName&directionType=Initial&searchNameOrder=PROTECCIONPLENITUD%20P050001352250&aggregateId=domp-p05000135225-4bed8a1a-061f-4444-8993-2bb27dd2fbea&searchTerm=Proteccion%20Plenitud&listNameOrder=PROTECCIONPLENITUD%20P050001352250
“Funeral assistance”. You’re dead. You cannot be assisted. You have either been erased from consciousness or something really cool, or maybe not, happens.
Either way MLM will be the last thing on your mind.
Well that solves that mystery.
Plenitud Proteccion’s website was only registered in 2017. Still confused where they’re getting “we’ve been around for 70 years around from”.
@Stevie
I think it’s more for remaining family. GoFundMe appears to have become defacto funeral plan in America.
Decent funerals are notoriously expensive. Who wants to make their funeral 5x more expensive by buying a funeral plan from some scheme where 80% of their money immediately disappears in commission?
Funeral insurance is mostly a rip-off; most people are better off with either term insurance (the kind that pays for a roof over your family’s head, in addition to your funeral) or self-insuring depending on their age and whether they have dependents.
Adding MLM to something that is already a rip-off just makes it even more obscene.
Nobody is going to be selling funeral plans under this system, only the “opportunity”.
The trouble with financial MLMs, as we’ve seen before, is that anyone can easily compare what they’d get from the MLM product with a conventional one, and it is virtually impossible to delude people into thinking that less money = better. (With nutritional supplements there’s more room for flim-flam.)
The death industry in the US is something that really sickens me. And it is an industry. It’s starting to appear everywhere else too.
Why shill fake crypto BS coins when you can charge a 900% mark up on a wooden box and never be regulated?
High pressure sales on vulnerbale people being told what’s best for someone who has moved on is just sick. It of course makes no difference to anyone who died.
It isn’t quite as bad IMO as selling fake cures and hope via MLM but we’re almost in the same ballpark.
“\u00f3” is the unicode escape sequence for an “o” with an accent over it (ó).
“Protecci\u00F3n” is the unrendered version of “Protección”: Spanish for “protection”.
Since the outfit is Colombian, it makes sense (not that I’m endorsing the business; I agree with Malthusian’s take on it).
So did I screw up or did they screw up?
Come on man don’t leave us hanging like that!
The scammers are all doing this now and ruining the company.
Oz,
I’m going to say this. When people go to the GoFundMe, are not guaranteed that the funeral expenses is going to be paid for.
In Assure for life however, when people pay for funeral expenses through their family plan for $50 to $75 a month (depending on what state they’ve lived in), covers 100% of funeral expenses (except cemetery burials), for up to six people in their family.
I definitely didn’t bring up GoFundMe as defacto funeral insurance as a positive.
Given the sheer number of campaigns, I imagine most of them don’t reach their target.
BTW, Assure for Life is NOT AN MLM COMPANY. All agents gets paid only on just one level.
Oz said:
Oz, Nobody said that you did, but you did said that GoFundMe is it the defacto leader for funeral assistance. I just point out that GoFundMe offering funeral assistance are not guaranteed!
Assure for life w/ our family plan for 50 to 75 dollars a month ARE GUARANTEED! And they will help pay all funeral expenses for their loved ones (except cemetery burials)
MLM comp plan = MLM company.
I don’t think you understand what GoFundMe is.
The people who will find benefit in the funeral cost assistance plans are mid to low income families. Families who have life insurance can usually receive funeral cost arrangements included with other benefits.
What remains to be seen with Assure is the efficiency of service and the income potential and sustainability of earnings over the long term. The income potential over-hyping by marketers will turn many off to the service.
The blurred line between marketers and retail customers is what may draw legal attention to the program.
Many will find the service worth the cost and others won’t.
The company benefits has a racist feel. They only cover cremations meaning no traditional burials to be remembered and visited by family not born.
It’s erasing peoples existence and history by just burning.
Burial decisions aren’t tied to race. As for “tradition”, cremation has been around for over five thousand years.
By all means complain about Assure For Life’s burial options but leave your clearly religious bigotry at the door. Thanks.
They are Assure For Life benefits. Exactly my point. Why just have one option and not all of them. The company targets very low income combined with race. It’s their numbers not ours.
This company has undertones of being an MLM. People are 100% paid from their own sales AND the sales their ‘team’ makes. That’s the definition of multi levels (of pay) so it’s mostly an MLM.
The drawbacks are they provide zero assistance for making sales.
Over 75% of their videos and documents are not in English. The members are barely trained beyond common knowledge.
Most MLM’s have replicated websites for agents so no one can go off the reservation and start making crazy claims. This company provides NONE of that so reps are saying all types of things, the vast majority of it wrong.
Assure needs to take ownership of being an MLM and then, act like it. Help these agents who don’t know s#@t!
Are they there any reputable people who have actually used a sewer and found it to be true to its claim?
I assume that’s supposed to say “service”?
I find it odd that people who have no desire to get involved with this company are formulating opinions about the company.
The company has been around 70 years. Most of that time, outside of America. Quit acting like America is the only country in the world.
I was offered the service. Based on the comparisons that I made, Assure for Life is the best option for your money when it comes to the product.
I was also attracted to the ‘no contract’ feature. If you sign up, and you don’t find it not necessary, you can cancel it right then.
No tracking anyone or calling anyone. Do it right on the site that you sign up on.
I get it, something new comes along and there’s skepticism.
I signed up. It makes sense to me to make my transition as painless as possible for my family. That’s what I believe it’s about.
By the way, you failed to mention that they work with the NFDA. Google it if you’re ignorant what that organization is.
If you don’t want to sign up, don’t, but don’t speak ill based on assumptions.
I find it odd you presume to know the backgrounds of thousands of people who read BehindMLM daily.
Did the MLM opportunity factor into that decision? Pay to play = pyramid scheme.
In your rush to pretend to know everyone’s circumstances and explain away valid criticism, you seem to have tripped yourself up.
Why would that come up in a review of Assure For Life’s MLM opportunity? Legitimacy via association isn’t a thing.
Sounds like something you’d only bring up to dodge addressing Assure For Life potentially operating as a pyramid scheme.
WARNING! Assure For Life is a racist company that does not want young black marketers in there business.
youtu.be/R-nd8tHWIfc
Closed my account when i did nothing wrong. Made a claim a woman i enrolled, signed up 35 fake accounts.
How did they allow 35 fake accounts to be signed up when everything is processed manually regaridng credit cards by there corporate office, not my website. This story was a lie!
Hi Rodney, first thing I want to clarify is your termination appears to have nothing to do with racism or “young black marketers”.
Playing the race card arbitrarily not only diminishes actual racism, it makes you look like a putz.
As to 35 fake accounts signed up by your downline, I’d be getting in touch with your downline. Sounds like that that downline either outed you or threw you under the bus upon being caught.
I doubt Assure For Life would’ve acted on just verbal representations, there’s probably a paper-trail.
As for the phone code thing being bulletproof, if someone is intent on signing up bogus customers that can be overcome with burner SIMs.
As to holding you accountable, if Assure for Life has evidence there’s nothing unusual about them terminating you.
I can’t confirm whether Assure For Life has that evidence, that’s an unknown.
Also this sentence from your video is worth addressing:
This is already illegal as per the FTC Act (income claims/marketing). The FTC has recently signalled they intend to come down on this hard.
Assure For Life aside, I think you’re going to have a hard time in any reputable MLM company promoting income over products/services.
Oz,
There are valid criticisms and there are people who choose not to research. Which one are you?
You pick and choose parts of my comments and make a feeble attempt to make yourself sound intelligent?
How about this, if you don’t think this is for you, then go do something else. You seem competent enough for that.
What I posted is what I found while doing a little background info, before I made my decision. I chose the product.
Time will tell as to whether I made the right decision. At least I made a decision. You’re in this forum complaining about a company that isn’t doing things to your satisfaction.
Why complain? You’re free to go elsewhere. Take care, buddy.
Lots of waffle. Response not addressed. No questions answered.
I’m the guy who wrote this review. The guy who spent days researching Assure For Life and putting it together.
Getting defensive when someone asks questions about your MLM company isn’t typical consumer behavior.
I like vanilla coke. If someone asks me about coca cola the company I’m not going to get butthurt about it. I couldn’t care less about the company.
Getting defensive is what someone does when they want to protect their income opportunity.
Let me guess; You’re part of the group that got recruited into Assure For Life over the past few months?
Thank you for confirming you signed up for Assure For Life for the recruitment commissions.
Either answer questions when you come on here to discuss your MLM company. Or sit down, be humble.
Once again, if you don’t like it, why complain? Move on.
I don’t recall complaining. I hadn’t given Assure For Life a second thought after the review was published.
I do however respond to comments left on BehindMLM’s reviews.
If you weren’t interested in a dialogue with someone who saw through you, you shouldn’t have started one.
Don’t like uncomfortable questions? Move on.
I’ll follow up here…. The truth is I was recruited into Assure in this recent push to find marketers like myself and a few others.
However once we were inside it seems this company decided they want to return to an “insurance” approach to sales.
That’s perfectly fine but they sure enjoyed the proceeds “Greg”, “Rodney” and I brought in.
They likely sell a minimal number of memberships weekly before we got here and in less than 30 days I brought in 50 people.
Now, yes, I kept my paid commissions too but at least be honest about how the 3 of us market and have the guts to say you’ve changed your mind about true marketers and prefer a more benign sales pitch. Similar to traditional suit & tie, at your couch selling insurance.
Can someone show me proof that assure for life is registered with the NFDA because when I go to the nfda website and click on search for a funeral home, neither of AFL addresses are coming up.
Apologize if i am doing something wrong but where the proof?
@Rodney Walker, you’re barking up the wrong tree. The National Funeral Directors Association (NFDA) is a trade group establishing standards for funeral services companies.
Assure for life, as crappy of an opportunity as it is, is an insurance for final expenses kind of deal.
They do not directly offer funeral services and are therefore not under the purview of the NFDA.
On all these zoom calls, they claim to be a part of the NFDA. I have heard rock and terrence say this many times.
They are the spokes people for assure for life in the usa pretty much so why do they keep saying this?
I called to find out if theybare a member and here is what happened.
youtu.be/JTtyFBulvus
So now Assure came out with a new brochure where they no longer mention NFDA.
I had a chat with the NFDA today. My interpretation from that discussion is that Assure for Life isn’t officially partnered with them, but they do reference members of the NFDA when a funeral service is needed.
I think that there’s disconnect between the two companies on that part, but the rep from NFDA that I spoke with did say that they have been on the phone with a top rep from Assure for Life.
I’m not sure what that conversation entailed, but I was told that it wasn’t bad. The two are working on something.
That’s just what I was told. You can get on the phone with the NFDA pretty easily. There’s no hold.
My video explains it all. They are not members. They lied.
Anyone can choose a nfda funeral home. They promoted a lie as if they earned a right to be in the nfda.
Did you know anyone can pay for a A plus rating with the bbb also? I exposed that years ago.
Called multiple Funeral Homes and asked has Assure For Life ever paid them for someones funeral and they all said they never heard of assure for life.
Watch: youtu.be/S11ovtH6oqs
What exactly is that supposed to prove?
Whether random funeral homes have heard of Assure For Life has no bearing on due-diligence into it as an MLM company.
These funeral homes are all with the nfda. If assure for life is hsing these funeral homes as they claim, none of these have heard of them.
I am going to call 95 more funeral homes. So assure for life is not paying for funerals as they claim that are with the nfda. Seems like a bad boys 2 cover up.
Has Assure For Life claimed they’re an NFDA member or just promoters?
What I find interesting is that Assure for Life has 7 reviews on the BBB profile. All 5 stars and ALL written in the last 3-4 months.
If you’re on the inside, look at the people behind those reviews. You’ll see names we all know.
Wouldn’t you assume such a great company, paying for funerals in the US for 16 years plus would have at least one review that goes back further than September of 2021??
I have a feeling, call it a hunch, that we’ll see this company plastered all over the internet when they receive a knock at their door from at least one government agency.
Exactly. If they don’t or can’t produce a satisfactory track record of completed services for the period of time they claim to be in business, one can not rely on them to come through when it’s time to start making arrangements.
Assure For Life had a price change at the beginning of 2022. It seems after talking with people in this group. The Family Plan changed in the lower special states [6] states only from 50 dollars a month to 60.00 a month.
The company is also difficult to reach when a new advisor signs up according to my source with the company.
It seems to also be their policy to force a new advisor to buy a plan before they can market the Assure For Life products.
One Lady is single and agreed to buy an individual plan at 25.00 a month. She has no need for a family plan at 75.00 a month.
Assure For Life is telling her she can not be an advisor unless she buys the more expensive family plan.
I do believe this company is violating FTC rules. Other companies tried this in the past and were fined a fee for violations such as this.
The communication is terrible with the company’s Home Office. Hours to get back with an advisor and all Spanish very little English.
The FTC ruled that a Marketing Company cannot force or make a Person buy the company’s product to be an active Advisor or Marketing Person. That is a violation.
It appears this is going to be an issue. The company will get a visit from a FTC, or a Order to Answer a summons.
Assure For Life is Not Answering My Friends Phone Calls Into the company. They are aware that He has found a issue with the way they conduct business.
This company he told me is suspect to avoidance when issues are involved. He wanted to say that if a company that offers a service as they do and customers have such a no contact with them one line (removed).
One has to suspect some kind of scam is in motion. They avoid all communication and make it impossible to speak with a manager.
If you do get a person that answers the phone? rarely. They cannot help you. They claim they will speak with the Manager about a persons issue. Yet they do not get back to my friend as promised.
Can you imagine what would happen if one died and no one answers the companies phone for service? This company is mickey mouse and has a small staff of do nothing.
My friend is going to complain and see why this company is lacking communication, and violating FTC policy by making a prospective advisor buy a expensive plan in order to market their program? Like Pay to Play.
I am sure a govt agency regulator will like to hear about this Fraud.
Long Post ALERT (PLEASE TAKE THE TIME TO READ)
I NEVER post anything online, but for this I felt compelled to. I have read many of the comments on this platform and others. I initially had my questions and concerns as well about this company.
But rather than taking in what the internet had to say, which I do respect others opinions, I decided to get first hand knowledge and join this company to see what it is really all about.
I experienced immediate value as a service member and will share with anyone who wishes to reach out. But for now I am just sharing my viewpoints.
Let me respectfully say for those of you that think this company is a SCAM you are SEVERELY MISTAKING. Above anything else that people MAY SAY about this company, what I look for in any company is “DOES THE COMPANY DO WHAT IT CLAIMS TO DO REGARDING THE SERVICES IT STATES IT PROVIDES”.
The answer is an OVERWHELMING YES all the way around for this company.
Now, I am not saying they’re perfect in execution of everything, but what company really is?
However, regarding SERVICES PROVIDED TO A GRIEVING FAMILY or supporting AGENTS’ regarding CRM to manage their client & COMPENSATION to earn a living, everything they promote and the Agents promote is 100% accurate and A+ for services provided to families.
Again, I am not saying everything is 100% perfect, but their services rendered is exactly what they SAY and CLAIM.
I respect anyone’s experience that they may have had with getting through when calling the customer service number which is COMPLETELY DIFFERENT THAN THE CLAIMS NUMBER.
However, you tell me one company who’s customer service division has not been overwhelmed or challenged ESPECIALLY since the pandemic hit.
Many companies have long hold/wait times or promise to call you back via an auto callback dialing system which may or may not occur as expected due to call demand.
I experienced the good and bad of that with many companies, oh well, I chalked it up, reattempt until I get through and keep it moving.
I am not saying that is the experience with this company but I am saying how I personally navigate dealing with any company or organizations customer service department.
I am not here to challenge anyone’s opinion or personal experience or even say I know EVERYTHING about this company. What I am saying is that what I do know and have experienced or witnessed is enough for me to CONFIDENTLY say this is GREAT SOLUTION for ANYONE or Families that need it the MOST.
For those looking for a NOBLE INCOME OPPORTUNITY this REALLY IS just that…a NOBLE OPPORTUNITY in a Niche Marketplace.
IF you have the RIGHT HEART TO HELP FAMILIES THAT NEED ALTERNATIVE SOLUTIONS than the traditional solutions, then I believe you have discovered an answer.
Not that they are the be all to end all but a peace of mind solution and fair value, CHECK they are exactly that and can be life changing for those who are consistent and decide to promote their services.
LONGTERM, I believe this company will be positioned and will work-out any GROWING PAINS to provide a PREMIER SERVICE that NO ONE ELSE IS DOING AT THIS TIME and will be the leader in the Funeral Planning Market.
IF NOT and that is a BIG “IF” they FAIL, I would have SOLACE knowing my intentions were pure and at this time I believe the company’s intentions are pure and they have demonstrated a continue pursuit to excellence in service.
I applaud them for looking at what other’s are not doing and offering something different to fill a void in the area of Funeral planning.
As they crack the code and generate momentum in North America, those that saw the vision early on will be thankful they got involved when we did and endured the drawbacks, skepticism, misunderstandings and ridicule that comes with taking a risk of doing something and offering something different.
For those old enough to remember when Hyundai (Ozedit: derails and spam removed)
In other words you went looking for confirmation bias and found it. This is a terrible approach to MLM due-diligence.
MLM companies engaged in pay to play lend themselves to being pyramid schemes. All pyramid schemes are scams.
You didn’t address this in your comment (not in the waffle I edited out either).
Short Post ALERT!
Who owns the company?
Why is reparation from outside the USA (i.e. Canada, Brazil, Argentina, Mexico, et al) not included within the insurance package?
Do they or do they not operate a Multi-Level-Marketing scheme?
I don’t know what to think right now. But I can tell you this much…they are possibly partnered up with some other possible scam artists that I had an interview with a couple days ago.
A so-called business called “American Law Firms” is posting jobs on craigslist with a Senior Hiring Manager named “Wally Smith” They interviewed me and offered me a full-time, WFH Digital Marketing Specialist position with full benefits, an hourly wage of $25/hr, and up to a $5000 sign on bonus.
They “reluctantly” offered me the Marketing position after I turned down their first offer that the guy was aggressively pressuring me (or trying to) to take the “Certified Funeral Specialist” position they had available.
He explained that they partner up with Assure For Life to help promote the final expense services.
After glamourizing this so called position for 15 min the shoe that I was waiting for then dropped…lo and behold at the end of the explanation of the infamous Funeral Specialist position he had to inform me of the $255 certification fee (because I live in Kansas) I would have to pay before I could even start working.
He didn’t know that I have an insurance background and actually at one time obtained my license in Florida. But, as I was asking him questions about their certification and why wouldn’t it be a license, etc he wavered pretty bad and started getting annoyed with me.
He really was pushing it on me then and finally I asked him why he was so adamant I accept the Funeral Specialist position. I said “you just told me at the beginning of the conversation that you had great news because you wanted to offer me a couple different positions to choose from that you thought I was perfect for–the funeral specialist AND the Marketing Specialist.
If this is true, why would it matter which one I choose? I do not pay to “work for other people”.
I pay for business opportunities though, where I will be my own boss without a 90 day trial period. I choose the Marketing position that does not cost me $255 just to get my first day of employment started!”
Now mind you, I already knew at this point I would not be working for this ass hat! He was pissed.
He said “If you want to be an idiot and turn away a $30/hr or more position, that’s your perrogative! But I am really going out of my way here with you by even offering you a position at all and quite frankly you should feel lucky that I am even still on the phone with you! As soon as I hang up with you, I can sign someone up to take over the spot I decided to give to you!”
I laughed and just said, “Wow. Mr. Smith. I apologize. Clearly, you are so passionate about this Certified Funeral Specialist position! I see that and I didn’t mean to offend you. I sure hope you’re right about that though! Because I do not want to be a funeral specialist anyway”.
He then quickly said “I need to know your decision now. What’s it gonna be? if you want the marketing position I will draw up the paperwork and offer everything in writing for you by tomorrow afternoon. There will be a $50 charge for our website outsourcing. You will need your own website to market our products and we just started outsourcing our website design work so I am pretty sure it’s $50 give or take I will let you know if it’s more. I will need you to pay that before we get you started.”
I then said, ” I am confused. So will this be my marketing business? Will i still be receiving an hourly wage or will you be contracting me out? Just making sure and btw I actually know how to design websites. I actually do it on the side for people so i could just design my own and then run it by your company to get it approved. That way it saves me having to pay a company that is hiring me, I can get started sooner and it saves your company time and money as well! It’s a win-win!”
He said “oh no! it has to come from our people and Assured Life is very very strict. They wouldn’t allow an employee to do the websites”.
We then set up an appt to go over the paperwork and pay him the website fee this thursday and he agreed to get me the paperwork by today to give me time to look it over. I haven’t received a thing. And I am sure Thursday won’t happen.
I think he figured out I wasn’t gonna let go of my banking info anytime soon. However, he may still try.
He was pretty pissed and was outright mean I wouldn’t be surprised if he still doesn’t try to get my ssn and all employment info.
Aint gonna happen. Beware people…the scammers are thick right now with everything going on in our world!