In this video, I haven't hear anything about what this business about. Whaere is the company headquarter locate at? What kind of product the company sale?
He didn't get success in his market probably because he is really shady and his friends don't trust him. As for any thing you hear about WFG. Lets put it this way: If someone worked at Best Buy who was found to be stealing people's credit cards through thier business would you stop buying electronics at All best buys because of one employee? An entire company can't be held responsible for a single agent making a mistake or breaking the law that governs him to do the right thing for clients
To anyone who has been reading this BS conversation.
I'm sorry you had to go through all this. This video is misleading. It actually has nothing to do with WFG and looks more like a scam. WFG is a company they follow all the laws. Just like any company you will have some people in it who are a little too ambitious and they get their license taken away. the goal of IUL insurance is to put you into a much better place than you were in before by spending the same as a cable bill.
@williamholsey What a total waste of space and time you just spent telling a ridiculous lie regarding Primerica. PFSHMI never wrote bad policies (ARM's) and they never received any bailout money. That was CitiBank. I guess that is your only comeback rather than address the issues I brought up regarding your rip-off life insurance 'savings' programs. A bank savings account does not make you borrow your money when you make a withdrawal stupid. (cont.)
@williamholsey Now answer the question you fucking coward. Does the face amount of your IUL policy drop by the amount you 'borrow' or not? All anyone has to do is look up a consumer report regarding the complaints WFG has received and the story will come out. Like I said go on Wikipedia and compare the two companies. Your company, which was an offshoot of Hubert Humphy's WMA is surrounded by litigation and fines, and your people are trained to rip off the consumer. Now report me ASSHOLE!
@williamholsey From Wikipedia. Regulatory issues and lawsuits: It is yet unclear how successfully the company has managed to distance itself from its more controversial US based predecessor WMA, associated with fraud, misrepresentation and false statements, and the subject of class action lawsuits, and National Association of Securities Dealers (NASD) disciplinary action.
@williamholsey Some state securities officials, including those in Iowa, Alabama, Missouri, Utah, and Minnesota, have filed lawsuits to bar inappropriate sales practices by World Financial Group (WFG) and World Group Securities (WGS).
In March 2011, the Financial Industry Regulatory Authority (FINRA) reported that World Group Securities had incurred ten regulatory penalties since 2004.
@williamholsey A 2004 NASD disciplinary action report summarized disciplinary actions against WGS. According to the report, WGS "submitted a Letter of Acceptance, Waiver, and Consent in which the firm was censured and fined $15,000.
In December 2006, WGS and one of its brokers were fined $150,000 by Missouri's commissioner of securities for selling unsuitable products to elderly people.
In April 2007, WGS was fined $50,000 for failing to supervise its representatives in the State of Utah, who were misrepresenting their credentials and services rendered during free lunch seminars targeting seniors.
In June 2007, a couple filed an NASD arbitration claim against WGS, alleging misrepresentation that caused them to lose over $500,000 on investment products that were unsuitable for their risk tolerance.
In April 2010, WGS was fined in excess of $850,000 as the result of the unauthorized sale of private securities by some of its agents in the State of Arizona.
In May 2010, the U.S. Securities and Exchange Commission (SEC) filed a federal case against two former brokers of WGS, accusing them of having raised approximately $14,800,000 through the offer and sale of promissory notes as part of an illegal Ponzi scheme in the States of Ohio and Florida.
In November 2010, the SEC ordered WGS to pay, among other things, a civil monetary penalty in the amount of $200,000 for the fraudulent selling of unsuitable securities in the State of California, which were funded using home equity, derived from the refinance of the customers' homes into subprime mortgages.
See asshole, you think I don't know what you truly represent? ... Idiot.
Jamal .... Did your mamma ever tell you "nothing on this earth is free". You are a model bottom feeder and should seriously consider getting a "real" job. Unfortunately, in order to do this, you will require some sort of skill .... yours appears to be wasting time while you should be out there flipping burgers.
I don't think that just about any financial services company is a scam. Considering the legal hoops everyone has to jump through and the constant auditing the governments do. However that company you mentioned. What was it a .ws company what is .ws? Last time I clicked a link with an ending I didn't recognize I got a virus....
If this is a scam shouldn't the government shut this financial firm down already along long long long long long time ago? I have seen a senior marketing director go into a Lexus dealer ship and within a few hours she drove the car out of the dealship and then to the meeting. You don't believe it till you see it.
Get a life!!!! We are proud company at WFG. Get educated before you judge... You dident get sucess because you quit... Quitters are losers.... Good luck with being on youtube I am making money are you????
I assume u r asking why I sold and made less income than others?? I believed doing what was right for the client..ALWAYS over my personal gain. I was I hope always completely honest w the client., I earned a decent income at times and other times , I didn't. Greed is sadly agents motivation. My Christian and family values never have to be in question. I teach my kids always be honest, NO MATTER WHAT.Hope this helps. Feel free to ask any detailed questions. Thank you for your interest. :)
I was an agent with WFG for several years! I am no longer part of the team, because I had a stroke.Bottom line. ANY FINANCIAL SERVICES FIRM THAT DEALS WITH THE TYPE OF PRODUCTS WFG USES, REQUIRES LICENSING BY STATE AND FEDERAL AUTHORITIES. Wake up! Sadly there are bad agents out there In ALL financial services companies. I helped people and aften wasnt paid cause I didnt sell products unsuitabkle for use. I trained my agents and teams proper useage and keeping it LEGAL! STOP GENERALIZING!
NO JOKE. I went to a world financial group motivational and the speaker was introduced with "eye of the tiger" playing in the background and the speaker yelling "What do we want" .."Money!!".. "When do we want it?" .. " Now!"... That's when i knew something was terribly wrong.
@edoman Somehow I don't doubt that. Ive seen them do some pretty stupid things. Even through all the corny bs though. I can see how credible it is, and that is a real place that I can make my real job at some point. I studied for the license. Its illegal to get someone to cancel their insurance, or investment and get them a completely equal item of same value so that you can "sell" them it. Its calle
They are a multilevel financia services company. Take an eucated look at them after you tell yourfriend no thanks. I was involved with them all the way back to ALW. I would just suggest that you stay away from them. I don't want to repeat hat others have said here and you can read up on. Run, do not walk away from them.
I had some real bad experiences in WFG. Cult like, close mindedr and your friends will hate you after you hit them up for securities and insurance. I just choose to stay away from them in every way. You must be licensed to sell, so your RVP or someone will sell your friends the services, sales. He will et the referrals and you wont!! You will loose them as future sales as well. It is designed for you to fail snf loodr your list of people to the guy making the training sales! Stay away!
To all the people who are claiming WFG to be a pyramid scam, have you looked at your company's corporate set up lately? All the people above you are making money from your efforts and you stay stuck with no opportunity to move up, well, unless one of them dies or really screws up. NOW THAT'S A PYRAMID FOR YOUR **S.
I better type this before I sound like a WFG cult member. No, I'm not endorsing them. I couldn't care less... I just hate when people who make ignorant claims about a company without doing the research. Now I refuse to work with them and wouldn't take one of their financial plans. I make a solid income online, so I don't want to get recruited or go to meeting. Too much trouble... Too much rahh rahh... I do that now in my jammies at home while everyone else is at work.Gotta love the Internet.
Be cautious and look into this very well, scams are usually so inviting that they catch the eye of a person, especially one that is vulnerable, for instance, someone with no job, and wanting to make ends meet somehow. Remember, if it seems too good to be true, it probably is. A word to the wise.
@1tube47 You started off with such great advice. Always do your due diligence and check things out at first. But then this junk about If it seems to good to be true. So what, your suppose to go after the things that don't sound good. Thats horrible advice. You sound like you've been jilted or something. Here's some advice take action, make an honest informed decision and do right by others.. Don't walk away cause something sounds good... jeezzzz....
I'm invested with WFG, I'm beginning to regret it after reviewing the first semi-annual reports. Seeing how they have something called reinvestment distribution where they reinvest your investment every month at a Fee. They don't tell you about that though. And you can't look at your investments until after their semi annual reports are done so once every 6 months. So far I'm down about $1500 on a $27,000.00 investment. Sure the markets are down but why reinvest each month, this is brutal.
I love WFG! No matter what they say about it, I would not believe its a scam! WFG has given me the greatest opportunity to make money and to travel around the world free! I don't believe what people say, they are not the ones giving me money, they are not the ones who will send my kids to college! The people who say that WFG is a scam are those who wanted to make millions but don't want to work! These are the disgruntled people. One thing sure, this is a highly regulated business and not a scam.
@probslpwtyormama : WFG is not under investigation... like any business/company you will encounter particular agents/individuals that are unethical, but that does not mean the company is bad. Would you stop shopping at your local supermarket because you had an argument with a bagger? It was that individual bagger you had the bad experience with, not the supermarket chain.
@ladydeejay100 Do you think you can reach your dream by having WFG allow you to keep only 25% of your money? Also, what if yo cannot recruit people? How can you get promoted with no downline?
@ladydeejay100 why are the life policies you sell 90+ pages? why does the ART GO UP EVERY YEAR HOWEVER THE PREMIUM STAYS THE SAME? what is a surrender fee? when there is a "shortfall", due to the COI EXCEEDING THE PREMIUMS PAID ARE THE SAVINGS IN THE POLICY USED? do you have to pay taxes on money that is already taxed? how many fees are there before the premium goes into the savings?
ok so you claim WFG to be a scam.. why just because you failed to be successful at it..... by the way you talk i can tell why you failed at it... you say oh i failed at WFG but i got this going on now????
Just a question, if quixtar or WFG didn't work for you but it's worked for many others including myself, it makes you think? What the hell were you doing for it not to work. Dude it's not rocket science to make these things work. It does not require some secret gameplan. It boils down to work ethic. Maybe your just not that good at talking to people. Why the hell would anyone take advice from a person who can't succeed at things that other people are very successful at. Makes no sense at all
Just an example of an employee mentality. People like you never succeed at business because of your mindset. We need people like you to drive our busses, serve our food or keep our electricity running. People with your mindeset work for people with a business owner mindset. Good luck and keep climbing the corporate latter. Thats the way to go. I don't support this video, but people can do anything they set their minds to. Sounds like you set your mind to company man........
you see someone who truly has made it in this business and also has a education behind them doesn't have to resort to using curse words over the internet with a blind hatred over their main competition. Perhaps you should quit your company and actually make some money. I mean you did read your contract right. You can get fired did you know that.. You own nothing from PFS, if they choose to let you go for any reason, they can. That sounds just like the companies we all tried to get away from.
nodo. Since you like to curse at people curse at whoever told you that you had any experience at helping families. Answer me this. Which one helps out the family the best. Debt consolidation which has a big fee on the front end of the deal and doesn't help your debt out in any short amount of time and by short I mean around 5 years or debt settlement, which will clear your debt up in less than 5 years and give your credit report no strikes? Well primerica termite which is it.
More over you want people to deal with term. Which gets you nothing unless the family member dies on time. You want them to invest their money into a Ira which is taxable up to 50% on distribution. You know nothing and have a child like mind. Stop lying to anyone who'll listen first learn your craft. You don't have 23 years. You probably don't even have 1 year. Here's what I do know , Citibank is in financial trouble and so is PFS. Did you even know that. Don't start what you can't end.
dude do you know anything about life insurance? I highly doubt it. cause first off, only a loser would start off with curse words, you could've tried to state your claim but you can't cause you don't have a claim. Yes UL cost more but the benefits far outweigh the price. Term is taxable, UL isn't in most cases if you play your cards right. Term has a set face value, UL has a increasing cash value. Term has issues.
I could blow you away with what I know about life insurance products you dumb shit. I have a securities license, a life license, and a doctorate degree and I know what the fuck I am talking about. I have studied this industry for 23 years. I will destroy any argument you have supporting life insurance as an investment..... Anytime and any day.
WFG is a bunch of losers who followed that ego-maniac train conductor bozo Hubert Humphrey. What a total disaster he made of WMA. You are so in the dark about this company you represent. The little Mormon army of half-wits scamming the public out of their hard earned dollars so they can make bigger commissions rather than just spending a little time educating them about the hazards of cash value life insurance.
So you claim that we scam people huh. First off you're a liar , Secondly to scam someone is to tell them what you can do for them and not show them how they can do it for themselves first. That's a primerica tactic. Secondly you take a huge chunk outta peoples lives by having them take equity out of their homes and refinancing it. The government already talked about that scam. Didn't your boss get in trouble for Lying about WMA dealing with Men's Magazine when he tried to take over WMA? yes
as you answer that question. Answer me this one. Which will help a family out more. A term policy which has only face value and is only collectible upon death with taxation upon every premium which you neglect to tell people or a Universal policy which after 10 years a huge part of it can be taken out without being taxed in case the family is going through a rough time like most families are today? I bet you still have no answer.
their family's problem if they die or are the key income provider. you'd rather give them something that will be taxed annually cause it's cheaper at first and make you little commission cause it's fast and easy to not explain exactly how money works, oh wait. You don't know how money works do you. You actually read off a script how money works and that script is outdated and not friendly to your clients. you actually know nothing about WFG or Primerica except what they tell you. you lemming.
Lies will get you nowhere. But hell here's a little test primerica guy. I've heard your routine and none of it helps out any family. you do a juggling act that still puts the client in a situation where they owe the same amount just hopefully to a different person. So since you claim that the industry doesn't do whole life which isn't true and that it's bad for you "by men's magazine" which is owned by Primerica owner and mostly deals with health topics. How do you save tax free money?
Okay I'll make it easier for you. Primerica guy since you talk big but can't back anything up. Which is better. When it comes to being able to store money for retirement. Which is better, Roth IRA, A regular IRA, HR-10 Plan, 401K, Term life policy or a Universal life policy. I know you know nothing and you lie about your U-4 license and definitely it isn't hard to get a life license. And we all know you're lying about having a Doc. in this cause you don't know anything. you called WFG a scam.
Since you curse so much to people who threaten your intellect let's do just that. You would rather have the banks who we all know aren't trust worthy with our money and can care less if we eat or sleep under a roof have all our money, consolidate all those accounts which might not be with the same bank and that then means that there's gonna be issues with the bank okaying the account. You'd rather have your customer's be taxed almost 50% of their life savings and give them a temp solution to
If there's a better company than WFG then let them come out of the dark. PFS is all about survival of the fittest. you don't care about your clients. you don't even bother to really learn about insurance laws. you don't actually know anything about insurance laws do you nob. how many policies did your company write this year and people actually kept versus how many were denied cause the client was unhappy. More than you wrote. that is what a scam really is. You make no money.
First of all you are very ignorant and lack a great deal of intelligence. Over the past 20+ years I have paid 12 death claims to families that would have been devastated if they went with your philosophy.
In almost every case, except for new business, I replaced that shit you peddle. People that were insured with numerous little shit ass cash value policies now have hope for their family. You are the scum of the earth for what you do and you know it.
And for those clients that have not died, obviously the majority of them, they are well on their way to a substantial retirement. Your stupid fucking policies just eat away the lousy investment portion because the cost of insurance rises over time. Those policies you sell self-destruct unless more premiums are added. What a shit hole deal that is, and what a shit hole you are for selling it.
So you're gonna help them retire. Huh. So I guess that means that you can sell them a Annuity right. Oh wait you can't. Oh wait you're gonna sell them your annuity cause your company does such great business. right oh wait who bought you out cause your company is making such great business decisions. Yeah. I'll tell you what I'll offer you a chance to make some real money and a real change in people's lives for the better, I'll hire you. show you how to help a family out for real.
I am 'gonna' show them how to properly manage their assets you dumb fucker. I would only recommend annuities to a client in certain cases after other options have been met. I am fully securities licensed you idiot.
Service is what a client wants not just the cheapest product. If you sell only on price then you really are a dumb fuck.
this coming for someone who only has 1 thing to sell people. You know there's a reason why supermarkets do great business. They don't sell the same brand crap to everyone. People have freedom of choice. Your clients don't. You're not fully licensed you're not a real agent. You're a wannabe agent. You wanna be something you can't be. You sell Term to people and think you're doing them a favor. Yeah what a great loser. Time magazine said that UL is the wave of the future. get owned.
I have a very successful business running two health care clinics and I help my friends and patients with their insurance and investment needs for fun. I do it because you dumb fucks are constantly selling them cash value (WL, UL, VUL, etc.) and ripping them off. I was sold that bullshit a long time ago back in 1988. When I found out how badly I was getting fucked over I decided to join ranks with these guys because of the horrible things people like you do to them.
@nododon So you have 2 health care clinics. Isn't that a conflict of interest for a person who sells Health care. oh wait you don't do that you sell trashy termite policies. You know what's so funny about this nobody. the talks trash about UL and VUL yet a UL policy which someone can use while they're still alive is only 5-15 dollars more than term. Plus it has the Death benefit that Term has plus makes you more money than your bank does so it's more than worth the money.
And one more thing asshole, I do have a doctorate and I do have 3 securities licenses, so go fuck yourself. I have to go take a big shit now so I will use one of the many cash value policies I replaced over the years to wipe my ass with.... I even have one of them lining my bird cage.
and this is how I know you're a liar and a loser. First off the premium with a UL never goes up. Only with term. Secondly you can't pay a death claim. The insurer pays the death benefit. With your idea of putting them into a mutual fund or something else with a company that itself already went bankrupt is pretty stupid. You're so brainwashed by your less than mediocre upline that you have nothing but lies and pathetic stories to tell. While I give you links that speak the truth.
@nododon So, you have 3 security licenses yet you don't know the differences between term/UL and the benefits. or the cost. You are primerica filth. So brainwashed that you claim that you have all this money yet you are one here more than I am. Here's a question. What does Medicare plan L cover? Or Let me give you a easy one. How does a 20 year paid up policy work?
@nododon how funny you couldn't respond to that simple question. instead you could only muster up a rather pathetic comeback which has nothing to do with anything. dealing with any of our past or present blogs. You truly are beyond pathetic. You could've simply answered the question but the reason why you didn't is cause you don't know the answer. Cause you're not licensed yet. Or lost your license. Either way you're dismissed loser.
@anonymousnamealso Posting a response to you is simply a waste of time. Apparently nobody is even reading these comments. I know what you do and know what a fraud you are. If you really believe that your products are good for the consumer then you have been brainwashed by your managers. Why dont you read one of the many consumer books like Norman Dacey and enlighten yourself.
try this. Look up Time magazine and WSJ then look up the insurance code for The various types of polices. Once you do that then you'll realize that you apparently don't know anywhere near as much as you thought you did.
@nododon Oh and I have my people paying 60 bucks for a PPO with less than a 2000 dollar deductible. Which you could never do. Plus we have 15 bucks for 100K DB. but I bet you think "DB" stands for Dragon Ball don't you, cheese puff.
That means that those ppl dont really care about other ppl. they are willing to screw over their friends and family just to make a buck. O yea how much do you guys get for selling one of those policies?? i heard its a pretty fat check.... So im not surprised alot of wfg ppl are willing to screw over their families and friends. And dont consider wfg a financial services company cause its not. You guys base everything on one product alone and that is life insurance. EIUL or IUL
Yo use that's where you know nothing. If someone needs term cause they just simply can't afford anything else even though it'll help them out in the long run, then well sell them term. But why waste their money that only pays when you can't enjoy it.
Mike you are retarded. Yea sure, u care about the people more..... What bs. Yea u replaced them but were they properly insured or did u, like most agents, just ask how much they can afford? All the people who leave primerica to join wfg are just people who cant put up with the pressure of rejection because so many ppl think that trash value life insurance is the way to go. It is so much easier to sell something to a client that already knows what he or she wants.
Wait wait wait!!! WFG doesn't sell anything to ppl?? are u sure about that??? last i checked they were selling TRASH VALUE life insurance to families. YOU were selling them false hope, information and in most cases LIES! WFG is destroying the financial futures of many families by selling them their new hottest junk product called "EIUL" All you people in wfg selling this junk need to go do some research before you do more harm to your family and friends. O yea ur uplines are not credible sources
So what do you sell. Termite policies. Bottom line is Cash value is a far better policy than any term policy. Only way you can see any money in a term policy is if you die on time. In other words if you die within the life of your policy where as IUL's or VUL's are far more flexible than that of term, whole life, or anything else including annuities. BTW Many companies offer Universal life, but normally the upper class are the only one's who can really afford them or have knowledge of them.
Where is the proof of what you speak? You need actual facts dude not just personal opinion. You probably got your research from the good old internet or some angry dumb fuck who failed at the business. So you beleive everything people tell you or everything you read on the internet? Let me get this straight, If you were to read that your car was a piece of shit on the net, would you walk to work? Everyone is entitled to their own opinion. Do your homework numbnuts.
WFG does not make money off of people and there families because we DON'T SELL anything to them. We are funded by Aegon that's been around for over a hundred years.
wow $6K..but hey i wouldn't want to be on a ship thats being sold oh and the best part is just this month which we are only on the 11th i've replaced 15 primerica policies and it was so much less expensive, sorry but im in it for the people the money is just a plus... oh and realize this 4 of your rvp's are now with wfg and i've gotten a total of 12 pfs agents into wfg...say all the words you want.. the results are happening.. i too was in pfs and i made a lot of $ but i saw the true here...
What true did you see?? My ass you made alot of money in pfs. You left because you could make more in wfg per policy you sold. Go get your securities license and you'll understand how investments work. Therefore you would see that the junk your selling really is junk. o wait you cant. WFG doesnt allow you to haha thats right. WFG is not a financial services company. They are a company that sells life insurance. They wrong kind too. The majority of wfg hold only one license. The life license.
i bet youve been there for years. at least hit rvp first. then talk all the smack you want. by the way it aint raining the sun is out and its called wfg so take that umbrella and shove it!!! regional leader??? thats like janitor at mcdonalds.
it probably sucked for you! or maybe you suck. and ull reply back like people care what you say. if it sucks mean you tried it. or youre one of those idiots that writes comments with his a** and s**** with his mouth
no, i agree with metalhead you idiot.. i hate how wfg ppl brag about how much money they make... they need to shut up like you.. seirously.. how unprofessional..
@metalhead33 I will say this... you are right about their commissions charging alot. I mean they charge ALLLOTTTTT. But so does Schaub, Dreyfus, Goldmann sacks. If you have ever invested with a broker, you'd know the fees are all regulated . so they charge no more than any other brokerage firm. You must invest in bank product like CD's... LOL now that's a scam. Ohhh give me that 1.8 percent on 2 grand. What is that like 36 bucks and change.... ohhh yeahh... I'm rich now LOL.
Guys after being involved in WFG for 8 months, and after returning from the most incredible 3 day convention in LA, I must say now I am a true believer in my fellow man... You see its easy to throw stones at something you dont know or understand, but what I challenge every person that doubts this company and its integrity I simply ask you to do your research about them and do some more... Give them a fair shot, check out the web site, look at the material they have.
WFG has no integrity. B4 u decide to get anymore involved in wfg. do yourself a favor. Go research the history of wfg. After that go do some research on cash value or what i call trash value life insurance. Then go do some research on WFG's hottest new junk product, Index Universal life insurance.
I'm not sure how they can be ripping you off. Don't they offer only an education about financing? I haven't joined, but I have read there books and they are fantastic! I learned more in the first two hours reading there books then I have ever learned about financing before throughout my whole life.
WFG is a COMLETE scam. they sell whole life, universal life, and cash value insurance that are total rip offs and they screw families.
on the other hand Primerica actually helps families and what they sell is cheap and right and thats why EVERY SINGLE TIME primerica comes across a wfg policy, it is wiped out and they take over
I would bet everything I have that you probably were not taught how a UL contract was designed or how to read a UL contract or seen one implode? That is why most WFG agents "think" UL is a tax shelter and estate planning tool because they don't understand it. I have sat down with several agents and it is unbelievable to see how little they know about their own products. One agent couldn't explain how RRSP's work or explain MTAR or even heard of the 250% rule.
hey stupid! it's IUL get the s$%* staright if your gonna diss it! also irc code 7702. i wish i could of been there to c u implode right now!!!!!!!!!!!!!
AHAHAHAH yeahhh OMG citigroup cancelled the vacation!!! :( oh no!!!!!!!
and did you hear Primerica deposited $6000 to the bank accounts of each rep that won the vacation so they can go on their own? OHH YESSS BIATCH HAHAHA
i actually did go to Atlanta haha BUUURRNN
Also, nobody can afford primerica for $8 billion, otherwise who wouldn't want a company with over 100,000 reps generating $700 million a year? hahaha get ur facts straight. btw i replace wfg policies EVERY NIGHT :) hahahaha
Oh and I met with another regional leader before. I wouldn't talk too highly of yourself. That only requires 3 recruits. which isn't hard. Not to mention you don't make enough money to get yourself out of the situation that you're currently in with where you live, what type of car you drive, etc.. Also If you look at your position with our company that's really low on the totem pole. I'm at the same level you're at and I've been in it for less than a year. I know another guy who did it in 48hrs
wow i can see how much biz you write when you're on youtube 24/7. losing a lil momentum?
from what you are saying, you clearly have no idea how our company works. have u even seen the yealy issue of "financial independance council" that shows thousands of ppl makin over 6 figures. yea i didnt think so. u guys dont even have that. i got to district and doubled my original contract level in the first 3 weeks. and trust me im makin a very comfortable income jus part time
so you lie and claim that you're making all this money from a magazine that your boss makes. Have you ever seen or read Underwriters monthly. I don't think so, there it shows thousands that make Millions. Which you can't do the first three weeks but you can make. and you're responding to me a aweful lot so I guess you must have a pretty good team too cause I know I'm making money. Perhaps you should read your contract dealing with your hiring and firing protocols and about your book of business.
So the average agent generates 7000 million only? That's almost as weak as your sales pitch. Keep faking your success like your wife fakes her orgasm every night when she fucks your sorry ass. Get a real job.
1) im not as old as you and i dont have a wife, and i gave my gf 22 orgasms last time (no joke), something obviously you are incapable of doing.
2)our company generated $680 million last year after tax, for compensation for its members, resulting in over 2500 people making a six figure income which is more than any other company on this planet.
3)get your facts straight before you start typing. you are an embarrassment. you do not have any facts so you rely on insults and hateful comments.
Where's your piece of the pie? Look at your pathetic self. Why are you so defensive? You are working to put money in other people's pockets. Any "competitive" company with pay their agents at least 50-60%. You answer yourself what your shit company pays you. LOL @ you.
hahah wow you are definitely showing your true colors. pathetic? shit company? wow u sure dont sound like a business professional trying to debate facts, you sound like u scrub toilets for a living XD
and for your info, my company currently pays me 70%, and in a few months when i hit RVP it will change to 95% PLUS overrides PLUS residual trailers. who is working for a shit company now? :)
You know it's funny cause you say that any "competitive" company pays at least 50-60% to their agent. that's really funny cause I spoke to a State Farm agent who just got her license when I got mine and she said that she was making 50% on a 300 a month premium. Which in the end is 900. That's nothing compared to what we make starting off. and we start ours at a really low amount. We are working so hard not ot get other's money but for ourself
did you now that your company primary way of doing mutual funds and investing peoples money went bankrupt already. they had to get the bail out money. Now I don't know about you but doesn't that seem far more riskier than to go with a company who has never had any money issues other than the one's your company gave us cause your founder was a criminal and has a huge ego. I mean how can you really help people out if you can't keep your own company out of debt.
Dude you just broke the law. Code of ethics. read about it. BTW what's the difference between Debt Consolidation and Elimination? You should know since you work for primerca. keep selling your term policies and charging people more for their renewal contract. with your high premium. BTW in case you didn't know Whole life and Universal life both share something which yours doesn't Cash value which means if you're broke cause of the times, you can use that money to help out. unlike Term.
World Financial Group is the FASTEST GROWING financial services company in the world, and for good reason... Great products, Great reps, and HONEST leadership, coupled with great product providers such as ING, New York Life, and Prudential securities.
Nododon, if you did your research you would have found that WFG is not even a MLM. It is simply a Financial Brokerage Company not similar to Fidelity or T Rowe Price. Get your facts straight befor you spout your crap.
dude you lie too much. You know nothing about the law especially when it comes to people who have Licenses to be a life insurance agent. BTW Primerica has the same license and are owned by citibank. So you can say that WFG is a scam but it's only cause you no nothing of the law. Life insurance isn't made to rip off the public, it's made to keep your family safe if something happens. term is made to rip people off. Who really can tell when they'll die.
You are obviously very ignorant about the product you sell, I mean scam, to the unsuspecting clients as you con them into buying your bullshit. You need to get a hold of Norman Dacey's book and enlighten your sorry ass. This debate has been over for years and term is the ONLY product to own. Cash Value insurance in ANY form is a total rip-off.
is that why ING, AIG, John Hancock, Prudential, and so many others offer Universal Life cause apparently they know nothing and they really want to push universal versus Term except AIG cause they all know that Term is a temp fix with nothing to offer. Who do you work for? no one, cause if you did then you'd have a license and you'd know that only person that Term helps out is the corporation that owns that policy.
So let me get this straight this discussion has been over for many years cause "Mens Magazine" said that term is the only way to go huh. That same magazine that's owned by the fool who owns primerica. Who when he broke the law and lied about his intentions to Hubert H. his former business partner so that he could purposely kill off the competition through corporate espionage( using his own magazine, look it up). Also the whole industry uses whole life or UL. Only your sorry company doesn't
oh yeah and get your facts right b4 u embarass yourself. the 3 recruits and 3 FNAs are for the first promotion level. to be a reagional leader (70% contract) u need to have a solid business and your recruits should each have their own team and be productive. at this level ur financially independant despite what ur saying. after that you're off for your "Regional Vice president" promo for a 95% contract. so dont come here tell me u cant make money in this biz just cuz u dont have what it takes
He thinks he understands his product and it is so obvious that he has no clue as to the internal workings of his cash value scam.
Glad to hear you are with PFS. I have been writing business since 1988. I got involved in PFS as a doctor, as my wife was full time. WE were hookwinked into one of turd brains policies and I was so fucking mad I started telling everyone I came in contact with what an ass pounding they were getting with their cash value products.
@nododon BTW dumbass Term is a piece of shit policy. It only works if you die within that Term policy period of years and if you don't you loss everything and have to start all over again with a higher premium. Don't call people names when you honestly don't know your own product. My mother got approached by a Termite who told her an illegal lie. That there was a term company that gave free college money to the kids. The Premium isn't free it's overpriced. So from 2 years ago, go suck a dick.
@williamholsey What fucking rock did you come crawling out from under? I know your bullshit scam savings type insurance contracts better than you or anyone else who markets them. Term insurance is designed to be a temporary plan dumb fuck. You should NEVER need life insurance when you are older. You build your 'nest egg' for retirement over time and if you die prematurely you have the inexpensive term policy to provide what you have yet to acquire. Your insurance products are immoral.
@nododon I've been working.Here's the thing. You don't know shit about it. Only scam is a dumb fuck that says you don't need life insurance when you're older. Stupid fuck older people are more likely to die which is the reason why it's harder to get it. You need it the most then. Dumb fuck it's not for you but your family. to cope with expenses and to leave them something when you go.Only an idiot thinks that life insurance isn't a "Nest egg". oh and insurance starts at 30 a month.
@williamholsey Why the hell would you need life insurance when you are self-insured? Why would you pay premiums for something you don't need anymore? You are a fucking idiot, you have no clue as to what you are talking about. You lack common sense. Go get a real education asshole and then come back and make an intelligent comment. You are screwing the public and you know it with your bogus savings type life insurance. You have no fucking soul. You should be ashamed of yourself.
@nododon Simple you stupid dick. Because you have two constant things in life. you live and you die. You need it while you live cause hopefully you'll get older and when you die it then comes to life for your loved ones. You talk about lacking common sense. You dumb fucking dipshit regardless of term or IUL, the purpose of it is for when you die not if you die. You should just stop talking as you truly know nothing about this subject. stop duping people with fake wisdom.
@williamholsey You are a fucking fraud. Life insurance as an investment is a scam and you make bigger commissions selling it and we all know that is your only motive. You rip off the consumer trying to convince them that life insurance is a 'permanent' need and it isn't. All consumer advocates warn people of the pitfalls of bundling savings with an insurance policy. So get a clue dickhead and quit selling your snake oil remedies you fucking charlatan. Get your fucking head out of your ass.
@nododon How interesting you fucktard. Michael Jackson had a Life Insurance policy and guess what It wasn't A Term. Term's highest payout is 1 mill. Mike had a Cash Value life insurance policy. Most likely a IUL cause it's the most reliable with the ability to pass a lot of tax laws. You don't and never have known a fucking thing about Life insurance other than what your Primerica pimp tells you. Go suck on a sick dick. You fucking loser.
@williamholsey See, I knew you were an idiot. LOL ...There is no 1 million dollar limit on Term insurance you fucking pathetic piece of shit. Term face amounts can go as high as 10 million you freaky fucking bastard. And regarding 'Mike' as you refer to him (as though you knew him personally) obvious some ripoff piece of dog semen like yourself probably convinced him to buy an over-priced under-valued IUL and then laughed their way to the bank. See now what a fool you are. You don't know shit.
In this video, I haven't hear anything about what this business about. Whaere is the company headquarter locate at? What kind of product the company sale?
VAChinaman 2 months ago
He didn't get success in his market probably because he is really shady and his friends don't trust him. As for any thing you hear about WFG. Lets put it this way: If someone worked at Best Buy who was found to be stealing people's credit cards through thier business would you stop buying electronics at All best buys because of one employee? An entire company can't be held responsible for a single agent making a mistake or breaking the law that governs him to do the right thing for clients
TheWhoracle 3 months ago
@TheWhoracle That single agent's Errors and omissions insurance would cover his wrong doings, then he would probably go to jail. As he should.
TheWhoracle 3 months ago
This has been flagged as spam show
@TheWhoracle That single agent's Errors and omissions insurance would cover his wrong doings, then he would probably go to jail. As he should.
TheWhoracle 3 months ago
This has been flagged as spam show
LOL ... another one bites the dust.
nododon 3 months ago
To anyone who has been reading this BS conversation.
I'm sorry you had to go through all this. This video is misleading. It actually has nothing to do with WFG and looks more like a scam. WFG is a company they follow all the laws. Just like any company you will have some people in it who are a little too ambitious and they get their license taken away. the goal of IUL insurance is to put you into a much better place than you were in before by spending the same as a cable bill.
williamholsey 3 months ago
@williamholsey What a total waste of space and time you just spent telling a ridiculous lie regarding Primerica. PFSHMI never wrote bad policies (ARM's) and they never received any bailout money. That was CitiBank. I guess that is your only comeback rather than address the issues I brought up regarding your rip-off life insurance 'savings' programs. A bank savings account does not make you borrow your money when you make a withdrawal stupid. (cont.)
nododon 3 months ago
@williamholsey Now answer the question you fucking coward. Does the face amount of your IUL policy drop by the amount you 'borrow' or not? All anyone has to do is look up a consumer report regarding the complaints WFG has received and the story will come out. Like I said go on Wikipedia and compare the two companies. Your company, which was an offshoot of Hubert Humphy's WMA is surrounded by litigation and fines, and your people are trained to rip off the consumer. Now report me ASSHOLE!
nododon 3 months ago
@williamholsey From Wikipedia. Regulatory issues and lawsuits: It is yet unclear how successfully the company has managed to distance itself from its more controversial US based predecessor WMA, associated with fraud, misrepresentation and false statements, and the subject of class action lawsuits, and National Association of Securities Dealers (NASD) disciplinary action.
nododon 3 months ago
@williamholsey Some state securities officials, including those in Iowa, Alabama, Missouri, Utah, and Minnesota, have filed lawsuits to bar inappropriate sales practices by World Financial Group (WFG) and World Group Securities (WGS).
In March 2011, the Financial Industry Regulatory Authority (FINRA) reported that World Group Securities had incurred ten regulatory penalties since 2004.
nododon 3 months ago
@williamholsey A 2004 NASD disciplinary action report summarized disciplinary actions against WGS. According to the report, WGS "submitted a Letter of Acceptance, Waiver, and Consent in which the firm was censured and fined $15,000.
In December 2006, WGS and one of its brokers were fined $150,000 by Missouri's commissioner of securities for selling unsuitable products to elderly people.
nododon 3 months ago
@williamholsey
In April 2007, WGS was fined $50,000 for failing to supervise its representatives in the State of Utah, who were misrepresenting their credentials and services rendered during free lunch seminars targeting seniors.
In June 2007, a couple filed an NASD arbitration claim against WGS, alleging misrepresentation that caused them to lose over $500,000 on investment products that were unsuitable for their risk tolerance.
nododon 3 months ago
@williamholsey
In April 2010, WGS was fined in excess of $850,000 as the result of the unauthorized sale of private securities by some of its agents in the State of Arizona.
In May 2010, the U.S. Securities and Exchange Commission (SEC) filed a federal case against two former brokers of WGS, accusing them of having raised approximately $14,800,000 through the offer and sale of promissory notes as part of an illegal Ponzi scheme in the States of Ohio and Florida.
nododon 3 months ago
@williamholsey
In November 2010, the SEC ordered WGS to pay, among other things, a civil monetary penalty in the amount of $200,000 for the fraudulent selling of unsuitable securities in the State of California, which were funded using home equity, derived from the refinance of the customers' homes into subprime mortgages.
See asshole, you think I don't know what you truly represent? ... Idiot.
nododon 3 months ago
Jamal .... Did your mamma ever tell you "nothing on this earth is free". You are a model bottom feeder and should seriously consider getting a "real" job. Unfortunately, in order to do this, you will require some sort of skill .... yours appears to be wasting time while you should be out there flipping burgers.
Silverhorn2 5 months ago
there nothing to offer here
realheart888 5 months ago
I don't think that just about any financial services company is a scam. Considering the legal hoops everyone has to jump through and the constant auditing the governments do. However that company you mentioned. What was it a .ws company what is .ws? Last time I clicked a link with an ending I didn't recognize I got a virus....
TheWhoracle 6 months ago
If this is a scam shouldn't the government shut this financial firm down already along long long long long long time ago? I have seen a senior marketing director go into a Lexus dealer ship and within a few hours she drove the car out of the dealship and then to the meeting. You don't believe it till you see it.
magicoke1 6 months ago
Get a life!!!! We are proud company at WFG. Get educated before you judge... You dident get sucess because you quit... Quitters are losers.... Good luck with being on youtube I am making money are you????
kathynik1 6 months ago
My wife and I lost thousands of dollars from this company. We were duped by a Filipino couple from Bolingbrook, Illinois.
ricman46 7 months ago
I assume u r asking why I sold and made less income than others?? I believed doing what was right for the client..ALWAYS over my personal gain. I was I hope always completely honest w the client., I earned a decent income at times and other times , I didn't. Greed is sadly agents motivation. My Christian and family values never have to be in question. I teach my kids always be honest, NO MATTER WHAT.Hope this helps. Feel free to ask any detailed questions. Thank you for your interest. :)
ScottWimmerFan29 8 months ago
I was an agent with WFG for several years! I am no longer part of the team, because I had a stroke.Bottom line. ANY FINANCIAL SERVICES FIRM THAT DEALS WITH THE TYPE OF PRODUCTS WFG USES, REQUIRES LICENSING BY STATE AND FEDERAL AUTHORITIES. Wake up! Sadly there are bad agents out there In ALL financial services companies. I helped people and aften wasnt paid cause I didnt sell products unsuitabkle for use. I trained my agents and teams proper useage and keeping it LEGAL! STOP GENERALIZING!
ScottWimmerFan29 8 months ago
Warning. If a speaker starts by saying "I never got good results." DO NOT FOLLOW THEM anywhere.
urinclined 9 months ago
This video has nothing to do with World Financial Group.
womenswealth 9 months ago 8
NO JOKE. I went to a world financial group motivational and the speaker was introduced with "eye of the tiger" playing in the background and the speaker yelling "What do we want" .."Money!!".. "When do we want it?" .. " Now!"... That's when i knew something was terribly wrong.
edoman 10 months ago
@edoman Somehow I don't doubt that. Ive seen them do some pretty stupid things. Even through all the corny bs though. I can see how credible it is, and that is a real place that I can make my real job at some point. I studied for the license. Its illegal to get someone to cancel their insurance, or investment and get them a completely equal item of same value so that you can "sell" them it. Its calle
TheWhoracle 6 months ago
They are a multilevel financia services company. Take an eucated look at them after you tell yourfriend no thanks. I was involved with them all the way back to ALW. I would just suggest that you stay away from them. I don't want to repeat hat others have said here and you can read up on. Run, do not walk away from them.
I had a horrible life changing experience.
There is enough info here.
Don
Vegasexcitement 10 months ago
We lost thousand of dollars from this company. We were duped by a Filipino couple in Indiana.
ricman46 11 months ago 3
@ricman46 Wait.. you're filipino too though. Why would you discredit your own heritage?
TheFreddyVale 5 months ago
I had some real bad experiences in WFG. Cult like, close mindedr and your friends will hate you after you hit them up for securities and insurance. I just choose to stay away from them in every way. You must be licensed to sell, so your RVP or someone will sell your friends the services, sales. He will et the referrals and you wont!! You will loose them as future sales as well. It is designed for you to fail snf loodr your list of people to the guy making the training sales! Stay away!
Vegasexcitement 1 year ago 2
This has been flagged as spam show
and the speaker in this video is a fucken nigger raghead scamer in wfg
fuck wfg
FUCK WFG
i hate them
GOD FUCKEN DAMN THOSE WFG PRICKS
MyNameISfockYou 1 year ago
this WFG is a fucken scam, biggest fucken scam
MyNameISfockYou 1 year ago 2
@MyNameISfockYou
and the speaker in this video is a fucken nigger raghead scamer in wfg
fuck wfg
FUCK WFG
i hate them
GOD FUCKEN DAMN THOSE WFG PRICKS
MyNameISfockYou 1 year ago
@MyNameISfockYou may i ask why?
salamhi 8 months ago
is it like jump into the web, i'll play fly you play spider then you bite and suck the life outta me?????
KNT0791 1 year ago
son of a bitch... ur a muslum and your here to fool ppl with your fucken bulshit business.. sham on you....
AfgJawid 1 year ago
You are pathetic, stop piggy backing on WFG. do it the right way you wuzzz!
integrazimmy2010 1 year ago
To all the people who are claiming WFG to be a pyramid scam, have you looked at your company's corporate set up lately? All the people above you are making money from your efforts and you stay stuck with no opportunity to move up, well, unless one of them dies or really screws up. NOW THAT'S A PYRAMID FOR YOUR **S.
prbrother 1 year ago
I better type this before I sound like a WFG cult member. No, I'm not endorsing them. I couldn't care less... I just hate when people who make ignorant claims about a company without doing the research. Now I refuse to work with them and wouldn't take one of their financial plans. I make a solid income online, so I don't want to get recruited or go to meeting. Too much trouble... Too much rahh rahh... I do that now in my jammies at home while everyone else is at work.Gotta love the Internet.
TypeAtHome1 1 year ago
This has been flagged as spam show
خوشخبری ۔۔ گوگل ایڈسینس اکائونٹ صرف 400 میں حاصل کریں ،3 اکائونٹس کے ساتھ ایک اکائونٹ بلکل فری ۔۔ مزید معلومات کے لیے ابھی کال کریں ۔ 03334500333
TheXpertguy 1 year ago
WORLD FINANCIAL GROUP IS THE BEST COMPANY EVER I"M RICH BABY WOO! IF YOUR A SMART PERSON YOU'LL REALIZE HOW EASY IT IS 2 MAKE MONEY IN WFG!!!!
dejamequieto 1 year ago
Can you say bait and switch?
spanker6971 1 year ago
Be cautious and look into this very well, scams are usually so inviting that they catch the eye of a person, especially one that is vulnerable, for instance, someone with no job, and wanting to make ends meet somehow. Remember, if it seems too good to be true, it probably is. A word to the wise.
1tube47 1 year ago
@1tube47 You started off with such great advice. Always do your due diligence and check things out at first. But then this junk about If it seems to good to be true. So what, your suppose to go after the things that don't sound good. Thats horrible advice. You sound like you've been jilted or something. Here's some advice take action, make an honest informed decision and do right by others.. Don't walk away cause something sounds good... jeezzzz....
TypeAtHome1 1 year ago
fucking idiot
TheNDex 1 year ago
Just felt like clarifying:
The 25% thing is a calculation based off of the investment amount, nothing more nothing less.
If you can't recruit, you have a dam good chance of failing.
WFG doesn't sell their own products, so if you got scammed get an agent that's not a dumbass.
"Creating" products is up to actuaries and people of that sort, WFG has none of those so saying the product is bogus is ignorant.
Hyou2 1 year ago
Ppl who hate on WFG:
*conspiracy theorist who live in momma's basement
*UNEMPLOYED college grads who hate to see ppl make it in business w/o a 4 year degree
*corporate hoes
*slackers, pot-heads, loosers
-if your serious about doing your PROPER research GO TO AMBEST.COM OR THE BETTER BUSINESS BUREAU! AND STOP LISTENING TO BRAIN DEAD MOTHERFUCKERS!
elcuramelchorizzo 1 year ago 2
@elcuramelchorizzo wow ! is this how wfg reps post? "motherfuckers" ya i think i will never deal with this company thanx !
probslpwtyormama 1 year ago
I'm invested with WFG, I'm beginning to regret it after reviewing the first semi-annual reports. Seeing how they have something called reinvestment distribution where they reinvest your investment every month at a Fee. They don't tell you about that though. And you can't look at your investments until after their semi annual reports are done so once every 6 months. So far I'm down about $1500 on a $27,000.00 investment. Sure the markets are down but why reinvest each month, this is brutal.
waldemar747 1 year ago
WFG is a scam. Too good to be true. tailor made for the poor people making them pooreer
johnnyx950 1 year ago
@johnnyx950 How long have you been in the company? Have you at least attempted to do the biz?
prbrother 1 year ago
I love WFG! No matter what they say about it, I would not believe its a scam! WFG has given me the greatest opportunity to make money and to travel around the world free! I don't believe what people say, they are not the ones giving me money, they are not the ones who will send my kids to college! The people who say that WFG is a scam are those who wanted to make millions but don't want to work! These are the disgruntled people. One thing sure, this is a highly regulated business and not a scam.
ladydeejay100 1 year ago
@ladydeejay100 WFG IS UNDER INVESTIGATION.................FOR IT'S PRACTICES !!!
probslpwtyormama 1 year ago
@probslpwtyormama : WFG is not under investigation... like any business/company you will encounter particular agents/individuals that are unethical, but that does not mean the company is bad. Would you stop shopping at your local supermarket because you had an argument with a bagger? It was that individual bagger you had the bad experience with, not the supermarket chain.
prbrother 1 year ago
@prbrother i would stop shopping from the market that makes me sick when i shopped there, because the products are poison !!
probslpwtyormama 1 year ago
@ladydeejay100 Do you think you can reach your dream by having WFG allow you to keep only 25% of your money? Also, what if yo cannot recruit people? How can you get promoted with no downline?
shooter686 1 year ago
@ladydeejay100 why are the life policies you sell 90+ pages? why does the ART GO UP EVERY YEAR HOWEVER THE PREMIUM STAYS THE SAME? what is a surrender fee? when there is a "shortfall", due to the COI EXCEEDING THE PREMIUMS PAID ARE THE SAVINGS IN THE POLICY USED? do you have to pay taxes on money that is already taxed? how many fees are there before the premium goes into the savings?
probslpwtyormama 1 year ago
@ladydeejay100 Well said !!! I'll see you in hawaii !!! =]]
kyokushin4lyfe 1 year ago
are you fucking serious...dude, do your research...just another scam fucking paramid scam.
savry87 1 year ago
ok so you claim WFG to be a scam.. why just because you failed to be successful at it..... by the way you talk i can tell why you failed at it... you say oh i failed at WFG but i got this going on now????
TheSindakit 1 year ago
@TheSindakit under investigation in Canada,for their practices.
probslpwtyormama 1 year ago
Wow. so these are just words right?
Luvxtrostis 2 years ago
Did he say his name was Malik Nadal Hasan? Wonder why he doesn't show his face?First meeting is at Ft. Hood!
jackmartinable 2 years ago
Just a question, if quixtar or WFG didn't work for you but it's worked for many others including myself, it makes you think? What the hell were you doing for it not to work. Dude it's not rocket science to make these things work. It does not require some secret gameplan. It boils down to work ethic. Maybe your just not that good at talking to people. Why the hell would anyone take advice from a person who can't succeed at things that other people are very successful at. Makes no sense at all
aper3221bitch 2 years ago
For all the PFS people ..
1- Please read #9 On your Contract .. instead of making some uneducated comments.. and make sure you fully understand what it means.
2 - PFS crusade = Buy term Invest the differnce WFG crusade = No family left behind
you see the differnece .. ?
btw ill run term illustrations all day long to prove that our term policies are about 20% - 35% cheaper than your EXPENSSIVE TERM
you have only primerica term to offer. i have over 150 companies to work with =]
arinjan1987 2 years ago
Enjoy the ride. It will crumble soon. And soon the locust will have to find another patch to ruin.
axegizzle 2 years ago
Just an example of an employee mentality. People like you never succeed at business because of your mindset. We need people like you to drive our busses, serve our food or keep our electricity running. People with your mindeset work for people with a business owner mindset. Good luck and keep climbing the corporate latter. Thats the way to go. I don't support this video, but people can do anything they set their minds to. Sounds like you set your mind to company man........
aper3221bitch 2 years ago
you see someone who truly has made it in this business and also has a education behind them doesn't have to resort to using curse words over the internet with a blind hatred over their main competition. Perhaps you should quit your company and actually make some money. I mean you did read your contract right. You can get fired did you know that.. You own nothing from PFS, if they choose to let you go for any reason, they can. That sounds just like the companies we all tried to get away from.
anonymousnamealso 2 years ago
nodo. Since you like to curse at people curse at whoever told you that you had any experience at helping families. Answer me this. Which one helps out the family the best. Debt consolidation which has a big fee on the front end of the deal and doesn't help your debt out in any short amount of time and by short I mean around 5 years or debt settlement, which will clear your debt up in less than 5 years and give your credit report no strikes? Well primerica termite which is it.
anonymousnamealso 2 years ago
More over you want people to deal with term. Which gets you nothing unless the family member dies on time. You want them to invest their money into a Ira which is taxable up to 50% on distribution. You know nothing and have a child like mind. Stop lying to anyone who'll listen first learn your craft. You don't have 23 years. You probably don't even have 1 year. Here's what I do know , Citibank is in financial trouble and so is PFS. Did you even know that. Don't start what you can't end.
anonymousnamealso 2 years ago
dude do you know anything about life insurance? I highly doubt it. cause first off, only a loser would start off with curse words, you could've tried to state your claim but you can't cause you don't have a claim. Yes UL cost more but the benefits far outweigh the price. Term is taxable, UL isn't in most cases if you play your cards right. Term has a set face value, UL has a increasing cash value. Term has issues.
anonymousnamealso 2 years ago
I could blow you away with what I know about life insurance products you dumb shit. I have a securities license, a life license, and a doctorate degree and I know what the fuck I am talking about. I have studied this industry for 23 years. I will destroy any argument you have supporting life insurance as an investment..... Anytime and any day.
nododon 2 years ago
WFG is a bunch of losers who followed that ego-maniac train conductor bozo Hubert Humphrey. What a total disaster he made of WMA. You are so in the dark about this company you represent. The little Mormon army of half-wits scamming the public out of their hard earned dollars so they can make bigger commissions rather than just spending a little time educating them about the hazards of cash value life insurance.
You are a loser and a con-artist.
nododon 2 years ago 2
So you claim that we scam people huh. First off you're a liar , Secondly to scam someone is to tell them what you can do for them and not show them how they can do it for themselves first. That's a primerica tactic. Secondly you take a huge chunk outta peoples lives by having them take equity out of their homes and refinancing it. The government already talked about that scam. Didn't your boss get in trouble for Lying about WMA dealing with Men's Magazine when he tried to take over WMA? yes
anonymousnamealso 2 years ago
as you answer that question. Answer me this one. Which will help a family out more. A term policy which has only face value and is only collectible upon death with taxation upon every premium which you neglect to tell people or a Universal policy which after 10 years a huge part of it can be taken out without being taxed in case the family is going through a rough time like most families are today? I bet you still have no answer.
anonymousnamealso 2 years ago
their family's problem if they die or are the key income provider. you'd rather give them something that will be taxed annually cause it's cheaper at first and make you little commission cause it's fast and easy to not explain exactly how money works, oh wait. You don't know how money works do you. You actually read off a script how money works and that script is outdated and not friendly to your clients. you actually know nothing about WFG or Primerica except what they tell you. you lemming.
anonymousnamealso 2 years ago
Lies will get you nowhere. But hell here's a little test primerica guy. I've heard your routine and none of it helps out any family. you do a juggling act that still puts the client in a situation where they owe the same amount just hopefully to a different person. So since you claim that the industry doesn't do whole life which isn't true and that it's bad for you "by men's magazine" which is owned by Primerica owner and mostly deals with health topics. How do you save tax free money?
anonymousnamealso 2 years ago
Okay I'll make it easier for you. Primerica guy since you talk big but can't back anything up. Which is better. When it comes to being able to store money for retirement. Which is better, Roth IRA, A regular IRA, HR-10 Plan, 401K, Term life policy or a Universal life policy. I know you know nothing and you lie about your U-4 license and definitely it isn't hard to get a life license. And we all know you're lying about having a Doc. in this cause you don't know anything. you called WFG a scam.
anonymousnamealso 2 years ago
Since you curse so much to people who threaten your intellect let's do just that. You would rather have the banks who we all know aren't trust worthy with our money and can care less if we eat or sleep under a roof have all our money, consolidate all those accounts which might not be with the same bank and that then means that there's gonna be issues with the bank okaying the account. You'd rather have your customer's be taxed almost 50% of their life savings and give them a temp solution to
anonymousnamealso 2 years ago
If there's a better company than WFG then let them come out of the dark. PFS is all about survival of the fittest. you don't care about your clients. you don't even bother to really learn about insurance laws. you don't actually know anything about insurance laws do you nob. how many policies did your company write this year and people actually kept versus how many were denied cause the client was unhappy. More than you wrote. that is what a scam really is. You make no money.
anonymousnamealso 2 years ago
First of all you are very ignorant and lack a great deal of intelligence. Over the past 20+ years I have paid 12 death claims to families that would have been devastated if they went with your philosophy.
In almost every case, except for new business, I replaced that shit you peddle. People that were insured with numerous little shit ass cash value policies now have hope for their family. You are the scum of the earth for what you do and you know it.
nododon 2 years ago
And for those clients that have not died, obviously the majority of them, they are well on their way to a substantial retirement. Your stupid fucking policies just eat away the lousy investment portion because the cost of insurance rises over time. Those policies you sell self-destruct unless more premiums are added. What a shit hole deal that is, and what a shit hole you are for selling it.
nododon 2 years ago
So you're gonna help them retire. Huh. So I guess that means that you can sell them a Annuity right. Oh wait you can't. Oh wait you're gonna sell them your annuity cause your company does such great business. right oh wait who bought you out cause your company is making such great business decisions. Yeah. I'll tell you what I'll offer you a chance to make some real money and a real change in people's lives for the better, I'll hire you. show you how to help a family out for real.
anonymousnamealso 2 years ago
I am 'gonna' show them how to properly manage their assets you dumb fucker. I would only recommend annuities to a client in certain cases after other options have been met. I am fully securities licensed you idiot.
Service is what a client wants not just the cheapest product. If you sell only on price then you really are a dumb fuck.
nododon 2 years ago
this coming for someone who only has 1 thing to sell people. You know there's a reason why supermarkets do great business. They don't sell the same brand crap to everyone. People have freedom of choice. Your clients don't. You're not fully licensed you're not a real agent. You're a wannabe agent. You wanna be something you can't be. You sell Term to people and think you're doing them a favor. Yeah what a great loser. Time magazine said that UL is the wave of the future. get owned.
anonymousnamealso 2 years ago
@anonymousnamealso
I have a very successful business running two health care clinics and I help my friends and patients with their insurance and investment needs for fun. I do it because you dumb fucks are constantly selling them cash value (WL, UL, VUL, etc.) and ripping them off. I was sold that bullshit a long time ago back in 1988. When I found out how badly I was getting fucked over I decided to join ranks with these guys because of the horrible things people like you do to them.
nododon 2 years ago
@nododon So you have 2 health care clinics. Isn't that a conflict of interest for a person who sells Health care. oh wait you don't do that you sell trashy termite policies. You know what's so funny about this nobody. the talks trash about UL and VUL yet a UL policy which someone can use while they're still alive is only 5-15 dollars more than term. Plus it has the Death benefit that Term has plus makes you more money than your bank does so it's more than worth the money.
anonymousnamealso 1 year ago
And one more thing asshole, I do have a doctorate and I do have 3 securities licenses, so go fuck yourself. I have to go take a big shit now so I will use one of the many cash value policies I replaced over the years to wipe my ass with.... I even have one of them lining my bird cage.
nododon 2 years ago
and this is how I know you're a liar and a loser. First off the premium with a UL never goes up. Only with term. Secondly you can't pay a death claim. The insurer pays the death benefit. With your idea of putting them into a mutual fund or something else with a company that itself already went bankrupt is pretty stupid. You're so brainwashed by your less than mediocre upline that you have nothing but lies and pathetic stories to tell. While I give you links that speak the truth.
anonymousnamealso 2 years ago
@nododon So, you have 3 security licenses yet you don't know the differences between term/UL and the benefits. or the cost. You are primerica filth. So brainwashed that you claim that you have all this money yet you are one here more than I am. Here's a question. What does Medicare plan L cover? Or Let me give you a easy one. How does a 20 year paid up policy work?
anonymousnamealso 1 year ago
@anonymousnamealso
Wow, are you typical of the average idiot who sells life insurance. Big commissions on that shit you sell. That says it all buddy.
nododon 1 year ago
@nododon how funny you couldn't respond to that simple question. instead you could only muster up a rather pathetic comeback which has nothing to do with anything. dealing with any of our past or present blogs. You truly are beyond pathetic. You could've simply answered the question but the reason why you didn't is cause you don't know the answer. Cause you're not licensed yet. Or lost your license. Either way you're dismissed loser.
anonymousnamealso 1 year ago
@anonymousnamealso Posting a response to you is simply a waste of time. Apparently nobody is even reading these comments. I know what you do and know what a fraud you are. If you really believe that your products are good for the consumer then you have been brainwashed by your managers. Why dont you read one of the many consumer books like Norman Dacey and enlighten yourself.
nododon 1 year ago
try this. Look up Time magazine and WSJ then look up the insurance code for The various types of polices. Once you do that then you'll realize that you apparently don't know anywhere near as much as you thought you did.
anonymousnamealso 1 year ago
@anonymousnamealso
Right, OK, whatever you say ripoff artist. LOL
nododon 1 year ago
@nododon Oh and I have my people paying 60 bucks for a PPO with less than a 2000 dollar deductible. Which you could never do. Plus we have 15 bucks for 100K DB. but I bet you think "DB" stands for Dragon Ball don't you, cheese puff.
anonymousnamealso 1 year ago
That means that those ppl dont really care about other ppl. they are willing to screw over their friends and family just to make a buck. O yea how much do you guys get for selling one of those policies?? i heard its a pretty fat check.... So im not surprised alot of wfg ppl are willing to screw over their families and friends. And dont consider wfg a financial services company cause its not. You guys base everything on one product alone and that is life insurance. EIUL or IUL
mainonghang 2 years ago
Yo use that's where you know nothing. If someone needs term cause they just simply can't afford anything else even though it'll help them out in the long run, then well sell them term. But why waste their money that only pays when you can't enjoy it.
anonymousnamealso 2 years ago
Mike you are retarded. Yea sure, u care about the people more..... What bs. Yea u replaced them but were they properly insured or did u, like most agents, just ask how much they can afford? All the people who leave primerica to join wfg are just people who cant put up with the pressure of rejection because so many ppl think that trash value life insurance is the way to go. It is so much easier to sell something to a client that already knows what he or she wants.
mainonghang 2 years ago
Wait wait wait!!! WFG doesn't sell anything to ppl?? are u sure about that??? last i checked they were selling TRASH VALUE life insurance to families. YOU were selling them false hope, information and in most cases LIES! WFG is destroying the financial futures of many families by selling them their new hottest junk product called "EIUL" All you people in wfg selling this junk need to go do some research before you do more harm to your family and friends. O yea ur uplines are not credible sources
mainonghang 2 years ago
So what do you sell. Termite policies. Bottom line is Cash value is a far better policy than any term policy. Only way you can see any money in a term policy is if you die on time. In other words if you die within the life of your policy where as IUL's or VUL's are far more flexible than that of term, whole life, or anything else including annuities. BTW Many companies offer Universal life, but normally the upper class are the only one's who can really afford them or have knowledge of them.
williamholsey 2 years ago
Where is the proof of what you speak? You need actual facts dude not just personal opinion. You probably got your research from the good old internet or some angry dumb fuck who failed at the business. So you beleive everything people tell you or everything you read on the internet? Let me get this straight, If you were to read that your car was a piece of shit on the net, would you walk to work? Everyone is entitled to their own opinion. Do your homework numbnuts.
aper3221bitch 2 years ago
WFG does not make money off of people and there families because we DON'T SELL anything to them. We are funded by Aegon that's been around for over a hundred years.
MacMurda510 2 years ago
you are a fucking joke
Moose1836 2 years ago
"100% free! "
But it is $10.00 a month.
"Another reminder nothing to lose hear as it is FREE"
Someone needs to learn how to spell before they try and "sell" their product.
vanish702 2 years ago
Another business opportunity ,easy and simple is at wsdomaincash with a WS extension and NOT COM extension.
SUBAB99 2 years ago
See what people are saying about WFG. Click on my profile to know.
forprivpass 2 years ago
wow $6K..but hey i wouldn't want to be on a ship thats being sold oh and the best part is just this month which we are only on the 11th i've replaced 15 primerica policies and it was so much less expensive, sorry but im in it for the people the money is just a plus... oh and realize this 4 of your rvp's are now with wfg and i've gotten a total of 12 pfs agents into wfg...say all the words you want.. the results are happening.. i too was in pfs and i made a lot of $ but i saw the true here...
mikegiomorales 2 years ago 2
What true did you see?? My ass you made alot of money in pfs. You left because you could make more in wfg per policy you sold. Go get your securities license and you'll understand how investments work. Therefore you would see that the junk your selling really is junk. o wait you cant. WFG doesnt allow you to haha thats right. WFG is not a financial services company. They are a company that sells life insurance. They wrong kind too. The majority of wfg hold only one license. The life license.
hansonx08 2 years ago
i bet youve been there for years. at least hit rvp first. then talk all the smack you want. by the way it aint raining the sun is out and its called wfg so take that umbrella and shove it!!! regional leader??? thats like janitor at mcdonalds.
crushield1 2 years ago
wfg is a scam!!! They suck the living out of your investments!!! spread the word
metalhead33 2 years ago 5
it probably sucked for you! or maybe you suck. and ull reply back like people care what you say. if it sucks mean you tried it. or youre one of those idiots that writes comments with his a** and s**** with his mouth
crushield1 2 years ago
no, i agree with metalhead you idiot.. i hate how wfg ppl brag about how much money they make... they need to shut up like you.. seirously.. how unprofessional..
swchoi89 2 years ago
@metalhead33 I will say this... you are right about their commissions charging alot. I mean they charge ALLLOTTTTT. But so does Schaub, Dreyfus, Goldmann sacks. If you have ever invested with a broker, you'd know the fees are all regulated . so they charge no more than any other brokerage firm. You must invest in bank product like CD's... LOL now that's a scam. Ohhh give me that 1.8 percent on 2 grand. What is that like 36 bucks and change.... ohhh yeahh... I'm rich now LOL.
TypeAtHome1 1 year ago
@TypeAtHome1
i never invest in the bank.
i get 12% rate of return on my investments.
so i will be rich and you wont. LOL
metalhead33 1 year ago
wfg sucks the living out of your investments. dont fall for their trap
metalhead33 2 years ago 2
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wfgwinnipeg 2 years ago
This has been flagged as spam show
Well put Winnipeg, the strength of our comapany is catching fire all over the US and Canada, what an incredible Convention...
joezinhochi07 2 years ago
Guys after being involved in WFG for 8 months, and after returning from the most incredible 3 day convention in LA, I must say now I am a true believer in my fellow man... You see its easy to throw stones at something you dont know or understand, but what I challenge every person that doubts this company and its integrity I simply ask you to do your research about them and do some more... Give them a fair shot, check out the web site, look at the material they have.
joezinhochi07 2 years ago
You sound like a cult member.
KaiXiSanSanSan 2 years ago 5
WFG has no integrity. B4 u decide to get anymore involved in wfg. do yourself a favor. Go research the history of wfg. After that go do some research on cash value or what i call trash value life insurance. Then go do some research on WFG's hottest new junk product, Index Universal life insurance.
hansonx08 2 years ago
I'm not sure how they can be ripping you off. Don't they offer only an education about financing? I haven't joined, but I have read there books and they are fantastic! I learned more in the first two hours reading there books then I have ever learned about financing before throughout my whole life.
MurLindz 2 years ago
WFG is a COMLETE scam. they sell whole life, universal life, and cash value insurance that are total rip offs and they screw families.
on the other hand Primerica actually helps families and what they sell is cheap and right and thats why EVERY SINGLE TIME primerica comes across a wfg policy, it is wiped out and they take over
metalhead33 2 years ago
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wfgwinnipeg 2 years ago
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joezinhochi07 2 years ago
I would bet everything I have that you probably were not taught how a UL contract was designed or how to read a UL contract or seen one implode? That is why most WFG agents "think" UL is a tax shelter and estate planning tool because they don't understand it. I have sat down with several agents and it is unbelievable to see how little they know about their own products. One agent couldn't explain how RRSP's work or explain MTAR or even heard of the 250% rule.
naranjacarrot 2 years ago
hey stupid! it's IUL get the s$%* staright if your gonna diss it! also irc code 7702. i wish i could of been there to c u implode right now!!!!!!!!!!!!!
crushield1 2 years ago
simple steps for dummies like you:
1. go on youtube
2. look up nbc life insurance
3. watch the video and you learn
crushield1 2 years ago
Yeah right!!! Don't you hear that PRIMERICA cancel the vacacion trip they offer to thei best Reps!! What a shame.
Also, Citigroup (its subsidiary) is thinking to sell Primerica and nobody wants to buy it.
On the other hand, We (on WFG) are going to Hawaii this year.
We, for sure, are kicking some A......
glazo4 2 years ago
AHAHAHAH yeahhh OMG citigroup cancelled the vacation!!! :( oh no!!!!!!!
and did you hear Primerica deposited $6000 to the bank accounts of each rep that won the vacation so they can go on their own? OHH YESSS BIATCH HAHAHA
i actually did go to Atlanta haha BUUURRNN
Also, nobody can afford primerica for $8 billion, otherwise who wouldn't want a company with over 100,000 reps generating $700 million a year? hahaha get ur facts straight. btw i replace wfg policies EVERY NIGHT :) hahahaha
metalhead33 2 years ago
its funny to hear a weak rep defend itself. and try to justify everything. 1 on 1. yeah id like to hear you laugh. idiot!
crushield1 2 years ago 2
hahah i laugh everytime i replace one of your trash value policies.
weak rep? im a regional leader with primerica dude!!! something you dont got the balls to accomplish.
you know what, everytime i replace one of your piece of shyte policies im gonna post it up here :)
metalhead33 2 years ago
Oh and I met with another regional leader before. I wouldn't talk too highly of yourself. That only requires 3 recruits. which isn't hard. Not to mention you don't make enough money to get yourself out of the situation that you're currently in with where you live, what type of car you drive, etc.. Also If you look at your position with our company that's really low on the totem pole. I'm at the same level you're at and I've been in it for less than a year. I know another guy who did it in 48hrs
anonymousnamealso 2 years ago
lol
wow i can see how much biz you write when you're on youtube 24/7. losing a lil momentum?
from what you are saying, you clearly have no idea how our company works. have u even seen the yealy issue of "financial independance council" that shows thousands of ppl makin over 6 figures. yea i didnt think so. u guys dont even have that. i got to district and doubled my original contract level in the first 3 weeks. and trust me im makin a very comfortable income jus part time
metalhead33 2 years ago
so you lie and claim that you're making all this money from a magazine that your boss makes. Have you ever seen or read Underwriters monthly. I don't think so, there it shows thousands that make Millions. Which you can't do the first three weeks but you can make. and you're responding to me a aweful lot so I guess you must have a pretty good team too cause I know I'm making money. Perhaps you should read your contract dealing with your hiring and firing protocols and about your book of business.
anonymousnamealso 2 years ago
@anonymousnamealso you seem to have nothing better to do than sit here and write pages. shouldnt you be prospecting or something?
metalhead33 2 years ago
So the average agent generates 7000 million only? That's almost as weak as your sales pitch. Keep faking your success like your wife fakes her orgasm every night when she fucks your sorry ass. Get a real job.
axegizzle 2 years ago
1) im not as old as you and i dont have a wife, and i gave my gf 22 orgasms last time (no joke), something obviously you are incapable of doing.
2)our company generated $680 million last year after tax, for compensation for its members, resulting in over 2500 people making a six figure income which is more than any other company on this planet.
3)get your facts straight before you start typing. you are an embarrassment. you do not have any facts so you rely on insults and hateful comments.
metalhead33 2 years ago
Where's your piece of the pie? Look at your pathetic self. Why are you so defensive? You are working to put money in other people's pockets. Any "competitive" company with pay their agents at least 50-60%. You answer yourself what your shit company pays you. LOL @ you.
axegizzle 2 years ago
hahah wow you are definitely showing your true colors. pathetic? shit company? wow u sure dont sound like a business professional trying to debate facts, you sound like u scrub toilets for a living XD
and for your info, my company currently pays me 70%, and in a few months when i hit RVP it will change to 95% PLUS overrides PLUS residual trailers. who is working for a shit company now? :)
metalhead33 2 years ago
You know it's funny cause you say that any "competitive" company pays at least 50-60% to their agent. that's really funny cause I spoke to a State Farm agent who just got her license when I got mine and she said that she was making 50% on a 300 a month premium. Which in the end is 900. That's nothing compared to what we make starting off. and we start ours at a really low amount. We are working so hard not ot get other's money but for ourself
williamholsey 2 years ago
did you now that your company primary way of doing mutual funds and investing peoples money went bankrupt already. they had to get the bail out money. Now I don't know about you but doesn't that seem far more riskier than to go with a company who has never had any money issues other than the one's your company gave us cause your founder was a criminal and has a huge ego. I mean how can you really help people out if you can't keep your own company out of debt.
anonymousnamealso 2 years ago
Dude you just broke the law. Code of ethics. read about it. BTW what's the difference between Debt Consolidation and Elimination? You should know since you work for primerca. keep selling your term policies and charging people more for their renewal contract. with your high premium. BTW in case you didn't know Whole life and Universal life both share something which yours doesn't Cash value which means if you're broke cause of the times, you can use that money to help out. unlike Term.
williamholsey 2 years ago
World Financial Group is the FASTEST GROWING financial services company in the world, and for good reason... Great products, Great reps, and HONEST leadership, coupled with great product providers such as ING, New York Life, and Prudential securities.
WFGpro 3 years ago
WFG is a scam.
WFGpro is lying to you.
They are in the business of ripping off the public.
Do your research and see for yourself.
nododon 3 years ago
Nododon, if you did your research you would have found that WFG is not even a MLM. It is simply a Financial Brokerage Company not similar to Fidelity or T Rowe Price. Get your facts straight befor you spout your crap.
jdace99 3 years ago
dude you lie too much. You know nothing about the law especially when it comes to people who have Licenses to be a life insurance agent. BTW Primerica has the same license and are owned by citibank. So you can say that WFG is a scam but it's only cause you no nothing of the law. Life insurance isn't made to rip off the public, it's made to keep your family safe if something happens. term is made to rip people off. Who really can tell when they'll die.
williamholsey 2 years ago
williamholsey.... you stupid fuck.
You are obviously very ignorant about the product you sell, I mean scam, to the unsuspecting clients as you con them into buying your bullshit. You need to get a hold of Norman Dacey's book and enlighten your sorry ass. This debate has been over for years and term is the ONLY product to own. Cash Value insurance in ANY form is a total rip-off.
You should be ashamed of yourself.
nododon 2 years ago
is that why ING, AIG, John Hancock, Prudential, and so many others offer Universal Life cause apparently they know nothing and they really want to push universal versus Term except AIG cause they all know that Term is a temp fix with nothing to offer. Who do you work for? no one, cause if you did then you'd have a license and you'd know that only person that Term helps out is the corporation that owns that policy.
anonymousnamealso 2 years ago
So let me get this straight this discussion has been over for many years cause "Mens Magazine" said that term is the only way to go huh. That same magazine that's owned by the fool who owns primerica. Who when he broke the law and lied about his intentions to Hubert H. his former business partner so that he could purposely kill off the competition through corporate espionage( using his own magazine, look it up). Also the whole industry uses whole life or UL. Only your sorry company doesn't
anonymousnamealso 2 years ago
oh yeah and get your facts right b4 u embarass yourself. the 3 recruits and 3 FNAs are for the first promotion level. to be a reagional leader (70% contract) u need to have a solid business and your recruits should each have their own team and be productive. at this level ur financially independant despite what ur saying. after that you're off for your "Regional Vice president" promo for a 95% contract. so dont come here tell me u cant make money in this biz just cuz u dont have what it takes
metalhead33 2 years ago
anonymousnamealso is a turd brain.
He thinks he understands his product and it is so obvious that he has no clue as to the internal workings of his cash value scam.
Glad to hear you are with PFS. I have been writing business since 1988. I got involved in PFS as a doctor, as my wife was full time. WE were hookwinked into one of turd brains policies and I was so fucking mad I started telling everyone I came in contact with what an ass pounding they were getting with their cash value products.
nododon 2 years ago
@nododon BTW dumbass Term is a piece of shit policy. It only works if you die within that Term policy period of years and if you don't you loss everything and have to start all over again with a higher premium. Don't call people names when you honestly don't know your own product. My mother got approached by a Termite who told her an illegal lie. That there was a term company that gave free college money to the kids. The Premium isn't free it's overpriced. So from 2 years ago, go suck a dick.
williamholsey 4 months ago
@williamholsey What fucking rock did you come crawling out from under? I know your bullshit scam savings type insurance contracts better than you or anyone else who markets them. Term insurance is designed to be a temporary plan dumb fuck. You should NEVER need life insurance when you are older. You build your 'nest egg' for retirement over time and if you die prematurely you have the inexpensive term policy to provide what you have yet to acquire. Your insurance products are immoral.
nododon 4 months ago
@nododon I've been working.Here's the thing. You don't know shit about it. Only scam is a dumb fuck that says you don't need life insurance when you're older. Stupid fuck older people are more likely to die which is the reason why it's harder to get it. You need it the most then. Dumb fuck it's not for you but your family. to cope with expenses and to leave them something when you go.Only an idiot thinks that life insurance isn't a "Nest egg". oh and insurance starts at 30 a month.
williamholsey 4 months ago
@williamholsey Why the hell would you need life insurance when you are self-insured? Why would you pay premiums for something you don't need anymore? You are a fucking idiot, you have no clue as to what you are talking about. You lack common sense. Go get a real education asshole and then come back and make an intelligent comment. You are screwing the public and you know it with your bogus savings type life insurance. You have no fucking soul. You should be ashamed of yourself.
nododon 4 months ago
@nododon Simple you stupid dick. Because you have two constant things in life. you live and you die. You need it while you live cause hopefully you'll get older and when you die it then comes to life for your loved ones. You talk about lacking common sense. You dumb fucking dipshit regardless of term or IUL, the purpose of it is for when you die not if you die. You should just stop talking as you truly know nothing about this subject. stop duping people with fake wisdom.
williamholsey 4 months ago
@williamholsey You are a fucking fraud. Life insurance as an investment is a scam and you make bigger commissions selling it and we all know that is your only motive. You rip off the consumer trying to convince them that life insurance is a 'permanent' need and it isn't. All consumer advocates warn people of the pitfalls of bundling savings with an insurance policy. So get a clue dickhead and quit selling your snake oil remedies you fucking charlatan. Get your fucking head out of your ass.
nododon 4 months ago
@nododon How interesting you fucktard. Michael Jackson had a Life Insurance policy and guess what It wasn't A Term. Term's highest payout is 1 mill. Mike had a Cash Value life insurance policy. Most likely a IUL cause it's the most reliable with the ability to pass a lot of tax laws. You don't and never have known a fucking thing about Life insurance other than what your Primerica pimp tells you. Go suck on a sick dick. You fucking loser.
williamholsey 4 months ago
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nododon 4 months ago
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nododon 4 months ago
@williamholsey See, I knew you were an idiot. LOL ...There is no 1 million dollar limit on Term insurance you fucking pathetic piece of shit. Term face amounts can go as high as 10 million you freaky fucking bastard. And regarding 'Mike' as you refer to him (as though you knew him personally) obvious some ripoff piece of dog semen like yourself probably convinced him to buy an over-priced under-valued IUL and then laughed their way to the bank. See now what a fool you are. You don't know shit.
nododon 4 months ago