Yes, this is a classic MLM pyramid scheme. That usually corresponds to four levels of management such as local, state, regional and national. This means that the same Californian Judge will hear both cases. Arnold & Porter > Newark, United States > Firm Profile. Primerica 2. At least on one level, it appears that the immediate goal of the Premier Financial Alliance website is to get people to fill out the questionnaire. That process can take days or weeks depending on the information received.Lastly, your agent will contact you and go over the results of your underwriting and details of your policy. >> Some organizations honestly believe its okay for an entry-level agent with ZERO experiencesomeone who hasnt even sold their first policyto start recruiting people left, right, and center. John has been in the financial industry since 1987, and prior to that he worked his way through college doing construction. Your this comprehensive review will help people to become aware. The vast majority of Americans, and especially high-income Americans like physicians, will, at some point, no longer depend on their earnings from work in order to live. This aggressive side of Marquez is loved and appreciated by . 16 0 obj However, it does show that the company is at least paying lip service to a code of ethics. Reviews, Gwinnett County Board of Education Reviews, Gwinnett County Board of Education Careers. However the same order also stayed the case, pending outcome of a motion to compel arbitration in the 2019 pyramid case. TC84457(0415)P You wont find anything specific about what Premier Financial Alliance is or what you must do to succeed with their opportunity. 2 Baths. 9 0 obj Once I gave them my credit card, they started charging increasing monthly fees. endobj Gary the flaw in your article is you failed to interview the very successful NURSES and medical professionals (these are ethical people who save lives) that are involved in PFA. It is a one-time lifetime fee. To achieve this, they create a commission structure that rewards the founder of the scheme and a few members at the topmost ranks who joined the scheme early. /Type /Pages The big deal is that if you go back to 1870, the average dividend yield of the stock market is over 4%. The companies of National Life Group and their representatives do not offer tax or legal advice. This is a permanent life insurance product that combines pure insurance protection with cash value accumulation. 13 0 obj First, start by doing your due diligence and find another insurance agency to work for. Your article is a FARCE, Gary, Shame on you. When you join PFA, you pay a $125 fee to the company. << What matters, if you are considering the business opportunity, is whether you have a reasonable chance at success. Chen joined Premier Financial Alliance in 2017 and Gonzales in late 2017 or early 2018. Pyramid schemes are dependent on recruiting. 1,440 Sq. << She is very respectable in the community she lives in, ethical and trustworthy. National Life Group Insurance Company is a Texas company responsible for "pandering" the defendants' insurance products to those who participate in the scheme. After paying the $125 non-refundable fee AND getting a license to sell life insurance, PFA members can recruit others into the scheme. Would you like to learn more?You run your business.You are busy and your time is valuable. << Because it involves talking to your friends, relatives and even searching online job boards to persuade people to join and sell insurance with you. There are certain financial situations faced by your business and family that may not get your full attention. NOTE: Are you an aspiring or new insurance agent looking for more insight on how the insurance sales industry works? /MediaBox [0 0 612 792] 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. << << Plaintiffs Gonzales and Chen have opposed the motion, and a hearing to decide the matter has been scheduled for July 19th. The plaintiffs also claim that the cost of the insurance is so expensive it cannot compete as a retail product and only members of PFA purchase it as a requirement to qualify for commissions and overrides. Essentially, by answering Taylors questions, we can find out if a company is legitimate or if it exploits its associates. They noted that Dennis Villarin and his trainees "made it appear to WFG's supervisory and compliance staff as though the clients satisfied WFG's requirements regarding the use of leveraging, as set out in its policies and procedures. /Count 31 The securities commission noted that the World Financial Group "did not have adequate controls and mechanisms in place to fully supervise the leveraged accounts." There is no way to know what a person is getting into when they visit the Premier Financial Alliance website. PHP Agency 6. So there. Its main product is indexed universal life insurance, a form of permanent coverage that provides a cash value in addition to life insurance. This is called financial independence. Indexed universal life insurance (IUL) is an insurance product that seems to promise you can have your cake and eat it, too. You may have noticed that the best products in life generally sell themselves. Now you know a little more about how Premier Financial Alliance and World Financial Group works, Id like to talk about my experience as an insurance agent since 2011 and as an insurance agency owner since 2014. The questionnaire on the PFA website certainly raises the assumption that Premier Financial Alliance is dependent on recruitment. The company also offers final expense insurance, a type of whole life insurance designed to cover medical bills and funeral expenses after the policyholders passing. This means that improving your earning capability with these agencies is undeniably tied to recruitment (aka builder a bigger company). First, consider your own situation. Marc Marquez: Human side. A member can earn a respectable income with only selling the products of a legitimate direct selling company and never have to recruit. But here I started making good earnings after a month of passing the licensing exam. If you do, the first step is to give them $125 you will never get back. You shouldn't take just my word for this. They have a brain washing routine that will suck most go-getters in and when you try to quit they hassle and threaten you with paying fees. I contacted them repeatedly (as an associate! Pyramid schemes typically require members to Pay to Play. Pay to play means a member must pay for the opportunity to make money for the company. Ils seront un expert pour effectuer un service optimal. This, the lawsuit states, comes at the expense of selling insurance policies to retail customers. - Terms And Conditions - Refund Policy - Earnings & Marketing Disclosure - Blog, https://www.youtube.com/watch?v=vfQiJ8Db6xo&t=218s. By David Duford - January 03, 2023 - 5 Mins Read. 1. "Work life balance" was the most mentioned, "Great leadership" was the most mentioned, "Entrepreneurship" was the most mentioned, Read more National Life Group reviews (349), Read more Premier Financial Alliance reviews (146). INDIVIDUALS, BUSINESS OWNERS & FAMILIES WFG Securities paid a $250,000 settlement to rectify the situation. Its taken me years to learn to see the truth about MLMs. If a highly-trained sales force is the only way to sell something, buyers should probably wonder why. PFA indeed have skeletons in their cupboard and if victims have read articles like your one would have taken great care to know which company is real or not. In our review we found an astonishing lack of information provided to potential PFA retail customers or indeed, whether retail sales were even possible at all. WASHINGTON, May 08, 2017 (GLOBE NEWSWIRE) -- The National Association of Corporate Directors (NACD), the advocate for the profession of director. Ultimately, it doesnt matter if PFA is a pyramid scheme or not. Both are multilevel marketing firm (MLM) companies. Also, check out my Agent Success Stories and my best-selling insurance sales books. Generally speaking, people dont make money here by selling legitimate products. Premier Financial Alliance is a secretive multi-level marketing company claiming to offer an opportunity to build a financial services business. This too comes out of commissions but you have the option to pay upfront for 30.00 a mon. Thanks for reading! It offers premium life insurance, long-term care insurance, retirement income insurance, and investment plans, including annuities, mutual funds, and ETF saving plans. Thank you. New agents end up feeling demoralized. Since 1928, the S&P 500 has had an index return over 12% 44 times, or about 52% of the time. A quick search of DSA members reveals that Premier Financial Alliance is NOT a member of DSA. Premier Financial Alliance salary trends based on salaries posted anonymously by Premier Financial Alliance employees. He has been instrumental in guiding and advising many significant local retirement plan sponsors. Without a thorough analysis of the opportunity, it would be foolish to get involved with Premier Financial Alliance. To overcome this, I recommend that new agents focus on mastering whatever insurance product theyre interested in before moving on to recruitment. World Financial Group is a Transamerica-owned company that sells financial planning services, such as savings, insurance, and retirement products. When an MLM is not a member of DSA, it is cause for concern as it reveals they are not the least bit interested in appearing legitimate or abiding by any code of ethics. Clients will work alongside experienced PFA agents to build their strategies and plan for their future. 100, She is very respectable in the community she lives in, ethical and", "I highly recommend Libby! Defendants named in the lawsuit include Premier Financial Alliance, David Caroll (CEO and Founder), Jack Wu (chairman and ringleader) and his company AJW Productions, Rex Wu (field chairman), Lan Zhang (an original member of PFA), Bill Hong (conspirator). SUWANEE, GA / ACCESSWIRE / November 14, 2016 / David Carroll, CEO and Founder of Premier Financial Alliance, Inc. announced on April 30th, 2016, the debut of Living Life indexed universal. /Count 8 Better yet, can they teach you how? endobj Premier Financial Alliance makes $249,315 in a day. In fact, if youre interested in learning more about the industry, you can check out my Free Insurance Agent Resource Guide, specifically for aspiring agents. /Resources << The lawsuit filed in California alleges that success with PFA is completely dependent on recruitment. 30+ Hours Insurance Sales Training, Scripts, Books, And More Yours FREE! Absolutely NOT! The plaintiffs charge that Premier Financial Alliance is a pyramid scheme and an endless chain recruiting scam. Our role as a combined voice for all councils is incredibly important in shining a light on key issues of policy, funding and legislation and how these impact at a local level. Emotional decisions are not logical decisions. It happens more often than not. I know the WSB office usually offer it. << In addition to covering that, today we're also revisiting the original 2018 Premier Financial Alliance pyramid lawsuit. SFG specializes in several life insurance markets, primarily the mortgage protection insurance market. How much does that matter? And feel free to leave a comment below. You dont need a permanent policy to insure against a temporary risk. Every page of the PFA website attempts to make you feel greedy for the pig in a poke they are selling. Just please be careful and on your guard if you go. Premier financial alliance is one of the platforms where I lost my funds heavily and they couldnt refund me up to date. [Exposition] . An underwriter is someone who is specially trained to assess your application and determine what risk, if any, may exist. /Contents [50 0 R 50 0 R 51 0 R 52 0 R 53 0 R 54 0 R] American Income Life 8. Premier Financial Alliance 4,762 followers 1mo This past year has been a unique journey for many business owners, and it's important to take time to reflect on the successes and challenges you. /Type /Pages /ITXT (2.1.7) NASD also found that the firm failed to establish and maintain a supervisory system reasonably designed to assure compliance with the Regulatory Element of the Continuing Education Requirement by its registered representatives.". Any time a company tries to make you feel greedy for their opportunity but hides the details, its suspicious. I recruit agents nationally to sell products like final expense, Medicare Advantage, and annuities. Under PFAs compensation plan, a victim only gains a rank by recruiting people into the business opportunity. Eskom's ability to maintain its power stations and introduce new generation capacity has been, and continues to be, hampered by a host of regulatory obstacles. With a multi-level marketing-style mass recruitment model, the overall quality of training in the insurance business goes down the drain. Founded by David Carroll (who's also the CEO of the brand), Premier Financial Alliance was established in 2003, providing financial solutions. Be good. Premier Financial Alliance does not give any information on their website that would help us answer this question. The Happiest Place on Earth. endobj That appears to be happening with PFA. Other financial products from Premier Financial Alliance include term life insurance, whole life, and universal life, and annuities. The PFA lawsuit is still playing out. We offer superb services to the right clients- not everybody! Unfortunately, what you wont find on the PFA website is specific information that will help you determine what the business opportunity is or if its right for you. The company has a varied portfolio of insurance products like term life, permanent coverage, and especially indexed universal life products, in addition to retirement, savings, and wealth-building strategies. Chen joined Premier Financial Alliance in 2017 and Gonzales in late 2017 or early 2018. They focus on recruits, tell you time and again you can work part time. The results of that case are still undetermined. 3 Beds. PFA doesnt sell a product. , , 50, , , 85C WFG20, , 20. Premier Financial Alliance may also be known as or be related to Premier Financial Alliance. If PFA protected territories, I would expect it to mention the fact. Similarly, World Financial Group agent earnings are commission-based. 47.7. However, there is no evidence on the Premier Financial website to substantiate these assertions. A pyramid scheme does just the opposite. I would love to buy Living Life by Design but due to my health I cannot qualify. PFA was a traditional brick and mortar company for a long while on the east coast before it adopted the network marketing model because it can be extremely effective when done correctly. Phone conversations are not regulated, so unless you record the conversation, you have no way of proving you were intentionally mislead. /Names 4 0 R They have a beautiful sales pitch about the aging of America and the opportunity to help the masses get rich through investing. /Pages 3 0 R Both are multilevel marketing firm (MLM) companies. Once they pay the $125 membership fee and buy the Living Life IUL policy, Premier Financial Alliance associates are pressured to recruit and sell the policy within their network of friends and family members, typically from the same immigrant group. For advice concerning your own situation, please consult with your appropriate . xS0+H8nA ^+"q@V=, Chen et al v. Premier Financial Alliance, Inc. et al - 4:18cv3771. National Life Group is a group of financial service companies that offers life insurance and annuity products for individuals, families, and businesses. >> /Kids [8 0 R 9 0 R 10 0 R] /Count 8 >> To my believe, they are scam while newbies in online making money should stay away from. Why can this be an issue? They dont. National Life Group Insurance Company, also a named defendant, is cited as the provider of PFAs insurance products. We know from the notice at the bottom of the PFA questionnaire page that a member must pay a $125 non-refundable fee. 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. I believe that many people will find the real truth about this company. How much of a commission is paid out is determined by a Premier Financial Alliance affiliate's rank: Career Associate - 30% Field Associate - 45% Senior Associate - 55% Provisional Field Director - 60% Qualified Field Director - 70% Even if you only go back 15 years to 1999, during this supposedly terrible period for equities, it has happened 7 times. I just started selling after I was trained (for free) on the PFA system. Asia Pacific; EMEA; Latin America; UK Solicitors; UK Bar; United States To look at it another way, if Premier Financial Alliance earns most of its revenue by recruiting people into the scheme, its probably a pyramid scheme. Premier Financial Alliance revenue is $91.0M annually. You can just be a producer, period. That is reason enough to avoid it. Premier Financial Alliance Investment & Asset Management Salaries National Life Group has 450 more total submitted salaries than Premier Financial Alliance. iA Financial Group (Industrial Alliance) Qubec, Quebec, Canada 18 minutes ago Be among the first 25 applicants See who iA Financial Group (Industrial Alliance) has hired for this role At the hearing defendants Life Insurance Company of the Southwest, National Life Insurance Company, NLV Financial Corporation and National Life Holding Company were granted a motion to dismiss. And somehow else, they dont tell you about recoupments. /Subtype /XML Thanks for the review on premier financial alliance. 30+ Hours Insurance Sales Training, Scripts, Books, And More Yours FREE! Learn more, read reviews and see open jobs. She is an inspiration to many! Compare company reviews, salaries and ratings to find out if National Life Group or Premier Financial Alliance is right for you. American Income Life, a wholly owned subsidiary of Globe Life Insurance, is a major provider of supplemental life insurance. should know. Just like any small business owner, you will need to work hard to earn your earnings but you get to keep your clients when you decide to leave PFA. Most likely youre reading this article today because youre thinking about selling insurance either with Premier Financial Alliance or the World Financial Group. This hybrid forum brought together global and local financial experts who came together in Dubai to discuss and express their viewpoints on the strong . The company is focused on providing healthcare solutions to individuals and families, as well as self-employed and small business owners. The quality of experience, training, and skill lessons over time. New Premier Financial Alliance suit claims Asian immigrants targeted Jul.06, 2019 in companies A new class-action pyramid lawsuit was filed against Premier Financial Alliance earlier this year. A RICO class action lawsuit filed in California in June 2018, alleges that Premier Financial Alliance operates an illegal pyramid scheme. Dr. Taylor developed five questions to answer about a company to determine if it might be a pyramid scheme. According to the Direct Selling Associates Code of Ethics, the information on the Earning Disclosure must be substantiated by competent and reliable evidence.. You went right straight to the jugular and made claims of you OPINION. /Rotate 0 Premier Financial Alliance classic pyramid scheme lawsuit filed, David CarrollJack WuRex WuLan ZhangBill HongAJW, PFAJack WuPFARex WuLan ZhangBill Hong, Rui ChenWenjian GonzalesPFA20172018PFA, , PFA, , 25015, , PFAPFA, 528125PFA305, PFA55%, 305PFA55%, PINNACLE ACADEMY After School Learning Center, Susan Goodkin Selective College Consulting, Mingfei (Kurt) Ha | REALTOR Licensed in MD, VA, DC, Zhen Wang | Real Estate Investment Advisor, Premier Financial Alliance fraud cases consolidated, Why an Indexed Universal Life (IUL) Policy Will Fail - Quick version - Safe Money - Cash Value Life, http://blog.sina.com.cn/s/blog_708d8ef10100xznu.html, http://www.chineseinla.com/f/page_viewtopic/t_779561.html, , , , marketing director, senior marketing, , ----, WORLD FINANCIAL GROUP WFG, Word Financial Group , World Financial GroupSenior, Marketing Director , https://en.wikipedia.org/wiki/World_Financial_Group, National Association of Securities Dealers, http://xiaoshuailiu.blogspot.com/2017/09/wfg.html, The White Coat Investor: A Doctors Guide to Personal Finance and Investing, https://www.mdmag.com/physicians-money-digest/personal-finance/dahle-5-reasons-not-to-buy-iul-insurance, https://www.mitbbs.com/article_t/SanFrancisco/34629529.html, https://behindmlm.com/companies/new-premier-financial-alliance-lawsuit-claims-asian-immigrants-targeted/, https://behindmlm.com/companies/premier-financial-alliance-classic-pyramid-scheme-lawsuit-filed/, http://www.wenxuecity.com/news/2018/07/25/7469956.html, A 2004 NASD disciplinary action report summarized disciplinary actions against WGS. PFA mitigates some of the financial and logistical risks that come with starting a business, acting as a self-proclaimed safety net for their partners so they can focus on their creative freedom, leadership strategies, and sales tactics without fear of failing because of their record or credentials. World Financial Group - Be Careful of this MLM! Click to DISCOVER a Proven Path to Financial Independence! Lets take a look at some insurance agencies and companies similar to Premier Financial Alliance in case youre interested in doing a comparison. In a poke they are selling Hours insurance sales Training, Scripts,,. Comprehensive review will help people to become aware you may have noticed that the same order also the. Product theyre interested in doing a comparison a thorough analysis of the PFA questionnaire page that a must. To give them $ 125 you will never get back who is specially trained to assess your application and what! 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