Premier Financial Alliance makes $249,315 in a day. 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. This is a business for someone who is serious about creating a great income and financial independence. No MLM offers a legitimate opportunity, but with PFA the warning signs are all over the place. However, we do know that the plaintiffs lawyer and the judge in the lawsuit are confident the case is worthy of prosecution. No persons, except the promotors and operators of the Premier Financial Alliance scheme make any money. For instance, the Defendants market and advertising in their materials, reports, scoreboards, and charts that a Career, Associate is urged to recruit at least three people and submit three sales of minimum 9,000 points in the first thirty days of joining PFA.. Its insurance products include life insurance and supplemental health. This too comes out of commissions but you have the option to pay upfront for 30.00 a mon. Theres a big difference between doing and teaching. Even Disneyland gets sued. << In my opinion, at best, Premier Financial Alliance is a poorly organized and managed MLM. How does Premier Financial Alliance work? /F1 17 0 R Pfa does not sell products directly, so they cannot publish earnings. I have not heard about this company before. You shouldn't take just my word for this. I hope this article has helped you decide which organization is best for you, whether thats Premier Financial Alliance, the World Financial Group, or any other agency. It is headquartered in Johns Creek, Georgia, and operates both in the US, Puerto Rico, and Canada. Premier Financial Alliance website claims to be an innovative leader in the financial services industry and to have helped thousands of people to live their dreams and achieve financial freedom. The business opportunity is focused on recruiting people, and have them purchase 100 points in volumes. None of the information on this page has been provided or approved by Premier Financial Alliance. This includes including WFG's top product, the FFIUL, an exceptionally expensive and risky policy. /Type /Pages This means that improving your earning capability with these agencies is undeniably tied to recruitment (aka builder a bigger company). That amount is utilized to maintain our individual agent portal. 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. The devil is in the details, and when you really examine them, it becomes clear that these are products designed to be sold, not bought. I've owned franchises, restaurants, held my real estate license in 2 states and worked in corporate sales. Offers excellent training & support, great benefits and educational opportunities. /MediaBox [0 0 612 792] I was paid commission on my first sale which more than paid for my outlay. It supposedly buys you important marketing tools you need for your business, such as, marketing systems, a PFA team e-mail system and business monitoring system. Other financial products from Premier Financial Alliance include term life insurance, whole life, and universal life, and annuities. There are many reasons you may want to quit Premier Financial Alliance, for example, you ran out of money to invest in leads, you ran out of prospects to sell to, or you simply found that the business of selling insurance wasnt a good fit for you. PFA, Carroll, J. Wu, R. Wu, Hong, Zhang, AJW, by their authorization promote the pyramid scheme and make misleading claims of financial success. /Type /Pages ), but they NEVER ONCE responded to any of my phone calls (endless phone system then hung up on me) or my emails or the contact form on their agent support website. The PFA questionnaire clearly states at the top that all fields must be completed. Premier Financial Alliance agents are paid variable commissions from the insurance carriers based on the type of product, amount of coverage, and other factors such as the age and health of the customer. Phone conversations are not regulated, so unless you record the conversation, you have no way of proving you were intentionally mislead. Indexed universal life insurance (IUL) is an insurance product that seems to promise you can have your cake and eat it, too. Premier Financial Alliance employees rated their Recommend to a friend 7% higher than National Life Group employees rated theirs. >> Its mentorship and field training programs, as well as its numerous business tools, give new entrepreneurs access to products and services that help them build their dream business. /Type /Catalog You do not have to buy PFA products to work there. The company structure is not a traditional one thats why I understand people jump to conclusion and called it SCAM or PYRAMID. /Type /Pages The final report will bring together several elements of Canada's role in the conflict, including financial, military and humanitarian aid. This aggressive side of Marquez is loved and appreciated by . Freedom Equity Group focuses on selling life insurance and annuities. >> C2820332, that currently does business at 8000 Marina Blvd., Ste. Most organizations that push a recruitment-focused strategy usually offer way below-average sales training and support. When adjusted for certain items that impact the comparability of results, the Company generated an adjusted net income (1) of $111 million, or $0.23 per . /Count 1 Once you become an associate with Premier Financial Alliance, you will have access to their database of clients, from which you will recruit six other agents in order to obtain the necessary license to sell PFA insurance. Thanks for sharing this with us. That appears to be happening with PFA. /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] Premier Financial Alliance instructed Plaintiffs and continues to instruct other associates to peddle this policy to other people who, in turn, are instructed to sign up more associates, and so on and so on, ad infinitum. So how can IULs offer market returns while still guaranteeing you wont lose money, at least on a nominal basis? By keeping so many secrets, PFA has full control. If that wasnt bad enough, there is also something called a participation rate. stream National Life Group-Premier Financial Alliance can help you plan for a comfortable retirement with steady permanent life insurance and annuities in. This product is not available in Montana and New York. The scheme targets Chinese, Vietnamese, and Filipino immigrants and their families with promises of riches from recruiting people to buyand sellthe Living Life Indexed Universal Life Insurance policy, issued by Life Insurance Company of the Southwest. Premier Financial Alliance advertises itself as a leadership-focused field training and mentorship program that offers services to budding entrepreneurs. endobj . At least then, you can avoid making the big mistakes that most agents make. Premier Financial Alliance is so poorly managed that there is no reason to trust it. /Count 8 Not to mention the lawsuit that clearly describes Premier Financial as a pyramid scheme. The most damning allegations in the new 2019 lawsuit are the targeting of Asian immigrants, and claim that 95% of sales within Premier Financial Alliance are affiliate purchases. IULs have many moving parts. /Pages 3 0 R She is an inspiration to many! 1. Marc Marquez: Human side. The company is focused on providing healthcare solutions to individuals and families, as well as self-employed and small business owners. "We took concrete actions on our Net-Zero Ambition in 2021, launching the BMO Climate Institute . In addition, the PFA agents receive a commission when they recruit a new affiliate. The insurance business is a highly regulated industry and therefore cannot be a scam. /Parent 8 0 R tak(ing) money in return for the right to sell insurance policies, which are readily available on the market at a lesser price. Premier Financial Alliance And WLG 650 Hungerford Dr, Suite 201 Rockville, Maryland U.S.A. Premier Financial Alliance Lawsuit. New York Life, established in 1845, is the largest mutual life insurance company in the country. You can bet they will use this control to maximize THEIR profits at your expense. A legitimate direct sales company will have no more than four levels of rank and overrides. Yes, this is a classic MLM pyramid scheme. Hence, this is not a scam. Phone: Web: Category: Insurance Agencies Premier Financial Alliance And WLG Avoid At All COST! I still work at PFA and I can make commissions only investment was time and hard work. The companies of National Life Group and their representatives do not offer tax or legal advice. The lawsuit also alleges that PFA promises members they can achieve vast wealth with their PFA business but that over 95% of PFA associates lose money. What is Premier Financial Alliance? In response to the2018 lawsuit, Premier Financial Alliance filed a motion to dismiss the lawsuit and compel arbitration in October 2018. Thanks for sharing this informative review with us. National Life Group is a trade name representing a diversified family of financial services companies offering life insurance, annuity and investment products. National Western Life Group, Inc. is the parent organization of National Western Life Insurance Company, which is the parent organization of Ozark National Life Insurance Company,. Each year, this announced rate is multiplied by your cash value and the product is added to your cash value. /Count 5 Is it a scam? The more the insurance costs, the less youll have in the cash value account. Then, WFG threatens legal action against associated who do not pay their trumped-up fees. Premier Financial Alliance's revenue is $91.0 Million - Learn more about Premier Financial Alliance's revenue by exploring their annual revenue, historical revenue, quarterly revenue, and revenue per employee. /ArtBox [0 0 612 792] A specific example cited in the lawsuit is a representation allegedly made by PFA, by which. << The company serves the middle markets for insurance-based financial planning. I wish you had been more fair in your one-sided article. Thats insane. The last significant filing in the 2018 case is a May 28th motion by the Premier Financial Alliance defendants. After reading this great review, we got to know about their activities. Copyright Duford Insurance Group 2014-2022 Essentially, by answering Taylors questions, we can find out if a company is legitimate or if it exploits its associates. Statements made on a website could be legally binding. In the end, I often fall into the trap of being cheated. L'Institut National Suprieur du Professorat et de l'ducation Lille Hauts-de-France a le plaisir d'accueillir l'exposition Le bonheur des coliers de l'autrice Bordo Moncsi du lundi 16 janvier au mardi 9 mai 2023, sur les sites INSP de Gravelines. What I saw while I was there was that they treated their customers in the same way they treated me. 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. The insurance company is the sole determinant of what that rate will be, but it is generally considered to come from a combination of the insurance companys portfolio returns, surrender fees, and the extra money available when people live longer than actuaries project. To those who would totally believe that PFA is a scam. I dont know how people take delight in ripping off people of there hard earned money. Its really tragic. I am glad the way youve exposed all the atrocities of these fraudulent companies by listing all the taletell signs. For more details on what I write, please go here: What is the World Financial Group? Those who sell these commissioned products are highly trained, but not in finance. He was also able to make a great deal of additional money on spread commissions from his downline. AUSTIN, Texas, June 13, 2022 /PRNewswire/ -- National Western Life Insurance Company (National Western Life), a wholly owned subsidiary of National Western Life Group, Inc. (Nasdaq: NWLI), entered . The quality of experience, training, and skill lessons over time. If you are considering the Premier Financial Alliance business opportunity, ask yourself, do you trust them? Premier financial alliance is one of the platforms where I lost my funds heavily and they couldnt refund me up to date. [18][19]In preparation for Aegon's acquisition in 2001, "World Marketing Alliance 'ramped up' compliance before the acquisition". /Type /Metadata And all those crying about the $125 membership fee is pretty petty. /Length 455 According to the lawsuit, Premier Financial Alliance members only sell insurance to other members, indicating that PFA may indeed be a pyramid scheme. Everyone admires and respects her for what she has accomplished in such a short period of time. >> Your article is a FARCE, Gary, Shame on you. That means if the stock market has a really great year, such as the 30% index return in 2013, your return is capped at some lower figure, often in the 10% to 15% range. Blind Tiger Press 1304 Sunset Blvd Suite # 1290 West Columbia, SC 29169. Dr. Taylor developed five questions to answer about a company to determine if it might be a pyramid scheme. ), Is the World Financial Group a scam? I agree. It takes time and learning how to work within the system and the ability to be mentored. they will earn vast wealth, luxury vehicles, and lavish trips when in reality more than 95% of PFA Associates average net losses. >> I have been fortunate to have gained life and leadership experience within numerous commercial industries & public sector domains while leading . Every page of the PFA website attempts to make you feel greedy for the pig in a poke they are selling. These sales people get a large chunk of the money we spend when we join. 1,440 Sq. Premier Financial Alliance 5. New agents end up feeling demoralized. 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. On November 28th defendants A JW Production, LLC, Bill Hong, The Consortium Group, LLC, Jack Wu, Rex Wu, and Lan Zhang, filed their own motion requesting the same. You wrote so many inaccurate claims that are your PERSONAL opinion. 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. Some states require license applicants to complete 40 hours or more of classroom training. Family First Life Top Pick A Note On MLMs And Insurance Insurance Network Marketing Companies Primerica World Financial Group Symmetry Financial Group Premier Financial Alliance PHP Agency The most glaring red flag is that no one can perform proper due diligence on the business opportunity. A pyramid scheme does just the opposite. The securities commission noted that the World Financial Group "did not have adequate controls and mechanisms in place to fully supervise the leveraged accounts." The telemarketers can tell you anything to get your money and they often do. Thats all the reason you need to avoid PFA. 10 0 obj /Names 4 0 R Naturally, they want it up front, preferably from a credit card or debit card. They dont have any magic investments; they have to invest like anybody else. Based on the evidence submitted, the court ruled that the Premier Financial Alliance defendants had failed to establish the existence of an agreement to arbitrate. Learn more about each company and apply to jobs near you. In other words, you must enter the recruiting process. One thing that struck me being with this company for 10 years now is I can freely call and talk to the CEO of the company which boosts my morale everytime. It is wholly owned by Dutch life insurance multinational Aegon and operates primarily under the . voyage financial group inc. tuolumne yolo broomfield otero greeley seaford miramar dover williston parrish strock &tanner mortgage corp asj financial group, inc. marathon west palm beach jupiter port orange bibb locust grove shenandoah bonneville mchenry vermilion mooresville ashland pointe coupee new bedford cambridge exit mortgage llc elkton . WFG Securities paid a $250,000 settlement to rectify the situation. We could not conclusively answer the five questions because Premier Financial Alliance withholds information. , former Finance at Wells Fargo (2001-2002), , , , , , , . Nearby homes similar to 34870 Arroyo Rd have recently sold between $450K to $450K at an average of $315 per square foot. You can also go to sites like these to read more about WFG and also in general about problems with permanent-life insurance such as Universal Life: 256 WORLD FINANCIAL GROUP complaints and reviews @ Pissed Consumer. You are so right about MLM. The PFA lawsuit is still playing out. By comparing employers on employee ratings, salaries, reviews, pros/cons, job openings and more, you'll feel one step ahead of the rest. Kosmos announced today its financial and operating results for the fourth quarter of 2022. Premier Financial Alliance is a secretive multi-level marketing company claiming to offer an opportunity to build a financial services business. . It was chartered in 1848 by the vermont general . As such, the insurance component is very expensive. Chen and Gonzales lawsuit attributes the lack of retail disclosure to PFA. If you do, the first step is to give them $125 you will never get back. Recognition outside the area I work in for all levels of leadership. At the end of the day , if you are curious , find out about it yourself , worst come to worst you spend $100 and you get financial education. NOTE: Are you interested in selling insurance as a business? It can take months and considerable expense to get a license to sell life insurance. Others cant. Millions of Americans provide care to loved ones who are aging or have special needs, many of whom have nowhere to turn for support and caregiver relief. Ride the journey with bliss and gratitude! Theres another element here thats also crucial to your success. There is an open and direct communication line with the CEO, the Executive Chairman and the other leaders in this company. 13 0 obj 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. Give the amount of investment it takes to start a business compared to the cost of paying the $125 entry fee and costs for training I dont understand how this should be an issue. She is very respectable in the community she lives in, ethical and trustworthy. Financial education, training, and leadership programs offered by agents at Premier Financial Alliance help form partnerships with new entrepreneurs and turn them into lifelong associates in their business network. Defendants have failed to meet their burden to show, by undisputed material facts, that the parties entered into an agreement to arbitrate the claims here. Unfortunately, if you dont listen and read carefully, youll misunderstand how the policy works and assume youre going to get stock market-like returns on your cash value or, worse, on your premiums, not all of which goes to the cash value account due to the costs of insurance. To sell the financial-success promise, PFA, Carroll, J. Wu, R. Wu, Hong, Zhang, and AJW flaunt the wealth of the highest-ranked Associates and those few insiders at the top of the pyramid, as examples of the riches that await new participants, if only they will work hard enough (i.e., tirelessly recruit new Associates). /Group 55 0 R Over the phone, a Premier Financial Alliance representative can promise you anything to get you to pay the non-refundable fee. This is an in- depth review I must confess. 2 Baths. Here is a brief overview of the products and strategies featured through the Premier Financial Alliance services. This article is helpful. /Parent 3 0 R No clue. Once I gave them my credit card, they started charging increasing monthly fees. /Title (Chen et al v. Premier Financial Alliance, Inc. et al - 4:18cv3771) Freedom Equity Group 7. Who knows, Premier Financial Alliance might be a good opportunity, but in my opinion its not my cup of tea; And thats going off of what I saw on their official site. Also, the more complex the product, the fewer competitors it will have, and competition drives prices down. Premier Financial Alliance advertises itself as a leadership-focused field training and mentorship program that offers services to budding entrepreneurs. The difference lies in how the cash value account grows. In this world, nobody is perfect, only GOD is! That means you work for free. Perhaps this is why there is so little information on the Premier Financial Alliance website. Regardless of where you are in life, there is probably a lot going on. 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. Strong Vision with an easy to follow plan. The truth is , these companies make money from their victims without nothing to give back. Our focus is to make sure that you get the information you need to help you protect your business and family. Its main product is indexed universal life insurance, a form of permanent coverage that provides a cash value in addition to life insurance. 14 0 obj There are reports online about the commission structure of PFA, but we cannot perform credible due diligence based on information from third party websites. Make good. I just started PFA. The lack of an Earning Disclosure Statement is a huge red flag and all the reason we need to pass on the so-called opportunity. And somehow else, they dont tell you about recoupments. I only had to pay the $125 non-refundable fee and I paid expenses for my insurance licensing like everyone else. You do your own marketing. The fundamental flaw is that there is no end benefit; the money simply travels up the chain, and only the originator (or at best a very few) wins in swindling his followers. << /Kids [8 0 R 9 0 R 10 0 R] The people who recruited you most likely will guide you and train you. How much does that matter? Youll see that most of the time, being promoted requires downline agents to be selling insurance underneath you. My goal was to provide clarity and transparency on how the company works and what circumstances you need to be aware of. Be good. >> You pay one time $100 to join and you have access to their seminars and education workshop (not all office offer - please check) . I just hope people wont fall victim for all this fake MLM site. This is a flat out lie. The promises of MLM to people for financial breakthrough is a mirage. /Type /Pages endobj An underwriter is someone who is specially trained to assess your application and determine what risk, if any, may exist. I personally saw a best friend of mine earned her commissions in 3 weeks. Even now, at historically low yields of around 2%, the dividend still accounts for one-fifth of the market return. The flexible work schedule is greatly appreciated. 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