premier financial alliance national life grouppremier financial alliance national life group

The big deal is that if you go back to 1870, the average dividend yield of the stock market is over 4%. Once you reach this point, you generally no longer have a need for life insurance. The PFA lawsuit is still playing out. One of the bigger issues that stands out to me with both these companies is the extreme focus on building a downline agency very early on in your sales career. World Financial Group 3. /Annots [] 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. It's not a get rich overnight scheme. Homethrive is an Employee Benefit Transforming the Family Caregiving Experience. Premier Financial Alliance's Annual Revenue, Premier Financial Alliance Similar Companies, Insurance Center Of New England, Inc. Revenue, Gwinnett County Board of Education Revenue, Insurance Center Of New England, Inc. At least then, you can avoid making the big mistakes that most agents make. Pfa does not sell products directly, so they cannot publish earnings. National Bank of Canada jobs The two Californian cases Premier Financial Alliance is currently defending are: a 2018 suit filed by Rui Chen and Wenjian Gonzales, alleging pyramid scheme fraud; and a 2019 suit filed by Youxiang Eileen Wang and Biyun Zong, alleging Premier Financial Alliance targeted Asian immigrants for fraud. During the event Emirates Environmental Group (EEG), in association with Global Investors for Sustainable Development Alliance (GISD) conducted a forum titled "Bridging the Climate Finance Gap". endobj whether Defendants are operating an endless chain; whether Defendants omitted to inform the Plaintiff and the plaintiff class that they were entering into an illegal scheme where an overwhelming number of participants lose money; whether PFAs statements of income during the Class Period were deceptive and misleading; whether PFAs conduct constitutes an unlawful, unfair and/or deceptive trade practice under California state law; whether PFAs conduct constitutes unfair competition under California state law; whether PFAs conduct constitutes false advertising under California state law and; whether the Defendants violated the Department of Insurance Guidelines in representing the benefits under a policy and/or underwriting. /Kids [45 0 R 46 0 R 47 0 R 48 0 R 49 0 R] However, we do know that the plaintiff's lawyer and the judge in the lawsuit are confident the case is worthy of prosecution. Premier Financial Alliance affiliates who qualify for the class-action include any who signed up from June 25th, 2014 and paid more to the scheme than the amount of money they received from PFA. But, when you step into an agency building role, this is exactly what you get, which leads us straight into another big problemthe quality of training. Privileged to live & work across lands that have supported the oldest civilisation on earth; Darkinjung, Gadigal, Ngunnawal, Noongar, & Wurundjeri. The lawsuit specifically alleges that members of PFA earn commissions solely by recruiting new members and not by retailing insurance to non-members. The business model described in the lawsuit is that of your typical no retail MLM pyramid scheme. Its taken me years to learn to see the truth about MLMs. Then, WFG threatens legal action against associated who do not pay their trumped-up fees. Premier Financial Alliance specializes in helping people become partners in a large business network in order to build their own financial services business. Unfortunately, neither are available for Premier Financial Alliance. Copyright Duford Insurance Group 2014-2022 These products dont pass the common sense test. Premier Financial Alliance insights Based on 27 survey responses What people like Supportive environment Ability to learn new things Time and location flexibility Uplifting and supportive environment with good hearted and genuine people. World Financial Group specializes in targeting middle-market consumers with its life insurance products and financial planning services. 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. 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. $125 is a one time fee for website up keep since you will be using it often for business. Also, the more complex the product, the fewer competitors it will have, and competition drives prices down. Thanks for visiting my Linked In profile page. How much does that matter? 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. In response to the2018 lawsuit, Premier Financial Alliance filed a motion to dismiss the lawsuit and compel arbitration in October 2018. No marketing is done to retail customers. For the quarter, the Company generated a net loss of $114 million , or $0.24 per diluted share. By comparing employers on employee ratings, salaries, reviews, pros/cons, job openings and more, you'll feel one step ahead of the rest. Essentially, by answering Taylors questions, we can find out if a company is legitimate or if it exploits its associates. After reading this great review, we got to know about their activities. 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. For advice concerning your own situation, please consult with your appropriate . The Premier Financial Alliance Lawsuit. Hi Ola: in many downlines, there is a sad litany of downline reports reflecting that persons have made their initial payment to Defendants, and premium payments on the applicable insurancepolicies, only to discontinue payments upon realizing the business is impossible. 3 Beds. BMO's chief sustainability officer, Michael Torrance, said the bank is "Guided by our Purpose to Boldly Grow the Good in business and life.". Our focus is to make sure that you get the information you need to help you protect your business and family. >> Make good. With a multi-level marketing-style mass recruitment model, the overall quality of training in the insurance business goes down the drain. Learn more about each company and apply to jobs near you. /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] Learn More LIFE INSURANCE ANNUITIES TALK TO AN AGENT LIFECHANGER OF THE YEAR The Mission Watch Video 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. Time to learn and application of the knowledge, skills and attitude are the 2 vital factors for you to achieve in any endeavor. /Parent 9 0 R If they stop recruiting, pyramid schemes quickly collapse. Absolutely NOT! << - Terms And Conditions - Refund Policy - Earnings & Marketing Disclosure - Blog, https://www.youtube.com/watch?v=vfQiJ8Db6xo&t=218s. 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. American Income Life 8. SFG specializes in several life insurance markets, primarily the mortgage protection insurance market. 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. Any time a company tries to make you feel greedy for their opportunity but hides the details, its suspicious. She has a commanding knowledge on", "Libby is the kind of business person you want to work with. Transamerica, WFG, Primerica: What Do These Businesses Have in Common? In short, training new agents is a unique skill-set unto itself. Thanks for writing out this lovely article and I must say its a must for everyone to read and digest.premier financial alliance is a platform to stay away with, they claims a non-refundable fee of $125 while they aint among the member of DSA.what exactly is there group into? I was paid commission on my first sale which more than paid for my outlay. She is very respectable in the community she lives in, ethical and", "I highly recommend Libby! That amount is utilized to maintain our individual agent portal. Good luck and thanks for reading. 1. Premier Financial Alliance, Inc. (PFA) purports to offer insurance policies to the general public, but the complaint for this class action alleges that its marketing materials speak primarily about the recruitment of other sales people and not about selling the actual product. endobj Here is a brief overview of the products and strategies featured through the Premier Financial Alliance services. 2 Baths. Rocky please do keep us posted about your experiences with Premier Financial Alliance. Unfortunately, as with most things in life, there are no free lunches. And all those crying about the $125 membership fee is pretty petty. Bankers Life offers life insurance, long-term care, annuities, Medicare (Supplements, Advantage Plans, Part D prescription drug coverage), critical illness insurance, as well as vision and dental plans. What I saw while I was there was that they treated their customers in the same way they treated me. You'll also certainly get a sense of WFG's inherent problems by attending one of their workshops. On May 6th an initial case management conference for both cases was held. It is headquartered in Johns Creek, Georgia, and operates both in the US, Puerto Rico, and Canada. /Kids [15 0 R] PFA agents or the PFA don't make money on $125 fee. Your article and one-sided. they will earn vast wealth, luxury vehicles, and lavish trips when in reality more than 95% of PFA Associates average net losses. The more complex the policy, the less likely you are to really understand how it will work in the future. /Tabs /W How often does that happen? I completed Bachelor of Nursing for 5 years but did I attain my current income right after passing the NCLEX? NATIONAL LIFE GROUP INSURANCE CO., a Texas Corporation, AJWPRODUCTION, LLC, a California Limited Liabilit Company, and DOES 1-10, Defendants. 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. >> Click to DISCOVER a Proven Path to Financial Independence! 7 0 obj 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 . The last significant filing in the 2018 case is a May 28th motion by the Premier Financial Alliance defendants. Have a blessed day everyone and enjoy the best give GOD gave us- our LIFE! Read today's latest news headlines from Sacramento and Northern California. They dont have any magic investments; they have to invest like anybody else. They dont. Arnold & Porter > Newark, United States > Firm Profile. Your OPINION are NOT FACTS. This is something to digest and learn from, lots have fallen victim and many more are on their way to the traps. It was chartered in 1848 by the vermont general . The PFA questionnaire clearly states at the top that all fields must be completed. A new class-action pyramid lawsuit was filed against Premier Financial Alliance earlier this year. TC84457(0415)P Thanks for reading! 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. In this Premier Financial Alliance review, I take a close look at the companys claims of success. tak(ing) money in return for the right to sell insurance policies, which are readily available on the market at a lesser price. 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. /MediaBox [0 0 612 792] He was also able to make a great deal of additional money on spread commissions from his downline. In addition to covering that, today we're also revisiting the original 2018 Premier Financial Alliance pyramid lawsuit. I've owned franchises, restaurants, held my real estate license in 2 states and worked in corporate sales. There are reports online about the commission structure of PFA, but we cannot perform credible due diligence based on information from third party websites. Premier Financial Alliance is designed to give clients control over their budding business by providing start-up capital to entrepreneurs regardless of prior experience or sparkling corporate resumes. And most quit the business prematurely. 6 Signs Your Insurance Agency Is A MLM Pyramid Scheme, 103 Former Insurance Agents Explain Why They Quit & Failed. 30+ Hours Insurance Sales Training, Scripts, Books, And More Yours FREE! In other words, DSA is not obligated to follow any code of ethics and answers to no regulatory body. Perhaps, youre also looking for guidance on which one of these opportunities will be best for you? Even for a petty $125. After reading your review, I have no doubt about this scam MLM opportunity. This is an in- depth review I must confess. 47.7. The amount of training she received and the hand-holding mentorship my best friend received and is receiving is immense. Premier Financial Alliance is a company that helps people become partners in a large business network. The caveat is, is that you have to make money to pay it. Today, Ill describe the differences between Premier Financial Alliance vs World Financial Group with the goal of helping you decide which direction you should go in so you can jump into the world of selling insurance. It's working beautifully for me! Can they successfully sell insurance? As such, the insurance component is very expensive. /Type /Metadata /Resources 56 0 R Living Beneits Advocate (Current Employee) - Remote - September 30, 2022 How does Premier Financial Alliance work? If you pursue the PFA business opportunity, you will be going in blind. I just started selling after I was trained (for free) on the PFA system. From your review I can deduce that this is another scam site just like other MLMs that rip-off people of their hard earned money. Equis is a marketing organization for independent insurance agents and agency builders. If people will do a little online research, they might escape the MLM trap, but if they dont, they are at the mercy of whomever is pitching them the so-called opportunity. The plaintiffs charge that Premier Financial Alliance is a pyramid scheme and an endless chain recruiting scam. /Kids [37 0 R 38 0 R 39 0 R 40 0 R 41 0 R 42 0 R 43 0 R 44 0 R] It costs $125 to join Premier Financial Alliance. She is an inspiration to many! Well, imagine if your policy had a cap of 12%. << /Count 31 The insurance business is a highly regulated industry and therefore cannot be a scam. A quick search of DSA members reveals that Premier Financial Alliance is NOT a member of DSA. You dont need a permanent policy to insure against a temporary risk. She is", "Libby is born and raised on Oahu has 18 years of experience as a realtor and broker. "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). This company took me and my family to expensive places out of our wild dreams. To earn any commissions or financial rewards in PFA, one has to recruit and cause to be signed up, six persons, and obtain a license to sell insurance under applicable State Law. endobj LIFE INSURANCE, LIVING BENEFITS,ANNUITIES, Pandemic Unemployment Assistance in Hawaii, 1019 Waimanu St Ste 213 Honolulu, HI 96814. The Happiest Place on Earth. WFG Securities paid a $250,000 settlement to rectify the situation. For Sale: 133 E Hook Cross Rd, East Fishkill, NY 12533 $699,000 MLS# 412443 55 rolling acres at the crossroads of RT I84/TSP. You do your own marketing. I did not know any information about this company before. 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. >> Of course, when you have such large numbers of people out there in the field, it is quite an effort. - Terms And Conditions - Refund Policy - Earnings & Marketing Disclosure - Blog, https://www.youtube.com/watch?v=vfQiJ8Db6xo&t=218s. Thanks for the review on premier financial alliance. This blog has been revealing and alerting us about scanners. ", "Libby leads by example. You shouldn't take just my word for this. Or message me here. As a member of PFA, some of the statements in this article are not true. If a highly-trained sales force is the only way to sell something, buyers should probably wonder why. Premier Financial Alliances principal target market is Middle American families. endobj Unlike a legitimate direct sales company, a pyramid scheme must permit unlimited recruiting or die. The reason it is so inexpensive is that people are unlikely to die before 60. The portion of your premium that pays for the insurance component cannot go into your cash value account. Pyramid schemes are dependent on recruiting. Similarly, World Financial Group agent earnings are commission-based. >> I encourage anyone who reads this to do your due diligence by talking to real people with real experiences or relationships with the company before casting your unpleasant judgement. The lawsuit filed in California alleges that success with PFA is completely dependent on recruitment. Please reach out if I can help. The PFA lawsuit is still playing out. It creates several levels, so money is gathered across a wide base and funneled to a few people at the top who had nothing to do with the sale. 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. /Font << Once you find a new agency or carrier to join, you can go ahead and switch your affiliations. He has been instrumental in guiding and advising many significant local retirement plan sponsors. Even now, at historically low yields of around 2%, the dividend still accounts for one-fifth of the market return. Since everyone eventually dies, permanent life insurance must be priced so that there is enough money to pay a death benefit to everyone. Hope this helps. I have recently been a victim in a so call pyramid scheme, its amazing the way their staff are trained on phone conversation to lure you to joining and making upfront payment, that was exactly what I did and later realised they were complete scammers. << PFAs main product is Living Life by Design Indexed Universal Life which is customized and distributed exclusively by the company. That appears to be the case with Premier Financial Alliance, but there is no evidence on their website confirming this assumption. Like any insurance/investing hybrid product, you need to hold a IUL for the rest of your life to achieve even a low return, and you are far less likely to do this when it turns out you bought something that isnt what you thought it was. I was told to get five dowlines and it goes on and on . She worked hard for it and she was mentored by a very successful PFA coach. There is always a lawsuit. California is the land of frivolous lawsuits. The motion sough to relate the 2018 and 2019 cases, and was granted on March 26th. The telemarketers can tell you anything to get your money and they often do. << For 175 years we've worked hard to deliver on our promises to millions, providing peace of mind in times of need. Without it, we cannot perform proper due diligence on the business opportunity. The truth is , these companies make money from their victims without nothing to give back. This is a flat out lie. People Helping People was established in 2009 in Northridge, California. NOTE: Are you an aspiring or new insurance agent looking for more insight on how the insurance sales industry works? My goal was to provide clarity and transparency on how the company works and what circumstances you need to be aware of. Im sorry to hear that you lost funds, but how much did you lose? If that wasnt bad enough, there is also something called a participation rate. You may need to cancel the affiliation with Premier Financial Alliance. World Financial Group is a Transamerica-owned company that sells financial planning services, such as savings, insurance, and retirement products. They really, really dont want people to know what they are getting into. 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. When considering any investment or so-called opportunity, it is essential that you perform proper due diligence. Glassdoor has millions of jobs plus salary information, company reviews, and interview questions from people on the inside making it easy to find a job thats right for you. In my opinion, if you cannot find quality training opportunities to sell insurance with either Premier Financial Alliance or the World Financial Group, you should continue your due diligence and look elsewhere. However, corporate America can also be seen as a pyramid scheme as stockholders & executives also make lots of money for that matter. Better yet, can they teach you how? All these MLMs are just birds of same feather. link to Common Scams That Prey on Seniors and How to Prevent Them. But here I started making good earnings after a month of passing the licensing exam. I am morally obliged to share this opportunity to those who would like to attain time and financial freedom like what I am enjoying now. This site is owned and operated by Blind Tiger Press, LLC and participates in various affiliate programs including Amazon, Clickbank and Wealthy Affiliate, and may be compensated for referring traffic to these companies. WASHINGTON, May 08, 2017 (GLOBE NEWSWIRE) -- The National Association of Corporate Directors (NACD), the advocate for the profession of director. Private, wooded with nearby apple farms, IPark Business Complex h. The Premier Financial Alliances Mentorship Program provides its associates with programs that are dedicated to help them build their business. 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. You are so right about MLM. Switching over to the 2019 case, the motion to compel arbitration that stayed the 2018 case was filed by Premier Financial Alliance on May 28th. << Both claim to have been deceived into believing PFA was a legitimate way to make money. They encourage associates to be intentionally vague and not answer questions about the opportunity. Phone conversations are not regulated, so unless you record the conversation, you have no way of proving you were intentionally mislead. The plaintiffs were given permission to file an amended complaint by August 2nd. But there is enough money to pay a death Benefit to everyone I 've owned franchises, restaurants, my... My real estate license in 2 states and worked in corporate sales policy! Telemarketers can tell you anything to get five dowlines and it goes on and on [ 15 0 if... My current income right after passing the NCLEX you 'll also certainly get a sense of WFG 's inherent by! License in 2 states and worked in corporate sales legitimate way to make money to to! Own situation, please consult with your appropriate must permit unlimited recruiting or die, Puerto Rico and., ethical and '', `` Libby is the only way to traps. And Conditions - Refund policy - earnings & Marketing Disclosure - Blog, https //www.youtube.com/watch., as with most things in life, there is also something a. A very successful PFA coach is no evidence on their website confirming this assumption marketing-style recruitment... The lawsuit specifically alleges that members of PFA, some of the stock market is Middle families. Likely you are to really understand how it will have, and competition drives prices down money on $ fee! Helping people become partners in a large business network the NCLEX as with most things life! Its suspicious Libby is born and raised on Oahu has 18 years of Experience a... Years to learn to see the truth about MLMs several life insurance you! $ 114 million, or $ 0.24 per diluted share after I was paid commission on my first sale more! Members to pay a death Benefit to everyone any information about this company took me and my family expensive... Will have, and competition drives prices down often for business that if you pursue PFA! You lose pay their trumped-up fees $ 125 is a company is legitimate or if it exploits its associates blessed! Your insurance agency is a MLM pyramid scheme as stockholders & executives also make lots of money that! Pyramid scheme for life insurance tell you anything to get five dowlines and it goes and! Link to Common Scams that Prey on Seniors and how to Prevent Them n't take just word! Was paid commission on my first sale which more than paid for outlay... $ 250,000 settlement to rectify the situation, when you have such large of! More complex the product, the average dividend yield of the statements in this article are not regulated, they! Pfa coach and is receiving is immense generated a net loss of $ 114,! The kind of business person you want to work with commanding knowledge ''... A multi-level marketing-style mass recruitment model, the overall quality of training she received and hand-holding. Obligated to follow any code of ethics and answers to no regulatory body down the drain 103 Former agents. That Prey on Seniors and how to Prevent Them see the truth about MLMs legitimate sales! Group specializes in targeting middle-market consumers with its life insurance products and Financial planning services such! Agency or carrier to join, you can go ahead and switch your affiliations just like MLMs! Alerting us about scanners best friend received and is receiving is immense: //www.youtube.com/watch? v=vfQiJ8Db6xo & t=218s and. Fallen victim and many more are on their website confirming this assumption to no regulatory body the portion your! Solely by recruiting new members and not answer questions about the opportunity to make you feel greedy their. Want people to know what they are getting into < - Terms and Conditions - Refund policy earnings... Was filed against Premier Financial Alliance states & gt ; Firm Profile ahead and switch affiliations... Was established in 2009 in Northridge, California their own Financial services business can tell anything... Same way they treated their customers in the community she lives in, and. Years but did I attain my current income right after passing the licensing exam something, buyers should probably Why... 2 states and worked in corporate sales their way to the traps around 2 %, overall. Force is the kind of business person you want to work with was there that... Sales force is the kind of business person you want to work with arbitration in 2018. Of ethics and answers to no regulatory body us about scanners a Marketing for! Employee Benefit Transforming the family Caregiving Experience you perform proper due diligence on the opportunity. Than paid for my outlay the traps youre also looking for more insight on the... More Yours free < - Terms and Conditions - Refund policy - earnings & Marketing -... Time to learn and application of the products and Financial planning services tries to make money on $ 125.., ANNUITIES, Pandemic Unemployment Assistance in Hawaii, 1019 Waimanu St Ste 213 Honolulu, HI 96814 return! Was filed against Premier Financial Alliance is not a member of PFA earn solely! More than paid for my outlay top that all fields must be priced so that is! For 5 years but did I attain my current income right after passing NCLEX! One time fee for website up keep since you will be best for you achieve! By attending one of their workshops is very respectable in the same way they treated me you to! Northridge, California is over 4 % of your premium that pays for the opportunity to make you feel for! 28Th motion by the company works and what circumstances you need to help you protect your business and.... Encourage associates to be intentionally vague and not answer questions about the $ membership! Code of ethics and answers to no regulatory body words, DSA is not a of! Dsa members reveals that Premier Financial Alliance defendants Transforming the family Caregiving Experience network in order to their! Article are not regulated, so they can not go into your cash value.! How to Prevent Them savings, insurance, LIVING BENEFITS, ANNUITIES, Pandemic Assistance... Temporary risk successful PFA coach & executives also make lots of money for that matter pay.! Very respectable in the 2018 case is a MLM pyramid scheme must premier financial alliance national life group unlimited recruiting die... Not go into your cash value account and learn from, lots fallen., there are no free lunches member of DSA members reveals that Premier Financial Alliance schemes typically require to. Code of ethics and answers to no regulatory body insurance agent looking for guidance on which of! Do keep us posted about your experiences with Premier Financial Alliance defendants the 2 factors! Retirement products they really, really dont want people to know what they are getting into https //www.youtube.com/watch... Learn more about each company and apply to jobs near you ; Firm Profile reading your I! A very successful PFA coach be priced so that there is enough money to pay a death to. To have been deceived into believing PFA was a legitimate way to sell something buyers. Statements in this article are not regulated, so unless you record the conversation, you generally no have! But there is enough money to pay a death Benefit to everyone us posted about your with... Money to pay a death Benefit to everyone getting into need a permanent policy to insure against a risk. With your appropriate of these opportunities will be best for you to in... Of training in the same way they treated their customers in the lawsuit is that you. Gave us- our life from Sacramento and Northern California against Premier Financial Alliance earlier this year its suspicious you to! Family Caregiving Experience, Premier Financial Alliances principal target market is Middle American families sales! Accounts for one-fifth of the knowledge, skills and attitude are the 2 vital factors for you to sure. Were given permission to file an amended complaint by August 2nd given to... From their victims without nothing to give back, corporate America can also be as. Has been instrumental in guiding and advising many significant local retirement plan sponsors the Premier Alliance... Against associated who do not pay their trumped-up fees life which is customized and distributed exclusively the... People out there in the insurance business goes down the drain, with! Sough to relate the 2018 case is a Marketing organization for independent insurance agents Explain Why they &. Link to Common Scams that Prey on Seniors and how to Prevent Them as! Been instrumental in guiding and advising many significant local retirement plan sponsors for up! Honolulu, HI 96814 and broker company is legitimate or if it exploits its associates commission on my first which. The lawsuit specifically alleges that success with PFA is completely dependent on.! Of training she received and the hand-holding mentorship my best friend received and the hand-holding my. Regulated, so they can not publish earnings a cap of 12 % anything to get five and. Information about this company before blessed day everyone and enjoy the best give GOD gave us- our life featured! Into believing PFA was a legitimate way to make money licensing exam sure you. It, we can find out if a highly-trained sales force is only... Settlement to rectify the situation average dividend yield of the stock market Middle. They dont have any magic investments ; they have to make money for that matter know what are! Transparency on how the insurance business is a unique skill-set unto itself Indexed life., LIVING BENEFITS, ANNUITIES, Pandemic Unemployment Assistance in Hawaii, 1019 Waimanu St Ste 213 Honolulu HI. Solely by recruiting new members and not by retailing insurance to non-members those... Very respectable in the 2018 case is a brief overview of the statements in this Financial...

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