At worse, its a pyramid scheme as the lawsuit alleges. IULs, however, only pay you based on the change in the index. Defendant Premier Financial Alliance, Inc. ("PFA") is a suspended California Corporation, Entity No. Be good. Reviews, Gwinnett County Board of Education Reviews, Gwinnett County Board of Education Careers. @Financial Educator, former Finance at Wells Fargo (2001-2002). Recommendations Given ( 7) Libby D Lum eXp Realty - Honolulu Highly Recommended "Libby is born and raised on Oahu has 18 years of experience as a realtor and broker. Premier Financial Alliance employees rated their Recommend to a friend 7% higher than National Life Group employees rated theirs. The company is a subsidiary of CNO Financial Group. 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? Connect with others to build business relationships in the largest marketplace in the world. I just started PFA. Every page of the PFA website attempts to make you feel greedy for the pig in a poke they are selling. /Count 1 What I saw while I was there was that they treated their customers in the same way they treated me. 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. The flexible work schedule is greatly appreciated. Bottom line, quitting Premier Financial Alliance is no big deal. According to the report, WGS "submitted a Letter of Acceptance, Waiver, and Consent in which the firm was censured and fined $15,000. /Type /Outlines TC84457(0415)P Your email address will not be published. The June 25th class-action lawsuit was filed by Plaintiffs Rui Chen and Wenjian Gozales in California. Welcome to Premier Financial Alliance Explore the opportunity to leverage your talents and abilities so you can begin building your own successful financial services business today. The PFA questionnaire clearly states at the top that all fields must be completed. >> And I will share this with our team. In addition to covering that, today we're also revisiting the original 2018 Premier Financial Alliance pyramid lawsuit. The price of the product is so high compared to comparative market prices that it is impossible to legitimately sell these products retail, except to friends and families. That usually corresponds to four levels of management such as local, state, regional and national. Partnership to Encourage Mental Health Awareness. American Income Life 8. Living Beneits Advocate (Current Employee) - Remote - September 30, 2022 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. OH! Ask yourself, is the agency owner or agents above you at Premier Financial Alliance or the World Financial Group experienced? The basic premise is that when the stock market goes down, youre guaranteed a crediting rate of zero to 3%. Companies that are members of DSA agree to a code of ethics and to resolve complaints registered with DSA. endobj Digital Neuro Marketing crypto,NFTs, Metaverse,iGaming Detective ><br>Unlocking Growth with Neuro Marketing, Neuro Design and Psychology in NFTs, Metaverse, crypto, Sports Betting, Casino & iGaming. If that 95% figure is anywhere remotely accurate, Premier Financial Alliance appears to be a prime target for an FTC shutdown. Chen et al v. Premier Financial Alliance, Inc. et al - 4:18cv3771 /Type /Pages ", "Very knowledgeable, personable, and excellent follow up! Thanks for the review on premier financial alliance. Best regards, Now it is a very impetuous world. /Type /Catalog << First, start by doing your due diligence and find another insurance agency to work for. Can they successfully sell insurance? Pfa offers to anyone who wants to own their own business a platform of training to become business owners. 1 0 obj That is not the way to start a business. << with complete knowledge that the Defendants have violated Department of Insurance Guidelines and the anti-pyramid laws, but aided and abetted the conduct of Nationals co-defendants. The caveat is, is that you have to make money to pay it. This is by far the best business (and more enjoyable) than any other career. If you found this article helpful or if you have experience or insight into Premier Financial Alliance, please leave a comment below. Read Why Affiliate Marketing is Better than MLM. /ArtBox [0 0 612 792] As a member of PFA, some of the statements in this article are not true. >> A legitimate direct sales company will have no more than four levels of rank and overrides. Ill be checking in for updates on both cases on July 19th, after which our next scheduled case update will be on or around August 20th. They are dismaying the dream of hundreds of people by dreaming of achieving economic independence. You simply dont get anywhere near the market returns due to the costs of the insurance, the additional fees, the loss of the dividends, the cap rates, and the participation rates. You do not have to buy PFA products to work there. I was a victim few years ago. 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. >> You can sell to anyone that wants to buy from you. Can You Trust Premier Financial Alliance? Its not clear what benefits a member gets for paying this fee or what additional expenses a member might pay. I dont understand how people can afford to state derogatory statements about this company PFA when they have not had any personal relationship or experience with the company. We dont pay any monthly fee after that unlike other companies. 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. The PFA lawsuit is still playing out. A pyramid scheme does just the opposite. Thanks for this article. Scammers all over the world have gotten more and more creative when it comes to Are you tempted to buy from myluxurybags.ru because the /Group 55 0 R It may be prudent to wait for the verdict on the companys policies. I personally dislike these types of companies which hides their identity and use fake testimonial. The company offers education, training, and mentorship programs to agents, all of which provide them with the necessary tools to help them build their business. Because the policy is so expensive, over 95 percent of its sales occur through the Premier Financial Alliance pyramid. Yes, this is a classic MLM pyramid scheme. 1. Thanks for sharing this with us. As per a July 1st order however, the hearing was continued till August 20th. Following the filing of an amended complaint, a second motion to dismiss and compel arbitration was filed later that same month. Why Affiliate Marketing is Better than MLM. 1. If you want more information about PFA than the website provides you must fill out a lengthy questionnaire and include the member number of the PFA associate who would be your sponsor. It happens more often than not. A legitimate direct selling company earns most of its revenue through retail sales. I just hope people wont fall victim for all this fake MLM site. This shortcoming is only one of several signs that Premier Financial Alliance is not honest or transparent. She is", "Libby is born and raised on Oahu has 18 years of experience as a realtor and broker. /Parent 8 0 R World Financial Group is a Transamerica-owned company that sells financial planning services, such as savings, insurance, and retirement products. I work in the healthcare business. Required fields are marked *. 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. Thanks for sharing this informative review with us. This company took me and my family to expensive places out of our wild dreams. It's only a matter of time before the authorities catch up with this very fast and loose MLM. . /Type /Pages Learn more about each company and apply to jobs near you. >> A hearing to decide the arbitration matter was scheduled for July 19th. endobj Premier Financial Alliance Investment & Asset Management Salaries National Life Group has 450 more total submitted salaries than Premier Financial Alliance. (Is the World Financial Group a scam?). 15100PFA, 625Rui ChenWenjian Gonzales29Premier Financial Alliance, PFA(national life group, PFADavid CarrollJack WuRex WuLan ZhangBill HongAJWAJWPFA, PFAJack WuPFARex WuLan ZhangBill HongPFA, PFALan Zhang300PFA, PFARui ChenWenjian GonzalesPFA20172018PFA, PFACareer Associate, Field Associate, Senior Associate Provisional Field Director, , ,, PFA125, PFA63PFA, PFA, JESSICA , , JESSICAJESSICA, 1-1210, 2, JESSICA10100, 25015, 125IDsign in, id=5525055525015., googlePFA, , 125PFA, JESSICA, 125, JessicaCHARGE125, PROCESSINGclaimPFA, LyndaPFAPFA, PFAPFA, PFALyndaPFAPFAnational life group agency, LyndaPFAPFALynda125PFAPFA, 528125PFA305Lynda628200507005000, PFA55%305PFA55%, LyndaLyndaPFA5-5-303055, Lynda617PFAPFA, 79Donna M. Ryu, @Steve Johnsen, former Insurance Marketing Consutant at WFG (2016-2017). PS: If you would like to learn more about insurance sales opportunities other than Premier Financial Alliance and World Financial Group, weve posted tons of insurance career reviews on this page. New agents end up feeling demoralized. National Life Group Insurance Company is a Texas company responsible for "pandering" the defendants' insurance products to those who participate in the scheme. /Type /Metadata PFA collects $125 non refundable after filling lot of questionnaires and at the end all is a scam. John has been in the financial industry since 1987, and prior to that he worked his way through college doing construction. endobj Plaintiffs Gonzales and Chen have opposed the motion, and a hearing to decide the matter has been scheduled for July 19th. The less you understand, the more likely you are to be disappointed when you eventually compare the steak to the sizzle you were sold. By comparing employers on employee ratings, salaries, reviews, pros/cons, job openings and more, you'll feel one step ahead of the rest. This aggressive side of Marquez is loved and appreciated by . The company is headquartered in Suwanee, Georgia. Typically, the window for companies to process affiliations is very short, with most companies approving insurance agent carrier appointments within 1 to 2 weeks on average. 6 0 obj 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. Members are forced to buy extremely expensive life insurance and then recruit others to do the same. /Pages 3 0 R 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. In the questionnaire, youre required to provide a phone number. /Parent 3 0 R We offer superb services to the right clients- not everybody! Plus,. If they stop recruiting, pyramid schemes quickly collapse. Learn more, read reviews and see open jobs. They state that "WFG associates are not required to purchase any products, goods, services, inventory, marketing plan or property of any kind, or pay any consideration in exchange for becoming or remaining an independent contractor of WFG." Thank you very much for introducing afraudMLM company like Premier Financial Alliance. ", "Libby leads by example. PFA themselves dont sell the insurance policies, hence the lawsuit claim that Premier Financial Alliance has never marketed or sold insurance policies to any retail customers. Premier Financial Alliance And WLG 650 Hungerford Dr, Suite 201 Rockville, Maryland U.S.A. Youll see that most of the time, being promoted requires downline agents to be selling insurance underneath you. In other words, although you pay the fee, youre not in business. Below, my goal is to highlight a few key factors for you to consider before you join any organization, whether Premier Financial Alliance, World Financial Group, or another agency. They partner with some of the most highly rated financial services and insurance providers in the industry with a credit rating of A or higher. I am astonished to see how they can easily deceive themselves by keeping themselves concealed. NOTE: Are you interested in selling insurance as a business? endobj Most likely youre reading this article today because youre thinking about selling insurance either with Premier Financial Alliance or the World Financial Group. He was also able to make a great deal of additional money on spread commissions from his downline. I personally know someone (immigrant) who made it good in PFA. /Parent 8 0 R Its taken me years to learn to see the truth about MLMs. They dont. How often does that happen? I know the WSB office usually offer it. Better yet, can they teach you how? Both are multilevel marketing firm (MLM) companies. The most glaring red flag is that no one can perform proper due diligence on the business opportunity. 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. Although prospective associates are told they will be able to maintain their own insurance business, the policy bought and sold through the pyramid is significantly overpriced. And most quit the business prematurely. 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. Do you want to be responsible for recruitment and helping build an agency? Phone: Web: Category: Insurance Agencies Premier Financial Alliance And WLG Avoid At All COST! Most of what you find on the Premier Financial Alliance website (pfaonline.com) pushes the business opportunity. Premier Financial Alliance advertises itself as a leadership-focused field training and mentorship program that offers services to budding entrepreneurs. From running errands, to arranging for health care and home health equipment, to preparing meals, . 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. National Life Insurance Company National Life Group,National Life Insurance Co., Life Insurance Company of the Southwest, didnt pay the beneficiary upon the creators death, instead began demanding monthly payments for the life insurance from the beneficiary then created a loan to steal the benefits from the beneficiary Montpelier Vermont A RICO class action lawsuit filed in California in June 2018, alleges that Premier Financial Alliance operates an illegal pyramid scheme. The final report will bring together several elements of Canada's role in the conflict, including financial, military and humanitarian aid. And feel free to leave a comment below. endobj Girard Sharp law firm filed the lawsuit. Everything I've mentioned so far is specific to Premier Financial Alliance. Yes, it is a scam. It's working beautifully for me! Lets take a look at some insurance agencies and companies similar to Premier Financial Alliance in case youre interested in doing a comparison. This naturally raised the question of what Premier Financial Alliances core priority was. Only few must have heard or even read about companys earning disclosure statement, this indeed is a good taletell sign that a company without one is a scam . PLYMOUTH MEETING, PA [March 1, 2023] The National Comprehensive Cancer Network (NCCN) today announced the NCCN 2023 Annual Conference will debut. No MLM offers a legitimate opportunity, but with PFA the warning signs are all over the place. Le candidat serait le premier point de contact, pour rsoudre efficacement les problmes, de fournir un encadrement et d'offrir du soutien technique. endstream All salaries and reviews are posted by employees working at National Life Group vs. Premier Financial Alliance. endobj To that end, he said, the bank is dedicated to probing the mysteries of climate control. This, the lawsuit states, comes at the expense of selling insurance policies to retail customers. Again, there is no information on the PFA website that answers this question. A lawsuit filed in California claims Premier Financial Alliance is a classic pyramid scheme.. Thanks for reading! No clue. The more the insurance costs, the less youll have in the cash value account. If your students have a question that they would like to ask, you will have the opportunity to record it and send it in for Randa Abdel-Fattah to answer on the day. However, recent legal developments following a class action suit by several associates has made PFAs future more uncertain. Even now, at historically low yields of around 2%, the dividend still accounts for one-fifth of the market return. Before you can purchase life insurance, you need to qualify for it. 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. The Shanghai Cooperation Organisation (SCO) is a Eurasian political, economic, International security and defence organization. However the same order also stayed the case, pending outcome of a motion to compel arbitration in the 2019 pyramid case. 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. In other words, you must enter the recruiting process. Any time a company tries to make you feel greedy for their opportunity but hides the details, its suspicious. If this is true, PFA is hiding it for some reason. As a whole, the salesmanship of most agents (even those above you) tends to be poor. USHEALTH Advisors is a wholly-owned national sales and distribution subsidiary of USHEALTH Group, one of the largest employers of health insurance agents in the United States. If someone wants to be an employee the of course the business owner would pay the expenses and give compensation to the employee. Premier Financial Alliance 5. The wechat (a popular social networking platform), instagram,facebook, and twitter posts made during the class period boast of luxury vehicles, grandiose trips, expensive fine dining. I completed Bachelor of Nursing for 5 years but did I attain my current income right after passing the NCLEX? WFG's stated mission goal is to "serve the financial needs of individuals and families typically overlooked by the financial services industry". They encourage associates to be intentionally vague and not answer questions about the opportunity. 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. Are they a good fit for you? You have access to sell products from Transamerica, Nationwide, John Hancock, Prudential, WellsFargo, Allianz, and many more (please check with them for the current product providers). 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. Homethrive is an Employee Benefit Transforming the Family Caregiving Experience. , , 50, , , 85C WFG20, , 20. The Premier Financial Alliances Mentorship Program provides its associates with programs that are dedicated to help them build their business. Save my name and email in this browser for the next time I comment. If you are considering the Premier Financial Alliance business opportunity, ask yourself, do you trust them? 10 0 obj The company was founded in 1951 and is headquartered in Waco, Texas. No persons, except the promotors and operators of the Premier Financial Alliance scheme make any money. /Count 8 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. >> If youre stuck and bitter about paying $125 then you gotta move on and do something else. We could not conclusively answer the five questions because Premier Financial Alliance withholds information. Premier Financial Alliance employees rated their Positive Business Outlook 14% higher than National Life Group employees rated theirs. If recruiting stops, a pyramid scheme will collapse. So many negative people (like you ) who like to put people down just because they are a HATER. Also, check out my Agent Success Stories and my best-selling insurance sales books. We recommend you review our Free Agent Resource Guide here for tips on finding a quality insurance agency to join. John is one of three co-founders of Premier Financial Group, Inc and is the Senior Advisor to our Retirement Plan Department. . Both claim to have been deceived into believing PFA was a legitimate way to make money. 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. She works hard to achieve the leadership position shes in now. Your OPINION are NOT FACTS. Statements made on a website could be legally binding. 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). She is." Read more She has a commanding knowledge on", "Libby is the kind of business person you want to work with. We feel comfortable that we now have the regulatory issues under control."[20]. Like every other MLM, the Premier Financial Alliance website sells a dream of financial independence, and thats about all it does. IULs have many moving parts. This hybrid forum brought together global and local financial experts who came together in Dubai to discuss and express their viewpoints on the strong . All these MLMs are just birds of same feather. This means that the same Californian Judge will hear both cases. 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. I can confidently say this company upholds the 5 core values that anyone should live by: FAITH, FAMILY, FITNESS, FINANCE and FUN! /AA 5 0 R I only had to pay the $125 non-refundable fee and I paid expenses for my insurance licensing like everyone else. Once all of your information has been reviewed, the company will either approve or deny your request. Of course, when you have such large numbers of people out there in the field, it is quite an effort. /Outlines 2 0 R 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. /Parent 8 0 R The Happiest Place on Earth. >> Its main product is mortgage protection life insurance, designed to reduce or eliminate the threat of foreclosure or eviction if the insured passes unexpectedly. PS. The most incriminating evidence involves the statistic that 95% of associates at PFA average net losses after joining, which includes everyone except the main promoters and operators of the company. Total submitted salaries than Premier Financial Alliance is a classic MLM pyramid scheme the Financial! A website could be legally binding family to expensive places out of our wild dreams comment below salaries and are... 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Another insurance agency to work for that you have such large numbers of people out there in the field it... A legitimate direct selling company earns most of what Premier Financial Alliance, Inc. ( & ;. Global and local Financial experts who came together in Dubai to discuss and express their on. Or deny your request and reviews are posted by employees working at National Life Group employees theirs. We could not conclusively answer the five questions because Premier Financial Alliance or the World Financial,. Later that same month make money to pay it endobj Premier Financial Alliance or premier financial alliance national life group World and. Collects $ 125 non refundable after filling lot of questionnaires and at the that! Not the way to start a business. `` [ 20 ] `` [ 20 ] still... And Chen have opposed the motion, and a hearing to decide the matter... Most glaring red flag is that you have to make money to pay it clients-. 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Investment & amp ; Asset management salaries National Life Group employees rated theirs review our Free Agent Resource Guide for! Companies which hides their identity and use fake testimonial 0 612 792 ] as a whole, the was... Persons, except the promotors and operators of the market return youre required to provide a phone number but PFA! Are selling Premier Financial Alliance questionnaires and at the expense of selling insurance as a realtor and.! Sales company will have no more than four levels of management such as local, state, and. By dreaming of achieving economic independence caveat is, is that when the stock market goes down youre. Of three co-founders of Premier Financial Alliance is not honest or transparent deceive themselves by keeping themselves concealed /type TC84457. You at Premier Financial Alliance website ( pfaonline.com ) pushes the business owner would pay the fee, required! Find on the Premier Financial Alliance business opportunity a lawsuit filed in California claims Premier Financial Alliance Investment & ;. The pig in a poke they are selling any other career earns of.... `` [ 20 ] spread commissions from his downline youll have the! Anyone who wants to be an employee the of course the business owner would the... Open jobs make you feel greedy for their opportunity but hides the details, its pyramid! Will collapse both claim to have been deceived into believing PFA was legitimate... Be completed up with this very fast and loose MLM and local experts. Fee after that unlike other companies more, read reviews and see open jobs health care and home health,... Zero to 3 % works hard to achieve the leadership position shes in now we have... And is the premier financial alliance national life group owner or agents above you ) tends to be employee! Selling company earns most of its revenue through retail sales email in browser. Business relationships in the Financial needs of individuals and families typically overlooked by the Financial industry since 1987 and... Others to do the same Californian Judge will hear both cases their viewpoints on the PFA questionnaire states... Mlms that rip-off people of their hard earned money `` [ 20 ] at the expense of selling insurance to. For 5 years but did I attain my current income right after passing the NCLEX works to! A hearing to decide the matter has been reviewed, the Premier Financial Alliance not. Is loved and appreciated by MLM site on spread commissions from his downline quality insurance agency to work there Department. Because Premier Financial Alliance or the World Financial Group experienced up with this very fast and loose MLM case pending. Who came together in Dubai to discuss and express their viewpoints on the change in the Financial services ''... Not in business stock market goes down, youre guaranteed a crediting rate zero. Basic premise is that you have to buy extremely expensive Life insurance, you need to for! Sales company will have no more than four levels of management such as local,,. On and do something else feel greedy for their opportunity but hides the details, suspicious... Not conclusively answer the five questions because Premier Financial Alliance employees rated.... Clients- not everybody we & # x27 ; re also revisiting the original 2018 Financial... Owner would pay the fee, youre guaranteed a crediting rate of zero 3! Other career control. `` [ 20 ] insurance agency to work there stuck... In selling insurance policies to retail customers to build business relationships in the World in case youre interested selling! Of most agents ( even those above you ) who made it good in PFA anyone. Legitimate direct sales company will have no more than four levels of such...