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  1. #1
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    Family Heritage Life Insurance

    wondering if anyone has had any "unpleasant" experiences with this parent company and/or its captive agencies.

  2. 02-17-2007, 07:29 AM

    Reason
    16 POSTS ABOUT THE SAME DAMNED THING IS CONSIDERED SPAM HERE

  3. #2
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    Re: Family Heritage Life Insurance

    I'm getting pretty good at reading through these things. Family Heritage is connected in my e-mail solicitation with Legacy Services. It seems to me that they are still trying to decide which scam works best. They do know how to create a decent looking website and offer positions in Sales. Organizations that large ought to have more than Sales positions open.

    They are not to be trusted. Here's what the BBB had to say about Legacy Services http://search.buffalo.bbb.org/codbrep.html?ID=17000882

  4. #3
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    Re: Family Heritage Life Insurance

    Quote Originally Posted by Watching2
    I'm getting pretty good at reading through these things. Family Heritage is connected in my e-mail solicitation with Legacy Services. It seems to me that they are still trying to decide which scam works best. They do know how to create a decent looking website and offer positions in Sales. Organizations that large ought to have more than Sales positions open.

    They are not to be trusted.
    Just want to be sure I understand you correctly. You are saying that you get solicitations for sales positions from Legacy via email? Legacy is one of about a dozen or so "captive agencies" that offer insurance "products" (wierd to me how they actually state it this way in their job listings - sounds exactly what defines an MLM structure) as a representative of Family Heritage. You might take a moment and read through the two "American Income Life..." threads as that organization conducts business in the identical manner Family Heritage does. This is a "door-to-door" insurance sales position that completely monopolizes the "independent agent's" time and life.

  5. #4
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    Beware of Family Heritage Life Insurance

    If a salesman knocks on your door and they're from Family Heritage Life Insurance Company, slam the door in their face.

    After a incident at my home a few days ago, I'm pressing charges against a salesman of Family Heritage Life Insurance Company, and plan to pursue legal action against them as well.

    This is my first ever post on Scam.com. I look forward to continuing my visits to scam.com :)

  6. #5
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    Re: Beware of Family Heritage Life Insurance

    Quote Originally Posted by TakingAction
    If a salesman knocks on your door and they're from Family Heritage Life Insurance Company, slam the door in their face.

    After a incident at my home a few days ago, I'm pressing charges against a salesman of Family Heritage Life Insurance Company, and plan to pursue legal action against them as well.
    Do you mind if I ask what part of the country you live in? Also, what kind of experience did you have with the agent?

  7. #6
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    Re: Beware of Family Heritage Life Insurance

    Quote Originally Posted by protectyourfamily
    Do you mind if I ask what part of the country you live in? Also, what kind of experience did you have with the agent?
    I live in Texas. The salesman came to my home. He was told that we were not interested, as well to leave. The man would not leave. He stood on my front porch arguing. He was told repeated times to leave, and he still wouldn't comply.

    He was finally leaving, when he made a rude comment while walking down my driveway, which I made the threat to respond with legal action. The salesman turns around and starts approaching me, walking really fast. Now, I'm fearing for my safety. I yelled for a family member in my house to bring me my shotgun, as I would've used lethal force had he made it to my door.

    He finally got the hint and left, while still being the most unprofessional man I have ever seen. The whole disturbance caused by him, lasted around 15 minutes.

    I did make contact with the local police department. After speaking with police, it was determined that the salesman & company broke State & Local laws. I'm pressing charges against the salesman, which he'll have to show up in court for (if he doesn't show, he'll have a warrant out for his arrest). I've called the salesman's local office that he's located out of to file a complaint (of course with no response from them).

    I've contact Family Heritage's Corporate office and and filing complaints there as well. I'm looking to teach this guy a lesson.

  8. #7
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    Re: Beware of Family Heritage Life Insurance

    Quote Originally Posted by TakingAction
    I live in Texas. The salesman came to my home. He was told that we were not interested, as well to leave. The man would not leave. He stood on my front porch arguing. He was told repeated times to leave, and he still wouldn't comply.

    He was finally leaving, when he made a rude comment while walking down my driveway, which I made the threat to respond with legal action. The salesman turns around and starts approaching me, walking really fast. Now, I'm fearing for my safety. I yelled for a family member in my house to bring me my shotgun, as I would've used lethal force had he made it to my door.

    He finally got the hint and left, while still being the most unprofessional man I have ever seen. The whole disturbance caused by him, lasted around 15 minutes.

    I did make contact with the local police department. After speaking with police, it was determined that the salesman & company broke State & Local laws. I'm pressing charges against the salesman, which he'll have to show up in court for (if he doesn't show, he'll have a warrant out for his arrest). I've called the salesman's local office that he's located out of to file a complaint (of course with no response from them).

    I've contact Family Heritage's Corporate office and and filing complaints there as well. I'm looking to teach this guy a lesson.
    Very sorry to hear about your ordeal. I am personally very much against the high pressure "scare" tactics I have personally witnessed this company use. Each "agent" is "trained" (more like drilled/brainwashed) to overcome ANY objection. Only the most staunch homeowner will deter them. This is not to say that some of the agents do not have personal limits. It seems however, that your agent was possibly low on sales and must have been pushing very hard to get his "demo" in so as to convince you to purchase a policy. Around this time of year, there are certain "point" quota's each agent must acquire in order to win a "free" trip from the local office. Hopefully you will be extremely successful in your legal proceedings. These types of companies breed this kind of individual and rest assured, there are many more just like him.

    In Texas there are, I believe, 3-4 "agencies" for FHL. Texas Heritage, Pinnacle Brokerage and a couple of others I don't remember. Either one of these? Just curious. They operate out of San Antonio, Austin, Dallas and Houston, with several "road trips" a year to other Texas towns for a week at a time. The agency I had dealings with was in the mid-west but the agents/agencies are all clones of each other.
    Last edited by protectyourfamily; 03-30-2007 at 05:26 PM.

  9. #8
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    Re: Beware of Family Heritage Life Insurance

    Quote Originally Posted by TakingAction
    I've called the salesman's local office that he's located out of to file a complaint (of course with no response from them).

    I've contact Family Heritage's Corporate office and and filing complaints there as well. I'm looking to teach this guy a lesson.
    One other question...how did you find out the name of his local office? This is not information that is typically given out by agents. They merely state they represent FHL.

  10. #9
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    Re: Beware of Family Heritage Life Insurance

    Even if the executives of multi-level marketing (MLM) companies like Family Heritage had great products and good intentions … which makes me chuckle just typing it … good intentions? lol … the RECRUITING portion of the plan (which is what makes it an MLM in the first place) simply CANNOT work in the long term. Look at the below very eye-opening calculations for yourself and try to refute them:

    Canada’s Population (as of 2006): 32,248,600
    United States Population (as of 2006): 298,444,215

    Total Population: 330,692,815


    I once worked for A.I.L./Altig International (another insurance MLM) so I’ll use their recruiting expectations for my example as they’re probably pretty close to other MLM’s.

    Altig/A.I.L.’s expectations, when I worked there, were that each Hiring Manager would hire 10 new agents per week … with the assumption that around 2 of them would actually get through the licensing and training, and start selling insurance. The promise to these agents was that, if they became an MGA, they could have a down-line of agents below them whom they could start earning money from.

    Let me show you how quickly the North American market would be saturated with these statistics alone … and how many people at the bottom of the MLM would end up working their asses off for nothing within a mere 7 or 8 years:

    60 offices X 1 Hiring Manager per office = 60 Hiring Managers
    60 Hiring Managers X 2 new agents/week X 52 weeks in FIRST year = 6240 agents

    Let’s say, in the SECOND year, each of these 6240 agents want, at minimum, another 4 agents below themselves to earn money off:
    6240 + (6240 X 4) = 31,200 agents

    Let’s say, in the THIRD year, each of these 31,200 agents want, at minimum, another 4 agents below themselves to earn money off:
    31,200 + (31,200 X 4) = 156,000 agents

    By the FOURTH year, if this pattern continues…
    156,000 + (156,000 X 4) = 780,000 agents

    By the FIFTH year, if this pattern continues…
    780,000 + (780,000 X 4) = 3,900,000 agents

    By the SIXTH year,
    3,900,000 + (3,900,000 X 4) = 19,500,000 agents

    By the SEVENTH year, we’ve already surpassed the entire population of Canada
    19,500,000 + (19,500,000 X 4) = 97,500,000 agents

    By the EIGHTH year, we’ve surpassed the entire population of North America
    97,500,000 + (97,500,000 X 4) = 487,500,000 agents

    The truth is, this pattern probably wouldn’t even be able to sustain itself into the fifth or sixth year before collapsing for a couple of reasons:

    1. You need to have SOME people leftover to be customers, don’t you? You can’t have the whole population of North America as an Altig/A.I.L. agent.

    2. There are several MLM insurance companies who are trying to accomplish the exact same thing as Altig/A.I.L. There’s no way any of them could possibly get this much market share in the first place.

    I don’t even remember what the expectation was for agents……whether or not they were expected to have more than 4 agents below them. But even with these small numbers, it is easy to see how quickly the MLM would saturate the market and collapse.

    It's also now easy to understand why the company doesn't give all the truth upfront, and why people feel "cheated" and "lied to" and "used" once they realize the truth for themselves. It's because the ones at the bottom ARE being "cheated" and "lied to" and "used" in order to sustain the pyramid......

    Let's say Alig/A.I.L. actually WAS able to multiply to the numbers above in the 7th year, then they would have no other choice but to LIE to all the recruits in the 8th year to make them join the company. Those above them would already know the market-place was saturated, and that none of the 8th-year recruits could expect to have recruits under them.......instead, those 8th-year recruits would just be working their asses off to sustain the "pyramid" above them. But someone would have to lie to them, make them believe they could have success, just to get them to work there in the first place (which is pretty much what we see happening already).

    This is what's wrong with this type of business, and why it should be illegal. Eventually, someone is going to get screwed. Someone is going to be lied to so that everyone else can continue making the money they're making.

    It's a scam. It can never work in the long term. And it should be illegal.

  11. #10
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    Re: Beware of Family Heritage Life Insurance

    Quote Originally Posted by TheWholeTruth
    Even if the executives of multi-level marketing (MLM) companies like Family Heritage had great products and good intentions … which makes me chuckle just typing it … good intentions? lol … the RECRUITING portion of the plan (which is what makes it an MLM in the first place) simply CANNOT work in the long term.

    This is what's wrong with this type of business, and why it should be illegal. Eventually, someone is going to get screwed. Someone is going to be lied to so that everyone else can continue making the money they're making.

    It's a scam. It can never work in the long term. And it should be illegal.
    Unfortunatley, FHL (corporate) is VERY proud of their "product". It's not a bad policy but, look at the following link for some interesting info:

    http://seattletimes.nwsource.com/htm...yndication=rss

    I was particularly interested in the AM Best and Fitch ratings.

    That having been said, TakingAction is on the consumer end of an MLM driven structure. (I did not say they OPENLY confess to being MLM but...) In this case, the "captive agencies" or local offices as TakingAction referred to it, are the REAL culprits. While they DO have a "product", the goal is to make as many sales as possible REGARDLESS of who/how/why it affects people (consumers AND agents) They brag about "helping people" when in the finale, they are interested MORE in helping themselves. (I speak of the top levels of this structure) Consumers and potential agents should be EXTREMELY cautious in dealing with this organization and its agencies. Do the research. For consumers, ask to see DETAILED fine print on the policy (the agents don't carry it) and remember, while your "benifits" never reduce, they also never increase. So as the GNP/inflation rises over 25 years, how much will 300 towards a room go for at that time? Additionally, advances in current medicine continue to drive up the costs so that even this gap insurance will eventually only marginally cover the expenses. For potential agents, refer to the two Altig/AIL threads and review the VERY detailed accounts of the "typical" expectations (monetary and personal) that will be required.

    And yes...these types of companies should be illegal.
    Last edited by protectyourfamily; 03-30-2007 at 08:30 PM.

  12. #11
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    Re: Beware of Family Heritage Life Insurance

    Quote Originally Posted by Patrick in California
    Not at all, because in a real pyramid scheme, there is NO LEGITIMATE product or service being sold and you can NOT make more money than the person who brought you in.

    And given COMPETITION, "saturation" is virtually IMPOSSIBLE.
    Just a bit more information for those who are not aware of what exactly the difference is between a "legal MLM" and an "illegal pyramid" scheme. Not much difference........


    http://www.rickross.com/reference/ge...eneral546.html

    A very thin line between multilevel marketing and pyramid schemes

    .......Shadows of the pyramid

    .........Traditionally, pyramiding involves only the investment of money in which a recruit would have to get a specific number of downlines and earn a certain percentage from the amount he invested and those that were poured in by the recruits of the recruits.

    But when authorities cracked down on firms or persons involved in this illegal scheme, some "innovative" groups thought of going around the law by offering products and/or services in their scheme.

    Thus began the problem of distinguishing a legitimate MLM from those into pyramiding.

    Olmos says MLM in itself is legal.

    "It is a marketing strategy to broaden the market base," he said. But only a thin line separates networking from the pyramid scheme.

    Olmos stressed that simply by offering products and services, a networking company becomes legal and is shielded from pyramiding charges.

    .......Doomed to fail?

    MLMs work by geometric expansion, whereby a recruit must in turn recruit a certain number of people. So, if selling the product is a mere sideshow to the real profit-making anchored on recruitment, an MLM firm is bound to collapse at a certain level due to saturation.

    If, for example, a recruit, in order to earn his commission, must recruit 10 other people, at a depth of three levels, there would be 1,000 persons under his pyramid. At a depth of six levels, that number would swell to one million.

    Considering the limited number of people who can afford and are willing to buy and use a particular product, saturation is inevitable and fast. This makes only those on top of the chain happy while those below are doomed to lose money.

    To compound the situation, in MLMs the product is not the real reason people are enticed to join. The product offered is merely the excuse to legitimize the real and probably illegal moneymaking scam.


    So, in other words, MLM's are nothing more than pyramid schemes that found a loophole in the legal system that allowed them to continue scamming people. Otherwise, they're no different, and no better than illegal pyramids.

  13. #12
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    Re: Family Heritage Life Insurance

    protectyourfamily, after our discussion on the American Income Life is a Fraud thread http://www.scam.com/showthread.php?p=356922#post356922, about how MLM insurance companies offer "unlimited" income, et cetera, I sent fake career inquiries to a couple of different MLMs.............Family Heritage replied. Below are our emails:

    ^ ^ ^ ^ ^ ^

    Sent: Wednesday, March 28, 2007 8:58 PM
    To: Contact
    Subject: Career Opportunity

    I've been reading your website and I have a couple of questions for you:

    1. When you say, "Family Heritage provides an industry-leading compensation package, combining personal sales, management income and lifetime renewal income. Generous performance bonuses along with incentives" what do you mean? Do you offer any kind of base salary (not a "draw," but an actual "salary" that doesn't have to be paid back)? Or are all personal sales, management incomes, renewals, bonuses, etc., paid through straight 100% commissions?

    2. If/when you hire new agents, are they considered "employees" or "independent contractors"?

    3. Can one of your agents also sell for other insurance companies?

    I look forward to hearing back from you soon.

    ^ ^ ^ ^ ^ ^

    From: Contact
    Sent: Thursday, March 29, 2007 9:17 AM
    Subject: RE: Career Opportunity

    First of all thanks for inquiring into a career with us.

    All of our Sales/Management personnel are independent contractors.

    At one point, we did have our sales people as employees, but as we
    evolved, and continued to grow, it was clear our sales people wanted an
    unlimited income.

    Over time, we changed our compensation model from a base pay [that
    didn't have to get repaid] to an accelerated commission program. I say
    accelerated commission program because a straight commission plan would
    put any new sales professional in an income crunch. Our plan pays each
    sales/mgt. professional a little of 7 months of commission upon each
    sale made. This allows him/her to reach their financial needs much
    quicker than usual.

    Because of this plan, along with our Lifetime renewals, stock options,
    monthly/quarterly bonuses etc, which are paid above our accelerated
    commissions, our sales professionals are some of the highest compensated
    insurance people in the business.

    Of course, because we don't offer a base from which to start, we are not
    a good fit for all people. We understand that. But for those that do
    work with us, the flexibility that we offer combined with the income and
    income potential that is realized, our opportunity is one of the best in
    the business.

    Last, we do allow our sales representatives to represent other
    companies. These sales representatives are considered non captive.
    While they have the same opportunity to sell our products and receive
    commissions, they do not participate in the incentives that the rest of
    our sales force is offered.

    I hope I have addressed your questions fully. Should you have any
    questions, don't hesitate to write or call.

    ^ ^ ^ ^ ^ ^

    What are your thoughts, protectyourfamily, as someone with inside information on this company?

  14. #13
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    Re: Family Heritage Life Insurance

    Quote Originally Posted by TheWholeTruth
    protectyourfamily, after our discussion on the American Income Life is a Fraud.............Family Heritage replied. Below are our emails:
    It is without ANY surprise that they responded. They are so deeply entrenched in an MLM structure that the mere INQUIRY into their "opportunity" makes them behave like Pavlov's dog! Watch how agressively they will "recuit" you. The proof is ALWAYS in the pudding, as I am sure YOU are very well aware. Funny how your desire to "probe" these companies revealed the unsavory characters that live under the rock you rolled over called FHL (or their captive agencies).

    Quote Originally Posted by TheWholeTruth
    At one point, we did have our sales people as employees, but as we evolved, and continued to grow, it was clear our sales people wanted an unlimited income.
    Can't speak very intelligently to this. I am only familiar with the last six years. However, why would their sales force want "unlimited income". If their "product" is so great, it should be selling like hotcakes thereby negating the need to restructure the pay schedule. Don't mainstream gap insurance companies provide the chance at six figure incomes with PLENTY of incentive as true employees? Why would "employees" want "unlimited income"? Most well paid employees are satisfied with high incomes. Perhaps the infiltration of MLM? Great way to make quick cash, "evolve" your business and shirk the responibility of a TRUE employer.

    Quote Originally Posted by TheWholeTruth
    Over time, we changed our compensation model from a base pay [that didn't have to get repaid] to an accelerated commission program. I say accelerated commission program because a straight commission plan would put any new sales professional in an income crunch. Our plan pays each sales/mgt. professional a little of 7 months of commission upon each sale made. This allows him/her to reach their financial needs much quicker than usual.
    Please. Do they think you're stupid! 100% commission is still 100% commission. ACCELERATED COMMISSION?!?! ALL insurance companies advance between 5 to 12 months on sales! This is industry STANDARD! Now while they state that straight commission would put any new sales "professional" in an income crunch, and that the agent will reach their financial needs much quicker than usual, they neglect to tell you how long it might take to actually MAKE a sale and/or "survive" if your first few sales cancel (which you know from experience they do). If the agent fails to meet their financial needs, what do you think the manager tells them? You already know.

    Quote Originally Posted by TheWholeTruth
    Because of this plan, along with our Lifetime renewals, stock options, monthly/quarterly bonuses etc, which are paid above our accelerated commissions, our sales professionals are some of the highest compensated insurance people in the business.
    Blah, blah, blah.....same as EVERY other door-to-door insurance company. In fact, AIL is rated higher than FHL and seems to offer a better compensation package. They HAVE to state this or they might lose the potential "lackey" to AIL!

    Quote Originally Posted by TheWholeTruth
    Of course, because we don't offer a base from which to start, we are not a good fit for all people. We understand that. But for those that do work with us, the flexibility that we offer combined with the income and income potential that is realized, our opportunity is one of the best in the business.
    Again...blah, blah, blah. Nice way to CYA. Flexibility?! You know the whole truth. Realized income potential? NEVER saw it happen.

    Quote Originally Posted by TheWholeTruth
    Last, we do allow our sales representatives to represent other companies. These sales representatives are considered non captive. While they have the same opportunity to sell our products and receive commissions, they do not participate in the incentives that the rest of
    our sales force is offered.
    COMPLETE LIE!!!!!!! The agents MUST sign a NON-COMPETE contract when they sign up!!!! I NEVER met a NON CAPTIVE agent, did you? Can you imagine an agent representing BOTH AIL and FHL?!?! Additionally, is there EVER any EXTRA time to pitch another company? Lastly, EVERY agent that produces for this company is offered the incentives so long as they meet the "quotas" required. Again, do they think you are so mentally deficient so as to believe that a SOLID producer wouldn't demand the incentives offered to "captive agents"? They would obviously quit. Oh...but the managers would never let that happen. Thanks for the inquiry to other similar companies. You made my day. Purging is quite refreshing.
    Last edited by protectyourfamily; 03-31-2007 at 07:12 AM.

  15. #14
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    Re: Beware of Family Heritage Life Insurance

    Quote Originally Posted by protectyourfamily
    One other question...how did you find out the name of his local office? This is not information that is typically given out by agents. They merely state they represent FHL.
    I did my own investigating, by going around my local neighborhood and compiled evidence. This guy is located out of Georgetown, Texas. I was able to obtain a copy of his business card :D

  16. #15
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    Re: Beware of Family Heritage Life Insurance

    I also found out that he sells Family Heritage’s insurance as an independent contractor, which basically allows him to get away with anything he wants. I can't wait to expose this guy in court.

  17. #16
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    Re: Family Heritage Life Insurance

    Quote Originally Posted by protectyourfamily
    ..........COMPLETE LIE!!!!!!! The agents MUST sign a NON-COMPETE contract when they sign up!!!! I NEVER met a NON CAPTIVE agent, did you? Can you imagine an agent representing BOTH AIL and FHL?!?! Additionally, is there EVER any EXTRA time to pitch another company? Lastly, EVERY agent that produces for this company is offered the incentives so long as they meet the "quotas" required. Again, do they think you are so mentally deficient so as to believe that a SOLID producer wouldn't demand the incentives offered to "captive agents"? They would obviously quit. Oh...but the managers would never let that happen. Thanks for the inquiry to other similar companies. You made my day. Purging is quite refreshing.
    I figured that statement was just a bunch of bull****, but I thought I'd ask you about it since you have firsthand experience with FHL. Actually, I'm going to email the guy, again, to ask him whether or not I'd be able to sell for Family Heritage and American Income Life simultaneously........I'll let you know what he says.

    Incidentally, like you, I'm on a mission to expose MLMs for what they are. I've been posting on the "Primerica" and "World Financial" threads on this site over the past couple of days. Interestingly enough, I came across yet another pro-MLMer, much like the one on the American Income Life is a Scam thread, who agreed that the 98.5% fail rate is accurate. Honestly, it makes me laugh out loud when they reply to that question in that manner and expect people to see their answer as a positive.

    Below was my reply to that poster. (No doubt my reply also applies to FHL which is why I'm including it here.)


    Quote Originally Posted by openingdreams
    ........You are correct in your fact that 95-98% (I'm saving that .5%) of people don't last. On average over 400,000 people a month delve into the home based business opportunity nationwide........
    This is what always baffles me about pro-MLMers......you actually AGREE with me that 98% of people don't last in MLMs........and yet you STILL expect me to believe it's a "wonderful opportunity."

    Are you trying to tell me that, if 98% of people "fail" at an opportunity, it's 98% of the peoples' faults? That it's not a problem with the so-called "opportunity" itself? Give me a break!

    Here's a good rebuttal to that........better than any rebuttal I could ever give you:


    http://www.armydiller.com/financial-scam/failure.htm

    It is a copout to put the full blame for failure on this 80-95% who throw in the towel at scammer firms given the odds against them, yet that is exactly what happens. Furthermore, it serves a purpose.

    At the scammer firm, success is always just "around the corner." Scammers convince the rep that he's one of the "elite" who can make it and pound into him that it's his fault when he can't. Lures of cash bonuses and trips are dangled, constant "you-can-do-it" rah-rah meetings are mandatory, and reps are told that quitters just "didn't have what it takes" (unlike you who are sticking it out!) or "violated major securities laws and were fired" (but we know you wouldn't do such a thing!). A real cult mentality of false hope develops among reps who buy into this reasoning. This is an actual quote* from a rep:

    "[XXXX] is a great company and yes just like anything else it's hard to make $100,000 a year. But if your [sic] willing to put in the work it's just almost guaranteed that you will make it... if you are willing to do what I've done you will have the same results, if not than [sic] quit like everyone else quits everything they do and be bitter. But don't bad mouth a great company because you don't have what it takes to win."

    I have little doubt that that rep was gone within 2 years and never pulled $100K. This quote* is my favorite and pretty much sums it up:

    "Can you tell a 21 year old [...] who makes $50,000 a year with [XXXX] a loser? I know I am but what are you?"

    Yeah, right!

    It's all designed to instill in the quitter an unreasonable sense of failure. Why? If the quitter feels responsible for his failure, he won't place the blame where it belongs and sue the firm. After all, he's been purposely deceived! Guilt and shame are instrumental in avoiding lawsuits at this point.
    Last edited by TheWholeTruth; 03-31-2007 at 09:01 PM.

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