Possible buyer beware. Possible worker (“independent contractor”) beware. The corporation solicits expensive fear-disease guidelines (cancer, incident, heart disease, and life insurance) door-to-door in lower class places, frequently to individuals who can't afford conventional main medical health insurance. The only real people that are truly earning money would be the boss, Howard Lewis, and his slimy entourage of top management. You're simply a servant, provided no starting income, no advantages whatsoever, who's inspired to function from 10am to 9pm, Monday through Sunday to fatten the purses of one's supervisors while they're out brainwashing more possible sales representatives. Why? Since the return for this authorized pyramid plan is through the top – they can’t employ people quickly enough to displace all the return (that will be possibly within the 60-75% array. Significantly).
Why that is a terrible insurance plan to possess:
1) It's overpriced when compared with Aflac along with other guidelines accessible during your company.
2) They target people in lower class communities, a lot of which don’t own a significant medical plan. They're fooled into convinced that “at lowest they've some coverage.” the truth is, they don't – they're just protected if their household handles cancer, cardiovascular disease, or incidents. And badly coated, at that – the payments barely protect the cash you spend in quality.
3) the client support is terrible plus they, like every additional insurance provider, is going to do their finest to prevent paying claims whenever you can.
4) If it had been so excellent, wouldn’t you've named them? They simply turned up at your doorstep to market this point for you. Doesn’t that sound a little unusual?
Why that is a terrible insurance provider to work with:
1) door-to-door. Residential.
2) They spot you in lower class communities, pushing one to function from 10am to 9pm during the night. Many of these places are hazardous at night.
3) No base salary. No benefits. Nothing. You spend your personal gasoline, your personal resort expenses, your personal airfare to organization capabilities, actually the events which are kept at organization functions – these move directly on your bill! Exactly what a joke
4) 100% Fee-centered. And also the fee is completely arbitrary – they determine your agreement proportion centered on how poorly they need one to work with them. The administrators/supervisors are on 80% or more agreements. They provide their slave labor agreements which range from 30-70% of the premium amount. Which means, generally, your supervisor makes more income than you need to do IN YOUR revenue
5) They don’t treatment should you quit – should you stop, your supervisor still gets compensated in your plan for that period that plan remains about the publications.
6) Plan preservation – these guidelines, similar to the salesforce, have a remarkably high-turnover. Guidelines are terminated in a silly cut – someplace within the 25-30% array. Or even higher.
In summary, you're out-of the mind if you should be actually persuaded this is a great organization to work with or purchase a plan from. The plans are horrible, the salesforce is just a couple of kool aid drinking half-senses who're simply slaves for their supervisor, who kicks back and makes nearly all the cash as you work your butt down, promoting this garbage doortodoor. Buyer beware. Worker beware. You've been informed.
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