New Reviewer

Lie/misrep #1: "WFG works for many successful people. My upline’s a doctor/engineer/[enter respected profession here], who made [enter fabulous sum here] last month!”

Lie/misrep #2: "WFG is backed by Aegon Group, a Fortune 500 company."

Lie/misrep #3: "We focus on sales, not recruiting. We are not a ‘pyramid scheme’. "

Lie/misrep #4: "If WFG’s such as scam, why hasn’t it been shut down?"

Lie/misrep #5: “You can make ‘ridiculous’ money with WFG. You’re not a ‘wage slave.’”

Lie/misrep #6: “You own your own biz.”

Lie/misrep #7: “Don’t judge us on ‘a few bad apples.’”

Lie/misrep #8: "WFG is competitive because it offers a wide range of products from many different companies.”

Lie/misrep #9: “FFIUL is the best kind of life insurance policy. It’s a ‘permanent’ policy with a cash value and a floor so ‘you’ll never lose money.’

Lie/misrep #10: “Forbes covered us.’”

WFG is based on LIES. For very many of its clients and agents, WFG is--or will become--everything from a mild brief let-down to a mind-bending nightmare that wrecks everything they have: family, friendships, wealth.

WFG wove its web of deception so well, the agent-victim doesn’t know he’s trapped in it until it’s too late. Not until he’s invested too much time, money, and emotions into this abusive and deeply dishonest program. By which time it’s too late--he’s made himself part of the Big Lie. Acting like a highly animated zombie, he’s in gross denial and spreads the gross dishonesty.

*Harming* people and families--not helping them--is part of WFG’s DNA.

How can this be? Why does WFG even exist?

As Deep Throat told us: “Follow the money.” WFG makes huge coin for a privileged few. Your WFG nightmare is a *dream* for this MLM’s corporate overlords and relative handful of agents. These privileged few are:

1) WFG Corporate;

1) participating carriers, Transamerica most of all, and;

3) the top 0.5% of agents who’ve effectively locked up the pyramid peak.

Many--maybe most--of these top 0.5% agents got in on the ground floor of this Multi-Level Marketing (MLM) organization in the 1990s when it was called World Marketing Alliance (WMA). For reasons I give below, these top agents can effectively pull up the ladder out of reach of newer associates. They can drop down the ladder every so often to let climb up a few folks. Just often enough to continue the sham of “opportunity for all” if only “you work hard enough.”

Transamerica and WFG Corporate cash in hugely from WFG’s high-profit ultra-low overhead model. Uplines press their agents to sell very spendy fat-commission products like Transamerica’s Financial Foundation Indexed Universal Life (FFIUL) policy. Pricey products that most buyers will give up so Transamerica avoids to pay even a dime in benefits. As far as recruits, the more the merrier! WFG Corporate “ka-chings” $100 per head. A huge amount of this fee is profit. Corporate spends almost nothing on overhead, because agents do nearly all the work, which includes all the recruiting.

Transamerica’s parent holding company, Dutch giant Aegon N.V. lends a hand here. It greases Congress pols’ palms to help keep legal such devices like the FFIUL, an elaborate long-game fraud. Search on “Open Secrets Insurance Companies” and you’ll see Aegon ranks well up the list of donations, giving almost a million dollars of campaign contributions to these Fed elected officials so far this year. That’s a small price for Aegon to pay to help keep legal decades-long confidence games like the FFIUL.

To keep feeding the greedy WFG cash dragon with fresh green, uplines must push their agents to aggressively recruit, and sell harmful products to, everyone possible, even people near and dear to them. As such, WFG is deeply, deflective, deceptive, dishonest, and damaging. Its dishonesty flows all the way down from the top, from the corporate level, which instructs its agents to hide important information.

Let’s look under WFG’s hood. Let’s take apart some of the more common lies and misrepresentations that WFGers tell us and themselves. Let’s discuss how YOU can protect yourself from this profoundly unhealthy parasitic organization. A company that, like a pathogenic virus, shows us how to feed the selfish devils of our natures and suppress our better angels, and to teach us how to replicate the same Big Lie into other people. A company that infects and harms many thousands of victims for the crass enrichment of a select soulless few.

Lie/misrep #1: "WFG works for many successful people. My upline’s a CPA/engineer/[enter respected profession here], who made [enter fabulous income here] last month!”

Reality: It’s very common for MLM agents to wildly exaggerate their earnings and other professions, even outright lie about them. They justify their deception by telling themselves that the end justifies the means. To “fake it till they make it.”

It’s common for agents to show spreadsheets and PowerPoint slides showing their earnings. Ask to see their actual paychecks and bank statements. Alas, some uplines have even doctored those sources so even these “direct” docs fail to offer ironclad guarantees the upline made what he or she claims. Look for other telltale signs. How well does the upline dress? Does she wear real or costume jewelry? Does that “$250k/year” upline drive a $10k car? It’s possible the costume jewelry and budget car is her choice. But that’s highly unlikely. It’s vitally important to project a successful image to succeed in sales. So if the upline really does earn well, she’ll likely be driving a Lexus, Benz, or other status-mobile as a necessary cost of doing biz. Sometimes the upline will claim a respectable title in a high-earning career, e.g. a doctor, engineer, or CPA. Comments you read here in PissedConsumer, Ripoff Report, Reddit, and elsewhere, discuss accounts of people who claim to come from a given profession, but who fail to pop up in searches. Or they show up, but they only attended college or university for the given profession but never worked in that profession. Did they even graduate in their stated profession? Bottom line: Take NOTHING these people tell you on faith. Verify ALL you can.

Lie/misrep #2: "WFG is backed by Aegon Group, a Fortune 500 company."

Reality: Official public information on this relationship is sorely lacking, almost non-existent. You get conflicting information on it from various corporate employees. Bottom line: We simply don’t know for sure WFG’s current status vis-a-vis Aegon. What’s clear is that WFG largely disappeared from Aegon’s official financial reports in 2007. Even if Aegon does own WFG, it isolated itself from WFG’s bad behavior. Indeed by definition, WFG Corporate largely isolated itself from the rampant dodgy dealings and outright fraud among its 53,000+ agents. Because they are independent contractors, these agents must take the legal burden for their own actions and conduct. Check out the 28 March 2016 review in this site “Aegon/Transamerica DOESN'T own WFG after all?!” to read more on why WFGer’s proud claims that “Aegon backs WFG” are meaningless at best, and possibly wrong. When WFG runs into financial, regulatory, and legal troubles, you can’t assume Aegon will step in and bail out this deeply troubled little MLM.

Lie/misrep #3: "We focus on sales, not recruiting. We are not a ‘pyramid scheme’. "

Reality: WFG Corporate doesn’t tell agents to recruit more than sell. But the low-repeat sales of high-commission life insurance and retirement products like the FFIUL and variable annuities pretty uch force you to recruit way more than you sell. Thus YOU will personally violate pyramid scheme laws.

The US Government's Federal Trade Commission (FTC) makes clear what’s a pyramid scheme:

"Pyramid schemes ... promise consumers or investors large profits based primarily on recruiting others to join their program... we bring cases against pyramid schemes under the FTC Act."

You can read the full text at www dot ftc dot gov/public-statements/1998/05/pyramid-schemes

WFG Corporate’s guideline of “3 sales and 3 recruits in 30 days” (“3/3/30”) keeps the official guideline within legal limits. But the open secret among agents is that, given the low-repeat sales of life insurance and financial retirement products like annuities, agents must RECRUIT OR DIE. Life insurance is not a low-cost consumable like soaps or face creams. As my recruiter wrote to me: “how much can you sell?!” As such, it’s only a matter of time WFG’s contractors will firmly cross that sell/recruit borderline--and document their overwhelming recruitment focus in emails and web posts--to firmly establish a pyramid scheme pattern. Then the Fed and State regulators can “WHOOOSH” in. If you want to read more on this, check out the 16 May 2016 review in this site “Will WFG Die? Dissect this Evidence. Do your Homework. Decide for Yourself.”

Lie/misrep #4: "If WFG’s such a scam, why hasn’t it been shut down?"

Reality: Again, it’s only a matter of time before we see more formal action against WFG and/or some of its agents, which could result in prosecutions and shutdown. Sooner or later, the regulators and the courts will catch up to them once their collective malfeasance rises enough to grab the authorities’ attention. Starting in 2007, lawyers and regulators have had their hands full with biz titans like Lehman Bros, Enron, and Arthur Andersen, all of which fell from grace due to massive fraud and systematic gross wrongdoing. Recently Goldman Sachs agreed to pay $5B to investors to whom GS admitted it deliberately sold shoddy investments to clients. Let’s not forget bad behavior from Transamerica, the carrier that issues the Financial Foundation Indexed Universal Life (FFIUL) policy, WFG’s flagship insurance product. Google “Feller vs Transamerica” You’ll read about a major class-action suit just launched against that insurer. Thousands of Transamerica xUL policyholders will have, or already had, to cough up massive premiums or lose their policies. Even if a company’s very big and been around a long time, it can still offer you a poor and even harmful deal and even act fraudulently.

Lie/misrep #5: “You can make ‘ridiculous’ money with WFG. You’re not a ‘wage slave.’”

Reality: Yes, and you can become President of the United States, Prime Minister of Canada, and be the first person to walk on Mars. While anything’s *possible* the way the WFG pyramid is set up makes it virtually impossible for you to earn a living at this business. Even worse, it just about requires you to sell loads of inferior and even very harmful products, especially Transamerica’s FFIUL policy. You have to ask yourself: Is the money worth deceiving and ripping off hundreds, thousands, of people? Is the money worth the fact you knowingly deceive and rip off even *one* person? How much are you willing to violate your ethics and morals, to knowingly spread bad karma?

Let’s look at this in more detail. Search for “WFG’s Compensation & Promotion Guidelines Squarespace.” That 8-page PDF will pop up for you. Go to page 5. In the “Compensation Guidelines” chart, you see that WFG starts out its new Associates at, in effect, a pathetically low 25% of the commission on your sales. Most Independent Marketing Orgs (IMOs) pay their agents 70--80% of commission from their first day. That’s a greater percentage than what even WFG’s Senior Marketing Directors make.

In that same chart, see where WFG awards more points for “WRL” products? “WRL” stands for Western Reserve Life Assurance Co. of Ohio, which merged into--you guessed it!--Transamerica. WFG wants to project its independent “we offer many products from many carriers” image. The WRL label helps hide the fact that WFG heavily favors Transamerica and esp its fat-commission product, the FFIUL. WFG is, above all, a recruiting machine and a sales machine for Transamerica's FFIUL.

OK, let’s say you don’t want to flog “WRL” products like the FFIUL? No problem right? You can just work harder to sell the other products, right? But what if your upline thinks you’re not being “coachable” enough? In those same WFG Guidelines, on page 8, you find these:

Footnote 2: Promotion requires approval of direct upline ***

Footnote 3: Promotion requires approval of direct *** and CEO MD

Footnote 12: Meeting the minimum requirements does not guarantee inclusion in the Base shop Pool.

This means *even if you meet the sales and recruiting goals to move up* your upline can block your progress. WFG makes it clear that, regardless of its promises that you “own your own biz” and have “freedom of carrier/product choice,” you’re forced to play ball with your upline to move up to real money--which almost certainly means you have to recruit, recruit, recruit, and sell loads of the very expensive and very risky FFIUL. It’s small wonder I’ve seen agents push the FFIUL at pie-in-the-sky 8% average rates of return illustrations onto lots of people who can’t really afford it. In their later years as their premiums surge higher, these will force them to GIVE UP THE FFIUL and LOSE EVERYTHING.

Lie/misrep #6: “You own your own biz.”

Reality: WFG itself makes clear, in several places, that this favorite WFG selling point is a myth. You can find the hard truth spelled out in your Associate Membership Agreement (AMA) and in WFG's Compensation and Promotion Guidelines. You most definitely *don’t* “own your own biz.” You are not master or mistress of your WFG destiny.

First, see here on page 8 of that AMA:

“B. ...The Associate acknowledges that WFG owns all rights in and to the following: ...(ii) the identities of and all lists of the members comprising WFG; and (iii) the identities of and all lists of the Customers of WFG...which constitute **property owned solely by WFG.** Associate agrees that Associate shall have no proprietary interest in, or ownership of, any Customers, other associates of WFG including Downline Associates, or Products and Services. **WFG shall have exclusive proprietary interest in, or ownership, of all Customers, and contractual relationships with other associates and the Product Providers**.”

Read this for yourself. Search for the 22-page AMA-US.pdf. You’ll find it at mywfg dot com. Even some veteran WFGers are shocked to learn that, when they leave the MLM, they can’t take their Book of Business with them.

Second, see WFG’s Compensation & Promotion Guidelines. These make clear that, even if you meet sales and recruiting goals, you get no guarantee you'll advance up the WFG pyramid. See Lie/misrep #5 above for more info on that.

Sounds more like your J.O.B. all the time doesn't it? Except worse. All you are is a contractor who pays for everything that is usually paid for by traditional companies (training, books, travel etc) meanwhile WFG restricts you from performing in a truly independent manner. It’s no big shock then we see an even *bigger* earnings gap in WFG than at your J.O.B. Last year (27 Aug 2015) HuffPo ran a piece decrying the “outrageous” 204-to-1 pay gap between the CEO and rank-and-file workers, with 4 CEOs at the top of the list earning more than 1,000-to-1. We can put WFG right up there with the worst of them with its staggering *1,321*-to-1 gap. (3m ring earners compared to the 99.7% who earn, on average, $2,272/yr.) So much for WFG giving you the fair shot at the big bucks your J.O.B. kept you from.

Lie/misrep #7: “Don’t judge WFG by ‘a few bad apples.’”

Reality: WFG’s policies set the stage for widespread deceptive and unethical behavior that spreads WAY beyond “a few bad apples.” This MLM pushes its contractors to *restrict information* to its prospects, both to customers and to fellow associates. This guidance comes straight out of WFG’s System Manual: “Avoid the Scenario of Disaster. *If you start answering too many questions*, it takes the edge off the prospect’s curiosity.” This is, of course, absurd advice. Honest people will agree: You WANT to satisfy a prospect’s curiosity. That’s a GOOD thing. How can you make rational decisions about products and work opportunities if you don’t get solid info on them?

My experience showed me how deeply WFG deceives its clients and agents. My recruiter did everything he could--and succeeded--to keep me from reading the FFIUL contract. He *owns* this policy and locked himself into really high fees and onerous surrender charges that extend out 15 years. Yet couldn’t answer basic questions like “what are the guaranteed maximum fees?” He owned this policy and obviously had every right to let me read it. Yet he felt he needed to call his upline, who advised him against letting me read it, giving empty even laughable excuses such as “we just don’t do that” and “we’re not sure that’s legal.” I saw more of the same deflective and deceptive behavior in WFG workshops. My upline expected to promote the same in Business Presentation Meetings (BPMs).

WFG’s compensation structure promotes unethical and even illegal behavior in other ways too. It’s true this MLM doesn’t directly pay you to recruit. Instead it simply awards points to you to recruit. You MUST recruit to move up the pyramid, especially since WFG’s main products, the FFIUL and variable annuities, are usually not repeat sells. As my recruiter wrote to me: “You have to see yourself as a “builder” [“builder” is code for “recruiter”] rather than a seller. How much can you sell?!” To make real money and to advance you have to recruit enough that you will almost certainly run afoul of pyramid scheme laws.

Lie/misrep #8: "WFG is competitive because it offers a wide range of products from many different companies.”

Reality: WFGers love to tell us “we offer many different life insurance products from many companies.” In fact, WFG exists mainly to recruit and to distribute Transamerica’s very pricey very risky fat-commission FFIUL. WFG wrote the Compensation and Promotion Guidelines to push agents to sell that dangerous paycheck-sucking policy. The FFIUL is especially risky in later life when your Cost of Insurance (COI) rates--aka Mortality Charges--soar through the roof. Check Lie/misrep #5 above for more info on WFG’s C&P Guidelines.

So what’s so bad about the FFIUL anyway? That brings us to:

Lie/misrep #9: “FFIUL is the best kind of life insurance policy. It’s a ‘permanent’ policy with a cash value and a floor so ‘you’ll never lose money.’”

Reality: For the damning numbers on this “assurance” abomination, please check out the 30 April 2016 review “Plan to live long? See the MATH here! Your FFIUL--WFG’s “top” product--will LAPSE and leave you NADA.” This explains why Transamerica’s FFIUL--at least as configured and sold through WFG--is a truly terrible deal you need to *run* from. The FFIUL is a super-expensive policy that, if you live a reasonably long life, is virtually guaranteed to FAIL, leaving your heirs NOTHING after you spend decades pumping hundreds of thousands of dollars into it. This, because skyrocketing late-life Cost of Insurance (COI) charges *will* force you to give up the FFIUL. It’s as simple and awful as that. The FFIUL is not a “permanent” life policy as much as it is an auto-renewing 1-year term life policy. It’s “permanent” only until you can no longer afford to pay the astronomical late-life charges.

Lie/misrep #10: “Forbes Magazine covered us.”

Reality: WFG appeared in Forbes only in *advertisements* so of course gives a rosy picture of the company. What else would you expect? It amazes me any WFGer would embarrass themselves and WFG to tell such a weak and easily verifiable lie. Yet many do.

Five lessons from my WFG experience:

1) Take NOTHING a WFGer tells you on faith. Verify everything with full documentation and your own independent research.

2) Read the fine print before you sign anything. Every word of it!

3) Before you sign anything or give WFG a dime, make sure your agent gives you FULL DOCUMENTATION to take home and thoroughly read over. If you consider any policy, especially a policy with many moving parts like the FFIUL, demand a FULL QUOTE on your FFIUL *including all the contract terms and conditions and Policy Data.*

4) Give it to an independent qualified fee-ONLY (not just “fee-BASED”) Financial Advisor who does NOT sell life insurance.If your agent won’t give you this full documentation, WALK AWAY.

5) Your best bet: Never start with this deeply dishonest organization!

Reason of review: Bad quality.

World Financial Group Cons: Cult-like mentality, Deceptive information, Very risky insurance policies, Deeply dishonest, Pushes agents to break laws.

Location: Berkeley, California

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Ja Tst

You are so full of shi# with this sore looser whiney *** excuse of an expose’! Nothing that you stated is fact and merely the rantings of someone who couldn’t *** the hard work it takes to win in WFG. Which pays off handsomely for those who get to work without excuse and take their destiny and business into their own hands!


It makes no sense for you to state the wfg suckers people into policies they cannot afford. If you were even remotely smart you would realize that brokers get paid on policy’s that actually stick around not on policy’s that end up being canceled later on.

It would result in a chargeback to the agent. I think you are probably someone who thought you could get paid for doing nothing and when that didn’t pan out you wanted to bash wfg.

If wfg was a scam they would absolutely be shut down and faster than any other company because they deal with people and their finances. Get educated before you speak.

Alexcia Kcg

Please give examples on specific programs and services (and list from which companies that are affiliated with WFG) that did not work or were faulty for their clients. Thanks!


I just recently had the hardcore sizzle sales call. Guaranty, Huge commissions, Doctors and CPA's give up their practices to make a year's income a month.

The more you bring in the more you make. High commissions on an SP 500 index RED FLAG. Guarantee 10% a year return on your money RED FLAG. CEO makes SIX Million a year and spreads the wealth LOL.

They have figured a way to cheat the testing system. Plus endless stories of greed.

Only at the very end did they even mention the company, All very Fishy. I passed on this shady dealing deceptive marketing and recruiting.

reply icon Replying to comment of Guest-1492171

You either have what it takes - or you don’t. In life, what you reap, so shall you sow.

I have personally seen not only what it takes, and that requires personal change, but my friend is making a great income part time.

The business structure works, and it is not a “scam”. It’s just not for everyone.


Hi guys. I'd just like to let you know that you really have no idea what you're talking about when you hate on WFG.

I'm in Andre Genovesi's Baseshop and Kash Rastan's Super Team. Kash Rastan used to be an engineer, was brought into WFG about 10 years ago and now makes just under $2 million a year. Andre Genovesi used to be a famous skateboarder (look him up), has been in the business for almost three years and is just about to have made $250k in the past rolling 12 months. A couple of years ago, Andre helped a family that had $495k in mortgage, $48,439.72 in credit card debt, no emergency fund, no retirement plan, and no insurance.

Their net income every month was -$287/month. Andre got them a debt settlement and now, after less than two years, are debt free and saving money aggressively. I don't know what all of y'all are talking about; WFG saves lives.And by the way, the cost of insurance (COI) for an Indexed Universal Life insurance policy is constant.

It doesn't change from year to year. Once the policy is set up, then the COI never changes.

reply icon Replying to comment of Guest-1485973

Zack...have you seen so many people bragging about how much money they supposedly make..to the penny...HEY Zack...I make 4.6 million last month..i am here saying I sell my underwear on Craigslist and it is fantastic.My mom sells her underwear and has made 5.7 million in the last 2 months..not bad for somebody on social security?I haven't seen any people needing to bring fantasy #'s which these are without a shread of proof like maybe the IRS return from last year?Nope comes down here and blabs fictional #'s which if we believe the OFFICIAL WFG #'S for the 2015 year don't come close to this unicorn twilight zone scenario.Know why the few at the top make money because those at the bottom make none.You talked about a couple at the top of the earning circle..why didn't you publish your full name and IRS return?And if you think that WFG is special because they use a tool for a debt settlement instead of bankrupcy..come on..every bank that has a financial advisor or planning can help you with that..heck even the credit card will work with you.And to top it off now Zack here thinks that WFG SAVES LIVES...please....

reply icon Replying to comment of Guest-1486473

Thanks for sharing Zach. You are absolutely right.

We saw one of our own family’s taken care of before and after her passing. You know the truth. Just keep doing a great job. People like those posting this awful review just need prayer.

Keep doing what you know is right. You are helping families improve their lives.

God Bless You. Jesus loves you too.

Alexcia Kcg
reply icon Replying to comment of Guest-1486473

I’m not at the top of the company.. I’m 18months in..

ive doubled my previous salary with helping people figure out their retirement..and ive protected over $500,000+ dollars from being lost through their 401k plans... Idk what the issue is.

But my clients are happy, we have a great relationship, and I think people who show hate towards the company were scarred by unprofessional people, not the company, not the programs, not the services. It’s sad but it is what it is.

reply icon Replying to comment of Guest-1485973

Andre Genovesi scammed much family out of $20,000 my misrepresenting the IUL. Not a fan.

reply icon Replying to comment of Guest-1485973

You've only touched the tip of the iceberg buddy. I came from that superbase.

I was there when Andre started. Do your research. WFG's founders are Mormons, the powerhouses of MLM's. I feel so sorry for those who got involved with WFG including myself.

I needed to prove that WFG isn't a good brand as long as it's run like an MLM. Clients got screwed during the Elite Circle runs and the agents who wrote it don't know what they were and are doing and have to follow the orders of their (hierarchy) upline. (pressure from the MLM company) Andre is stuck since he has a downline - he can't walk away from (MLM keeps you there). Google everything.

These MLM'ers brainwash you to not google anything and if you do, they have a training session to teach you how to "overcome" that.

Do the right thing, use your licenses for the greater good. Seek authentic professionals (not MLM-oriented).

Vishnu Hhf

Dear Anonymous #141****. Did you carefully read this review?

Did you happen to notice that the author of this review backs up his claims, over and over, with rock-solid evidence? Including lots of info *WFG itself provided*?

Anon you stormed on here, calling people "idiots" and make crude and irrelevant scatalogical remarks about people's anuses. Worst of all, you tell a lot of easily-verifiable LIES.

E.g. No, Anon, you're totally WRONG, WSJ and other quality pubs have NEVER pubbed pro-WFG articles. I challenge you to give us a link to even ONE such article--you will totally FAIL to do that. Anon, you also make all kinds of wild claims that you FAIL to back with even one single shred of evidence.

To recap Anon #141****.

We have this reviewer, who calmly lays out the case and rigorously sources the evidence.

And then we have YOU, a crude person who tells out-and-out LIES and utterly FAILS to support his claims.

I'm sure the smart reader will know to whom to pay attention :-)


lmao you are such an idiot. I read through the article and its just really sad how little you actually know lol. this post goes right into the category of "9-11 was an inside job" lmao.

Pro tips: educate yourself.

The "mis leading" section of this post is mis leading. forbes, money magazine, wall st. journal all has articles on WFG. GREAT ones btw. so I mean sure, listen to a no body who has an opinion just like anyone else. its like an *** everyone has got one. But please don't take it seriously!

form your own opinion!

if you form your opinion on others opinions than its not really your opinion.

go on facts not some "pissedconsumer" lol The truth is, some of the most brilliant business minds In the world think World Financial Group is incredible! The Heads of MULTI BILLION DOLLAR companies. the 200+ companies that trust their companies name in their hands. Nation wide, Gerber, Transamerica, Jackson, Crump, Voya. Not to mention just SOME of the most credible magazines I mentioned earlier! So when a pissed off insignificant person has a bad opinion of WFG. It doesn't mean anything. I'm not even an Agent! but WFG and its incredible associates changed my life and my families life!

Vishnu Hhf
reply icon Replying to comment of Guest-1415000

Please see my above response to your comment. Thanks.

Nancey Sas
reply icon Replying to comment of Guest-1415000


They still peddle "regulated" junk products. Bad for your health and your wallet.

Conagra is a 100+ BILLION company.

It sells synthetic poisons like Reddi-Wip, Fiddle Faddle candy-coated popcorn, and hot dogs chock full of fat and preservatives.

Coca-Cola is a near 200 BILLION company and well...you get the point!

reply icon Replying to comment of Nancey Sas

I’m sure your one of the ones that’s broke and stays broke. Probably with not a 1 dollar of life insurance to protect yourself, that’s okay cause only uneducated people are people like you.

Those that talk crap and no nothing about it. Lol

Vishnu Hhf

GritFES, that sure wasn't my experience. The NW Mutual folks, and folks through my IMO, gave me WAY better training than I ever got from the ragtag upline force at WFG.

NWM gave me complete in-depth training on the actual products--the downsides as well as upsides.

WFG is a MultiLevel Marketing (MLM) org with huge emphasis on getting other folks to join this "opportunity." Here's the WFG training focus:

1) Recruit

2) Recruit

3) Recruit

4) Sell product 5) Memorize the product promo materials the carriers give us. 6) Recruit some more As EVC John Shin said at 2015 Vegas Momentum: "Recruiting is the name of the game!" Trouble is, when you sign WFG's AMA, you lock yourself into a bunch of non-competes that last up to 2 years. Just search on "WFG AMA pdf" and look under Glossary and Explanation of Terms." You'll find all that spelled out there. Folks, you're much better off avoiding those non-competes and steering way clear of WFG.

Go straight to reputable non-MLM captives and IMOs. If you want to get ideas on good ones, start by searching at Insurance-Forums dot com Thanks for reading this and good luck.


Hi all. I have been with different IMOs.

Some of them gave 100%, 95%, and in WFG, yes I started with 35%. That being said, the big commission IMOs required you to be on top of your game. Most of them don’t really give you a hands on training. Yes, they will give you all the tools, pdfs, webinars, call trainings, but will still lack that personal touch that WFG can give.

But if you are starting and don’t have experience in the insurance industry, it’s good to have someone walk with you on any client presentation. That mentor doing the presentation with you gets the override on your sale where you keep 35% while you are a training associate (require license). That is making something. Compare to big commission of 70% but you are lacking the experience and the credibility of being in the insurance industry.

Once you loose the sale you will make $0 of 70%.

So if you are new to the business, it will be a good idea to start with an IMO that will help you and support you to becoming successful in the industry.

For experienced agents, you don’t need WFG to help train you. There are lots of IMOs out there that pays higher commissions than WFG.

But you have to be certain that you can work by yourself. Because 45% commission of something is always better than 80,90,100% commission of nothing.

Vishnu Hhf
reply icon Replying to comment of Guest-1393539

GritFES, please see my above response to your comment. Thanks.

Vishnu Hhf

Dear "Anonymous" #138****. I read this review.

I found it *spot-on*.

This author Totally. Nails. It.

WFG is one awful abusive exploitative wealth-destroying MLM that all folks should AVOID like the PLAGUE.

Anyone who reads this review will see that the author took great care to give his sources. Including *WFG's own numbers*

Now "Anon" let's look at you. You're a total unknown who claims to "have a Ph.D." Yet you give your broad opinion of this piece and meanwhile you totally FAIL to give even a shred of evidence for your airy rebuttal. "Anon" did you know that the essence of proper scholarship is to *back your thesis with solid evidence?* Guess not!

"Anon," where did you find your "Ph.D.

?" In a bubble gum machine? Or maybe an online site from Deep Web U.?

To recap "Anon." This reviewer amply sources his evidence.

You fail to give us ANY evidence. I'm sure the smart reader will know whom to believe :-) Thank you for reading this and please have a good day.

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