Anonymous

WFG/Transamerica......Someone stop them

This is the kind off junk craigslist is letting on their site. It specifically says that no MNL companies are not allowed to post and that you must offer straight up hourly pay or salary. I was noticing some in the Denver area so I looked down to Colorado Springs and Pueblo and there all over. These new brainswashed agents are regergitating the same things there predecessers said before them. The sad thing is that they think no onel else is saying this crap. Sell the dream baby! They have been saying that there going to open a new office every month and none ever do. This company makes big promises and never delievers. I wish someon could talk some sense in to this agent -------------------------- Financial Services Career Opportunity (colorado springs area) I am a Registered Representative with Transamerica Financial Advisors, Inc. . We are currently experiencing rapid growth in the area. At this time, we are needing to staff at least one new office location here in the Colorado Springs area. To meet this need, interview opportunities are available for persons who are business/finance oriented and looking for a career change into the lucrative Financial Services field. An updated Resume, set of at least three references and willingness to attend our corporate overview are required to help determine if this could be a proper fit for you. If interested, please contact Lori Belzer at 719-573-****. Please respond before November 21,2013. Thank you. Lori E. Belzer Registered Representative Transamerica Financial Advisors, Inc. 719.573.7622 Location: colorado springs area Compensation: $60,000-$90,000 first year earning potential Principals only. Recruiters, please don't contact this job poster. Please do not contact job poster about other services, products or commercial interests.
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4 comments
Guest

Flag the ads. That is all you really can do and hope enough others do as well to get the ad removed.

You can also post warnings on craigslist. Anyone who researches this "opportunity" will know enough to avoid them.

Guest

I can possibly understand your concern but this is not the way that the company works. This is and has been presented to you in the incorrect fashion.

It is not a scheme and it the goal is to help improve lives.

I am an Agent and have been for only 3 months but I do know that you should not have received an email like this.

Guest
reply icon Replying to comment of Guest-796856

You have drank the Kool Aid - get away from this scheme - you will never make a dime, and the only people you will help are those running your office who are keeping their spot on the pyramid and taking fancy vacations and enjoying other perks because....they have recruited people like you, who will bring in other people like you to be agents (that's really what you do all day, right? Find people to "help" with a great new career "helping people?"

Guest
reply icon Replying to comment of Guest-814860

I've been on board with the company almost a year now. I'm doing very well.

This company and business platform is definitely not for everyone!!!!

You say we're only helping the people "running" the office.... so how do you think those people got to where they are at? It takes time to get to that level.

It sounds like no one has taken the time or you haven't given anyone the opportunity to really give you a breakdown of how the business platform is designed to function. I hope that you would set up several meetings with individuals (with sufficient experience) that can supply you with that info.

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Anonymous
map-marker Santa Ana, California

World Financial Group - Review in Financial Services category from Santa Ana, California

WFG is the best opportunity I could ever find. High financial education.

That's something that you have to experience to understand the benefits. Thanks..

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Reason of review:
Good quality
10 comments
Guest

Lol ya they teach you how to lie and push people to

Recruit them. They talk about how the stuff you learned at WFG, you won't learn in college or anywhere else. Ya because colleges don't teach you how to be part of a cult for your career choice!!

Guest

Wow, how informative.

Also, why experience a horrible job when several reviews have the same similar stories? Notice a pattern??

And only a sociopath says that they like their job at a place like WFG. So looks like we've got another one who sold their once empathetic soul for money.

Prudencio Zlt

“High financial education.” In your money-grubbing dreams! WFG teaches you how to deceptively sell convoluted fee-choked policies that suffer an appalling lack of guarantees to low-info folks who can least afford them and have to drop them them and lose what they put in.

WFG sure doesn’t want you to know about all the little landmines Transamerica hid away deep in its xUL policies.

You know. Just in case you might start feeling guilty for flogging these bloated Trojan porkers to the unsuspecting.

Guest

But the majority of the "high financial education" is recruit, recruit, recruit.

Prudencio Zlt
reply icon Replying to comment of Guest-1142003

WFG Corp back in John’s Creek Jawja, they know precisely how to scud along the “pyramid scheme” borderline. Do “3/3/30” so you sell as many bullcr*p financial products esp FFUILs (3 pdts) as recruit new victims (3 victims) all to stay oh-so-barely legal.

Meanwhile Anon, as you said, flog the faithful to “recruit, recruit, recruit” because, as my recruiter elegantly wrote to me: “how much can u sell?!” It’s life ins guys not soaps and face creams. Usually you sell one policy per person for life.

But sit back and wait. Sooner or later enough of WFG’s “independent contractors” will blast over that sell/recruit borderline--and document that overwhelming recruitment focus in emails, web posts etc--to firmly establish a pyramid scheme pattern.

Then the Fed and State Regs will “WHOOSH” in.

Just a matter of time. Get the popcorn ready.

Guest
reply icon Replying to comment of Prudencio Zlt

You know, Farmers has its own 3-3-30 as well and they're even worse. When I sold for them my guy literally told me this in regards to selling my client an affordable product: "Your client only knows the price you put in front of them, so even if you know that this life insurance from farmers is more expensive and unnecessary for the person, sell it to them anyways or else you won't get paid, oh and by the way I will get 80% you get 20% commission, which means I need you to do 20 P&C and 10 Life, also I need you to actively search for new agents.

" they stress recruiting because we are tired of that kind of old mentality from the old industry. We want people to stop having a middle man and you become your own advisor. Stop judging us on a few bad apples and you yourself should do the Licensing exam, do the continuing education for AML, Ethics, LTC, annuities, take the securities classes to get securities licensed. Tell me I'm in a scam when my name is in the securities exchange commission and AEGON (our parent company whom we are a subsidiary of through transamerica) owns 20% of the California State Retirement fund.

You went to the wrong place. They push that IUL because it's been the #1 IUL + Life product for the last couple of business quarters. But me myself and I push that last. I literally find myself quoting 5-6 products and making sure they know the value of each and the price based off their Financial Needs Analysis.

Please do more research and come to a good Wsb office. All offices have a different way to do things but the workshops stay the same.

Prudencio Zlt
reply icon Replying to comment of Guest-1145892

Anonymous, let’s take a peek at your straw man arguments and general nonsense that comes straight from WFG's playbook.

You say: “...Farmers has its own 3-3-30 as well and they're even worse…” Anon lemme get this right.

You suggest we should consider WFG’s very dubious “opportunity” because in your opinion, “Farmers ...is even worse? You limit our choices to “awful” and “more awful?” Anon, how bout trying to find “good?”

Anon, you say: “...We want people to stop having a middle man and you become your own advisor…” Anon, what does “advisor” even mean? I have a few Qs for you: If you decide to leave WFG, can you take your book of business with you? Those clients you fought hard for and the ongoing income you get from them?

Can you take your downline with you? Can you move up the pyramid without upline approval? (Rhetorical question, folks. The answer is: NO you CAN’T.) In the end Anon maybe you’re just a contractor who pays for everything--some training, books, travel, etc--meanwhile you are restricted in your ability to perform independently?” Anon this sounds more and more like the J.O.B.

all the time. Except worse.

Anon, you say: “Stop judging us on a few bad apples…” Anon, you sure have WFG’s crib sheet memorized. Guess what?

The WFG structure sets the stage for pervasive and institutionalized deceptive and unethical behavior going WAY beyond “a few bad apples.” This MLM encourages its contractors to *restrict information* to its prospects, both to customers and to fellow associates. Check out this beaut, 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.” My personal experience reflects this and more. My recruiter did everything he could--and succeeded--to keep me from reading the TA’s FFIUL policy, WFG’s flagship product.

He couldn’t answer basic questions like “what are the guaranteed maximum fees?” and he *owns* this policy and is locked into really high fees and onerous surrender charges that extend out 15 years. The compensation structure encourages unethical and even illegal behavior in other ways too. It’s true WFG doesn’t directly pay you to recruit, but it awards points for you to recruit, and 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” [i.e.

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 violate pyramid scheme laws.

Anon, you say: “...Tell me I'm in a scam when my name is in the securities exchange commission and AEGON (our parent company whom we are a subsidiary of through transamerica)...” Anon, bully for you and your august SEC reg! You follow in the wake of Bernie Madoff, Sam Israel, Charles Keating, Ivan Boesky, and Michael Milken, just to name a few legendary scammers. As far as Aegon purportedly owning WFG?

WFGers keep parroting this CW. But can’t anyone offer actual proof? Anon, you obviously just ignored all the evidence in the review and keep mindlessly mouthing the party line. I’ve been asking for someone to point us to an official filing that clearly states “Aegon owns WFG.” If it’s true, Anon, how hard can that be to find?!

Finally Anon, you say this: “...They push that [Transamerica FFIUL] because it's been the #1 IUL + Life product for the last couple of business quarters…” Really Anon? It’s “#1” according to whom? And based on what metrics? Unit sales?

Pet Rocks and plastic wishbones racked up impressive sales. Doesn’t mean these are good investments. Maybe you can back up what you claim with a link or two from reputable sources? You know.

Only if you want to. Thank you.

Chequita Twq
reply icon Replying to comment of Prudencio Zlt

William3, why are you so *** bent on smearing WFG? I've been with the company several months now and have not seen any of the unsavory practices that you keep mentioning.

In such a large company I won't venture to say that it doesn't happen at all, but I've been to company events, on webinars, done tons of training etc. and haven't seen it. Why is there such an emphasis on recruiting?

Because the industry needs hundreds of thousands of new financial professionals to keep up with the demand for our services. So why not structure the company in a way that rewards you for building a large organization?

Prudencio Zlt
reply icon Replying to comment of Chequita Twq

Look LastChance2016 it’s all fine and well for you to post your purportedly positive WFG experiences for us to read. But we have no idea who you are, and as the famous New Yorker cartoon goes: “On the Internet, nobody knows you're a dog.” Instead of issuing indignant objections to what I say, it’d be great if some JUST ANSWERED MY QUESTIONS and ADDRESSED MY POINTS.

And backed them up with links to credible sources. If WFG’s totally on the up-and-up, how hard can that be to do?! I’ve never seen so much bob’n’weave’n’just plain ignore. Speaking of which you say "...the industry needs hundreds of thousands of new financial professionals to keep up with the demand for our services..." Really?

*Hundreds of thousands of new financial products sales people?* Where’d you pluck that opinion from? Got a source?

Guest
reply icon Replying to comment of Chequita Twq

Yes you did recruit 197,000 new recruits in 2015 not because they are needed on the field,because they are needed to feed the top with the soft market(family and friends) that are taken advantage of...those recruits are not making money thow and they are selling financial products and insurance with 50 hours of training and an exam and now they are experts(agents).Would love those who tell themselves they are experts now to be taken care of with a MD that has a total of 50 hours of training...lol!

756 million in commission paid by WFG in 2015 for 53000 agents and 197000 NEW recruits,so do the math and remove the top 0.8% that made 50k or more and all the rest average 2k a year in commission.Yes that's 5 time's less than the poverty line.

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Johnmark Tbu
map-marker Columbus, Ohio

Insider's Review.

WFG is a "dream come true" for those who dream to work 15 hour days, 7 days a week, 364.5 (They get a half day off for Christmas, IF they choose to).

They lure you in with *** like "you can make 60,000k by the end of the year, and 6 digit figures by next!" And while you CAN, it's very unlikely. You spend hundreds, even thousands signing up for all the classes they offer, for all the licensing classes and exams bur six months down the road, you realize you have no income, no benefits, and non-stop phone calls from the "leaders."

They give you fancy names once you've earned a certain amount, like Marketing Director or Senior Marketing Director, but all that is ***. You can be a Marketing Director but make less than someone who works at the local grocery store down the street. And the people who rise to the top? They get there because their "team" is doing the work. You work hard for your clients, your manager gets a cut. And then your managers, manager gets a cut, so on and so forth. So really, what you're getting isn't a really "good deal" since there is a whole lot of people getting part of what you worked hard for.

They tell you that this job isn't everyone. And in my opinion? This job shouldn't be for anyone with a pulse. It's important to have a work and life balance. And this job does not. Everyone in the company works from early mornings til, well, early next morning. The brain-washed WFG convinced themselves that this is a good life style, and they are working for the future. "Hard work for fifteen years and retire early and be set for life." Not even close. I see these people every day, and WFG sucked the years out of their life. And it seems like the more money they get, the more greedy they get. EVERYTHING is about numbers here.

Agents, MD's, SMD's, EMD's, CEO's: You can't take money to your grave, so live a little.

And the worst part of this company? They recruit college grads by telling them that this is "an opportunity of a life time." They give them hopes about a job and give them the whole spiel about this "great company" so they drop what they are doing, join this company, and three months down the line, realize that it's not going anywhere and they are still broke, but this time, the "real-world jobs" already hired their new batch of college grads, therefore, have to wait a few months before those new college grad jobs become available again. So college kiddies, my advice to you is to, stay away.

Until I can find a better job, I'm stuck being the office's *** until something better comes along.

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9 comments
Guest

I am with WFG. From the beginning, its important to note that I love this company and have had a good level of success here.

I have also trained dozens of people who make a six figure income. However, I think that pretending that none of these posts are true is naïve. I have also seen many agents sold on the merits of working crazy hours now so that you can live the life you want later. I agree fully with the individual that posted their experience.

Most of us already have a dream life. We need but look at what's right in front of us. We are so blessed to live in a great country, have the basics of life and people who love us. I have found that by working with passion and efficiency you can have a great life at work and at home.

I have never worked Saturdays or Sundays, yet still managed to build a solid business with residual income. The biggest benefit is a team that we have built over the years that has become like family.

WFG is not for everyone: It is not a perfect company. But I can honestly say it has been a great place for me to build a solid business and raise a family on a balanced schedule.

Cheers!

Guest

I don't get it. Thousands of dollars on licensing?

Yea right.....but regardless any licenses you get you take with you. They are not some kind of irrelevant WFG proprietary licenses. If you didn't want them in the first place, why did you get them? Sounds like you are just plain in the wrong business?

And why are all these people in the office? With the exception of a meeting with a manager, why are you in the office?

You should be out with a client or home doing work or enjoying life with family and friends!!

Guest

You are obviously not an entrepreneur. If you owned a store you would be putting all your time in there or it would fold, right?

A restaurant owner would do the same thing. In the Financial industry, there is something called Trails and renewals with are very similiar to royalties...they pay even if you don't work but you have to put the business in place before that happens. So yes, World Financial Group agents have to put in alot of time in upfront for a better life later on; like any business owner. Eventually, their income and efforts compound.

Learn about the industry before you critisize it. Check out www.researchwfg.com and the product providers for a start.

Guest

I worked in a high rise that had an office for WFG reps...The people that ran the office were o.k. when they were not pushing their business tactics in your face.

I got to know the head of that particular office and learned the ins and outs of their business after months of chit chatting with him during smoke breaks. The success rate that they brag about is in the single digits for most new recruits. Bottom line from my observation is that if you are a great salesperson you could be one of the few that succeed in their line of business, the rest just alienate their friends and family constantly by trying to recruit everyone they know until they realize they were not cut out to sell insurance products for AON, (WFG is a subsidiary). Years passed since I had worked in that building and one day out of the blue I recognized this man getting out of a handyman service van at a shopping center.

To my surprise it was the the guy who I used to have smoke breaks with who ran the WFG office where I used to work. He was shocked as I was that we crossed paths after so many years went by.

I asked him what happened and he told me he got clobbered by the economy and a subsequent divorce since I last saw him. He clearly did looked humbled and went to work dismantling a retail space that was being vacated at the shopping center we were both standing in...Talk about *** hitting the fan!!!

Guest
reply icon Replying to comment of Guest-613594

I think you have something backwards...WFG is not a susidiary to AON. In Canada, AON is one of the product providers that is partnered with WFG.

WFG is owned by AEGON and partnered with Transamerica as well as many other financial firms.

As with any career path, there is a time and place in ones life. Most people with work multiple careers before they retire because life happens and they move on.

Guest

It\'s me again!Before I forget I want to say that I relaly love your painting on the easel!I understand that this is your vision or it was at the time of painting?I enjoy reading about the different ways I can do something with my life. I suppose we all have a vision of ourselves which is different from either how others see us or even how I want to se myself. The only thing is that to realise my VISION I have to DO something and I suppose I am just comfortable with the way things are even if I am not relaly satisfied with the shape of my life.I will contiue looking thro\' your exercises and I do get encouragement from reading what others have written about how your workshopr and YOUR VISION has helped them.Thank you for opening my mind to the fact that I can REALISE my DREAM and live my life more EFFECTIVELY especially once I have clarified it !.Resel.

Guest

Natalie,

That was simply MY review. MY take on the company. Don't tell me what I see going around the office that I work at is wrong. It may not happen at your's, but it definitely does at mine and the other two offices I go to.

And I didn't feel like I contradicted myself. While you CAN make $60k a year, it is very highly unlikely. The time and the effort people put in this company is not worth it to ME. Notice, I emphasized the "me" part. I understand that parents want a better life for their kids and by making their own business, they make more. But honestly? I rather have my parents spend time with me then making a few thousand more a year. I see these parents miss family gatherings, their kids birthday parties, dance performances, etc. because they have a client to meet or a conference to go to. And it hurts to hear them say, "I can retire early and then spend time with them." But by that time, their kids are too old to want to spend that time with them. They've already distanced themselves from their parents since they were gone for most of their childhood. This doesn't happen to EVERY WFG agent, but I see it happen enough.

I don't speak for anyone but myself. So no need to get offended and saying my take on it is wrong.

FYI, if you wanted to be taken seriously and actually represent WFG, show it. Don't type like you just got out of middle school.

Guest

Almost nothing that u said is true, it's crazy talk saying that in WFG u have to work 15 hrs a day 7 days a week and all that other non sense. In wfg u are your own boss, it's your business, you work when YOU want.

You contradicted yourself by saying "you can make 60,000k by the end of the year..." and then u said at the end.."and while you CAN, it's very unlikely" UNLIKELY for the people who don't work hard and bust it..and yes u spend a couple hundreds to get your license but u have the state to thank for that..they require the licenses..but just the life-license will pay you back 100 times what you invested to get it. You obviously didn't understand the fact that if you are going to recruit someone..spend YOUR and YOUR LEADERS time training them, showing them everything, and building them, in return you will get a pecentage of their sales..it only makes sense..if they made the sale they get 100% commission, if u took them out and u made the sale and they are licensed it's 50/50 commission, if they are not licensed they can't get paid..and again thank the state for that..where in all this is there ***?? If you have a team that means that u went out there and found yourself some people, taught them everything u know and now they are doing the same..in order to get promoted there are guidelines of how much business your team has to produce and how much YOU have to produce..it CANNOT come ONLY from the team..that is very unfair..it has to come mostly from the leader!!

and about hiring college kiddies..you are wrong again..we will give anyone the opportunity of course but we prefer to work with people 25 yrs and older, married, homeowners and have kids..they see the value in what we do..we are not looking for people with no job..that says a lot about a person..so get your facts straight before u try to bash a 500 billion dollar company like our parent company Aegon..why would Transamerica joined us if we are so bad? simply because we are not.

Guest

I can totally understand the complaints about WFG and I here to compliment them. I have been self employed for the past 4 years in Business Consulting and assisting mainly small construction contractors in finding services and start up capital.

I checked many places for services that were a custom fit for their needs at affordable pricing. I found WFG to be the best company out there to provide these services. They are professionals or they would not be allowed to practice business in our province. Maybe you should look at other businesses that supposedly supply these services.

This is a good company to be part of.

It is not a right fit for everyone, but it can be with a little patience and guidance. Take care.

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Anonymous
map-marker Seattle, Washington

Losing my wife to WFG

This company is taking over my wife hard work and no return. I have not see a pay check yet!

She have been working for this company for five month already all I see is more mileage on our car and spent more on gas and no pay check.

Every time when I brought up about the wfg she gets mad and don't talk to me for days all I ask is wfg please return my wife to me and don't tire her out she works hard enough for the company already and no returns. My advise to people this company is not a job it's a counseling business companie that show you how to save money nothing about working getting pay check or a raise

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29 comments
Guest

You guys are evilllll telling the poor man than his wife cheating you are f of bulls exactly like the guy of Enron were. She is not making any money and the poor man wants her to get out of this *** brainwashing machine.

Keep your *** evil comment for you. and go to ***

Guest

Thousands of new WFG BUSINESSES open every month.Most will not make enough money to live on and those who do make it by being the go between the insurance companies and the products they are selling.Wfg agents make there money on commissions and that commission comes 100% off the family and friends that are duped and comes out of there retirement portfolio or higher premiums...that's the trick...don't care for your family,make 50$ commission on there 400$/month retirement plan,this business is for you....now go on to your weekly trip at vegas so you can be brainwashed on how good you are and how to skim a few more $$ from your family and friends!

Can't wait a few years when 15 of my family and friends become millionaires...I just want to see it happening...lol...that's what they say anyway?

Guest

World Financial Group *** ***. LSW is getting sued for selling *** IULs.

It willbe a matter of time before you guys will get put in the grave! Hubert Humphrey created a devil spawn!

Guest
reply icon Replying to comment of Guest-925210

Let's pray together, that they close I lost my BF, same attitude gets mad etc... Never there I had to leave.

Guest

You can make millions with WFG. If you are making less than $100k a month you are lazy period. Come on quit being lazy!

Guest
reply icon Replying to comment of Guest-823066

if you're making millions,open your books,all wfg agents open your tax audits and let's see it....posting anonymously doesn't prove anything.i made 1 billion last year and I didn't work at all...so hey it's easy to inflate fake numbers....but that's not the purpose,this is a marketing scheme to make people believe they will all make big money!

Guest

Is she licensed (State License for Insurance) yet? Does she know that you have to be "licensed" to get paid?

Otherwise, points continue to accumulate until she get her state license, then she will get paid.

You have to ask her MD or *** (upline). :)

Guest

Be patient with your wife. She needs to get trained and licensed before she can earn money.

Once she gets her license, you will see the money. Give her your support.

Go to the office and see what she sees. She is probably trying to build something wonderful for the two of you to share, support her.

Guest
reply icon Replying to comment of Guest-693755

I've supported my fiance for 3 years with this company and its garbage. I'm in the same situation, I've been to the BPM's, I pay for her trips, I give her referrals, but still no paycheck.

And still there she is working hard for this company and every time I try to talk her into getting a regular job, not to quit, but just some sort of part time thing to help with the bills I get yelled at and somehow I'm not supportive. WFG is a life drain, its manipulative, and it just plain sucks...

Guest

Don't blame the company If you are not making it. Huge opportunity is given to those who are with WFG.

But it is their choice to make it or not. Nothing is easy in life. You"ve got to work hard to get to where you wanna be.

For the one losing the wife...maybe it's time to see for yourself what WFG is all about. As you have written here that your wife works hard, you on the other hand should do the same.

WFG ROCKS!!!!

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Ractun
map-marker Houston, Texas

World Financial Group

Ok, have a meeting with a representative with WFG. I had seen an ad on Craigslist about being an entrepreneur in the Insurance Industry. Answered the ad, no resume, no references or anything. Get a call from a representative and am told I have the necessary experience and I am already licensed, so that is not an issue. Was told by the rep, that he places an ad everyday in Craigslist but words them all differently and has been doing this for the better part of 2011. Met with the representative, and he told me he had three people currently working for him. (In this economy, you run an ad everyday for the better part of a year and only have three people working with you????) One person was located in Maryland, I am in Florida and the other two were in Florida. He also mentioned that he didn't hear back from one of his recruits in Florida. So he has two people??? He told me to come up with a list of possible prospects/recruits about wanting to get involved in this kind of business. I wouldn't know anybody who would be interested in this type of business and really wouldn't feel comfortable about talking about it. I've heard this so many times in the insurance industry, "Just tell your friends that you are embarking on a NEW CAREER and that you would like to talk to them about it. My friends aren't that ***, to know what that implies. He showed me pamphlets with three different marketing strategies and asked me which one I was interested in, just met the man, I think I should have been able to read them and not go by title alone. Also, he told me he would like me to go to a convention this February and I am sure it would be at my own expense. Vague answers, working towards the dream, recruiting people etc. is not really my idea of an entrepreneur and definitely not my idea of a job.
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4 comments
Guest

insert Twilightzone theme..... As God is my witness, I will never go hungry again...

Guest

To WFG Agents, don't be afraid to tell the world we are who we are. Don't try to hide behind the bush and get people to come to your meeting for wrong reason.

Be upfront and let all your prospect know that this is not an hourly job or salary job. This is an independent work opportunity. If they say no to that, you won't want them anyways.

Be truthful, transparent and upfront. May God fight your battles for you.

Guest

Dear Ractun, I have worked with WFG for several months now and I am here to tell you that it has been a very good experience. They have a great business model and really do try to help people.

It has been the opportunity I have been waiting for. I was tired of working for someone else in a job I was not interested in. This gave me the opportunity to work for myself. It does require a lot of training, but the finance industry does not only have to be for finance majors.

By getting the licenses you learn a lot. You get those licenses through the government, not WFG. Yes, they do have a lot of meetings that are very motivational, but that is a good thing. Yes, you have to recruit if you want to build a team, but you don't have to....you can do the work by yourself if you choose.

It is up to you. Besides, wouldn't you want to give your friends the same opportunity to work with you and not for someone else? Yes, you have to spend your own money as an independent contractor, but you can write it all off. Because of WFG I got the biggest refund I have ever gotten in my life.

Anyway, overall I am very satisfied with this company, and I am glad I have stayed on and keep working harder each day to educate families about their own finances and ways that may help them. I'm not sure how that is a scam or a bad thing? Also, have you looked at other industries? I have friends in the real estate market who are miserable.

They do tons of work with very little pay. I have friends in apartment management that are miserable. They are jealous. I am not out to recruit any of them.

I merely let them know what I am learning and what I do, and if they want that information, then I will be happy to share it with them on my time and on my dime because they are important to me. However, I never set out to recruit anyone. I want to help people, especially the people I know. If people want to join me in my effort, then I will encourage them because I think it is a very good business.

I enjoy the meetings and everyone I work with there. Yes, I have seen some of my business partners become pushy, but some people are just competitive. You see that every day in all sales positions. At least you do not have to do cold calling or go door to door.

You do not have to be pushy. I am not like that at all!

Guest
reply icon Replying to comment of Guest-436898

Very well said Jen. I too have been with World Financial Group for a while and I find it a fantastic opportunity.

I served twenty-nine years in the Air Force and when my time was up, I was looking for somewhere that I could continue to serve people and make a difference. When I sit down with a family, I'm looking for ways to educate them on how money works, possibly restructure what they are doing financially so that they pay less in taxes or debt servicing. I strive to help them keep more in their own pocket and protect their family so that, should anything happen, their family will be able to keep their home and continue with the same or better level of comfort. I love the fact that I can meet people and get into their world to make a positive difference in their lives.

Yes, I would like to build a team; we need to because alone I'm limited in the number of people I can help. If I train people to go out and help others we can truly make a difference. World Financial Group is the only place I've ever know that is a true "Win, Win, Win, Win" scenario: The client wins because they can get free help through financial education, The partner product companies (ING, Nationwide etc) win because they get more clients without training the sales force directly, World Financial Group wins because they are growing and the agent wins because the commissions can be quite substantial for the time spent.

When product companies sign on with World Financial Group, they rise to the top of their market in revenues. I find that we don't need to be pushy for recruits: people decide for themselves what they want to do.

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Anonymous
map-marker Cape Coral, Florida

World Financial Group

I receive between 5-6 phones calls a day from this company. I had just checked my missed my calls and I missed 32 phone calls in the past 4 days. Two were actual people I knew. I don't know who they are or have anything to do with them. If you go to their website there is no place to "Contact Us". When they phone, there is no one on the other end and if you hang up right away they immediately call back. I do wonder what would happen if you actually did know them or owed them money. I just wish they would stop calling or that there would be some where that the phone calls could be blocked.
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4 comments
Guest

No one would ever owe World Financial Group. They have no products and their primary focus it to help families get out of debt, save for their future and protect their families from financial hardship should something happen to the breadwinner. They recruit so that they can reach more families to help

Guest
reply icon Replying to comment of Guest-693714

oh stop the lies. are they paying you to post this stuff?

Guest
reply icon Replying to comment of Guest-693714

Get out of debt ? are you kidding...

you put people into debt.

You prey on the weak and vunerable. Any company that is afraid to tell you who they are before you can meet with them has obviously something to hide.

Guest

You've got the name of the company wrong. You've been getting calls from World Finance, but you're trashing World Financial Group, which is a marketing company for Transamerica.

World Financial Group doesn't loan anyone money. Wrong company.

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Anonymous
map-marker Toronto, Ontario

Scammed and Lost our Cash

2 years ago 2 financial reps came to my house (one of them was a family friend) to sell a life insurance plan for my husband and myself. We were not given a medical and were told that the actual cost of the life insurance was $70 for both of us.

They also wanted us to add another $70 in a separate pool of fund which totaled to $140/monthly. We were told that the extra money we were putting aside "we can take out anytime we wanted. Treat it like a TFSA and use it as an emergency fun."

2 years pass, I'm losing my job which initiated the phone call to my rep to ask to redeem that extra money we were putting aside. During the span of 2 years, my husband and I saved over $2200.

When I asked him to redeem the money he was dumbfounded. I will never forget the look on his face. He didn't know how to answer and was basically told we cannot take out that money. "Excuse me?" You can only imagine how me and my husband felt.

We were asking lots of questions to our rep and he couldn't answer 1. He also continued to give us false hope and false information. To make a long story short, this company works as a pyramid scheme. Each time a rep recruits another rep, that rep gets paid commissions.

They are recruiting people that do not know their products and are not educated on the products they sell to innocent people. These reps focus on selling life insurance plans to family and friends without knowing what these plans consist of. They make the plan sound so great but miss to mention the real facts. They just want to sell, sell, sell.

Do not trust this company.

They are a bunch of scammers.

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Loss:
$2200
21 comments
Guest

WFG indexed universal life works great for term 15+ years. It's good for retirement and for college saving for little kids, and of course as family protection.

If you need imcome replacement insurance you have to tell agent about it. If you plan to take money after 2 years, put on saving account . 2 years is too short to get great benefit what this product offering. You can plant potato in April and take out in may - you get nothing , if you wait till fall you harvest allot!

Think about it.

I believe you didn't read contract and now blame agent. Policies have 10 days free look. You can cancel and get premium back.

Its true that some people better in profession then others, good teacher-bad teacher, good hair dresser/ bad hairdresser, good cook/ bad cook.

It's can happen in any company . Big banks also can scrue up your 401(K) and you will waits 5 years.

Guest
reply icon Replying to comment of Guest-800073

Hello,

I am working at a company in Silicon Valley and having part time in WFG myself. And I would say, the one to be blamed is the agent.

As per the original poster said, the agent could not answer the question of the poster. As an agent, he/she should have understood the plan that he is selling to the client. As a certified state licensed agent, he/she is supposed to help family, and not to trap them.

For the original poster, I suggest that you report the agent. If you are not sure whom to contact, then contact the supervisor or the company office/branch near your are.

I'm sure they are willing and able to assist you.

However, I would like to emphasize that this is the agent misconduct, and not the WFG itself.

Please try to understand the differences.

No matter which company you work at (even in Google, Facebook, Microsoft), there will always be a bad apple in your team (someone who performs less than others). It's the same as WFG, there is a bad agent among the good ones.

Thank you for your understanding.

Guest

Sorry to hear it. It is very true, a lot of people have fallen for agents as such.

They are licensed, but that doesn't mean they are experienced. Anyone can study for a few days and memorize a few hundred questions and pass the exam, what makes you guys think you have the right to play with peoples hard earned money. someone should be recruiting volunteers to gather in front of WFG make shift offices and raise ***. ***, raise awareness.

First group of people getting mugged by this company is friends and relatives. How sad is that!

Malaysha Pba

I feel sorry to hear about this person's bad experience. Losing money that someone earned and needs can be very painful.

I work at World Financial Group (WFG). I'm an agent.

We don't get paid for recruiting.

I know 100% what our plans do. If clearly understood by clients, some of our plans help poor families to become middle-class. They help middle-class families to become wealthy. I feel grateful that so many people benefit from our company's services. For example, my mom will be able to grow her savings 4.5 times. That is 450% growth over the time that she plans to invest into a savings plan.

I'm very sorry to hear that some representatives of our company don't disclose full details of how the plans work. If an agent helps a family open a plan, they need to ensure that each family member involved understands how these plans work. The point is for each family to benefit as much as possible from the financial advice that our company representatives provide.

We, representatives at WFG, need to ensure that all of our agents receive sufficient training to perform the best possible service for clients. Each agent needs to explain very clearly how each plan works. Clients need to understand all the liquidity restriction before they make a decision to invest into a plan.

-Rasa

Guest
reply icon Replying to comment of Malaysha Pba

buddy you gave a very good info about WFG. it is totally True.

I support your all facts.

Kamal Panesar

1-78*-***-**** cell

Guest
reply icon Replying to comment of Malaysha Pba

So what do you get for bringing in a new recruit? I find it hard to believe that you don't get any compensation for bringing in someone new.

If you don't get paid a commission, then what incentive do you have to recruit in the first place? I suspect you're not giving full disclosure here. All MLM's require an individual to create a downline in order to grow their own income. I'm sure you must get a percentage of whatever your new recruit sells.

Again, otherwise why would you do it?

Be truthful here.

As far as your mother being able to grow her savings by 4.5% - the operative words you used were "will be able to." "Will be able to" is a far cry from any tangible solid fact. Just like with any financial tool, there are no guarantees that it will be successful.

Guest

It blows my mind on the information that I am reading on this website about WFG. I am a current agent here, looking up some information to better myself.

It seems that the people posting on this website have been misinformed about what was going to happen. You invest (yes invest that means you need to be disciplined-that means paying yourself first, being consistent and this will be a long term commitment) this investment will be for retirement, and on top of that, it is geared to help family not make them poor. An angry misinformed person will do so much to vent on the website but does not want to leave their name says a lot to me. Taking responsibility for signing up and giving the money to that person that the trust was there with in the first place says a lot.

I say this to all my friends I am here to help. I was in the Military as a Medic and wanted to help so many more people, because everyone knows where to go to get medication and who to talk to about an illness, but no one knows who to talk to or trust about managing money and having it work as hard as that person is working to make it.

That is my two cents as a "rep" myslf and if you are not here to fix the issue then stop complaining about it and move aside to let the people that want to fix it speak.

Guest
reply icon Replying to comment of Guest-716927

Why do you feel entitled to judge and belittle the people who write in anonymously? You don't know what situation they're in.

Perhaps they are embarrassed or ashamed of having been victimized and simply don't want to identify themselves for fear of ridicule. Perhaps they feel they were blindsided by a family member or close friend. You would do well not to make categorical statements.

I'll have to take your word that you're an honest rep of WFG because I don't know you.

You making the assumption that everyone who posts something negative here is either "angry or misinformed" blows my mind and reveals that you are drinking WFG's Kool-Aid. I'm sure there are honest reps at WFG but I certainly wouldn't do business with you because of your arrogant attitude of being a know it all.

That's my two cents!

Guest

Please tell us what insurance policy you bought? Term or Whole or Universal?

and is the company name is Transamerica?

I suggest you that ask to the company from where you got all those terms and conditions. WFG is only the agent, if that agent leave that Transamerica should give you the another agent time.

Guest

In order to make money through WFG you have to sell financial instruments to your friends and family who may not understand them. You may make money, you may do that by making other people poorer.

If that's something you can live with then go ahead and do it.

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Anonymous
map-marker Vancouver, British Columbia

WFG Consultant Errors

Wow! WFG is a disaster. My girlfriend was approached by a friend that had become a WFG Consultant - they had some great conversations, my girlfriend expanded her knowledge of investments and from there decided to take her friends advice and invest using WFG. The WFG Consultant recommended a TFSA and a Universal Life Insurance policy. At the outset, both investments seemed pretty good - the TFSA was invested in a decent fund and the numbers looked good on using the cash value of the Universal Life Insurance as an investment. Once the applications were submitted and the documentation arrived the story takes a twist. The MER (management fees) charged on the TFSA turned out to be 3.45%, almost twice as high as is industry standard. This of course is how financial service providers make money, taking commission on sales - WFG sells products with above industry standard fees but people don't realize that unless they have done their research. So, you end up paying more for the same service through WFG. The big issue though became the Universal Life Policy. It turns out that the WFG Consultant didn't know what she was doing and selected a number of incorrect boxes on the policy application form. The result was the issuance of a policy that had such high cost of insurance fees that my girlfriend would have lost not only all of the cash value in the policy but would have defaulted on the policy itself as she would not have been able to pay the COI as years went by. When the errors in the policy were brought to the WFG Consultant's attention - she refused to acknowledge the problems with the policy. She was aggressive, manipulative and tried to take advantage of my girlfriend just so she could make her commission (and she was a friend). While I agree that WFG brings investment and insurance opportunities to a sector of the population that is underserviced - their staff are unqualified to sell the complicated products they offer. They are salespeople not financial advisors. If all they sold were basic investments that couldn't result in massive mistakes like this, it would be no big deal but that isn't the case. WFG's mistakes will cost people their lifesavings. Thank you, Charlie
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18 comments
Guest

WFG is for deceptive people. WFG is give you license to swindle and stay away from jail.

They lie, manipulate their way into peoples home. They start with no pressure info session. Once you gave them room to stand, they make room to lie down.

This is only financial firm, where their agent has whats so effer no financial knowledge or education. People stay away from these swindlers.

Guest

Lot of WFG so called financial expert failed grad 10 math. They have what so ever no financial training.

They will remind you wall street wolf movie. WFG teaches how to fend objections, how to make quick sale. it is all about money in their pocket. I call it small time crook.

They are doing is totally legal. All small sales makes big pay back. Folks stay away. Talk to your bank and their qualified financial planner.

They moto is no family left behind. which means with taking their money and putting in high cost insurance and investments.

Guest

I am commenting as anonymous in case someone reads this and sends it back to people I know. I was introduced to WFG by a friend.

I was real interested in the "education" aspect of the company. Also, the no pressure sales, and if you join them the no pressure in producing. Produce at your own rate. Or so I thought.

I was already working with a highly skilled educated financial advisor. My initial intent was to possibly join with WFG to help with my current position with my current Investment advisor boss. On my initial meeting, it was good, I thought gee they really have a way of training the uneducated. And it was no pressure.

Just informative. The people, most all Asian, were real nice too. I wanted to come to the meetings to learn more. I asked my friend who had only been with the company for 6 months, many questions, and since she was always an honest person, I thought she was really out for my best interest, thus answered the best she could.

I had my children meet with a WFG Financial Advisor and he showed them the IUL (which seems to be all they sell). When my daughter went to meet with him, my Friend was there, but I was unable to make it. My friend txt me asking if it were okay to sign her up as a WFG person so I could get my 3-3-30 going. I txt back, No, not yet, (as we wanted to review the illustrations first) She did it anyhow, as a "gift" to me.

I told her that I had my own plans, and this wasn't the time. She said she would ask her up-line person to cancel the membership, who was at the meeting. I was informed only a couple hours later on that day, that there was nothing they could do about it, and they couldn't reverse the sign up. That was red flag # 1, isn't there usually a 48 hour change of mind rule?

Red flag #2 came when my friend kept txting me that night. I missed the txt as I had turned off my phone, so, she thought I was mad at her. She finally said in a txt, She can't understand why I would be mad, she is out more than me, and that she spent a lot of time with me. She also confessed that this "gift" for my 3-3-30 was to surprise her husband that she made Senior Marketing Director for the month.

So, the gift, was really a selfish gift after all. Red Flag #3 came when I asked the Financial wiz for the Client illustrations verses the Agent copy he sent. He replied, "What do you need that for? if you have any questions, just ask me".

For the record, and for others reading this post who are unaware of the Client illustration, the illustration provides the client with all the details of the policy. This is very important to have so that the client has full understanding as to what they are signing up for. Finally after asking a third time for them, he forward them to me. This is Investment 101, give the Client their Illustration, not the "Agent" quote where it states "For Agents Only".

Red flag #4 After the advisor looked at my portfolio he seemed concerned. At my age, IUL's aren't very beneficial and are quite expensive due to the Insurance portion that needs to be paid. I asked him well what should I do? His reply without hesitation, "well, you could get divorced".

I was shocked when I heard that. He wasn't joking either. this way I could rely heavily on government to take care of me. In addition, I leaned that the advisor had been engaged for 12 years living with his finance and mother.

He hasn't married her, and why should he, this way she gets all the Government freebies, including the ACA Medicaid, as she shows no income, along with his mother who lives with him too and shows no income. Although having your own business provides you with a lot of write offs, and tax loopholes, I particularly find it offensive that a financial advisor would be that deceptive to not marry this woman so he can leech off the government dole. I guess that's what they teach you at Asian school. In addition, if he is this deceptive in things that matter, how would he be with our investments?

Red flag #5, my friend continually would make remarks about my boss, assuming he was hiding things from me, and probably didn't want me to know about certain types of investments. I found this to be un professional. When my boss chose not to join WFG as he saw it was a multi-level marketing organization, and due to my conflict of interest working for him, and then working for WFG, I decided not to either, she assumed that I was way too loyal to him, and I better hope he would be that way to me. From the beginning, I made it perfectly clear that I was not planning to quit my job, as I enjoy working with my boss and I have learned a lot.

He has integrity, and talk about an advisor who spends time with his prospects and clients. He spends far more time with people and may never see a dime from his work than my friend felt her and the WFG advisor ever had with me. Let's be real when it comes to our money, people don't like to be bullied into purchasing something, if they are not sure that it is beneficial. They need to trust and know they are dealing with a reputable, educated and honest advisor, not with some fly by night marketing wiz.

One comment above on this site, said, you need to really know your advisor before investing. I know mine, yet she jumped on this band wagon of WFG since September of 2013, and believes every word they say. I have been with mine for over 5 years. He's not out to make a huge commission off of someone if it is not necessary.

I know I can never tell my friend all this as She drank the WFG Kool-Aid, and she believes I am living in fear for not quitting my job, and moving ahead full force with WFG. Once some of these red flags became apparent, I read WFG's 3-3-30 plan myself. It was their online PDF document. It made my stomach turn.

It was true, that it was about selling IUL's but it was mostly about the "dream". The Dream of owning your own business (which my husband and I have owned one for over 25 years, and it isn't all bed of roses), The dream of traveling. (Traveling to these rah, rah, 4 day marketing events all over the world, which means I have to take precious vacation time to attend) The dream of tax write offs. People who have owned their own business have a real understanding of what write offs really are about.

You have to make money and pay for these events in order to write it off. But the money still has to come out of your pocket. In my experience every time I went to a meeting, there was another rah, rah, event that was being scheduled. Usually out of town, and some pressure that you must join it too.

When I was still in my observation stage they almost had me signed up for a $1500 trip, which I could "write off". Unfortunately, It was in Tax season, and I had Taxes to pay, that I couldn't "Write off." Thank God, I bowed out of it. So for all the money you'll make, much of it is then spent on these trips and seminars which you'll pour back into "your business" and theirs, because they are not free. Then lastly, developing your team!

Now, I have to be in charge of team of people underneath me too? I really have no desire for that responsibility. The supposed Dream of working your own hours, seems like BS. My friend works nearly 24/7 meeting her "goals".

She might enjoy it, but I like my down time and family time. I think I have the dream job now. Oh, yes and one more red flag I forgot to mention is my friend said that We must get our 3-3-30 all in one month and if I don't have my life license that is okay. Since WFG is a "Family Company" you'll want to get your family to join and purchase an IUL, and since you can't get paid a commission off your family anyway, get that in immediately, so you'll still get points.

READ THIS VERY CAREFULLY. You can get commission off your family, and your immediate family if you have a Life Insurance License. So don't buy into this propaganda. As long as your family members are 21 and older, you most certainly can get commission from selling them any life product.

Why give up your easy soft sell prospects to them for some lousy points which can only be used to go to one of their exotic Rah Rah events? In addition, my boss is so generous that even without my Life License, he is willing to give me a bonus of up to 50%, for referral and with my life License commission up to the full amount. In addition, I have read a lot of peoples positives and negatives regarding WFG. Over the past several months, I have read where people dealt with an advisor who didn't know anything about their product, and thus mistakes were made.

I get tired of seeing the response. Well, you need to go and find another advisor. Or you should have asked the questions. Most people don't know what to ask.

Most people don't understand that just because someone has a life license, they really are not educated in the products they sell. I have worked for over 5 years and I still have many questions even being around the Insurance industry all these years. It is a complicated industry. So, if a friend or advisor is being pushy for you to buy one of these products, you need to step back and take a breather.

There is a big commission in products like IUL and Whole Life products. There is a much smaller commission in Term. But Term might be better for you. In addition, you can purchase a Term life, and convert it over to an IUL without going through another health screening too.

It may cost more, but if your young and you are not sure if an IUL is for you yet, apply for a Term Life policy with a reputable advisor and company, get the facts on the IUL with that same company you will purchase the Term Life, and then at least you have some term insurance for now, and can in a couple years change it to an IUL when you are more settled in your career. WFG is a good place for people who are sick of their jobs, want to "own their own business", and live this type of "dream". They also do sell IUL's from reputable companies. But if all you are looking for is financial investment for retirement, then find an advisor in your area.

Ask a friend or family member who they have worked with and they will lead you in the right direction. Most importantly with WFG or IUL products don't buy into the fact that in a couple years you can start taking money from your IUL'.s This is not true. You most often need to be in the product for 7 - 15 years to make any kind of worthwhile investment. Then what you borrow, you have to pay interest on that money, and because insurance cost rises as you age, you may find your policy could be in serious jeopardy of lapsing, thus your monthly premiums will increase to keep up with the Life portion of the policy.

My boss recommends that if you are young and you want to purchase an IUL, don't do it for the "money that is being saved to spend on a home, or education. Do it for a long term retirement. If you don't have children now, then yes money can be taken tax free with interest from the savings portion for your future child's wedding or education.

But, keep in mind long term, not short term which in my case, the people were selling us on the dream of "short term" investments.

Guest
reply icon Replying to comment of Guest-831870

Thank you for your balanced and well articulated observations.

Guest

Hi Charlie.

I would suggest that you bring this issue to the attention of the regulators http://www.mfda.ca.

WFG is a good company. However, the particular member is not knowledgable. There are a lot of knowledgeable people in WFG.

I feel that client's interest should come first.

Malaysha Pba

I work at World Financial Group (WFG). I've worked at WFG for 10 months now, full-time.

I'm very sorry to hear about the bad experience of Charlie and his girlfriend with the agent that was setting up the accounts. People cannot trust everyone. They have to choose carefully whom to trust.

People should only trust investment advisers who they know have high integrity. Advisers with high integrity always want to help other people as much as possible.

-Rasa

Guest
reply icon Replying to comment of Malaysha Pba

Rasa, will you at least change your comment once in a while? copy and paste, and your friend in WFG with their " I am sorry to hear that " over and over again?

Do you have a degree in finance?

Do you honestly in your heart feel that you are the right person to toy with clients' financial future? Integrity only counts when the big picture is honorable, and WFG is not.

Guest

There are no World Financial Group products and they don't put MERs on them. The MERs are from the partnered investment firms.

Again, people are not asking enough questions to understand what they are hearing. I am Canadian so I don't know all the firms that are partnered with World Financial Group in the States. What I have found in Canada is that even with the MER's, returns are good in the funds of the firms partnered with World Financial Group of Canada Inc. The insured investments also have guarentees that prevent the loss of peoples' principle investment as long as the money is kept in the investment for the guarenteed period.

That is not available from banks. In the banks, the only guarentee you can get is a return that is lower then inflation (GIC's guarenteed loss of buying power).

In light of the 2008 financial crisis, I would rather pay the MER's in Segregated funds to protect my principle. Would you rather loose all your money or have a guarentee that will give you back what you started with(down market protection) and possibly steady returns in up markets?

Guest
reply icon Replying to comment of Guest-693705

Very smart WFG advisor. You can get high commision from these MER's.

Guest

David, claiming WFG "associates" get more product training than captives is absurd. Unless motivational speeches, DVDs, CDs and videos count as product training! Tell me, do they train you on all of the VUL products from hundreds of companies sold through TFG, just the highest commission policies, or WRL's proprietary products, which would make WFG's main slogan of independence to sell tons of products a huge lie? Having been with Allstate, independent, and with two career houses, and family with 35 years as a career advisor with MassMutual, I know first hand that captives get far more training than WFG gives, even some of them that don't train well do better.

BTW, Transamerica's career advisors consider WFG a joke for anyone with any experience and/or knows what they're doing. WFG is just Primerica mixed with a little NAA but selling VULs they dont understand to people who can't afford the risk or IULs using overly optimistic avg annual returns. I honestly feel bad for the desperate people & kids they pluck off the streets to become associates. They dont know any better than to accept the utter non-sense they're fed at those Amway-esque "opportunity meetings", the absurdly low commissions(is it still 25% for new people?), and the idea that they can come in and sell very complex investments with no financial experience, background, or knowledge and no actual training. But you're sure taught to recruit, recruit, recruit!

The OP was right about the advisor, whether it was from ignorance or misrepresentation she shouldn't have been selling the investments if she didn't fully understand them. Thats as much WFG's fault for hiring anyone that breathes, give them little if any training, then throwing them out there on 100% (poor) commissions selling complex investments, as it is the girl's. The MLM "business platform" of building your own business by recruiting family and clients and convincing them to buy high commission VUL's and IULs they don't understand will end up in failure 99% of the time.

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Anonymous
map-marker Royal Oak, Michigan

World FInancial harassing phone calls

They have been calling me every day from several different numbers ( area code 614 and 913#'s, and are very rude. They asked for social security number ( "uh, NO! NOT WHEN I DONT KNOW WHO YOU ARE OR WHAT YOU WANT" ) and other personal information. Hung up on me when I questioned them. If I were to call that individual, asking those questions , would they be *** enough to give out that information without asking questions first?? NO. So why the attitude when the consumer asks the questions.

I am not sure how they got my number. I am on the DO NOT CALL list, but will resubmit my name.

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7 comments
Guest

World Financial Group doesn't use automated calling systems nor do they have any connection to Capital. You are slamming the wrong company. World Financial Group's primary focus is to provide financial concepts to families overlooked by the financial industry so that they can improve their financial situation and protect their families (insurance).

Guest

First of all, what does Capital have to do with World Financial Group? There's no connection between the two, so maybe you're just dealing with a telemarketer from somewhere else?

Or maybe it's one of your creditors who's using a collection agency to collect what you owe them? Collection agencies are the only ones who feel it necessary to be rude & evasive & use scare tactics & auto-calling systems to get what they want.

And, there's absolutely no reason for them to ask you for your SSN. Did you actually go into one of their offices before and give them other personal info? If not, consider that you're on someone's list from clicking on an ad somewhere online...

Guest

Worst Telemarketing program ever! AND I have the solution.

Have an air horn and ear plugs near your phone...ear plugs in, pickup phone, don't say anything, extremely loud quick toot of the horn, hang up. That's how you make people AFRAID to call you again.

Guest

I had a really hlibrroe time finding a good nursing bra. For my first two babies I bought a Playtex nursing bra and hated it.

It made me look really frumpy and it was uncomfortable. I ended up wearing one of my regular underwire bras and pulled the strap down when I nursed. Throughout the pregnancy I went from a C to a DD so, for me, I preferred underwire.With my third baby I found a REALLY great bra on eBay. It is an underwire by Wacoal and was half the price.

They come in light pink or blue. I even wore them for several months after I quit nursing because I would forget it was a nursing bra. They are also really well constructed in that the part of the bra close to your body is like a regular cup w/a hole in the middle. The outer piece looks like a regular bra.

It also gave me more of a normal look than the weird look I seemed to get from other nursing bras that I found locally.These are half the price that you would find them for in the store, if you can find them in the stores close to you at all.If you want, or can go with, an underwire these are the best!Oh yeah, for this bra you may want to wait until you start regularly nursing to decide on what size to get.

You may very well get larger. If a store somewhere close by has Wacoal bras then you could go try a similar non-nursing style on to figure out what size to get on eBay.

Guest

We have also been getting calls from them several times a day asking for my ex-husband, who has been dead for 7 years. (We were divorced before he died).

I have told them that he is deceased and they still call. :?

Guest

Someone needs to step up to the plate and just send a nice virus their way, erase everything in their system, then they won't call anymore...easy! :grin

Guest

They call me upto 10 times a day starting at 6 am. I'm sick of this ***

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joey v Xqv

WFG World Financial Group

Be aware!!! They will trick you into signing in with their company $100.

And they won't mention about spending a lot of money for class and convention until the second meeting. That is a least another $1000 (if your lucky). They will also *** you to buy life insurance with cash value. Here is where you call all your friends and family and tell them about the good news about a job opportunity.

(You will lose a lot of friends and family during this time). The mother company is in EUROPE. Look at what EUROPE is going through. Those that have money in there, I feel sorry for you when people gonna start to collect their money there is none left for those who tend to hold on and get a 13.25% interest (Too Good To Be True).

WFG sucks.

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24 comments
Guest

I'm sorry you sucked at it. You didn't lose your friends because of the company.

You lost your friends because you joined a company without early knowing how to grow and didn't make an effort to actually get good at it.

You just tried to get rich quick and obviously failed.

You would have gotten the same result in any company regardless of the services.

Guest
reply icon Replying to comment of Guest-932537

one thing is for sure....wfg will not refuse anybody.can't speak or understand English..doesn't matter.never had training in the financial market or courses,you're perfect for the job and you can start your business.the only thing that they need is to check if your a crook so if not you got the job and open your business is no problem.

Guest

Just to clear up some misinformation. WFG is not an insurance company.

WFG does not have their own insurance product. Aegon is a parent company but does not conduct any of the WFG business. WFG is more like Lending Tree (store shelves that hold the product). Lending tree finds banks that offer mortgage to people looking to purchase a home and WFG finds insurance and other retirement vehicles for people who want those products.

If Aegon or WFG goes out of business, that has 0 impact on the policy itself since policy is through the provider such as Nationwide, Prudential, Transamerica, etc. As a policy or account holder, you do not pay WFG. WFG is giant distribution household with 30,000+ independent brokers (that's more broker than Nationwide, Prudential, and ING combined) so those big insurance company pay us to find them their clients. Always know the facts before pointing fingers.

Also, there are bad apple in every barrel.

In this business, you can make lot of money so some agents forget the part where they need to help the client first.

Unfortunately when you see lot of $$$, some people get greedy and use unethical tactics to recruit and sell policies. Please do not group the good people in the industry with the greedy scums.

Guest

This company is not even register with the BBB, the people that attempted to rebuttal for WFG are either *** individual that are in to deep with this scam and would feel *** to admit that they been had or WFG (scammer) is trying off the truth so that could recruit more *** people that make money of. Either way WFG is a scammer and don't be ***, Google WFG and scam together and get plenty of hit and that a sigh of red flag.

Guest
reply icon Replying to comment of Guest-618675

Go to BBB.com and look up World Financial Group. The main office is located in Johns Creek, GA.

They are listed in BBB with A+ rating. Here's a number for you to digest. WFG average 1 complaint for every $400,000,000 in policy they write. That is $400 million.

Can you name any other business that does $400 million dollars in business and get less than 100 complaints? I think that's remarkable.

Guest
reply icon Replying to comment of Guest-618675

Where do you get your information? It sounds absurd.

Have you seen the August issue of Forbes magazine? World Financial Group is a financial distributor for companies like Transamerica, Prudential, Nationwide and many others. In fact, Transamerica sponsors licensing for World Financial Group Agents through state regulators. The parent company is AEGON NV who is bigger than Apple and Google put together.

Despite what is happening in Europe, AEGON is very strong and stable. Instead of spreading fear, get your facts straight and get a life.

Guest
reply icon Replying to comment of Guest-618675

WFG is not a scam. Ive been with the company for a year.

Although I havent made any money its ok. I know im one person away from becoming a millionaire.

And no I havent drank the kool aid. See you at the top or not.

Guest

I never heard so much *** in my life.

There are over 5,000 agents and no body is forced to go anywhere and pay anything unless you want to learn and grow more.

You probably one of those losers that can't make it and prefer to complain on the whole world and his sister.

By the way: I am a client, Not agent and I enjoyed from great service for the last 6 years.

Guest
reply icon Replying to comment of Guest-598354

Oh really Alicia?!

Guest

"3. Written by VA on June 28, 2012 from pomona, california, US

I have never received a straight answer from a friend about this group. All I get told is I should go to a meeting. I am not really sure they are about helping anyone but maybe themselves?"

You will never know unless you find out and go to the meeting? People like to assume but never want to find out themselves.... I have been with the company for 3 months now and I can tell you it is the best oppotunity granted to me. I use to work 3 restaurants and 60+hours a week. Ever since I got my license I have freedom of time, earning a great income in which I DESERVE i work for unlike a w2, helped people with their financials INCLUDING my relatives and have a prestigious career ahead of me and a proud business owner. This career isnt for everyone but if you are going to discredit yourself in not being able to do the work you wont be successful in pursuiting this.

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Markwill
map-marker Roanoke, Virginia

Multiple phone calls per day from World Finance Group

I submitted some contact information to a website that would provide interest rate quotes for refinancing my mortgage. A few companies called and after discussing my situation decided not to refinance. All the other companies stopped calling except World Finance. They call between 3 and 5 times per day including Saturday. I told them multiple times not to call but it does no good. I have caller ID so I don't answer most of the time but when I do there is a recorded voice that says that this is not an automated call (it obviously is), then it transfers to a real person. I tell the real person not to call but it is as if that person has no control over who gets called or doesn't care. I believe there is law that regulates how automated call centers like this are managed and that there needs to be some way to have your number removed from there system. I don't know how to get my number removed from this system.
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Anonymous
map-marker Chicago, Illinois

Thinking about Joining WFG. read this

My wife and I needed our taxes done. So we went the tax preparer.

The suite was a WFG office. We had our taxes complete. Because I wasn't working I was asked if I would come to a meeting. So I did.

I saw a video and a presentation about WFG and how they helped families. I was interested so I went to another meeting this one was a different type. Yes you can work at your own business,Make 30k or more a year.Part time. So I told my wife that I'm joining up.

Cost $100 for a background check. I was told that I will learn a lot from the meetings. To tell the truth every meeting was a presentation of how to recruit people to come to the meeting. Or how to have people sign up for the ULs.

You need 25 people to call about the meetings. Never about how to run your business. Than I was told if I go to the big meeting in Vegas hat I will understand the company and they will teach me what I needed to know. Basically it was 4 days of cramming the WFG lifestyle in your face.

Nothing about business training. Than the kicker WFG hepling 100,000 families in 100 days. Companay wide of course. Sign up and pledge that you will do it.

Than they gave you a phone number to text your pledge. I didn't do it. Came home from Vegas and told my wife about it. Day after meeting than more meetings.

My wife told me after one of the meetings that you are not the person I married. You changed. Get out of this NOW. So after just 2 months in to the company I quit.

I will tell you that it takes 80 contacts to maybe get 10 people to the meetings 1 person might join. There are people who made alot of money in this co. But there are many more that never do. I met a man who was in the co.

for 3 years and hasn't made a dime yet. Yes you will have to have a license to sell there UL. This has the feeling of a cult. Pressure to talk to strangers about coming out to a meeting weighs on you all the time.

I tried and was given wrong phone numbers. WFG tells you to except rejection. Part of the game. But it gets to you.

Costs $100 Background check.

Vegas trip $2000, Clothes$200.

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Loss:
$2300
95 comments
Guest

My experience is much different

Guest

I can truly say the location in Orlando FL is different.

Vishnu Hhf
reply icon Replying to comment of Guest-1432967

Still, what's the contact info there? Thanks

Guest
reply icon Replying to comment of Guest-1432967

There's a person on here that has left a message 2 weeks ago about how to cancel a FFIUL and not 1 out of 250,000 AGENTS AND RECRUITS has had the morals and integrity to help him out....

You have WFG-WSB talking about educating 1 million families by 2020...NOPE it's about taking money not helping them financially.

You defend your pyramid and the official WFG #'s tell us that only 99.5% of all WFG agents or 248,000 of 250,000 make less that 2272$/YEAR...so it's not about work or eduction..it's about pushing products and recruiting people into this MLM.

Vishnu Hhf

WFG Anon #138****, your puffy inspiring-sounding comment is totally content-free and FACT-FREE. You packed it full of empty words and LIES.

Let's look at them shall we?

LIE/EMPTY PHRASE #1: "There are many businesses that gives an individual the ability to build, not just an income, but a lifestyle" and "Very few people are Financially Independent."

Sure Anon, whatevs. You're much more likely to rise from mailroom to CEO at your J.O.B. than to build an meaningful income at WFG. WFG's system is totally rigged against you. You're work like a slave and sell your soul to fill the pockets of Transamerica, WFG Corp, and the top 0.5% of the agents at the tippy-top of the pyramids, many even most of whom got grandfathered in from WMA in 2001. For more evidence of this please search on the P*ssed Consumer site for the 18 May 2016 review titled "10 Lies and Misreps That

WFGers Tell You--And Themselves." In there you read this:

"...we see an even *bigger* earnings gap in WFG than at your J.O.B. On 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..." Need more actual proof--from *WFG's own numbers?*--what a total disaster is WFG? Then please search on the 8 Dec 2016 review titled "WFG is a Great Way to Go BROKE and LOSE FAMILY and FRIENDS" That'll give you all the news you need to know to stay far FAR away from this terrible MLM. LIE/EMPTY PHRASE #2: "You MUST have EXTRA ORDINADARY Dreams, Desires, and work ethics!" At WFG, you must shamelessly recruit, recruit, recruit, and kick all your morals and ethics to the curb to sell disastrous guaranteed-to-FAIL life insurance policies to your family and friends. Please search on Pissed Consumer for the 22 July 2016 reviews titled "Why the FFIUL--WFG’s Flagship Policy--is a *Disaster*" This gives you the damning numbers. Anon, if you are that "EXTRA ORDINADARY" kind of morally bankrupt person, then WFG may be for you. LIE/EMPTY PHRASE #3: "Any business that is a MLM type business gives you the advantage of being a franchisee..." and "...If your place of employment offered that, would you be a business owner or an employee?..." Anon, let's be clear, WFG agents are nothing more than *contractors*. With WFG you do NOT own your Book of Business. Your customers are not yours. They belong to WFG. When you signed the Associate Membership Agreement (AMA) you signed away your rights to them for at least two years after you leave WFG. Please carefully read your AMA you signed. Best yet, please carefully read WFG's abusive exploitative AMA *before* you sign it and sign away many of your rights! Finally, when you sign up at WFG, please don't for one minute believe that you don't "work for anyone." Your uplines control your destiny ever bit as much as your bosses at your J.O.B. Please return to the review "10 Lies and Misreps That WFGers Tell You--And Themselves." There you find this: " “[Go to] WFG’s Compensation & Promotion Guidelines Squarespace.” ...what if your upline thinks you’re not being “coachable” enough?...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. Folks, please save yourself a lot of time, money and heartache. Don't walk--RUN!--from WFG and its rag-tag army of clueless hi-belief, lo-info, ethics-free sales rep-licants who recruit-attack their own friends and families like mindless disease-causing viruses. Dear reader, thank you very much for reading this. I hope this helps you and I wish you good luck in your future efforts.

Guest

There are many businesses that gives an individual the ability to build, not just an income, but a lifestyle.

The Bible says much is given, much is required.

In any business it takes work. Success does NOT come over night. What you put into it, is what you get out of it.

Very few people are Financially Independent.

You have to desire a lot more in life than having an ordinary one.

Businesses such as Amway, Avon, WFG, Primeamerica and many other business such as this are not for the ordinary! You MUST have EXTRA ORDINADARY Dreams, Desires, and work ethics!

You will change as each gives you the desire to change. A reason to change.

You have to ask yourself. What do you want for your life and for your families life? Are you happy working for someone else.? Any business that is a MLM type business gives you the advantage of being a franchisee without the LARGE franchising fees associated with being apart of a named professional business.

If your place of employment offered that, would you be a business owner or an employee? If you had the opportunity to own a McDonalds, would you? MLM businesses teaches you many things that your job does not teach. Few good things you learn is Franchising concepts, business ownership, team work, and how to make a large long term income.

Even if that's what you'd like to learn....take on the challenge! Learn how to be a business owner, on 2 levels. Theory and practical. You learn as you go.

Unlike College, theory only! Reall talk! Find a professional and sit down with with them, and find out why they are working their business, and how are they so successful with it.

And if your gonna do it...DO IT! DONT TRY IT!

Vishnu Hhf
reply icon Replying to comment of Guest-1385956

Anonymous #138****, please see my above response to your comment. Thank you.

Guest
reply icon Replying to comment of Guest-1385956

You couldn't have said it any better!

Vishnu Hhf
reply icon Replying to comment of Guest-1432969

No-name commenter couldn't have said empty useless words any better.

Guest
reply icon Replying to comment of Guest-1385956

I agree.

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Sonny B Zwf
map-marker Bellevue, Washington

World financial group

They give you line of credit for Google Adwords account, They bill you but will not pay Google, Google will ask for their funds within 24 hours, You paid them & have to pay Google. You will not get your money back from them, A real sweet swindlers. If you do not pay them, They will go around and cancel your Google Adwords campaign, You can request to re install your Adwords campaign but it will take 3 months, Meanwhile you will lose out, If Google or others call you about line of credit, Just hang up the phone, Save your self a headache. Stay away from World Financial Group for the Google account.
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Loss:
$1000
2 comments
Guest

What are you talking about??? World Financial Group does NOT work with Google, as far as I know. Maybe you should check the name of the company again, cuz World Financial Group is NOT a bank and doesn't offer lines of credit as one of its financial services!

Maybe you should pay closer attention to whether or not the pop-up windows are actually legitimately connected with the site you see them on. Sometimes they just appear to be related to the site, but are actually phishing companies or other tricky entities.

Perhaps you could get some answers from Google? I've never heard of "Google Adwords", but the name itself implies that it's an ad of sorts and maybe not even connected with Google at all.

Good luck with finding out about the "Adwords" company!

Guest

JC Penney should have them. Most stroes that sell bras have them. I would buy them now but buy a cup size or two up to leave room for any enlargement once your milk comes in.

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dontharassme
map-marker Seattle, Washington

World Finanacial Calls 20 times every day!

They call every day all day long. My husband answered and they hung up. I won't answer because anyone who calls that much and then hangs up when you answer doesn't necessarily mean they are a scam, but it does mean they are breaking the rules and they are HARASSING us!!!

So what I want to know is where can I report them that will actually do some good and get them to stop?

They are doing this to hundreds if not thousands of people every day. And where did they get our number? We are on the "no call" list as well, and obviously that isn't doing any good.

When does this end people? WHEN?

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4 comments
Guest

I know many people in World Financial Group and they don't harrass people like that. Are you sure they are from World Financial Group and not from some collection company?

Guest

They probably got your number when someone you know gave you as a referral. In that case, you ARE on a list!

It's doubtful that they would be calling you and hanging up when you actually answer. That kind of defeats the purpose of trying to sell you something, doesn't it? Maybe it's just someone who would rather talk with you than your husband?

Have you called the company, or visited them, directly and voiced your complaints & asked them to remove your name from their lists? No company wants negative reviews-- they interfere with business-- so maybe you need to go to the company and do a face-to-face and let them know that you're reviewing them negatively?

I'm sure that not every agent of this company is harassing people like this, and the company would probably want to know this is happening within its ranks.

Guest

They call me everyday to and I blocked all their numbers but they change numbers I cussed em out today n they said they will call me again tomorrow.

Guest

you must've gotten referred by someone

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Anonymous
map-marker Philadelphia, Pennsylvania

Russian looking, professed millionaire at 18

First of all, I don't know how he (they got my phone number). Certainly I couldn't remember applying for a job with them, though I'm job hunting. I hate sales, most of all door to door, telemarketing or traveling sales. But I got a call from one Izaak (his name)and scheduled an interview. I showed up at the appointed time. He immediately came out of his one room office and ushered me in. He delved into the business ownership aspect of WFG (World Financial group). I was not impressed at the so-called presentation, since the video or presentation couldn't work, and did not see anything on his computer. He decided to just explain how much I will be making running my own business. Wait, if I wanted to run my own business, I will not be speaking with a Russian-look-alike mafia in a suit, in a one room office. At the end of the empty talk, he asked for a $100.00 fee for a background check. Wait, a legitimate business will not ask for money upfront for anything. That's a big turn off and a big red flag of more ominous things to come. Of-course, I told him I didn't have any money. He then scheduled another meeting where I will bring the money. He also stated that the training I will need to work with them will cost between $300 to $500 for training, exams, etc. He also said all I need is to talk to people anywhere and everywhere about their need to invest in their retirement, children's college, emergencies, etc. All this happened on a Thursday. He said I could easily make 6 figure income and get paid twice a week. Yes, two times per week. Never heard that before. Scary. And we rescheduled for the following Thursday of the following week. But on Sunday he called me, twice, without leaving any messages. He can't wait to continue to perpetuate his fraud. But he will never see me again.
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12 comments
Guest

How is getting paid twice a week scary?

I have been in the company for over 3 years and receive my checks twice every week, yes I said twice I hope that didn't scare you.

I am just amused at how *** people can be...

in no shape or form is this business illegal

just ask yourself this question would the department of insurance issue a license to a business and its agents

would the SEC that is the Security Exchange Commision regulate a business that is a scam would I be paying a 30 dollar Errors and Omission coverage to ensure proper and ethical business please people have the decency to use your brains after all i hope that there is something between your two ears

Guest

The WFG or any financial institution, that I know of, work as a team. If your representative cannot answer your questions, if he/she does not understand the product adequately, ask to speak with his/her superiors.

If you still cannot get any answer, then perhaps you really have a problem. However, I would be very surprised because WFG belongs to Aegon which is a Fortune 500 company.

Guest

It is a scam, I spoke to several relatives and friends that were victims and the agents have different versions as to how they would sell their products but the goal is to recruit members and sell product or services that you don't need. Like finding you grants for college, providing guidance to go to a certain university etc.

Guest

I notice that a few comments are copy and paste, same people saying the same thing to all posts. and voting down the posts.

Malaysha Pba

I work at World Financial Group (WFG). I've worked at WFG for 10 months now, full-time. It's an amazing business. I've already made around $10,000 in it. Every year my income is going to grow because we have an amazing training program that teaches associates exactly how to grow their income.

Once I have kids, I plan to do what many women at our company do and take time off work. But the paychecks will still keep coming. The best way to do business at WFG is to build an agency. Then you help more people with their finances, you give an amazing career opportunity to more people, and you grow rich while not having to work. One out of every 79 full-time workers at WFG earns over a million dollars per year.

To start your WFG business is very inexpensive. To start a Starbucks franchise location costs several million dollars. To start your WFG business costs less than $500.

-Rasa

Guest

I don't understand paying anyone to handle your finances that does not have a finance or insurance background. Are reps required to tell prospective clients about their lack of education??

Guest

sounds like you misunderstood the whole scenario. World Financial Group is a legitamite business.

If you were to open a restaurant, you would need to invest millions to get started. Why would a $100 start up fee and State licensing cost scare someone if they understood the business model? Most people spend more than that on a night out on the town.

Talk to a realtor about their start up costs and then ask yourself; what if you just missed a great opportunity just because you didn't ask questions? Instead of assuming that it is a scam, ask questions and get clear on what you are talking about

Guest

I recently went to an orientation where I saw an excellent presentation. However, not one of the principals involved in the meeting would discuss specifics. They all did request an immediate follow up to discuss opportunities further.

After the discussion, a reception was held for those currently on the team, and I did ask several of the new people about their experiences with the firm. Responses were everywhere across the board.

Other than having to acquire a "life" license, no further licenses were held by the newbies. How can you sell other products without the proper licenses?

It seems from my initial discussions, selling life products is the main thrust for these folks.

Guest
reply icon Replying to comment of Guest-656408

All other products are done by referral to experts so that the newbies as you called them, can help families with a more complete financial solution until they are qualified to discuss further products. World Financial Group is all about helping families save money on what they already pay in debt and taxes, get better returns on investments and provide better for their families.

Agents work as financial educators and brokers for many major financial corporations and yes, proper insurance protection will always be part of a complete financial solution for families.

World Financial Group is the only firm out there that average income families can get the attention that more wealthy families get from the financial industry. I strongly suggest that you ask questions until you are truly clear on what is offerred and why.

Guest

That's Funny.. I'm sorry to hear that you feel that way..

But Yes we get paid twice a week because I know I get direct deposit twice a week.. Just because you never has a job that pays you right does not mean its not true.

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