Not resolved
Billing Practices
Customer service
Discounts and Special Offers
Diversity of Products or Services
Privacy and Data Security

When you're given an opportunity to be successful, it's not a magic pill. It's a chance to work as hard as you possibly can to build a family legacy & help families obtain the financial security everyone deserves.

Unfortunately if you're in the habit of blaming everyone else for your failures & chose the short route; nothing will help you get out of that rot. If you don't have direction in life, every road will lead you no where. The truth is that if you want to keep your employee mindset , and continue to be addicted to a "pay check" that's fine. But don't blame a company for a few people that chose to use this opportunity for personal gain and that's not our company mission.

Pyramid? MLM? Scam?

Well I guess then Transamerica & AEGON (our parent Co) 172 year old Co with a presence in over 20 countries has been lying to millions or people for over 100 years, huh? Our model is build it big or go home.

This person wrote the review world financial group work experience from World Financial Group. Reviewer claimed that he or she wants World Financial Group to read this review and look into the issue (if any).

If you have a chance, please immediately contact him/ her to briefly discuss his/ her negative experience with the company.

We collected other reviews about products and/or services offered by World Financial Group for you to read. This information may help you with your purchase decision.

Do You Have Something To Say ?

Write a review


Terms of Service
Post Comment

People like the person who wrote the above letter, lose all credibility as soon as they start to play the finger pointing game. Their belief that if a person does not fall in line like a good little sheeple and play follow the mlm leader then they aren't trying or aren't driven, is utter BS. The problem with people like the letter writer is they are so drunk on the pyramid/mlm scheme kool-aid, they can't form a sober thought.


Your "dream" is to scam the weak and desperate. People who don't understand

You throwing numbers about how long the company has been around doesn't make it a reputable company.

There are several companies that base their model the same way. This model is labeled as a scam type tactic because of the poor, desperate, and socially brainwashed souls that listen to you throw big numbers wearing rolex watches.

The people who are skeptic of this business are smart and hardworking.

They don't like to see people be taken advantage of.

So again with regards to your "dream" which is to attempt financial gain for yourself at the loss of others....well you deserve a nice fancy seat for you in ***, because that is where you are going.


Your company was started by a man who decided he no longer wanted to do the right thing for the consumer so he can make more commission for himself. That is the whole premise of WFG, starting with the founder, then leadership and working its way down.

Do your research on what you're selling to your friends and family. Don't let your upline convince you that the insurance company pays the commission, not the customer.

Where do you think that money comes from? Anyone with a decent amount of knowledge and a conscience has no place in WFG.


WFG total commission for 2015 was 756 million for 53,000 agents and 197,000 new recruits...99.2% of all wfg workers had to share 40% of the commission giving them on average 101$/month.



50HOURS OF TRAINING AND AN EXAM IS AN EXPERT TO WFG EYES and they come here and talk about hard work..well hard work starts with EDUCATION AT LEAST 2 YEARS OR MORE...Most are not qualified to give financial advice but they do!

to Anonymous #1117887

Nothing like making it about hard work and starting with absolutely no education and accepting everybody even if they can't even write or speak.

Seminars that are based on how much money they make isn't education,it's brainwashing the base to work and think all will make it big while the official numbers you, I and WFG are seing is far from it!

Sad in that they use people so a few can profit...Very sad!Now even worse they take clients money without knowing what they're selling and the consequences come years later.

to sharaz Berkeley, California, United States #1142554

Sharaz, exactly. WFGers make a tacit “wink-wink” agreement among themselves to stay ignorant about the super spendy dross they coax and wheedle their victims to buy, so they can justify to themselves their pernicious harmful actions that bear their rotten fruit decades later.

It’s like the three wise monkeys who “see no evil, hear no evil, speak no evil." WFGers collectively turn a dollar-sign-blinded eye to their own massive impropriety, their abuse of other people including their friends and family, and often involving their close ones them in these bad-faith activities. Folks, WFG shows us institutionalized evil in microcosm.

to Anonymous #1119356

Given the fact that just to achieve the first promotion level each recruit has to bring in 3 new recruits within 30 days you can see the system is doomed for future failure. With some basic math you can quickly see that this model has a major flaw!!

It is mathematically impossible for the growth needed to sustain the system.

The vast majority are doomed to fail. Of course Wfg will blame you for failing and not because the system has a major flaw.

to Anonymous #1120085

Absolutely agree and like most good pyramid scheme it takes about 10 recruits to feed the one on top of them and takes 100 recruits to feed the 10 above them...etc...so this is WHY IN 2015 A TOTAL OF 197,000 NEW RECRUITS HAVE HOOKED UP WITH WFG.

This is all to feed the peek folks...99% of you are certain to stay poor..worst not even making an average of 100$ a month!!

Best of luck...you''ll need it!


I remember 3 years ago, I was sold a product that was build by a reputable company but was not what I needed, but I trusted the rep. The manufacturer still in business and has been for over 75 years.

I didn't go blame the company, I blamed the rep. and could perhaps his manager for not training him the right way. But maybe it was not even the manager's fault either, but perhaps a rep that chose to be deceitful and dishonest. Have you met anyone like that at least once in your life?

Well, I have, they're everywhere you go, and yes, they shouldn't be representing a company that has built their reputation with years of sacrifice and honest living. Everyday I receive a national report of insurance agents & financial advisors that went the wrong way & got caught and are paying the price as they should. You owe it to less fortunate or educated people to report them and do all of us a huge favor. Don't get bitter, get better.

There's enough negativity out there. God bless.

to Anonymous Berkeley, California, United States #1142570

Anon, that threadbare "few bad apples" tune you're twanging, remember that even in its published manuals WFG encourages its reps to keep prospects and recruits in the dark. E.g.

this, lifted right out 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.”

WFG to recruits: Reject “too many questions.” Keep clients ignorant. That's how you push onto your prospects your pigs in pokes.


This system requires constant recruiting for becoming successful. Only 4% of the licensed agents or 1% of the total recruits are making 60% of the money. The other 96% to 99% are making little to nothing.


I totally agree with your statement. After being part of WFG for over 18 months, and blaming everyone ease for going nowhere, I was aware that I wasn't being accountable for my lack of commitment and needed to either follow a proven successful system or go elsewhere and end up being bossed around.

Now, I can proudly tell you that I've open my first open, I have a team of go getters and have gotten rid of the cancer in my team. We can't wait to go to our annual convention in Vegas and be grateful for taking this opportunity to the top. Thanks for setting up people straight.

My way to answer to how they think is: guns don't kill people, people kill people. Stop being a dream killer!

to Fred Blackmann #1119257

Dream killer...lol....99.2%(248,000 agents and recruits making on average 1217$/YEAR is not being a dream killer,it's being very realistic.Now how about you start being honest and not just talking about the 0.8% that make 50k or more,and those are the one's making seminars and brainwashing the base of they pyramid.

to Fred Blackmann #1119261

Fred Blackmann,i see hundreds of posts about making big money but most can't even spell their name or can't show us how much money they make...I can say I made 5 million last year selling peanuts so my friends and family will invest in my business but that doesn't mean that it's true and worse,if I followed WFG's model I would want everybody in my town to start selling peanuts like this would be logical and wouldn't affect my profit for my business right?

to MR PEANUT Berkeley, California, United States #1142563

Mr Peanut, the only “Fred Blackmann” google turned up was a defendant in Wisconsin accused of assault upon John Schmidt Jr, during a horserace which Schmidt was winning. LOL!!!

to Fred Blackmann Berkeley, California, United States #1142562

Sure “Fred Blackmann” or whatever your name really is, your “proven successful system” trains people to successfully slug dismally bad and even harmful insurance policies (esp Transamerica’s FFIUL) to people who trust you and even love you, and who may end up losing many thousands of dollars if that IUL blows up on them decades later, all because of YOU. If your “dream” is to spread bad karma among the people closest to you well congrats, looks like you’re well on your way!

to Fred Blackmann Berkeley, California, United States #1142572

Isn't it funny how all these "successful" WFGers never share their real names? Or where their teams are?

What, don't they want to recruit people to their "successful" teams? Isn't that what WFG-MLM is all about? Wow I've never seen such pervasive systematic bullsh*t.

All these WFG replicant wannabes trying to fake it till they make it. LOL!!!


Stop using your parent company to cover up all the lawsuits and name changes. You have uneducated reps going for the big commissions when it's not the best option for the clients, before they even know what they are selling. The less the clients know, the better, right?

to Anonymous Berkeley, California, United States #1142566

Yup. For WFG, it’s “See no evil, hear no evil, speak no evil." Spendy crappy products?

What, ours?! You don't say!!

You May Also Like