I know the WFG system very well and I do not have a problem with "selling" products to family and friends IF THEY NEED IT. The problem with WFG is that these people who get a "fast start" are new to the financial world and don't know anything about the products, but by the time they are licensed they have had their friends sold these things and they have brought on more recruits doing the same.
By the time they figure out there are better options than the UL (for 80% of people) they have two choices: leave the company and save face, or turn a blind eye and keep watching the money roll in. That being said, all the successful people in WFG who made a living with ULs are either not smart or creative enough to recommend the proper products for their clients, or just don't care because they don't have a reputation to protect. At the end of the day, it doesn't matter if WFG has the most products available to them because the greedy agents will always pick from the 3-4 money makers. This is why you don't see highly educated people do well, because they educate themselves about the financial products more than the uplines and have integrity.
If I had stayed in WFG, I would have probably never met the person who was responsible for making sure I was doing the right thing for my clients, because this person did not work out of the office I was at. Do you see a problem with this?
It took me a few weeks of learning about insurance and investments to realize that I probably already knew more about how these products worked than they did.
In case you are wondering, I am currently still in the industry and fully licensed, and can sleep at night knowing I am doing the right thing for people.
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