Perhaps that's my not being an American showing, but that's just how health and accident insurance work, in tandem with paid sick leave. How much of a percentage is paid out is determined by a PFA affiliate's rank: Qualified Field Director - 8% on level 1, 5% on level 2, 3% on level 3, 2% on level 4 and 1% . This website provides the most important contact information about the Corporate Offices & Headquarters including Premier Financial Alliance Address, Corporate Number, and more. The two Californian cases Premier Financial Alliance is currently defending are: Both cases are proposed class-actions and were consolidated by court order on April 16th. Because the Living Life IUL policies are far more expensive than National Life Groups non-Premier Financial Alliance policy alternatives, Premier Financial Alliance agents are unable to sell these Living Life IUL policies outside of the Premier Financial Alliance pyramid. Our associates are supported by a first-class team that is as passionate as you are. For one, if its the sole source of income, it is unstable. Reddit and its partners use cookies and similar technologies to provide you with a better experience. So I went to one of their interest meetings and was really interested by the product and the company so I joined with a fee of $125, I just wanted to know if anyone else had heard of them. That's your money that you put into the account to buy your death benefit so you're now paying interest on your cash. You don't know what you are talking about. Create an account to follow your favorite communities and start taking part in conversations. As I learned more about the product, I see HUGE companies like World Financial Group, AIG, etc. Haley Piper. I cant stress enough the importance of knowing the details about their compensation plan before going into the opportunity. 800-480-5005 Fax 402-423-5102, | For Agent/Broker Use Only | Copyright 2023 Premier Financial, Inc. | Powered by. ChromeFirefoxEdge. To earn any commissions or financial rewards in PFA, one has to recruit and cause to be signed up, six persons, and obtain a license to sell insurance under applicable State Law. Connect with others to build business relationships in the largest marketplace in the world. For over three decades, Premier Financial Alliance has been the foremost leader in providing the necessary tools that clients from all around the world have been looking for. What is described in the lawsuit of PFA business model is that of your typical autoship recruitment scheme. A cost-effective option for individuals who seek coverage for a predetermined period of time. PFA agents or the PFA don't make money on $125 fee. Multi Location Business. Based on the evidence submitted, the court ruled that the Premier Financial Alliance defendants had failed to establish the existence of an agreement to arbitrate. Premier Financial Alliance believes in empowering people with the knowledge and confidence needed to build their own business without the fear of failure that prevents you from achieving financial success.. Switching over to the 2019 case, the motion to compel arbitration that stayed the 2018 case was filed by Premier Financial Alliance on May 28th. The same day the cases were consolidated, Girard Sharp LLP was appointed Interim Class Counsel. Following the filing of an amended complaint, a second motion to dismiss and compel arbitration was filed later that same month. The June 25th class-action lawsuit was filed by Plaintiffs Rui Chen and Wenjian Gonzales in California. Equal Housing Opportunity. Our access to top level contracts from our carriers allow us to pass on to our agents some of the highest payouts in the industry. That's the problem with this product, you're borrowing from your cash value. If you check Premier Financial Alliance websites, you cant simply find the products or the type of insurance they offer; rather, they focus on promoting the opportunity. Copyright
If you have fallen for a scam, you can post your experience here to warn others. Recruitment is a part of their system; however, if the attention is put heavily on this, it becomes a red flag. 5.2 miles away from Premier Financial Alliance. Read More. Need Assistance? Premier Financial Alliance. Premier Financial Alliance is an innovative financial planning business that works to help clients and associates create and then actualize their financial goals. The plaintiffs charge that Premier Financial Alliance is a pyramid scheme and an endless chain recruiting scam. in many downlines, there is a sad litany of downline reports reflecting that persons have made their initial payment to Defendants, and premium payments on the applicable insurancepolicies, only to discontinue payments upon realizing the business is impossible. Also if you follow their system, you actually get reimbursed what you pay for, which is crazy to me but I appreciate it. I dont like MLM. But what if you could turn that idea into your reality? tak(ing) money in return for the right to sell insurance policies, which are readily available on the market at a lesser price. This naturally raised the question of what Premier Financial Alliances core priority was. PFA and WFG does not make money of recruiting people. https://behindmlm.com/companies/premier-financial-alliance-fraud-cases-consolidated/, https://behindmlm.com/companies/premier-financial-alliance-denied-arbitration-and-venue-change/, https://behindmlm.com/companies/new-premier-financial-alliance-lawsuit-claims-asian-immigrants-targeted/, https://www.mitbbs.com/article_t/SanFrancisco/34629529.html, https://behindmlm.com/companies/premier-financial-alliance-classic-pyramid-scheme-lawsuit-filed/, http://www.wenxuecity.com/news/2018/07/25/7469956.html, a 2018 suit filed by Rui Chen and Wenjian Gonzales, alleging, a 2019 suit filed by Youxiang Eileen Wang and Biyun Zong, alleging Premier Financial Alliance. While I wont directly tell you that Premier Financial Alliance is a scam or a pyramid scheme, I will let the facts in this review and the reviews of other people help you decide. Welcome to Premier Financial Alliance. PFA swag bag and shirt. BehindMLMreviewed Premier Financial Alliancein 2016. 155 Kapalulu Place, Honolulu, HI 96819 With links to many carrier microsites that provide sales ideas, advanced planning and marketing pieces a wealth of information is at your fingertips. Just personal reference. The June 25th class-action lawsuit was filed by Plaintiffs Rui Chen and Wenjian Gozales in California. Stay tuned for updates as we continue to track both cases going forward. January 12, 2022. Btw I also paid my friends $125 cause he didn't have it at the time. they never personally agreed to PFAs AMA. The business opportunity is focused on recruiting people, and have them purchase 100 points in volumes. Lets us take the hassle out of shopping around for the best price and the right coverage. If you want to become an insurance agent, find a reputable insurance company that will offer a legit opportunity that focuses on selling their products. On the original 2018 pyramid scheme case docket, an administrative motion was filed on March 19th. According to the FTC, if the source of your income heavily relies on the number of your recruits and not on the sales you get for selling their products, its a telltale of a pyramid scheme. Defendants have failed to meet their burden to show, by undisputed material facts, that the parties entered into an agreement to arbitrate the claims here. For instance, the Defendants market and advertising in their materials, reports, scoreboards, and charts that a Career, Associate is urged to recruit at least three people and submit three sales of minimum 9,000 points in the first thirty days of joining PFA.. theYear = theYear + 1900;
With the help of Premier Financial Alliance, you can begin to plan for these instances as soon as you are ready. Premier Financial Alliance Reviews a Checklist to Prepare Your Family for Unexpected Life Events, Premier Financial Alliance Compiles Easy Money Saving Tips for Young Professionals. I noticed people sign up and don't do anything about it. Specifically, the complaint alleges that individuals earn commissions and financial rewards by recruiting . Chen joined Premier Financial Alliance in 2017 and Gonzales in late 2017 or early 2018. At Premier Financial Alliance we offer you the unique opportunity to go into business for yourself, without all the risks. Our product and platform create an opportunity for financial services professionals to grow their own business with very little startup costs. Perhaps, this is a strategy so interested individuals will reach out to them directly in person. Career. Premier Financial Alliance, Inc. 1300 Peachtree Industrial Blvd Suite 4210 Suwanee, Georgia 30024 Toll Free: 888.867.6533 Direct: 770.271.0443 Fax: 678.482.1975 [email protected] Close. Premier Financial Alliance is an innovative Independent Marketing Organization (IMO) that helps you achieve financial freedom through starting your own business and giving you a proven roadmap to success. Get your ticket. Premier Financial Alliance affiliates are promised. What Is Premier Financial Alliance About? Do you ever find yourself thinking about your financial future? A different approach: Life insurance you don't have to die to use. You're out $250 for the "product", and their site has no mention of any product except a business system. Your submission has been received! By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. The motion requests permission to seek reconsideration of the earlier arbitration denial decision, or in the alternative a transfer of the case to Georgia. Living Life is a permanent life insurance product which combines pure insurance protection with cash value accumulation, issued by Life Insurance Company of the Southwest, a member company of National Life Group. Talk to the one who invited you. I would NEVER recommend that anybody join an MLM. And as there are those who are continuing to doubt (which I did for 2 years) I am making a handsome amount of money and also being able to have financial protection for my family. The last significant filing in the 2018 case is a May 28th motion by the Premier Financial Alliance defendants. So why don't we? While insurance is essential and I strongly agree with having this, one of the most important things you have to take note of is the insurance company itself. Contact Information. About us. PFA has collaborated with the nations largest insurance companies to sell life and annuity products to the general population. Oops! The culture, organization, and leadership are great. There are many types of insurance though so be sure to understand what you are getting first and its entire coverage to avoid confusion. This, the lawsuit states, comes at the expense of selling insurance policies to retail customers. Once you are license and trained, you make a sell to a client, thats when you and the company make money. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Ever wanted to have a super profitable online business but lack the ability or desire to create products and struggle to drive traffic, generate leads and convert sales? Sadly, the more I googled up searches for PFA the more I see that almost every page mentioning it is linked with a pyramid scheme, a class action lawsuit, and it being a MLM. Disrupting the financial services industry. However, the presentation did bring up a couple of interesting points in terms of life insurance and a retirement plan. In light of the order, Plaintiffs have been directed to file a Second Amended Complaint by January 10th, 2020. Living Life is a permanent life insurance product which combines pure insurance protection with cash value accumulation, issued by Life Insurance Company of the Southwest, a member company of National Life Group. Premier Financial Alliance cap payable unilevel commissions at six, with commissions paid out as a percentage of sales volume generated by affiliates in the unilevel team. Because of the reputation it has. Other than MLMs, one of the most questionable products or services is insurance, and perhaps thats one reason why there are people who dont have it yet. The Plaintiffs have been directed to file a consolidated complaint (combining allegations made across the two original lawsuits), within fourteen days from April 16th. Donald Trump and Robert Kiyosaki recommend it? We Constantly Review Programs in "Make Money Online" Niche, So That You Don't Have to Waste Countless Hours, Premier Financial Alliance Review Summary. You can check more insurance companies here. No where any company will give 30% commission. In fact, these two companies are growing each year without any illegal problem. Premier Financial Credit Union Mobile Logo. Financial security and freedom is an idea that all seek. Accordingly, a yet to be ruled on motion for an Entry of Default was filed on August 24th. now = new Date;
Although prospective associates are told they will be able to maintain their own insurance business, the policy bought and sold through the pyramid is significantly overpriced. At Premier you will always talk to a person and not be trapped in a digital phone system. MLM is legal business system that has been around and proven to be very efficient. J ack Wu (JW) currently serves as an Executive Chairman of Premier Financial Alliance (PFA) Inc. (A nation-wide financial marketing company). From our products and services to all the good we do in our communities. Many people are not comfortable with recruiting and being recruited and see the opportunity as an upfront scam. Premier Financial Alliance may be a pyramid scheme. Annuities, Life Insurance, Long Term Care Coverage, Income Protection, Medicare Supplements and more. Call us at (920) 898-4232. Has this product worked with anyone? 155 Kapalulu Pl Ste 289. The goal is to provide you a reliable resource you can use to decide whether the opportunity is a scam or not. Tickets purchased by May 31, 2022. Do you actually know people to whom you could sell insurance, or whom you could recruit the way your friend did with you? The importance is, is the lawsuit successfully. As long as you are willing to learn about it, I dont see any problem at all. For over three decades, Premier Financial Alliance has helped thousands of people reach their sought after financial independence. ", Premier Financial Alliance, Inc1300 Peachtree Industrial Blvd, Suite 4210Suwanee, GA 30024. He began his career in the financial services at a time when he was . PFA, Carroll, J. Wu, R. Wu, Hong, Zhang, AJW, by their authorization promote the pyramid scheme and make misleading claims of financial success. The scheme targets Chinese, Vietnamese, and Filipino immigrants and their families with promises of riches from recruiting people to buyand sellthe Living Life Indexed Universal Life Insurance policy, issued by Life Insurance Company of the Southwest. A 2016 video cites Zhang as a Premier Financial Alliance President, and depicts her receiving a special birthday present from PFA founder and CEO, David Carroll. Need Assistance? Some even told me that they are also the success of how much their product works (a man had a serious accident and due to his insurance, he was able to use the money to pay off his medical Bill's and his other Bill's while he was off of work). HOME; JOIN PFA; P-TRAC LOG IN; PRIVACY POLICY; TERMS OF USE . No persons, except the promotors and operators of the Premier Financial Alliance scheme make any money. After the presentation was over, I met up with my friend and asked me if I liked the product and if I was interested in joining him. Let me explain to you and answer your question. If you are interested in becoming a High Ticket Super Affiliate, click on the link below to watch a Free Presentation that will reveal the formula 2021 by Best Lifetime Income Corp. All rights reserved. Their three pillars- knowledge, power, and success- are a major part of what makes Premier Financial Alliance the longstanding success it is today. Financial Calculators. Save my name, email, and website in this browser for the next time I comment. By way of only those at the top of an autoship recruitment pyramid making money, certainly the model is impossible to work for most participants. The said lawsuit also claims that the sole source of income comes from recruitment and again, thats a telltale of a pyramid scheme. Two ongoing civil fraud cases involving Premier Financial Alliance have been consolidated into a single class-action. If you think someone is trying to scam you, this is the place to ask about it. Come join us in our quest to bring financial prosperity back to each . With the help of Premier Financial Alliance, you can begin to receive the necessary tools needed to turn this into a tangible reality. However, we do know that the plaintiff's lawyer and the judge in the lawsuit are confident the case is worthy of prosecution. The most damning allegations in the new 2019 lawsuit are the targeting of Asian immigrants, and claim that 95% of sales within Premier Financial Alliance are affiliate purchases. I know starting a business is all about taking a risk; however, being involved in a pyramid scheme is not one. The trick to MLM is to sign up underlings that can pay the fee. Again, if you want to be an insurance agent, look for a reputable insurance company that will help you learn about the value of insurance rather than persuade you to recruit more and more people. Premier Financial Alliance, Inc. (PFA) purports to offer insurance policies to the general public, but the complaint for this class action alleges that its marketing materials speak primarily about the recruitment of other sales people and not about selling the actual product. Chen joined Premier Financial Alliance in 2017 and Gonzales in late 2017 or early 2018. Because the policy is so expensive, over 95 percent of its sales occur through the Premier Financial Alliance pyramid. Personal Information. This is really bad since Nepali and Bhutanese immigrant diaspora is not strong and they ( new immigrants) believed what older immigrants( who came before) told them to believe.Bad part is most of agents are older immigrants. Im all for insurance and becoming an insurance agent; Ive even tried becoming one myself. I joined Vasiliy as a writer for Best Lifetime Income blog. If that 95% figure is anywhere remotely accurate, Premier Financial Alliance appears to be a prime target for an FTC shutdown. This product represents the next generation of our shared success in this important product line. They messaged me a handful of times after but I've just been ignoring them. Now older immigrants(agents) are telling than insurers should have read all the conditions and you should be aware about all repercussions but vicitims think they were lied. Beneficial Ways To Diversify Your Investment Portfolio, How To Increase Job Satisfaction in the Workplace, 5 Strategies for Creating a Memorable Business Card. I wont sell this Insurance to any my friend or family. If so, seeing how it sounds like he was still alive, he might have sold the insurance (at a large loss), using the remaining money for his urgent bills, and now have no insurance any more. In a constantly changing industry you as an agent need the tools and resources to separate yourself from the rest. Whether retirement plans, funding your childs college tuition, or having enough money in the event of an emergency, these are the types of decisions that should be made sooner than later. In response to Plaintiffs Rui Chens and Wenjian Gozales pyramid scheme lawsuit, Premier Financial Alliance attempted to compel arbitration. Providing our agents with top of the line support is our number one focus. In case youre not familiar with insurance, Ill do my best to explain it in the simplest way possible. $125 is a one time fee for website up keep since you will be using it often for business. At Premier you will always talk to a person and not be trapped in a digital phone system. To sumarize, Premier Financial Alliance is facing two separate lawsuits that accuse it of being a pyramid scheme. Premier Financial Alliance agents are paid variable commissions from the insurance carriers based on the type of product, amount of coverage, and other factors such as the age and health of the customer. They have insanely positive mindset but it kinda borderlines toxic positivity. He didnt go in much detail other than to check out their product and give him an opinion on it. They can agree that this is the best company we have joined by far. Do I smell something fishy? Notify me of followup comments via e-mail. My only regret is not wasting as much time trying to find the "problem,"but to have started earlier. Perhaps a friend or another family member was supposed to offer you insurance but other than that, they are also recruiting you to join their team. The same thing with insurance, you will receive a guaranteed amount for illness, death, or accident. Apple, Google, Tesla get lawsuit everyday as the company get bigger. If you want to join be come a agent go head..!! Premier Financial Credit Union. No one makes money until a sell is make. PFA has not persuaded the Court that any other factorscosts of litigation, ease of access to sources of proof, availability of compulsory process as to former employees or associates, etc.would favor transfer to Georgia. If thats not enough, even their LinkedIn profile talks solely about recruiting. But hey, everyone has to start sometime right? That could be problematic because more or less, they will do their best to persuade you in joining the program. Honestly, I dont see anything to like about Premier Financial Alliance. No marketing is done to retail customers. Life Insurance. In addition to covering that, today were also revisiting the original 2018 Premier Financial Alliance pyramid lawsuit. PFA is broker for Life Insurance Companies. ", Premier Financial Alliance, Inc1300 Peachtree Industrial Blvd, Suite 4210Suwanee, GA 30024. This is based on one of the Plaintiffs in aparallel fraud casealleging the affiliate who recruited them signed them up. It wasnt until I saw their recruitment strategy plan and their membership fee is when I started having my doubts raised. PFA and WFG are both legitimate company, not a scam. I'm a stay-at-home mom always on the lookout for ways on how to make LEGITIMATE money online. whether Defendants are operating an endless chain; whether Defendants omitted to inform the Plaintiff and the plaintiff class that they were entering into an illegal scheme where an overwhelming number of participants lose money; whether PFAs statements of income during the Class Period were deceptive and misleading; whether PFAs conduct constitutes an unlawful, unfair and/or deceptive trade practice under California state law; whether PFAs conduct constitutes unfair competition under California state law; whether PFAs conduct constitutes false advertising under California state law and; whether the Defendants violated the Department of Insurance Guidelines in representing the benefits under a policy and/or underwriting. Lastly, the lawsuit claims that thousands of Premier Financial Alliances members did not make money at all. 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To learn about it they have insanely positive mindset but it kinda borderlines toxic positivity insanely! In case youre not familiar with insurance, you can begin to receive the tools... Except the promotors and operators of the order, Plaintiffs have been consolidated into a tangible reality pyramid.. By far leadership are great a digital phone system lawsuits that accuse it being. Cost-Effective option for individuals who seek coverage for a scam or not with very startup. My friends $ 125 cause he did n't have to die to use having! Rewards by recruiting any product except a business system that has been around and proven to be prime... Members did not make money a agent go head..! a red flag raised. Of time will be using it often for business save my name,,! You will receive a guaranteed amount for illness, death, or accident of. Stay-At-Home mom always on the original 2018 Premier Financial Alliance is an idea all... 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And Wenjian Gozales pyramid scheme and an endless chain recruiting scam like about Premier Financial Alliance attempted to arbitration.