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  1. Last week
  2. Hello , I created a page on NAAIP's community forum for the latest news on FFL's class-action lawsuit regarding lead fraud. You are welcome to leave comments. Click here On this page you will see: A link to the class-action lawsuit A link to FFL's FTC cease & desist from the Federal Trade Commission (FTC). A link to NAAIP's YouTube Playlist of interviews to be used in litigation against FFL. I need you to view, comment, like and share videos from this playlist. Subscribe to NAAIP's YouTube channel. Most likely, the provision on the lawsuit dealing with "releases" will be retracted. Class-action lawsuits should be narrow in focus to enjoin as many victims as possible. Class-action lawsuits are typically the legal recourse when large corporations inflict small amounts of damage on numerous people. After reading the class action and consulting attorneys, my recommendation is that victims of Family First Life should file legal actions in their state court. Federal court's minimum claim would be $75,000. State law is usually more protective of consumers than federal law. Yet, one can file in Federal Court and collect on state laws. You can claim damages for "release" issues. Attorney Chris Wellman was kind enough to write down the argument for you in his filing. You can claim damages for lost wages, time and effort. You can claim emotional damages. You can claim additional damages. Most states grant treble (triple) for this type of tort. You can claim legal fees. I recommend that you file pro-se. Represent yourself. Availing the legal system is easy. Go to your local courthouse. Talk to the Clerk of Court, who is there to help you. I will help you. If you refuse to protect your rights as an American in availing our justice system, I recommend that you cease working as a sole proprietor. Find a job in a big company that has a labor union. You will file the complaint, fill out the "pro se" form in which you tell the court your contact information including email address. You will print the complaint in multiple copies. Name the defendant. I Googled "Connecticut Secretary of State corporation search", inputted "family first life". Shawn Meaike is the principle and agent. A person, other than yourself, must give, "serve", the lawsuit to Mr. Meaike or his representative. After filing the lawsuit, contact me and I can supply you with the contact information of FFL's two main attorneys. Both bill at more than $1,199 per hour. The court proceeding would be in your local area since Shawn Meaike and FFL are operating a business in your area. Large corporations with potential disputes nationwide usually have written agreements that mandate that disputes be settled via arbitration in the corporate headquarters' hometown. If needed by an interested party, I downloaded Shawn Meaike's introduction 5-minute YouTube video, in which he talks about "fresh leads" and "no contracts." The class action case needs lead plaintiffs in each state. One is not allowed to double-dip. You cannot collect on both the personal and class action lawsuit on the same issue. If you were the lead plaintiff in the class-action in "Nebraska" and sued personally, then FFL would be encouraged to settle your claim in order that you would "drop out" as the lead plaintiff for Nebraska. Please reply to me if you have bought leads from FFL. Tell me the approximate amount of your purchases.
  3. Call NAAIP office any time at 561.440.9245 - To get started.
  4. Good luck with the lawsuit. every dog has their day!
  5. How can we join the class action lawsuit?
  6. So we must let you interview us on youtube for you to gain too. Umm 🙃
  7. Leads suck with more than FFL... they are quite clearly, everyone that i have used to get leads, completely duping potential clients with promises of sweepstakes, etc...ALL OF THE IMOS. Additionally, getting the required signatures from ANY IMO is a nightmare. Good luck with the law suit.
  8. Earlier
  9. Guest

    2020 AHIP

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    2020 AHIP

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  11. Hi. My son has been working as a life insurance agent for about 2 years. He's in Maryland as is his agency. I think he's doing a very good job so far but I'm his father. But, he's selling and making good money. To get into this, he studied, got his licenses in 3 states including Maryland and has been selling ever since. It's a hell of alot of cold calling and long hours but he loves it. He does really love his job and just wants to get better. He's a sponge and wants to learn everything. Here's the issue: The Agency owner is a real piece of work. He needles my son and a couple of others ever chance he gets. He also mistakenly assigned my son's sale/commission to another agent who rarely comes in and who most don't even know. This has happened more than once. There always seem to be delays on getting paid his commissions. On a few occasions, my son sold some good policies, let's say $1000 but when he got paid he got paid on $700 or $500. My son loves his job. He works 7 days a week. But the owner gives him [email protected]#t every chance he gets. My son and I talk about the possibilities of staying with the same insurer but switching to a different agency. He's afraid to bring this up because he'll get fired. So, he really has no one to ask if this would work or what his options might be. So I came in here and posted this. Apologies ahead of time for not understanding the business and or not using the correct insurance speak. I'd really appreciate any suggestions. Don't ask me why but my son absolutely loves his job, loves making numerous calls every day and closing once in a while.
  12. Family First Life and Shawn Meaike were served in a class action lawsuit. To view the lawsuit that was filed last week in the US District Court, Southern District of California. Click here - https://www.naaip.org/first-family-life-class-action-lawsuit-ffl.pdf Chris Wellman, the attorney, requested my help to find lead plaintiffs in the various states. Each state has distinct laws that would cause additional penalties for lawbreakers, but an agent from that particular state must step forward as the leader of the class, otherwise reliance on federal law will prevail. The two issues being litigated are 1. Lead fraud - agents that have bought leads from Family First Life. The second issue is 2. Trouble getting released from carriers after wanting to leave FFL. Being involved in FFL leads is easy to prove or disprove, obviously. Trouble getting released is another story. FFL recruiting material stated, "You can come and go as you please, go work wherever you want." Yet, when agents requested to move their contract elsewhere, onerous requirements were made to obtain FFL's signature to release. I suppose, once an FFL agent knew of these "onerous requirements" most agents would have given up on the issue and waited the 6-months of no sales for his/her preferred carrier. The class action is focused on these two issues only. There is a distinct possibility that the lawsuit will be amended to only cover lead fraud. Agents are encouraged to seek justice in the state court system. Lost wages, punitive and treble (triple) damages are available in many jurisdictions. Please join NAAIP's daily video conference call, and we will walk you through the steps to attain justice. It should be noted that many agents entered the Family First Life IMO based on deceptive recruiting. The Federal Trade Commission (FTC) served Family First Life a cease & desist on these deceptive practices on December 27, 2021. "The FTC determined that Family First life is unlawfully misrepresenting that consumers who become Family First Life business opportunity participants are likely to earn substantial income." I would like you to interview you to our YouTube Channel dedicated to this matter. Click here for the current interviews online - https://www.youtube.com/playlist?list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX I am adding new videos every day.
  13. You can obtain FREE leads from your library - watch video here for more details:
  14. The Greg Birch whistleblower interview is jaw-dropping. Click to hear on YouTube - https://youtu.be/DJCpkNDbIDo Like, subscribe and share. I was hoping that the lead-selling IMO, who is paying their lead attorney $1,200 per hour, would drop the case against me. The plaintiff attorney told me, that the lead-selling IMO will end up spending one million dollars if this case goes to trial. Hearing these numbers, I am, like. "Lets be friends." There was an attorney's meeting (I am representing myself) earlier in the week, in which all sides get together to present to the judge the deadlines for procedures. Tentative trial date will be in April 2023. West Palm Beach Federal Court. Case No. 9:22-cv-80243-AMC. At that meeting, the plaintiff attorney tells me that the supposed defamation was a "minor" point. It is apparent to me that their goal is to "shut me down." On my six-day per week video conference calls, I state, day after day, that it is the agent's job to learn and implement the skill-set to generate leads. My existing is a threat to their business model. Greg Birch states in minute 29 of the interview: "thousands of agents spent thousands of dollars on leads and did not make any sales." What is a million dollars in legal fees, when three thousand agents spending three thousand dollars each equals $9,000,000. Plus, I will busy for the next year acting all lawyerly instead of working on building up NAAIP. I appreciate those agents that have been interviewed by me on YouTube. My job for the next year is to interview more agents. An agent a day. If the lead-selling IMO believes that I have countless friends, then they will come to their senses and drop the lawsuit.
  15. On Fri, May 27, 2022 at 2:44 PM Guido-Hernandez, Maria <[email protected]> wrote:
  16. Conversation with investigator Eric from Minnesota. The complaint was filed by me after Robert Taylor of MN tells me that he filed a complaint. Mr. Taylor of MN tells me that he spent $9,000 in leads and did not make one sale. Afterwards, I filed my complaint to MN with additional information, including the Greg Birch whistleblower interview. Eric listened to Greg Birch and received the Robert Taylor complaint. I don't know if MN will do the pro-active investigation, which would mean that MN requests the list of new agents for the IMO and the list of their sales, for their preferred carrier. It would be a fairly simple investigation to track what happened to these sales. End game is churning and elder abuse. Eric Lohman Investigator 651-539-1649 mn.gov/commerce eric.lohman (at) state.mn.us Minnesota Department of Commerce 85 7th Place East, Suite 280 | Saint Paul, MN 55101
  17. I filed a complaint with Washington State with lots of evidence of fraud. The main evidence sent over was the Greg Birch Whistleblower 34 minute interview. Jessica tells me that they will close this particular case after consulting her boss. Greg laid out the case as lead fraud that hypothetically should lead to churning and elder abuse. Jessica thanked me for bringing this evidence to her attention, and her department will keep an eye on this issue. Jessica suggested that it would be a Department of Labor investigation, or a class-action lawsuit, or even that the home state of the Lead Seller / Agent Recruiter should do the investigation. The current statutes of her state don't allow investigations to look into this matter unless they have a particular in-state client name and details who has specific evidence of churning or elder abuse. In essence, I would have to bring the name and details of one client who bought a high-priced policy and then later replaced it with a different policy from within the same IMO. The client does not necessarily have to file the complaint. I could do for him or her. Apparently, what, I thought, was evidence was just the outline of the technique of defrauding others, but was not specific evidence. Jessica tells me that there are current investigations of Mortgage Protection lead fraud, in which the prospect is mailed something that gives the impression that the state is mandating or encouraging the client to buy mortgage protection life insurance. After listening to the Greg Birch Whistleblower Interview. Greg is describing how the new agent becomes the victim. Apparently, Washington State investigative powers are not there to protect the agent. Moving forward, I will be encouraging agents to find me at real live clients who were victimized, so I can bring this evidence to the state. Below is the investigator's contact information Jessica Bullington, MCM Fraud Analyst Regulatory Investigations Unit Legal Affairs Division Washington State Office of the Insurance Commissioner Phone: 360.725.7259 Jessica.Bullington (at) oic.wa.gov
  18. Attached is an audio interview with Greg Birch, a superstar in the MLM insurance agent recruiting industry. His 45 agents wrote $391,000 in monthly API. Greg is a former intelligence officer in the US Army, an impressive individual. Greg Birch talks about violations of the law and specifically states "criminal activity" in minute 31 of the 34-minute interview. Every minute of the interview has stunning revelations. It is a "must-hear" for any agent or department of insurance investigator. As you are hearing Greg Birch's voice, you are ethically required to act. First step is to report this information to your state department of insurance. Google "department of insurance complaint 'your state'" and file the complaint and details as a consumer. I can walk you through the process. I would want you to take the next step to help me prepare for trial. Meanwhile, I am being sued for defamation at West Palm Beach Federal Court. Case No. 9:22-cv-80243-AMC. We are at the beginning stages of the court proceedings. I Googled "federal defamation law" and found. Actual Malice Standard In The New York Times Co. v. Sullivan, 376 U.S. 254 (1964), the Supreme Court held that for a publicly known figure to succeed on a defamation claims, the public-figure plaintiff must show that the false, defaming statements were said with "actual malice." The Sullivan court stated that "actual malice" means that the defendant said the defamatory statement "with knowledge that it was false or with "reckless" disregard of whether it was false or not." The Sullivan court also held that when the standard is actual malice, the plaintiff must prove actual malice by "clear and convincing" evidence, rather than the usual burden of proof in a civil case, which is the preponderance of the evidence standard. On this point, the precise language the Sullivan court uses is that the plaintiff must show "the convincing clarity which the constitutional standard demands." Meaning, the plaintiff has to convince the court that I knew I was lying. The Greg Birch interview should cause me to win the case in a "slam dunk." The question is, will the plaintiff convince the Judge to disallow this audio interview because Mr. Birch suddenly is nowhere to be found? This case has national implications for hundreds of thousands of agents and clients alike. Greg stated in minute 29 of the interview: "thousands of agents spent thousands of dollars on leads and did not make any sales." I, personally, spoke to many of these "sad" agents and talked about this issue on my six-day per week video conference call. Lead fraud is discussed throughout the interview, starting at 7:58. Of particular interest to the department of insurance investigators will be Greg talking about "bounty" or "integrity" leads in starting in minute 9:52. Churning and elder abuse is what the state regulators will investigate and prosecute. Elder abuse mentioned again at minute 30:38. To assure victory at trial, I need witnesses, affidavits, etc. In my opinion, the most valuable evidence is me speaking with you and audio recording or videoing the conversation. To keep the interview on target and to the point. It is best that you write out the story of what happened to you. Read your statement, and we can have a conversation afterwards. I hear in the Greg Birch interview that me interjecting does not help much. Months or even years down the road, there maybe a jury trial in West Palm Beach, Florida. I sincerely believe that if I collect enough interviews of affected and interested insurance agents, then the lawsuit will be dropped. As an aside, I call Greg, expecting him to be the star witness. Greg is not picking up the phone and according to his LinkedIn profile, he found new employment. And a few months ago, as the plaintiff attorney and I were discussing issues, the plaintiff attorney stated that her side was willing to spend one million dollars on legal fees. Please help me. Thank you,
  19. my friends and I have been hoping about. The niche of specifics on the network is excellent and needed and will help my kids and I in our studies twice a week or more. It seems like this forum acquired a lot of details concerning this and the other hyper links and info really show it. I'm not usually on the web during the night although when I drinking a beer I am usually hunting for this type of knowledge and things closely concerning it. If someone gets a chance, have a look at my website: [url=https://bioscienceadvising.com/how-to-write-grant]grant editor[/url]
  20. Previous subject line: The Most Important Email in My Life. I Beg For Your Assistance Hello Agent, I am not exaggerating. I need you to be interested in your fellow citizens, in NAAIP's and my well-being. A defamation lawsuit has been filed in West Palm Beach County Federal Courthouse against numerous people associated with NAAIP. Last week's newsletter, which is now on YouTube - gives a decent overview of why agent recruiters that sell leads are willing to spend big money on legal fees in an attempt to silence me. According to insurance license ethics requirements and common law in the 50 states: If you know of a crime, you are required to report the crime to the proper authorities. NAAIP's defense at trial will be that we were told specifically by a former Senior Vice President of the plaintiff's company that plaintiff was engaged in lead fraud and churning. I have the audio proof - A 38-minute interview. The most explosive claim by the former Senior VP is as follows. New agents were sold supposedly exclusive leads that were sold to many others. New agents were recommended to sell a severely overpriced and easy to replace policy. Leads and sales data were inputted in the agent's CRM (customer relationship manager). When the agent left the company, the CRM data, which includes their sales, was sold as a lead to a more experienced and loyal agent who would instinctively know to replace the overpriced policy to offer "more coverage, same price." This sequence of events leads to additional lead selling revenue and additional override commission for the upline IMO. The client who bought the overpriced policy initially will eventually be insured by the better policy. Meanwhile, the client restarts the two-year incontestability clause over again and loses accumulated cash value by cancelling the initial policy. Elder Abuse statutes exist in every state. Googling "elder abuse California" leads to California Penal Code 368 PC defines elder abuse as the physical or emotional abuse, neglect, or financial exploitation of a victim 65 years of age or older. The offense can be prosecuted as a misdemeanor or a felony, and is punishable by up to 4 years of jail or prison. You may have been victimized by lead fraud from an IMO and have had sales that were replaced by agents that work for the same IMO or associated entity. Note that multiple IMOs are owned by the same parent organization. You may have spoken to a fellow agent or prospect who has experienced these phenomena. In either case, you have an ethical obligation according to your insurance license to report crime. The 50 states' Department of Insurance have dedicated investigators. Google "department of insurance complaint 'your state'" and file the complaint and details as a consumer. In California - https://cdiapps.insurance.ca.gov/CP/login/ In Florida - https://apps.fldfs.com/ESERVICE/Default.aspx In Texas - https://www.tdi.texas.gov/consumer/annuity-life-insurance-complaint.html I am in the fight of my life and will walk you through the process. I can email you the audio interview of the former Senior VP who has provided us information. For those who are true friends of justice, I would love you to do a recorded interview about your specific experiences. You will be hearing more details about the aforementioned Federal Defamation Trial in the future, and affidavits and witnesses will be needed.
  21. Hello , (Next video conference call in 45 minutes!) The Following Bullet Points Explain the Current Situation: NAAIP holds a 6 day per week video conference, and we tell the sad truth about the likely outcome of being a new insurance agent. Common knowledge is that 92% of new agents will fail. These new agents will not renew their license in year four. Included in these 8% that succeed are agents from NYLife, Mass Mutual, Northwest Mutual and financial advisors who are much more likely to succeed. The fail rate of agents that get recruited into entities that stress Final Expense, Mortgage Protection and "Building a team" has to be close to 97%. The recruiters know these numbers, and they endeavor to profit by selling leads to the new agent. Recycled leads that are the equivalent of "data." I hear these stories daily, and it breaks my heart. Agents being wiped out financially by getting an insurance license. There are dozens of entities that recruit in this 97% fail market. My advice would be to stop and think. Specifically, get a written guarantee of lead exclusivity from an entity that recruits agents into this 97% fail market. Be prepared to take legal action to protect your rights. Probably best to not buy leads from lead sellers who have a large database of gullible buyers. Think about the concept of final expense whole life insurance. If you were a 65-year-old broke person without a burial plan, you have a few options. If I were 65 years-old and broke, I would walk into the local funeral home and ask them for help. The licensed agent at the funeral home would present me a pre-need burial life insurance policy which has the feature that the premiums actually end, etc. In essence, don't sell in this market until you have put yourself in your prospect's shoes and have done the proper research. Similar with mortgage life, which is term life for new homeowners. Mom, Dad and kids. Perfect for life insurance sales. Best rate for 35 year male non-smoker 1/2 million dollars of coverage for a 20-year term is $238.25 /year. How on G-d's green earth can the agent afford to buy the lead and do a home visit to sell this policy? There is not enough profit to actually do the best policy for the client. On the other hand, if you overcharge the new client with an uncompetitive carrier, you will be more likely to get a cancellation and forgo the opportunity to sell a bigger "retirement planning" type of policy in the future. I invite new agents to analyze this mortgage protection market, and you may realize that the only way you can stay in business is to develop relationships that allow you to sell "retirement planning" type of policies eventually. Build a team. The immediate upline is the guarantor of downline bad debt. Recruiting an agent that has a 97% fail rate and guaranteeing their debt does not seem smart. All the while, the MLM levels above you are encouraging you to "build a team." An added bonus to the MLM of you recruiting agents is that it allows them to sell recycled leads to more new agents. Gee, that help you lots. Dozens of recruiters are in the new agent market. To cut to the chase, These recruiters don't like NAAIP. Personnel at NAAIP have been threatened with defamation lawsuits. Months ago, after being lawsuit threatened and having no desire to engage in any legal battles, NAAIP immediately ceased making references to specific carriers and recruiters. As well, our licensed agent partners were lawsuit threatened and had no desire to accept referrals from NAAIP. Imagine the legal fees that Amber Heard and Johnny Depp are paying. OMG. On the other hand, there is a desire to protect innocent people. Thankfully, there are 50 states and each state has dedicated personnel whose job is to investigate fraud. Obviously, lead selling fraud can potentially lead to churning and elder abuse. That is something that the 50 state departments of insurance would have to investigate and prosecute. NAAIP is not the government. Certain states will only accept complaints from affected state residents. Be aware that NAAIP wants to protect the public from being defrauded and has evidence that will certainly help a state in its duties. To put it bluntly, If you have been a victim of lead fraud, talk to me. Congratulations to Mario Herfy who did an impressive job setting up a video at the top of his website and, as you scroll down, you see Mario's Team www.herfyfinancialgroup.com. I made a link from NAAIP's home page to show Mario's site as an example website. This will help Mario's SEO. Talk to me if your website is impressive, so I can link it from NAAIP's home page.
  22. I have been searching for a long time for information on how to take care of her and how to help her. Finally, I found information https://www.thekey.com/learning-center/alzheimers-and-dementia-caregiving/how-to-have-more-good-days-with-dementia. You have to remember that people with dementia have a much harder time learning new things, adapting to an unknown environment. Suppose a person can maintain conversations on some topics. In that case, it is worth striving to communicate with him on them and maintain interest - this is also a factor inhibiting the development of dementia. If you have relatives suffering from this disease, consider these nuances.
  23. Hello, (Next video conference call Now!) I have so much information about this business. It is mind-boggling. And I want to share this knowledge with you to help you succeed. As an aside, the website builder technology that my company has built is superior to the competition and severely underpriced. Combining these facts means that I cannot limit NAAIP to be another recruiter, upline or IMO. We would like to work with all insurance agents and financial advisors. Obviously, if NAAIP were recruiting agents, then we would not be getting referrals from others. Please join me now. Video Conference Call: Monday to Thursday Noon & Weekends 2pm ET Dial 1(888)532-9320 or www.meetings.dialpad.com/naaip www.naaip.org/dental-plans is a non-insurance product that we are still making credits for the ad-free website if you make sales. Please contract, learn and sell this product line. Your site should be on a domain name that you own! - If you don't feel like doing the step one and two yourself, send me your domain username and pw. I will do it for you if you are a contributing subscriber. Thank you for giving me the opportunity to help you earn more money.
  24. Credit history isn't checked by insurance companies, especially if you want to insure, for example, a bicycle from https://sundaysinsurance.co.uk/bicycle-insurance or anything else that isn't of great value. The fact is that there are fake companies that can provoke you into buying a loan so that you take out their own insurance. Scammers often pass themselves off as loan and insurance brokers. They take advantage of the fact that many people don't understand brokers' functions and powers. Credit history only affects the chance of credit approval.
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