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  1. Last week
  2. It's been a long journey. I first become aware of the premeditated frauds that Family First Life was committing in January, earlier this year. Latest News: Mark Dobronski of Michigan has filed a Federal Lawsuit against Family First Life, various FFL associated insurers, nine individual insurance agents and one agency. Mr. Dobronski is being harassed/spammed by overseas call centers daily. Read the Federal Lawsuit below. The plaintiff is asking the court for $552,250 based on 45 illegal calls, legal expenses and for Family First Life to stop calling his phone. https://www.naaip.org/family-first-life-do-not-call-michigan-federal-court-1.pdf This lawsuit is a road map for any American who is being harassed by Family First Life to follow. Mr. Dobronski bought policies to show proof that Mutual Omaha, Americo, and the agents were also violating the law. I would advise the following agents that are being sued: Luke Friedman, Claudia Shannon Adams, Donte Grant, Olivia Perez, Vanina Bonanno, Vanessa Isabel Powell, Emmanuel Igweh, Dario Wickham, Khonsavan Vongdara, Your Senior Care, inc. to reach out to me and I will do my best to assist you to negotiate a settlement. Mr. Dobronski also told me of a lawsuit that is making its way through the Michigan state courts against another lead selling IMO fraudsters named Douglas Massi. Carlos B of Indiana tells me that he bought leads from Mr. Massi and was forced to hire a Michigan attorney to defend himself. Douglas Massi left his lead client, Carlos B, hung out to dry. I encourage Carlos B to sue Mr. Massi and complain to the Department of Insurance, Attorney General in his state and the FTC. I am wondering if Family First Life will do similar as Mr. Massi to the 10 agents that are being forced to defend themselves in Federal Court. I was thinking that violating the TCPA, "Do Not Call" Laws was a small fine, but I was mistaken. From the FCC website "Violators may be subject to fines of up to $16,000 ($40,000 beginning 08/01/16) per violation." Mr. Dobronski also tells me that each call usually involves 5 separate violations. That is how Mr. Dobronski got to $552,250 based on 45 phone calls. It is safe to say, if you are buying leads from Family First Life, any of their Integrity Marketing Partner affiliated companies, Douglas Massi or others that are hiring Pakistani / Filipino call cents that you will be sued. Wes Newman, who I interviewed last month, click here, tells me that he is now working with America's premier "Do Not Call" class action-attorney, and have already filed a lawsuit against Total Insurance Brokers which also goes by TogetherHealth Insurance and Medicare Coverage Helpline. Integrity Marketing Group will be the next lawsuit they file. Obviously, I put Wes and Mark in touch with each other. Please view my latest YouTube video which elaborates on $34,000 fine that Equis Financial received from the Texas Department of Insurance. Yesterday, I interviewed agent Jerry McGee who described how he was defrauded by American-Amicable Life Insurance Company of Texas and how he prevailed in his lawsuit against them. Stay tuned for that video. I have been in contact with the Attorney General of the State of Florida. Florida Attorney General Ashley Moody is personally involved in this case, and she knows about the frauds that Family First Life is committing. Like my YouTube videos if you appreciate my work in helping America's new insurance agents. Your site should be on a domain name that you own! - If you don't feel like doing the step one and two yourself. I will do it for you if you are a contributing subscriber which is $12 per month. Thank you for giving me the opportunity to help you earn more money.
  3. Two lawsuits filed against Family First Life. https://www.naaip.org/family-first-life-v-suescum-sms-to-agents-1.pdf is a class action for robo-texting agents. It was filed in Federal Court in Florida. FFL was, of course, lying on the robo-sms about high incomes to the agent and having a surplus of leads. This class action lawsuit will be asking for over 5 million dollars. https://www.naaip.org/family-first-life-do-not-call-michigan-federal-court-1.pdf was filed by Mark Dobronski of Michigan. A former Justice of the Peace, who knows the law and is adamant that he wants FFL and its co-conspirators to stop harassing Americans via offshore call centers. I introduced Mark to Wes Newman - See Wes's YouTube interview - Mark's lawsuit is a road map for any American who is being harassed by FFL to follow. Mark is suing the carriers and the agents. He bought various policies to show proof that Mutual Omaha, Americo, etc. were also violating the law. Mark sued the agents as well. Great idea to buy FFL leads. You will end up getting sued by an angry citizens like Mark. Mark is asking the court for $552,250 based on 45 illegal calls, legal expenses and for FFL to stop calling his phone. Dombrowski vs Family First Life, United of Omaha, Americo, Great Western, Your Senior Care, Luke Friedman, Claudia Shannon Adams, Donte Grant, Olivia Perez, Vanina Bonanno, Vanessa Isabel Powell, Emmanuel Igweh, Dario Wickham, Khonsavan Vongdara family-first-life-do-not-call-michigan-federal-court-1.pdf
  4. Call my office at 561 440 9245. As well, register at www.naaip.org to get on my email list.
  5. I would like to speak with you please. I have some stalking and spying that happened to me last year and I am STILL being stalked as an agent
  6. Do the simple math. At their NJ sales summit alone, an event done all over the US by the way, FFL posted on a large screen for all to see and take pictures of, information about APV volume, number of downline agents and growth percentage of 21 agency owners that had sold their businesses to Integrity Marketing. Totaling the number of downline agents or "unique writers" as FFL likes to refer to them as there were over 17,000 agents working under these 21 "managers". FFL pushes agents to purchase at least 100 leads per week. 17,000 writers, which is only a small percentage of the total number of agents, times 100 leads equals 1,700,000 leads per week. Multiply that by 52 weeks in a year and that means that FFL would need to generate over 88,000,000 leads annually for those agents alone without recycling them, if their statement about not reselling leads is true. Add to that the number of agents under other agencies and the number skyrockets. There are roughly 140,000,000 households in America which means that after 10 years of business FFL has a database with every household in America in it. Give me a break... The other eye opening figure is if you take an average lead cost of say $9, FFL is generating an enormous amount of revenue selling leads.
  7. Please call my office. Complain to the attorney general and dept labor and insurance in your state. You will probably get a referral to sue from the AG.
  8. I was with FFL for about 6-8 months. I thought it was the greatest thing in the world when I first started. I bought leads and helped a ton of families, I made a lot of money and went full time. I was told to invest back into the leads provided by FFL. Over time I noticed the same names coming in often, phone numbers that didn’t work, and people who told me they never filled anything out and never wanted to be contacted again. Even the Mortgage Protection leads were bad. They were $60-$90 per lead and a lot were duplicates and when you called them they had already bought a month or two before. Once the chargebacks came in it was hard to make any money at all. I think I spent $40,000 on leads and with chargebacks I barely broke even. You can do well with insurance, but the FFL business model is a true scam.
  9. Earlier
  10. Equis Financial got slapped with a $34,000 fine from the Texas Department of Insurance. This Integrity Marketing Group company is embedded in fraud. Defrauding the client and agent is part of their business. I will bring before you multiple proofs to prove my claims. It is my sincere belief that without fraud, deceit and lawbreaking that companies such as Equis Financial and Family First Life could not exist.
  11. from: attorney.general@myfloridalegal.com Florida Attorney General Ashley Moody received your correspondence regarding Family First Life. Attorney General Moody asked that I respond. We appreciate that you consider this office as a source of assistance. The Attorney General's Office is concerned with all potentially deceptive and unfair trade practices. We have shared your information with the Attorney General's Consumer Protection Division. We encourage you to contact the Federal Trade Commission (FTC) regarding your concerns with this company. In 2021, the FTC sent a cease and desist demand letter to Family First Life (see https://www.ftc.gov/system/files/warning-letters/cease_and_desist_letter_to_family_first_life_llc-_12.27.2021.pdf). The contact information for the FTC is: Federal Trade Commission Phone: (202) 326-2222 Toll-free: (877) 382-4357 Website: http://www.consumer.ftc.gov Online complaint site: https://reportfraud.ftc.gov/#/ You may wish to also file a complaint with the Florida Department of Financial Services (DFS), Division of Consumer Services as they review insurance related complaints in our state: Florida Department of Financial Services Division of Consumer Services Telephone: (850) 413-3089 Toll-free in FL: (877) 693-5236 Website: http://www.myfloridacfo.com/division/consumers/ You can also find information about business opportunities and tips on resolving consumer problems online at: http://myfloridalegal.com/__85256CC5006DFCC3.nsf/0/3E25F27B7A59E5FD85256CC9004E874D?Open&Highlight=0,business,opportunities https://consumer.ftc.gov/articles/multi-level-marketing-businesses-pyramid-schemes https://consumer.ftc.gov/all-scams/money-making-opportunity-scams https://consumer.ftc.gov/articles/solving-customer-problems-returns-refunds-and-other-resolutions Finally, individual consumers may bring a civil action through the courts for damages, attorney’s fees and court costs under Florida’s Deceptive and Unfair Trade Practices Act. Because our office is not at liberty to give legal guidance to individual consumers, if you need legal guidance, please consult a private attorney. The Florida Bar offers a Lawyer Referral Service toll-free at (800) 342-8011 or online at https://www.floridabar.org/public/lrs/. Thank you for contacting the Attorney General's Office. We hope this will assist you. Sincerely, Alexis Keller Office of Citizen Services Florida Attorney General's Office PL-01, The Capitol Tallahassee, Florida 32399-1050 Telephone: (850) 414-3990 Toll-free within Florida: (866) 966-7226 Website: www.myfloridalegal.com
  12. Integrity Marketing Group (IMG) and its subsidiaries which include Family First Life, Equis Financial, National Agents Alliance, PHP Agency and others are on the radar of the regulators. The more I learn about this operation, the more convinced I am that it is one big fraud. I have not sent you a newsletter update in a few weeks because I have been super-busy in editing and improving the existing videos on NAAIP's YouTube channel. Family First Life grew to be an agent recruiting powerhouse because of Hollywood quality video production team, I want that skill-set. The subject-matter of the Greg Birch Tyra Hamilton, Andrew Holland whistleblower were explosive, but the videos were lacking in basic editing and thumbnails. I am learning and have addressed these issues on existing videos. Other videos by agent Mark Sias, Ronald Le Vine, Nate Fudala, Mario Herfy, Mr. Mekika, Agent Kari, Agent Sheria, Agent Cris, Agent Lakeisha, Agent Alene, Agent Nicole, Agent Guy, Agent Sam and others were just as consequential. YouTube showed me its analytics tools and I understand that low quality does not work. I need you to encourage me in my journey. Please view all the videos on the Family First Life Class Action Lawsuit Witness List. Like the video if you appreciate my work in helping America's new insurance agents. In the future, I will only be uploading quality videos to YouTube. Proper editing, and dozens of hours of work can get any video to be Hollywoodesque. I am willing and able to implement this task. I need interview subjects, please call me to tell your story. Particularly if you have knowledge of frauds that Family First Life and friends have committed. IMG's Equis Financial subsidiary got slapped with a $34,000 fine from the Texas Department of Insurance (TDI). 4. TDI received a complaint from a reverse mortgage lender that Equis was mailing postcard advertisements to Texas residents containing words that had the tendency and capacity to mislead and deceive the recipient about the identity of the sender. The postcard included true data from public records, identifying the addressee’s home mortgage lender, the loan amount, closing date of the loan, and the mortgage identification number. 5. The postcard stated that the “The Mortgage Service Center” was attempting to contact the borrower related to protecting their new mortgage and provided a toll-free number for the borrower to call. Data on new mortgage holders is public information. Anyone in the market of selling mortgage protection insurance should be accessing this list direct from the source. We discuss this on my 6-day per week video conference and on www.naaip.org/lead-services. Buying leads from Family First Life or any of its sister companies is a foolish, a self-inflicted wound. In your complaints to your State Attorney General and other government agencies, I suggest that you include a link to my playlist of interviews of the victims and whistle-blowers https://www.youtube.com/playlist?list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX
  13. Dont buy FFL leads, join www.naaip.org to be on my email list. Learn about the industry and FFL by watching the YouTube playlist of witnesses. And we can have a long conversation at one of our six day per week video conference calls.
  14. Hello. Just wondering what’s going on with this lawsuit now or what came of it? I’m new with FFL and am being force fed the lead lies and now don’t know what to do?
  15. Dr. Jason Perry, a constitutional scholar gives us a 32-minute first-hand account of the fraud that occurred at Equis Financial during the winter of 2021 before they received the cease and desist from the Federal Trade Commission - The FTC, for deceiving new insurance agents into believing that they should expect to earn high incomes from joining their Multi Level Marketing, MLM, lead selling organization. It is apparent to me that Equis Financial hired actors to act as regular insurance agents on their Facebook video conferences. The "so called regular agents" acted is if they are earning big money from buying Equis Financial leads. The FTC put a stop to this aspect of the fraud. Dr. Perry gives us detailed examples of additional frauds that this Integrity Marketing Group subsidiary, and sister company of Family First Life did. Dr. Perry's animated explanations, I believe, lets us understand perfectly the dynamics of this scam that is being thrust upon new insurance agents. Please like, comment, share and subscribe. Most importantly, if you are a victim of an Integrity Marketing Group company such as Equis Financial or Family First Life, please file complaints with your state attorney general, The FTC and other relevant government agencies. I will include the proper links in the video description. Click to see video -
  16. Emailed out months ago. 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 AP. 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.
  17. from 6/27 Call center owner Andrew Hollern joined Family First Life in 2015 and worked there until 2018, until he was Vectored for over $100,000 in downline debit. Initially, Andrew called my office anonymously, wanting to help out in the court battles against Family First Life. I have noticed that when insiders call anonymously, they feel more comfortable exposing the industry's dark secrets. This call is a must-hear for any agent. 40 minutes of insider perspectives and facts. I brought you the Greg Birch and Tyra Hamilton whistleblower interviews. The Andrew Hollern interview brings my YouTube channel the Trifecta. I need you to watch, comment, like, subscribe and share videos on my Family First Life Class Action Lawsuit Witness List - The title of Andrew's video is "Family First Life Leads Are Absolutely Trash, It Would Be Better To Call From the Phone book" It is the third video on the playlist. Click the direct link. The rest of the videos on the playlist are primarily agents who bought leads/data and had no success. From my perspective (and Andrew's), agents who enter the profession of selling insurance must develop the skill sets, and a proper game plan to succeed. For countless agents the above paragraph is "foreign concept" and I suppose that this is the core reason why so many agents are being defrauded. Whether it be by purchasing phony leads and/or being conned into guaranteeing the bad debt of recruited agents. I thank agents that have become paid subscribers to NAAIP websites. If you are contributing, I am here for you to help you put your website on your domain name and will give you special attention in helping you earn money as an agent. Non-contributing NAAIP website users who have over 5 hits will notice a big image at the top of your website that states, "class action" and links to https://www.naaip.org/community/topic/481-ffl-family-first-life-class-action-lawsuit/ Congratulations to me: If you Google "insurance agent websites", or related keywords such as, builder, agency, websites, with quote engines, etc. and numerous other related keywords NAAIP.org is #1 after the adverts. If you need to log in to your NAAIP back office, I would appreciate that you Google "insurance agent websites" to access. 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 password. 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.
  18. from June 10th Tyra Hamilton Phone Call is Huge. Tyra Hamilton from Oregon, a level 125 commission agent at FFL, Family First Life, calls our office and tells us inside-inside information that only the top-level executives at FFL and Integrity Marketing Group should be privy to. Tyra Hamilton tells us how she secretly recorded a meeting between the executives that reveals the dirty truth about the "Integrity Deal." Tyra gives us her honest truth about the leads that FFL sells to unsuspecting agents and her desire to leave FFL. Stunning revelations. This conversation will be forwarded to the FTC and Department of Insurance, State of Oregon. As a reference, the following is the Greg Birch Whistleblower interview - Please subscribe, make comments, like and share my videos. I created a Playlist of currently 20 relevant videos. Each video is special in its own right. Guy McCord of Texas video explains how he spent between $2,500 to $3,000 and 60 days of his life calling bogus data. Mr. McCord filed a complaint with the Department of Insurance, State of Texas and informed the Federal Trade Commission (FTC). Mr. McCord tells me that he will be filing a federal lawsuit against FFL to recoup his lead costs and time and effort. I suppose Mr. McCord will depose and bring Greg Birch as a witness. They live in the same area. Please show interest in NAAIP's battle with a Family First Life, An Integrity Marketing Company, a lead-selling insurance MLM. We are being sued for defamation. Tentative trial date is April 2023. I need witnesses and interested parties to stand up for justice. I consider this a frivolous lawsuit, but one must prepare anyway. Please join my 6 day per week video conference call to discuss and help NAAIP succeed.
  19. 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.
  20. Subject line: Overseas call centers that harass - A 34 years old gets 90 calls per day. Huge evidence in FFL case. This YouTube interview is the most important piece of evidence against Family First Life and their parent company Integrity Marketing Group. Video Title: How Family First Life Violates "Do Not Call" Laws to Generate Leads My most explosive interview so far. 51 minutes of revelations. Undoubtedly, Mr. Newman of Cook County, Illinois will shake up the insurance industry. Integrity Marketing Group and its Family First Life subsidiary are systemically harassing Americans via offshore call centers that do not obey the rules. The Do Not Call List, The Telephone Consumer Protection Act – Regulations of Medicare selling that prohibit cold calling. Family First Life and Integrity don’t play by the rules. Integrity Marketing is a consortium of insurance marketers. 500,000 agents, 6,000 employees and 20 Billion in yearly premium. It is apparent that this Giant of the insurance industry feels that they are too big to get punished. Mr. Newman, a 34-year-old married man, has received 90 spam calls in one day while averaging 25 calls daily. Mr. Newman is pleading with Integrity executives and lawyers to stop this harassment. The implications of Mr. Newman’s suffering, clear description of the crimes against him and his legal methods will be far-reaching. The lead fraud that new insurance agents are suffering is directly related to the reckless disregard of the laws that govern telemarketing. The most incredulous moment of the interview is that Integrity/ Family First Life Attorney tells Mr. Williams "because you agreed to have the call transferred then FFL is not responsible." I have to believe that the American lead sellers really have no control over the overseas telemarketers, but are still paying them handsomely. Companies mentioned during the interview: Integrity Marketing Group - parent company - to email anyone in legal department. first name (then a dot) last name @integritymarketing.com - if you need contact phone number email david (@) naaip.org - As well, I can give you the email of in-house legal at Integrity. Family First Life - Integrity Marketing Group affiliate Your Insurance Group - Integrity Marketing Group affiliate Berwick Agency - Integrity Marketing Group affiliate Connexion Point - Integrity acquires Connexion Point in January 2021, one of the nation's largest senior health insurance call centers focused on serving the medicare market. Based in Sandy, Utah. Agency Incline - Insurance leads for Health, Auto, Final Expense, and Medicare Supplement. Industry-leading platform & lead quality service. Based in Fort Lauderdale, FL. LeadEngin - The intermediary Family First Life/ Integrity uses to pay offshore telemarketers. Based in Vancouver, BC. Canada AllStar BPO - Call center in Rawalpindi, Pakistan In your complaints to the government, I suggest that you include a link to my playlist of interviews of victims and whistle-blowers https://www.youtube.com/playlist?list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX A link to FFL's FTC cease and desist on recruiting fraud. A link to the class action lawsuit against FFL claiming lead and release fraud. You should have a thorough understanding of your case. A good link which shows my previous newsletters on this matter. If you have been a victim of Family First Life, please call me to arrange an interview. Even make a video of your experience and email it to me. Your site should be on a domain name that you own! - If you don't feel like doing the step one and two yourself. 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.
  21.  

    What to do when QuickBooks Won't Open?

     

    These are the typical reasons why QuickBooks Won't Open. A frozen QB screen could occur if the firm name is longer than permitted. Alternatively, a faulty PC hard drive could render QuickBooks Desktop unusable. Instead, a damaged QB software installation or the file may have an effect on the application's overall performance. 

    You might be running a corrupted or out-of-date version of Windows, for example. The problem could be also caused by a broken QBWUSER.INI file. In the same way, if it's not on the gadget.

  22. Subject Line: I got it entirely wrong. Free attorneys available for victims of Family First Life For months, I have been telling victims of Family First Life to file a complaint with the department of insurance and sue FFL at the local court, even suing “Pro se” which is Latin for “in one's own behalf." A California insurance agent, who was defrauded by FFL, contacted me and explained in detail exactly what one should do. The insurance industry is a state regulated industry, and you had a certain level of trust in believing that a major entity would not "pick your pocket." When the regulators and legislators hear your story, the natural inclination is that those entities will "feel bad" and use their power to "right a wrong." Generally, any "unethical business practice" is, in fact, illegal and your State Government has harsh penalties for lawbreakers. Complaints should be made to the 1. Department of Insurance 2. Department of Labor 3. The Attorney General's Office 4. The FTC (Federal Trade Commission) Fraud Hotline - https://reportfraud.ftc.gov/ And the Equal Employment Opportunity Commission (if you feel that the unethical behavior involves discrimination) Contact your 5. State Representative and 6. State Senator. The California agent did the above steps, and the California Attorney General's lawyers responded back in 14 days with a list of attorneys that would represent him in a lawsuit against Family First Life. If the Attorney General is recommending that you sue, your chance of success is close to 100% and any attorney will represent you on a contingency basis. It should be noted that governmental investigations are painstakingly slow and thorough and often times will cause the guilty party to "shut down." You should have a complete understanding of how you and the public were defrauded. A big issue is that churning and "elder abuse" probably occurred in your book of business if you sold multiple FFL policies that cancelled. You should contact all of your clients who cancelled and find out if they bought another policy to replace what you sold them. If that "new and better" policy was sold by an FFL or affiliated agent, then this information should be included in your complaint to the five above named offices. Per my YouTube interviews, there is a "special relationship" between Americo and FFL. The whole dynamic of new agents being told that Americo is best (which is not true for 97% of prospects according to Michael Schlesser), being told that they are buying exclusive leads, and that lead being disbursed to dozens of others while Americo has a high replacement/cancelation rate because of their high rates (for 97%) and high built-in commission. This pushing of Americo to new agents smacks of "unethical business practice." Family First Life is a subsidiary of Integrity Marketing Group (IMG) which owns NAA, Equis and dozens of others IMOs. Greg Birch, former FFL Senior VP, tells us that the leads that you were sold were shared with other IMG subsidiaries. Greg names Equis. Others have told me NAA. While Wes Newman of Illinois tells us how Family First Life uses offshore telemarketers to harass Americans. Wes got bombarded with 90 calls in one day despite telling FFL and their co-conspirators to stop. An interesting issue that I learned recently is how Family First Life's systemic lawsuit threats and fake posting have kept social media FFL positive over the years. You see that evidence in my newsletters. In your complaints to the government, I suggest that you include a link to my playlist of interviews of victims and whistle-blowers https://www.youtube.com/playlist?list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX A link to FFL's FTC cease and desist on recruiting fraud. A link to the class action lawsuit against FFL claiming lead and release fraud. You must have a complete understanding of your case to get a referral to sue from your Attorney General. A good link which shows my previous newsletters on this matter. I suppose that Family First Life will admit to many of the frauds that you are accusing them of, since there is extensive video evidence. As well, I can be helpful in locating witnesses for any eventual trial. I will include the links for the 3 big states of TX, CA and FL. Google has the answers for links to your state agencies that are there to protect the public. TX dept of insurance https://www.tdi.texas.gov/consumer/other-insurance-complaint.html then create an account here TX dept of labor https://www.twc.texas.gov/jobseekers/how-submit-wage-claim-under-texas-payday-law TX Attorney General https://www.texasattorneygeneral.gov/consumer-protection/file-consumer-complaint FL dept of insurance https://apps.fldfs.com/eService/Default.aspx FL dept of labor, FL relies on Federal enforcement - https://www.dol.gov/agencies/whd/contact/complaints and here https://www.dol.gov/agencies/whd/contact/local-offices#fl FL Attorney General http://myfloridalegal.com/contact.nsf/contact?Open&Section=Citizen_Services CA dept of insurance http://www.insurance.ca.gov/01-consumers/101-help/ investigations@insurance.ca.gov CA dept of labor https://www.dir.ca.gov/dlse/howtoreportviolationtobofe.htm CA Attorney General https://oag.ca.gov/contact/general-comment-question-or-complaint-form You have an ethical duty to warn others of an impending disaster, and it is highly recommended that you publicize your experience to help others. If you have been a victim of Family First Life, please call me to arrange an interview. Even make a video of your experience and email it to me.
  23. Initial Post that Got NAAIP Involved. Hello, It should be noted the NAAIP is being sued in West Palm Beach Federal Court for defamation by FFL, Family First Life. The following email is the major reason we are being sued. The email is from Jan, 2022 Case No. 9:22-cv-80243-AMC. We are at the beginning stages of the court proceedings. Trial date is expected to be in June 2023. The initial email actually mentioned FFL instead of Lead selling IMO. It should be noted that this post has 83 hits so far on 6-4-22, when this post was unhidden. "There is nothing new under the sun" as stated in The Book of Ecclesiastes. New insurance agents come into this business excited about leaving the world of hard labor and small pay. These new agent bank accounts are prime target for being emptied by sophisticated fraudsters. The newest and maybe greatest incarnation of a white-collar con job is what Lead Selling IMO is doing to tens of thousands of agents. It is a high-tech campaign that is successful in its mission and causes individual agents to spend thousands of dollars on bogus leads. The Federal Trade Commission (FTC) has stepped in to protect gullible insurance agents with a cease and desist order - read here. A big high five to Mindy Rutstein who has been posting on Facebook and LinkedIn, on this subject starting three weeks ago. Even before the FTC cease and desist or was publicly known. Below are Mindy's posts over the last three weeks. (First post - three weeks ago) Lead Selling IMO Recruiters Lie and Lie and Lie. It is getting ridiculous. I hop on Facebook and LinkedIn and I see Lead Selling IMO recruiters doing their darnedest to deceive and lie. The latest incarnation is Todd Hausberger's post: "According to Indeed.com in 2021, the average life insurance agent makes $111,829 @ FFL vs less than half at State Farm and other places." This average salary claim has no basis in reality. Multitudes of Lead Selling IMO agents use https://www.naaip.org free-forever insurance agent website builder. We speak to Lead Selling IMO agents and almost all are broke and coming in and then out of this business. This seemingly factual statement from indeed.com is so convincing that I have seen other Lead Selling IMO recruiters using 111K/per year salary line. It is total fraud. Designed to deceive. Lead Selling IMO is a lead seller. Lead sellers lie frequently. I have to believe that Lead Selling IMO management is endorsing this fraud because so many Lead Selling IMO are lying regularly. I continue with Mr. Hausberger Fraud Post. "Because they have the highest paying commission in the industry." "76% above the national average!!!" Made up numbers and facts. Designed to deceive and defraud. To cause gullible agents to buy leads from Lead Selling IMO. Obviously, in any system that you are a downline of a downline, etc., etc. will not have high compensation. New agents may not know this. I do know that Lead Selling IMO encourages agents to sell Americo. Most Lead Selling IMO agent start at 100% while the upline is at 185% for this severely overpriced and easy to replace product line. A completely bad deal for consumers and agents alike. Lead Selling IMO. I implore you to stop these fraudulent and deceptive posts which enrich your home office. (Second post, two weeks ago) Lead Selling IMO, lying is endemic to their business model. Lead Selling IMO lies are not victimless. My phone is ringing off the hook. I have internal documents that were sent to me from recruiters at level 145. I am not sure what will happen first. A class action lawsuits against Lead Selling IMO or state attorney generals filing lawsuits. Lead Selling IMO's business model involves lying and deception. This causes thousands of agents to empty out their bank accounts to buy their leads and go broke. The issue of "highest commissions" is a lie. I know of places that new agents can start at Lead Selling IMO's level 135 or level 145 on Day 1. On a training level, it is a joke. Lead Selling IMO model is to have gullible agents buy leads from day one. Which is terrible advice. But great for a lead seller. (Third post, last week) Let's call a spade a spade. Lead Selling IMO, are fraudsters. The federal government, the FTC, is now involved and awarded FFL a "Cease and Desist" to stop their fraudulent claims. The Federal Trade Commission "has determined that Lead Selling IMO is unlawfully misrepresenting that consumers who become Lead Selling IMO business opportunity participants are likely to earn substantial income." "Your business opportunity participants and representatives must immediately cease making all express and implied earnings claims that would be false or misleading to current or prospective participants." "Receipt of these notices of penalty offenses puts your company on notice that engaging in the conduct described therein could subject you to civil penalties of up to $43,792 per violation." The FTC wants "Lead Selling IMO to certify that Lead Selling IMO and its participants and representatives have ceased making express and implied earnings claims that would be false or misleading to current or prospective participants." Legal Overview: In determining whether an earnings representation is likely to mislead consumers, courts consider the overall “net impression” it creates. Claims of “potential” earnings imply that such earnings are representative of what the typical participant achieves. For the full FTC letter to Lead Selling IMO - click here https://www.ftc.gov/system/files/warning-letters/cease_and_desist_letter_to_family_first_life_llc-_12.27.2021.pdf - to see the original letter Unfortunately, the FTC will not reimburse victims of Lead Selling IMO's fraudulent actions. NAAIP, www.naaip.org, will be spearheading a class-action lawsuit against Lead Selling IMO. Stay tuned. Lead Selling IMO fraudulent claims were designed to sell gullible agents their recycled-overpriced leads. Numerous victims suffered financially. To ensure that you are in the loop regarding joining the class-action lawsuit against Lead Selling IMO, please create the free-forever website builder designed for insurance agents at www.naaip.org. (Fourth post, this week) Why Do I Care to Expose Lead Selling IMO as Fraudsters? The answer: Lead Selling IMO are Fraudsters. That is a fact. New agents are being wiped out financially by Lead Selling IMO's lies. After speaking and corresponding with hundreds of Lead Selling IMO agents, my estimation is that the new agent is, on average, buying two thousand dollars in leads. I am assuming that Lead Selling IMO leads are being sold to an average of 7 agents. One agent tells me, based on his insider knowledge, that each lead is sold to 7 different agents. I believe him. One agent tells me that he bought a $500 batch of leads, and a girl in his office had the same names on her $500 batch of leads. It is completely understandable how the Lead Selling IMO fraud works. * Make new, gullible agents believe that they have a real possibility to be earning $250,000 annual salary in twelve months. * These new agents know nothing. And all the new agent has to do is spend $750 a week on leads to be able to earn $250,000. Three weeks pass by and Lead Selling IMO has earned $2,250 selling garbage data. * Rinse and repeat. New agents come in to buy more leads based on the incredibly persuasive and false social media posts that have been given a Cease and Desist by the FTC. Click here - https://lnkd.in/d7DkUKXs to see the Federal Trade Commission (FTC) order. Please join https://www.naaip.org which provides free-forever website builder with quote engines for insurance agents. NAAIP will be spearheading a class-actions lawsuit against the fraudsters at Lead Selling IMO.
  24. Again, register at www.naaip.org to get on our email list and call my office. 561 440 9245
  25. Hi there, we spent approximate $40K in leads 2021 and we barely broke even. We purchased "exclusive FEX mailers", among the "cherry pick leads" too. I had client who was contacted by another FLL and was trying to bump up the policy I sold. I still have the text I sent to my up-line notifying them of the issue.
  26. Hello Agent , Latest Developments in Family First Life's Class Action Lawsuit and legal battles. Last week's newsletter made a link to Final Expense agent recruiter and Video Maker extraordinaire Douglas Massi's, of Vero Beach, Florida, beautifully produced explanation of the class action lawsuit against Family First Life. I phone called Mr. Massi shortly after his upload and told him that he will be lawsuit threatened by FFL attorneys. There was no doubt in my mind as to what will happen. I was kind enough to tell Mr. Massi that defamation law was based on New York Times Co. v. Sullivan in 1964 Supreme Court precedent. The plaintiff must prove that you are malicious, lying and know that you are lying. Mr. Massi tells me on the initial phone call that his video was him reading the words of the class action lawsuit. Obviously, not lying. Mr. Massi tells me that "no way he will delete the video." Fast-forward a few days, Mr. Massi's video quickly amassed over 1,000 hits, and then disappears on YouTube. I call Mr. Massi, and he informs me that he was threatened with lawsuit by Family First Life and after consulting his attorney he decided that he has no desire to have a legal battle. Mr. Massi and I have similar knowledge of the calamities that are occurring to thousands of new insurance agents buying supposedly exclusive leads while, in fact, buying recycled old data. Mr. Massi confides in me that he knows that First Life's lies have caused countless instances of poverty among those that entered their system. Now, some good news: I chatted with a beautiful person, an attorney, who recently married a victim of Family First Life's lead selling. The defrauded FFL agent will be filing a personal lawsuit in his home city claiming lead fraud, lies on training, emotional damages, release fraud, lost time & wages and triple damages. Imagine being told it is an exclusive lead, calling, they don't pick up, so you drive 60 miles to knock on the door. You would only drive that distance if you believed it was an exclusive lead. Day after day, month after month. That lie is a big tort. More importantly, the beautiful new wife will be creating a template and a consulting service to help other agents file lawsuits in their own home cities. Stay tuned. Another huge lawsuit is coming. A California agent tells me that he has filed complaints with four relevant state agencies. Based on the Golden State's new law that protects independent contractors from "wage theft." https://www.laboremploymentlawblog.com/2021/10/articles/california-employment-legislation/new-california-law-imposes-penalties-intentional-wage-theft/ Wage theft is a felony (imprisonment in county jail for 16 months or 2 or 3 years), by a specified fine, or by a fine and imprisonment. Mr K has already met and filed with California Department of Justice - Office of the Attorney General, which also referred him to an attorney. (Mr K. informs me that since he was referred to sue by the Office of Attorney General that FFL is not allowed to counter sue - sounds strange, but I will be interviewing Mr. K. after his personal lawsuit is filed) Filed complaint with CA Department of Insurance - Investigator Division Filed complaint with CA Fair Employment Act Filed complaint with CA Equal Employment Opportunity Commission (only if you feel it is a discrimination issue) Mr. K.'s case involves FFL stealing his downline hierarchy as a retaliatory measure for complaining about a racially insensitive act by FFL management. Mr. K had 5-figure monthly income from his downline will be asking FFL for $800,000. If you have been a victim of Family First Life, please call me to arrange an interview. Even make a video of your experience and email it to me. Your site should be on a domain name that you own! - If you don't feel like doing the step one and two yourself. 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. Sincerely, David Gordon direct & sms: (561)440-9245 (I love to receive text messages) www.naaip.org NAAIP's YouTube Channel - please subscribe NAAIP agents nationwide: 15,471
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