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  1. 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.
  2. Again, register at www.naaip.org to get on our email list and call my office. 561 440 9245
  3. 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
  4. Please call my office. I would like to interview you. As well, register at www.naaip.org so get email updates.
  5. I am sure they will give you your money back. Your real damages was your time and effort calling replicated data. Once they give the lead money back ask for compensation for your time. Plus triple damages for lying.
  6. from two weeks ago. Hello , For the longest time, I have realized that video marketing is so important in today's sales world. All the while, wondering why my videos did not look so good. Here are the steps that I took. I bought a Canon camera and a good web camera. I bought a professional microphone. I learned how to edit using YouTube tools. I experimented with livestream. I subscribed to a transcription service to make the description more interesting. I subscribed to a program to edit videos, including inserting music. I started wearing a sport jacket while interviewing people. I subscribed to streamyard.com to do online interviews. The last interviewee, Ron Le Vine of Florida, tells me that he was using a simple web camera, and I noticed that his video quality was superb compared to mine. And I was using an expensive Canon camera. I realized that it was my PC that was not up to snuff. It was the old pc the entire time that affected the video quality. OOOOPs. The new PC will be set up by Sunday, and I am looking forward to producing high-quality videos for my YouTube channel. Thankfully, the subject of the videos that I have made recently was on target. Interesting content that affects the lives of hundreds of thousands of insurance agents. This whole episode of me attempting to be a YouTube star teaches us that that one must do everything well to have a chance to succeed. If you are missing one piece of the puzzle, it is not good. Insurance agents must realize that they should be expert on: The product line Closing deals Generating leads Telephonic and face-to-face communication. If you are ignoring or not skilled at one of the skill sets listed above, things probably won't work out. I am looking forward to a bright future of producing high-quality videos that are relevant to insurance agents and financial advisors. Please view my Family First Life Class Action Lawsuit Witness PlayList Like, Comment, Share and Subscribe. If you have been a victim of Family First Life, please call me to arrange an interview.
  7. Hello , Every generation has a skill-set that is mastered by the richest man/woman in the city. For marketers and salespeople, the skill that is today's King is video creation. And has never been easier to become a pro. I have been working and learning to master video. Doing this out of sense of duty to protect insurance agents from becoming the next victim of Family First Life. Please like, comment, share and subscribe to encourage me in my journey. Latest videos. "Family First Life Targets Minorities Into a Bogus System" Young & Latino at Family First Life. The First 30 Days Selling Life Insurance. First Day Calling Family First Life Leads. A teleselling trainer offers spot-on advice Leaving Family First Life Insurance, Process of Getting a "Release" Family First Life Overview: "This Borders On Shaking Down Elderly People" A big thumbs up to Douglas Massi, who makes professional quality videos for years in his Final Expense recruiting efforts. Click below for Douglas's latest creation. Family First Life Class Action Lawsuit For the longest time, I was wondering how Family First Life convinced thousands to buy their replicated old data while telling the agent that it is a "fresh and exclusive" lead. My videos give that answer. As well, I discovered that over 30 fake YouTube accounts were created to specifically make negative comments on my videos. Great technique until you get caught. I am curious who this person works for. Amanda Ames Joined YouTube Jul 30, 2022 Claudia Barillas Joined Jul 30, 2022 Lisa Wilson Joined Jul 30, 2022 Nicole Overholt Joined Jul 30, 2022 Jeanette Parker Joined Jul 30, 2022 Anel Sanchez Joined Jul 30, 2022 Casey Ferris Joined Jul 30, 2022 Christina Bilske Joined Jul 30, 2022 Derick Klingbiel Joined Jul 30, 2022 Bethany Georgas Joined Jul 30, 2022 Brian Matthew Joined Jul 30, 2022 Ashley Miller Joined Jul 30, 2022 Kathryn A Gilbert Joined Jul 30, 2022 Faith Nocera Joined Jul 30, 2022 Danae R Farias Joined Jul 30, 2022 Mary Thompson Joined Jul 30, 2022 Ruth Munson Joined Jul 30, 2022 Carrie R Stephenson Joined Jul 30, 2022 Beck F Joined Jul 29, 2022 Christine Mayea Joined Jul 30, 2022 Reuben Ralphs Joined Jul 30, 2022 Jo E Herrmann Joined Aug 1, 2022 Yasin Ertür Joined May 13, 2021 Bryant Heriberto Joined May 13, 2021 Ignacio Brody Joined May 13, 2021 Bradley Sabastian Joined May 13, 2021 Yasin Peker Joined May 13, 2021 Noah Lee Joined Aug 1, 2022 Christina Drossos Joined Aug 1, 2022 Jenna Lane Joined Aug 1, 2022 Judith Kinsey b Joined Aug 3, 2022 Jessica Kimberly Joined Aug 3, 2022. If you have been a victim of Family First Life, please call me to arrange an interview. Thank you for giving me the opportunity to help you earn more money.
  8. I am not surprised. All the agents have the same story. Please call my office 561 440 9245.
  9. call www.naaip.org - best to register so you will be on our email list.
  10. Hello Agent, sent on July 11 , Family First Life Agent: "They Lied To Me Three Times" Ron Le Vine of Florida was a new insurance agent and was persuaded with grand promises by a Family First Life recruiter. Ron tells us that Family First Life had no training. The training was "go make phone calls." Ron was recommended to buy from $750 to $1,500 in FFL leads per week. View video on YouTube - click here I upped my movie making skills. Added music, etc. Encourage me by like, comment, share and subscribe. Here are the three lies. "They said that they would give me training, that was a lie." "They told me that they would give me leads to help me get started, that was a lie." "They told me that I would have access to all the companies, that was a lie." Ron informs us that the FFL "A" leads that are sold for up to $75 dollars are being resold over and over, which ruins the chance for the agent to succeed. Ron states that FFL is acting in an unethical manner and is certain that FFL and similar IMOs are just "churn and burn." "Every person that I spoke to that came into Family First Life, everyone's story was the same. We were just flat out lied to. It's just not right." Ron worked at Family First Life for weeks and bought between $2,500 and $3,000 and made one $350 sale that cancelled after a few weeks. Ron consulted his upline and FFL management as to why he was not succeeding. Management was unable to answer him. Ron tells us that "he does not want anyone to go through what he went through." Subscribe to my YouTube channel. Make comments, life and share. Family First Life is being sued in a class-action lawsuit for lead fraud here: https://www.naaip.org/first-family-life-class-action-lawsuit-ffl.pdf NAAIP's forum post that has the latest developments in the FFL's legal battles https://www.naaip.org/community/topic/481-ffl-family-first-life-class-action-lawsuit/ View the playlist of FFL class action lawsuit witnesses. https://www.youtube.com/playlist?list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX
  11. Hello Agent - Sent on July 5th - Subject Line: Family First Life Agents Learns How to Create Leads. Gets Terminated & Lawsuit Threatened I am doing interview after interview of Family First Life agents. The latest interview with insurance agent Mark Sias of Florida is both heart-wrenching and educational. Click here to view on YouTube Mark tells us that he joined FFL three years and was told by FFL that the proper way to earn money as an agent is to buy leads from FFL's CRM. Mark bought two batches of leads, totaling $1,000. Mark is an intelligent man who is suitable for the job of selling financial products, and he realized that he should be "branding" himself and learn how to generate leads. Being a confident and good person, Mark proceeded to spread the word on FFL's WhatsApp group chat, FFL's Facebook groups and his personal Facebook page that "it is easy to set up a Facebook ad campaign" and his results were far superior to buying FFL's CRM leads. Mark was blocked from FFL's groups, lawsuit threatened on a voice mail by Mike Killimett - Managing Partner at Integrity Marketing Group, which is the parent company of Family First Life. Mark had his appointments terminated by the carriers that Family First Life set him up with. The termination was particularly harmful, in that he could not recontract for six months from the last sale or initial contract with a main carrier. Mark tells me that he will be filing an individual lawsuit against Shawn Meaike and Family First Life. The statute of limitations in Florida is four year. Different states have varying limits. Some states are two or three years. Under Florida law, a legal or equitable action founded on fraud must be commenced within four years. See Florida Statutes Section 95.11(3)(j). The four-year statute of limitations for fraud begins to run from the time the facts giving rise to the cause of action were discovered or should have been discovered with the exercise of due diligence. I need you to like, comment, share and subscribe to videos on my YouTube channel. Particularly, the videos on the Family First Life Class Action Lawsuit Witness PlayList.
  12. 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. Firstly, file complaints with your Attorney General, Dept Insurance, Dept Labor, your state representative and state senator. Your state Attorney General can refer you to sue. If that happens, you hit the home run. As well, copy and paste that complaint to the FTC fraud hotline 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 damages of false claims of offering excellent training, mentorship. You can claim emotional damages. You can claim legal fees You can claim additional damages. Most states grant treble (triple) for this type of tort. If the Attorney General does not refer you to sue, 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 government agencies and 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.
  13. Call NAAIP office any time at 561.440.9245 - To get started.
  14. I would like you to interview you to our YouTube Channel dedicated to this matter. Click here for the current interviews - https://www.youtube.com/playlist?list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX 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 by filing a complaint with their State Attorney General, Department of Labor and the FTC. Your Attorney General can refer you to sue Family First Life. If that occurs, your case will be strengthened. Lost wages, emotional damages, 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." Family First Life and 9 insurance agents are being sued in Federal Court for $552,250 based on 45 illegal phone calls. In 2021 alone, American consumers were bombarded with 50.5 billion robocalls, an average of over 150 robocalls to each man, woman and child. These calls are especially targeting those aged 60 to 70 years old. I have to believe that Family First Life and its Integrity Marketing Group partners are responsible for a decent amount of these 50 billion plus phone calls. Link to lawsuit: https://www.naaip.org/family-first-life-do-not-call-michigan-federal-court-1.pdf
  15. 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.
  16. On Fri, May 27, 2022 at 2:44 PM Guido-Hernandez, Maria <Maria.Guido-Hernandez@myfloridacfo.com> wrote:
  17. 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
  18. 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
  19. 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,
  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. 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.
  23. Hello Agent, Confessing or "getting it off one's chest" has great importance in the world's great religions as well as in psychoanalysis. I Love Numbered Bullet Points - Here it goes. 1. I love text messaging (also known as sms) from 561-440-9245. During working hours I am texting from my desktop screen and off-hours I am addicted to my smartphone. I use www.dialpad.com phone, which rings to my cell when I don't pick up at my computer. Dialpad is a great business phone for $15 per month. 2. NAAIP websites were lousy when we started was the real reason why we never contacted agents so much. If NAAIP contacted the agent, there would be a likelihood that the agent would "unsubscribe" from us and the agent would never know when our technology became good. 3. NAAIP wants every agent in America to use our technology. Now that our technology is "superb", NAAIP can make demands but still must be a "great deal" for us to achieve our goal. 4. Modest demands and contacts is the modus operandi. NAAIP websites will always free-forever. Yet, for sites over 5 hits who do not refer their IMO/FMO/Upline to us or refer agents to us. There is a minimal charge to hide ads will appear on the site. I appreciate those agents that are helping us pay our bills. 5. There are 14,941 Registered NAAIP users already, and I would like that number to double in the next two years. Obviously, NAAIP has to be an incredibly "good deal" for the agent. 6. YouTube is the next frontier. I will be concentrating on putting interesting videos online. I beg and plead that you subscribe to NAAIP's YouTube channel. https://www.youtube.com/c/naaiporg 7. 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 and sell this product line.
  24. Hello Agent, Lots of positive feedback from my previous email blast that went out to 14,751 agents. Uplines, IMOs and carriers have known about the NAAIP project for years and were somewhat awed by the number of agents who use our technology. NAAIP is a recruiting juggernaut. We tried unsuccessfully to parley websites into being an upline ourselves. To say it bluntly, "it did not work." There is a "Plan B" and I need your involvement. Speak to your IMO, FMO, team leader, upline or insurance company marketing department today. Tell them that NAAIP is the perfect tool to: Make the agent be impressive Keep recruited agents loyal to the carrier, upline, IMO, etc. Generate leads. Whether as a landing page/funnel when a prospect visits your site, or as an incentive-based tool to offer gifts to business owners. NAAIP has the skill set to train/explain to agents on a multitude of insurance products/concepts during our 6-day per week video conference calls. NAAIP has the ability to reciprocate and refer agents to uplines or insurers as a "thank you" for helping us become the industry default website builder. Currently, we are not referring agents anywhere. I am hoping that this will change. If you make the introduction to a decent-sized upline or insurer which refers agents to us, your NAAIP website will be advertisement free-forever for free. The $12/month to keep your site advertisement free should be paid by your upline or IMO. But you have to make the request. Thank you for giving me the opportunity to help you earn more money.
  25. Hello {$name}, NAAIP is now laser focused on providing website building technology for all insurance agents and financial advisors. Many of you have witnessed NAAIP's transformation into an industry-leading platform and moving forward I want IMOs, FMOs, team leaders and uplines referring agents to us. Here is the plan. Your website is still free and always will be. Advertisements appear after 10 hits. To hide those advertisements, a payment/loan of as little of $12/monthly is sufficient if paid 24 months in advance. $15/monthly - 12 months in advance. $18 - 3 months in advance and $21 - monthly. Alternatively, in your NAAIP payment page, there is a box to input a sale in lieu of a payment. NAAIP wants to partner with various uplines to offer you an ad-free website for free. Encourage your IMO, FMO or upline to call my office, so we can offer our services to more agents. There are still places on NAAIP.org that gives the impression that we offer contracting services and are competing with IMOs. That content will be deleted/edited in the coming days. Regarding my previous weeks' newsletter regarding FFL, Family First Life. The posts of Mindy Rutstein are no longer live on LinkedIn or Facebook. Since the negativity on Mindy's post are no longer live, I assume that Mindy's allegations were not true. Going forward, I will be writing about things that I know about in my endeavor to help insurance agents and financial advisors. Lead systems: The greatest lead system is incentive-based marketing. Offer your business owner clients your expertise in building a website. Do it for them (especially building trade professionals) and see your business skyrocket. Thank you for giving me the opportunity to help you earn more money.
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