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  1. 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 class action lawsuit pdf 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.
  2. from June 10th Tyra Hamilton Phone Call is Huge. Tyra Hamilton from Oregon, a level 125 commission agent at lead selling imo, calls our office and tells us inside-inside information that only the top-level executives at lead selling imo 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 lead selling imo sells to unsuspecting agents and her desire to leave lead selling imo. 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 lead selling imo 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 lead selling imo, a conglomerate 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.
  3. 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.
  4. Subject line: Overseas call centers that harass - A 34 years old gets 90 calls per day. Huge evidence in lead selling imo case. This YouTube interview is the most important piece of evidence against lead selling imo and their parent company. Video Title: How lead selling imo 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 lead selling imo 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. lead selling imo and Integrity don’t play by the rules. conglomerate 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/ lead selling imo Attorney tells Mr. Williams "because you agreed to have the call transferred then lead selling imo 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: conglomerate - parent company - to email anyone in legal department. first name (then a dot) last name @ conglomerate .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. lead selling imo - conglomerate affiliate Your Insurance Group - conglomerate affiliate Berwick Agency - conglomerate affiliate Connexion Point - conglomerate 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 conglomerate/ lead selling imo 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 lead selling imo's FTC cease and desist on recruiting fraud. A link to the class action lawsuit against lead selling imo 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 lead selling imo, 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.
  5. Subject Line: I got it entirely wrong. Free attorneys available for victims of lead selling imo For months, I have been telling victims of lead selling imo to file a complaint with the department of insurance and sue lead selling imo 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 lead selling imo, 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 lead selling imo. 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 lead selling imo 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 lead selling imo 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 lead selling imo. 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." lead selling imo is a subsidiary of conglomerate which owns dozens of others IMOs. Greg Birch, former lead selling imo 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 lead selling imo uses offshore telemarketers to harass Americans. Wes got bombarded with 90 calls in one day despite telling lead selling imo and their co-conspirators to stop. An interesting issue that I learned recently is how lead selling imo's systemic lawsuit threats and fake posting have kept social media lead selling imo 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 lead selling imo's FTC cease and desist on recruiting fraud. A link to the class action lawsuit against lead selling imo 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 lead selling imo 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 lead selling imo, please call me to arrange an interview. Even make a video of your experience and email it to me.
  6. Initial Post that Got NAAIP Involved. Hello, It should be noted the we are being sued in West Palm Beach Federal Court for defamation by lead selling imo. 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 lead selling imo 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 @ lead selling imo 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 lead selling imo 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 - 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.
  7. Again, register at www.naaip.org to get on our email list and call my office. 561 440 9245
  8. Hello Agent , Latest Developments in lead selling imo'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 lead selling imo. I phone called Mr. Massi shortly after his upload and told him that he will be lawsuit threatened by lead selling imo 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 lead selling imo 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 lead selling imo's lead selling. The defrauded lead selling imo 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 lead selling imo 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 lead selling imo stealing his downline hierarchy as a retaliatory measure for complaining about a racially insensitive act by lead selling imo management. Mr. K had 5-figure monthly income from his downline will be asking lead selling imo for $800,000. If you have been a victim of lead selling imo, 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.
  9. Please call my office. I would like to interview you. As well, register at www.naaip.org so get email updates.
  10. 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.
  11. 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 Lead Selling IMO Class Action Lawsuit Witness PlayList Like, Comment, Share and Subscribe. If you have been a victim of Lead Selling IMO, please call me to arrange an interview.
  12. 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 Lead Selling IMO. Please like, comment, share and subscribe to encourage me in my journey. Latest videos. "Lead Selling IMOTargets Minorities Into a Bogus System" Young & Latino at Lead Selling IMO. The First 30 Days Selling Life Insurance. First Day Calling Lead Selling IMO Leads. A teleselling trainer offers spot-on advice Leaving Lead Selling IMO Insurance, Process of Getting a "Release" Lead Selling IMO 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. Lead Selling IMO Class Action Lawsuit For the longest time, I was wondering how Lead Selling IMO 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 Lead Selling IMO, please call me to arrange an interview. Thank you for giving me the opportunity to help you earn more money.
  13. I am not surprised. All the agents have the same story. Please call my office 561 440 9245.
  14. call www.naaip.org - best to register so you will be on our email list.
  15. Hello Agent, sent on July 11 , Lead Selling IMO: "They Lied To Me Three Times" Ron Le Vine of Florida was a new insurance agent and was persuaded with grand promises by a Lead Selling IMO recruiter. Ron tells us that Lead Selling IMO had no training. The training was "go make phone calls." Ron was recommended to buy from $750 to $1,500 in Lead Selling IMO 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 Lead Selling IMO "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 Lead Selling IMO is acting in an unethical manner and is certain that Lead Selling IMO and similar IMOs are just "churn and burn." "Every person that I spoke to that came into Lead Selling IMO, everyone's story was the same. We were just flat out lied to. It's just not right." Ron worked at Lead Selling IMO 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 Lead Selling IMO 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. Lead Selling IMO is being sued in a class-action lawsuit for lead fraud here: NAAIP's forum post that has the latest developments in the Lead Selling IMO's legal battles View the playlist of Lead Selling IMO class action lawsuit witnesses. https://www.youtube.com/playlist?list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX
  16. Hello Agent - Sent on July 5th - Subject Line: Lead Selling IMO Agents Learns How to Create Leads. Gets Terminated & Lawsuit Threatened I am doing interview after interview of Lead Selling IMO 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 Lead Selling IMO three years and was told by Lead Selling IMO that the proper way to earn money as an agent is to buy leads from Lead Selling IMO'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 Lead Selling IMO's WhatsApp group chat, Lead Selling IMO'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 Lead Selling IMO's CRM leads. Mark was blocked from Lead Selling IMO's groups, a lawsuit threatened on a voice mail by Mike - Managing Partner at Conglomerate, which is the parent company of Lead Selling IMO. Mark had his appointments terminated by the carriers that Lead Selling IMO 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 CEO and Lead Selling IMO. The statute of limitations in Florida is four years. 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 Lead Selling IMO Action Lawsuit Witness PlayList.
  17. Hello , I created a page on NAAIP's community forum for the latest news Lead Selling IMO'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 Lead Selling IMO'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 lead selling imo. 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 Lead Selling IMO 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, 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 "Lead Selling IMO". the CEO is the principal 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 Lead Selling IMO's two main attorneys. Both bill at more than $1,199 per hour. The court proceeding would be in your local area since the CEO and Lead Selling IMO 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 Lead Selling IMO's introduction 5-minute YouTube video, in which they talk 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 lead selling imo 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 Lead Selling IMO. Tell me the approximate amount of your purchases.
  18. Call NAAIP office any time at 561.440.9245 - To get started.
  19. 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 Lead Selling IMO 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 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 Lead Selling IMO. The second issue is 2. Trouble getting released from carriers after wanting to leave Lead Selling IMO. Being involved in Lead Selling IMO leads is easy to prove or disprove, obviously. Trouble getting released is another story. Lead Selling IMO 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 Lead Selling IMO's signature to release. I suppose, once an Lead Selling IMO 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 Lead Selling IMO. 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 Lead Selling IMO recruiting promises. The Federal Trade Commission (FTC) served Lead Selling IMO a cease & desist on deceptive practices on December 27, 2021. "The FTC determined that Lead Selling IMO is unlawfully misrepresenting that consumers who become Lead Selling IMO business opportunity participants are likely to earn substantial income." Lead Selling IMO 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 Lead Selling IMO and its parent company partners are responsible for a decent amount of these 50 billion plus phone calls. Link to lawsuit: Do Not Call Lawsuit pdf lawsuit There is an ongoing criminal investigation into Lead Selling IMO as of 12/1/2022 - 6. Lieutenant Z of the Florida is gathering evidence on churning against Lead Selling IMO - in Florida's statute - a first degree misdemeanor: An administrative fine not greater than $75,000 for each willful violation and by a definite term of imprisonment not exceeding one year. 7. Lieutenant Z was kind enough to tell me about first degree felony that my description of Lead Selling IMO's actions were likely violating. The statute for Organized Scheme to Defraud [817.034 (1)(d)]and Aggravated White-Collar Crime [775.0844]. http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0800-0899/0817/Sections/0817.034.html and http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0775/Sections/0775.0844.html also known as the “White-Collar Crime Victim Protection Act” Lead Selling IMO CEO could be looking at up to 30 years in prison if convicted of White-Collar Crime Victim Protection Act. The following is written in the Florida lawbooks. (b)1. For a felony of the first degree, by a term of imprisonment not exceeding 30 years or, when specifically provided by statute, by imprisonment for a term of years not exceeding life imprisonment. Lieutenant Z tells me that has viewed many of my videos on my Lead Selling IMO Class Action Witness YouTube playlist, and I was kind enough to send the lieutenant a large list of Florida insurance agents that shared with me that state they were defrauded by Lead Selling IMO. Lieutenant Z emails me in back after our long conversation: I have reached out to our partner agency (Division of Agent and Agency Services, Bureau of Investigation) for assistance in obtaining some records that are accessible to them. As I stated yesterday and after consulting with 15th Judicial State Attorney’s Office, at this point I would be unable to obtain a blanket subpoena for any entities unless there was specific evidence that would corroborate the broad reach of a blanket subpoena (these are subpoenas issued to an entity where you ask for any and all documents pertaining to date ranges, counties, states, etc.) Please do not hesitate to contact me with further information, and I will continue to follow-up on my end. Regards, Lieutenant Z I believe that Lead Selling IMO has violated Florida's “White-Collar Crime Victim Protection Act” and should serve a long prison sentence. If you are a victim in the other 49 states, and you should inform the proper authorities while Floridians need to help Lieutenant Z in his investigation. The most efficient way to bring your story to the investigators, prosecutors and attorneys is to tell me your story. Please contact me to arrange an interview that I will upload to YouTube. A big thumbs up to Mark Sias of Florida whose YouTube interview now has 7,616 views.
  20. 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.
  21. On Fri, May 27, 2022 at 2:44 PM Guido-Hernandez, Maria <Maria.Guido-Hernandez@myfloridacfo.com> wrote:
  22. 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
  23. 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
  24. 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,
  25. 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.
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