Complaint Review: Dan Le & Han Lam at World Financial Group & Transamerica

Joel, about your preachy post on the WFG “opportunity.”

Gag me with a vastly overpriced low-guarantee IUL!!

You say “...where you build your business…” Really Joel? Do you own your book of business? Can you take that with you if you leave WFG? Can you advance up the pyramid without your uplines' approval? Are you sure you aren't actually a contractor who pays for everything that is usually paid for by traditional companies (training, books, travel etc) while being restricted in your ability to perform independently?” If you look in WFG’s own compensation manual, “contractors” are exactly what its called its Associates and Directors.

Joel, about what you say here “Sorry you scammed yourself by not listening to the one guy who possibly could have ended your "journey of the broke " (job) life.” Yeah, he “scammed” himself all right. He lost out on the “opportunity” to sell his soul learning how to deceptively sell bloated fee-laden policies that may be dangerously lacking in guarantees to low-info people--including people who may trust him and even love him like his friends and family--many of whom can least afford these financial travesties and have to drop them them sooner than later and lose what they put in. Joel, WFG doesn’t want you or your prospects to learn *too* much about their Universal Life policies. Just in case you might start feeling guilty for flogging these Trojan pigs to poor innocents. Oh Joel and of course WFG’ll turn a blind eye to massive recruiting efforts. As my recruiter wrote to me “You have to see yourself as a “builder” [i.e. recruiter] rather than a seller. How much can you sell?!” This is life insurance and annuities, not repeat sells like skin moisturizers and soaps. You HAVE to heavily recruit to keep the cash flow propped up. So to make any $$$ at this, you have to recruit enough that you will almost certainly violate pyramid scheme laws. Joel, my ardent hope for you: you’ll wake up and stop bullsh*tting yourself and your fellow human beings. We need to give a wide berth to this costly, demeaning, harmful venture. 

Joel, about your pompous high-minded-sounding post on the WFG “opportunity.”

Gag me with a vastly overpriced low-guarantee IUL!!

You say “...where you build your business…” Really Joel? Do you own your book of business? Can you take that with you if you leave WFG? Are you sure you aren't actually a contractor who pays for everything that is usually paid for by traditional companies (training, books, travel etc) while being restricted in your ability to perform independently?” If you look in WFG’s own compensation manual, “contractors” are exactly what its called its Associates and Directors.

Joel, about what you say here “Sorry you scammed yourself by not listening to the one guy who possibly could have ended your "journey of the broke " (job) life.” Yeah, he “scammed” himself all right. He lost out on the “opportunity” to sell his soul learning how to deceptively sell bloated fee-laden policies that may be dangerous lacking in guarantees to low-info people--including people who may trust him and even love him like his friends and family--many of whom can least afford these financial travesties and have to drop them them sooner than later and lose what they put in. Joel, WFG doesn’t want to learn *too* much about their Universal Life policies. Just in case you might start feeling guilty for flogging these Trojan pigs to the poor innocents. Oh Joel and of course WFG’ll turn a blind eye to massive recruiting efforts because, as my recruiter wrote to me “You have to see yourself as a “builder” [i.e. recruiter] rather than a seller. How much can you sell?!” This is life insurance and annuities, not repeat sells like skin moisturizers and soaps. You HAVE to heavily recruit to keep the cash flow propped up. So to make any $$$ at this, you have to recruit enough that you will almost certainly violate pyramid scheme laws. Joel, my ardent hope for you: you’ll wake up and stop bullsh*tting yourself and others.

Hello 

Considering that you are a college student looking for a job, I am going to write this report with hopes that you learn from what I am about to say.

Dan Le and Han Lam are highly successful in their field and have the credentials to back it up. Considering you are looking for a job ,you may have mistaken the opportunity that they offered to you as another dead end job where you have to pay 100 dollars to give them clientele. WRONG- 

1. It is an entrepreneurial opprtunity where you build your business and your clientele and you build.your business up for yourself. (as would be a broker/agent model) 

2. Dan le and Han Lam "work at a nail salon"... THis personally made me LAUGH OUT LOUD. Your research on google may have been good enough to get you through Art class theory 101, but when it comes to real people and real businesses , Have the class to find out yourself or ask them personally, or better yet Ask for a tax return... before you find yourself a laptop and post innacurate information.

Dan has a degree in engineering and Han got a degree in finance. If they werent doing this business , the last thing they would do is your nails. 

Please get enlightened on how the world works before your skeptical mind decides that everyone in the world is out for your 100 dollars. Sorry you scammed yourself by not listening to the one guy who possibly could have ended your "journey of the broke " (job) life. 

Sincerely

Joel