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I am another victim of these guys because I just got my 215 Insurance License and I was gullible in believing the dream that I could work from home selling life insurance.
So instead of telling the same story that has already been posted on ripoffreport.com twice, I will provide the links with hopes that this connection will save more insurance agents from getting scammed. These guys run a very efficient cookie cutter scam that takes $550 from as many insurance agents as possible. They of course have a no refund policy like all scammers, but I'm challenging that with my credit card company.
http://www.ripoffreport.com/r/Specialized-Financial-Insurance/internet/Specialized-Financial-amp-Insurance-Mark-Davis-Mark-W-Davis-MDavisspecializedagent-1295406
http://www.ripoffreport.com/r/Best-Rate-Financial-and-Insurance-Services-SCAM/nationwide/Best-Rate-Financial-and-Insurance-Services-SCAM-Mark-Thompson-Robert-Abbott-Robert-1243667
There is also a complaint thread on insurance-forums.net
Please be smarter than I was and don't get caught buying this bogus home based life insurance sales opportunity!