UGA, Mega Life And Health, AFS, AFS, HealthMarkets This "opportunity" is completely misrepresented - they "pay" you for working, send you a 1099, and then ask you to pay them back! Fort Worth Texas
The only advice that I have for anyone considering what they believe to be an "opportunity" with UGA, Mega Life and Health, AFS, HealthMarkets, etc. is to run the other way. It sounds like a decent, if not great, opportunity, but if something sounds too good to be true, it almost always is.
First, you end up dishing out hundreds if not thousands of your own dollars to get licensed and market yourself. Then, what money you do "earn", they will ask for back if and when (most people do) you leave. You won't get the notice right away, but wait about 8 months and it will come. Your field leader will tell you, as did mine, that you will not owe anything unless you go out and write a ton of bad business and then leave. I was honest and wrote legitimate business and still ended up in the hole. The key to not owing is keeping your business on the books for a long time, however when your clients start to find out how horrible these products actually are, you won't have much chance of that.
They will promise you great things, and if you're lucky, you might even get to go to "reunion". Once a year, all of the "top" agents from around the country fly into Texas for a 3 day stint that must cost hundreds of thousands of dollars. Wth 5 course meals, private concerts by big name artists, laptop giveaways, etc., it's quite obvious as to where the insurance premiums are being spent. It's all smoke and mirrors and while the trip was fun, it wasn't worth the thousands of dollars spent to try to succeed with this company. I just ask that you do your due diligence before jumping at this "opportunity". I'm starting to think that any offer received online regarding ANYTHING (job opportunities, loans, modifications, etc.) is a complete scam.
Gone for Good
Clearwater, Florida
U.S.A.
2 Updates & Rebuttals
Angry
United States of AmericaNow What?
#3UPDATE EX-employee responds
Thu, November 12, 2009
OK, Gone for Good...
Now what?
I worked for HM after I got out of the military, wrote honest, legitimate business, left after 11 months, and I have a $14,000 bill. OH MY GOD.
How the hell do I fight this? I have student loans, a family, I rent a crappy little apartment, and lease my car. How am I ever going to be able to pay this? This can't be right! Nobody told me I would have to pay to work for them. It makes me sick to my stomach to think I was duped so bad. I'm an ex military cop, and thought I was a little more on top of things than to get involved with an organization that does this to good, honest people who just want to make a living for their family by working hard. My God, man, I have no idea what to do.
Do you know anybody who is fighting these people? Does anybody?
Please help.
Eddie
Dacula,Georgia,
U.S.A.
right on
#3UPDATE EX-employee responds
Sat, March 07, 2009
Stay away from any Insurance company that...
Hires un-licensed agents,
Charges YOU to work for THEM,
Pays less than 75% advance,
Charges interest on your advance,
And last but not least...Pays upon submittal of the application rather than approval of the application...this is where they get ya... if the app. is not approved, then you owe the advance you received (and probably have already spent).
However, not ALL offers online are scams...bvut MOST are.