primerica under investigation

Ill cover this later in my wrap-up section. For example, did you know theres a reliable cell phone service that charges just $15 per month for 4 GB of data? PRIMERICA, INC. AND SUBSIDIARIES While there are rumors that Primerica is running a scam,The company has an impressive A+ ratingbut only a rating of 3.37 with only 143 complaints in 3 years. Lets shift gears and discuss Primericas compensation plan and pay structure. And the last thing we want is to partake in that seemingly pestering approach and potentially ruin relationships. The company claims to be a leading financial services provider with over 2000 employees on its LinkedIn page. Primerica was named to the Bloomberg GEI in 2020, 2021, and 2022. Im a big advocate of selling insurance as an independent agent. I got paid up to $100 per article I wrote. No, Primerica is not a pyramid scheme. : No Quick Summary: Primerica is an insurance and financial company with a 40-year long history.You can join the company's MLM (multi-level-marketing) system to earn money from reselling their products. However, the law applicable to the state expressly provides that an insurance claim cannot be admitted in civil proceedings. This is a lawsuit filed by Mrs. Arellano against the popular life insurer Primerica. Its main product is indexed universal life insurance, a form of permanent coverage that provides a cash value in addition to life insurance. We help Main Street families get the protection they need at a price they can afford, invest for the future and get out of debt. The all time high for this statistic is 35. The best insurance sales opportunities are all 100% commission based. Most discussed Primerica complaints. SEC detected that these sales were not reflected on PFSI's books, neither did PFSI approve sales. In this matter, the only evidence the defendant provides is the insurance claim. Some Primerica policies only award policyholders a fixed amount of premium for a specified period of time. Before publishing "Rip-off Report Investigation: Primerica pledges to resolve complaints & address any . Is Primerica under investigation? Founded in 1977, Primerica Advisors is an independent financial services firm serving clients in America, Canada, Puerto Rico and Guam. Instead, Primerica is a straight commission sales opportunity. First, Primerica does NOT pay its insurance agents a salary. Bankers Life offers life insurance, long-term care, annuities, Medicare (Supplements, Advantage Plans, Part D prescription drug coverage), critical illness insurance, as well as vision and dental plans. 2. Power & Associates recently compared Primerica with many other major U.S. life insurance companies and ranked it closer to the bottom, where it was considered below average. I'm going to provide you with the step-by-step process to get started with this flexible side shake that really works. The 10 Best Companies. Because there is no admissible evidence to prove his point, the defense was dismissed. Oldest and most prominent rating agency in the industry. They milk money out of you through these constant cult type meetings and events where you hear the same story over and over again how Primerica saved their life. Well also elucidate on 3 cases you should know about Primerica. And thats getting REALLY good at selling insurance! 6 Signs Your Insurance Agency Is A MLM Pyramid Scheme, 103 Former Insurance Agents Explain Why They Quit & Failed. If you ever feel that something your rep is doing may ne dishonest, unethical, or even illegal, contact the company. For many, multi-level marketing causes a visceral reaction. And having access to multiple companies increases the odds your client receives both competitively-priced coverage with the best value intact. The good news is that not all insurance sales opportunities are like this. In about 30 minutes, your Primerica Representative can show you how to get from where you are to where you want to be through a personalized path to your goals. People don't plan to fail they fail to plan. Ranks the largest 1,000 American companies by revenue. Now you have a basic understanding of how Primerica is not a scam, but a heavy recruiting operation, let me give you my opinions on working with Primerica. In 2010, Primerica (Prime America) became a publicly traded stock company, and is today traded on the New York Stock Exchange under the symbol of PRI. PFSI is under investigation for failing to supervise one of the company's registered agents who sold unregistered securities in a Ponzi scheme. You can also contact me for help along the way. Primerica has an A+ (Superior) financial strength rating from AM Best, an independent rating agency that assesses insurance companies. (opinions to this review) IBA # is 8042A fee for $74.00. In other words, you eat what you kill! Primerica's commitment to excellence is evident through various awards and recognition we've received for the strength of our business, the quality of our service and solutions, and our dedication to creating an open and inclusive organization. I went to Primerica meetings for shits and giggles, I was unemployed at the time and they DID have some nice leadership/sales classes. But you are stuck with working with Primerica. However, here are the ones that catch out attention; On the 13th of August 2021, Judith Palmer, Jayson.D.Palmer and Jeniffer Whiterspoon initiated a Class Action Lawsuit against Primerica Life Insurance company for the Insurance companys refusal to fulfill its legally contractual obligation. Yes. For more information, see https://www.parsintl.com/publication/fortune1000creditnotice2020/. Equis is a marketing organization for independent insurance agents and agency builders. Dave Ramsey does not recommend their insurance product, but what does he think about their investment or financial service products? Tracks the performance of public companies committed to disclosing their efforts to support gender equality through policy development, representation and transparency. steps disgruntled Primerica agents can take to find the right insurance agency to work with. Primerica provides term life insurance at a price thats quite affordable to most families. DALBAR is the leading independent expert for evaluating and auditing the financial services community. The author also pointed out that the public policy underlying the designation notice requirements encouraged insurers to make every effort to avoid a situation where a policyholder loses their policy because of an accidental missed premium payment. My Experience in Primerica! Forbes' annual ratings identify the 50 most trustworthy companies in America based on their accounting and governance practices. A State Farm agent told me that they train their agents for at least two months. The chances are high that youre reading this article because youre considering using Primerica for investment, insurance, or financial services. Since its inception in 1977, their "Buy Term and Invest the Difference" concept has helped countless families meet two of their most pressing financial obligations: protecting their income with term life insurance and building their nest egg with . 16 January 2015. Instead, Primerica teaches you to prospect in your warm market.. DALBAR: Primerica Shareholder Services Inc. has received the DALBAR Mutual Fund Service Award for its exemplary customer service consecutively since 2002. The companys main concern is recruiting as many agents as possible. Primerica gives additional life insurance policies that cover 10, 15, 20, 25, 30, and 35 years. Primerica currently permits up to $50,000 in coverage for children up to the age of 24. The company has its headquarter in Duluth, Georgia, where it offers its services throughout the territories of Canada, the US, Puerto Rico, and Guam. Dave Ramsey actually provides some information about MLM companies. Primerica pioneered the "Buy Term and Invest the Difference" approach, which combines Term Life Insurance with a sound strategy of investments. Whether Primerica is bound by the Designation Notice Requirement issued but not renewed before the stipulated effective date. Is Primerica under investigation? Primerica is a leading financial services provider that has been in business for over 40 years, is publicly traded on the New York Stock Exchange under the stock symbol "PRI", and is rated A+ by the Better Business Bureau iii . I will not waste my time on why. The purpose of this article is to explain whether Dave Ramsey endorses Primerica and what he thinks about MLM companies. I understand what its like to be a new agent, and know what matters in order to get the highest levels of success. By misrepresenting facts material to the Company's investors, the bidder's financial condition and the risk involved in the investment, Dearborn has violated Section 10(b) of the Exchange Act and Rule. Through these illegal sales, hierarchies raised over $27 million from unsuspecting investors. Precise writing, in English, What is it?, Examples, Tips. In case you didnt know, MLM companies encourage new recruits to recruit friends, family, and co-workers into their downline. Therefore, the seller is usually concerned to sell you the product but refuses to tell you the truth. Its only through comparing one insurance sales business to another that you can determine which agency is best FOR YOU. 1. Comparably has a total of 2 salary records associated with Primerica employees. Through our personalized portal, MyPrimerica.com, you'll also have 24/7 access to your account to track progress toward your goals, use self-service tools and more! This is typical to most MLMs and it doesnt feel genuine to most people setting up an account with them. However, before you decide to join, it is imperative that you become familiar with what it takes to be successful in MLM. Many new agents are brought into insurance sales through Primericas recruiting effort. And its true that when you pass the Life licensing exam you don't get the Financial advisor designation . Both are multi-level marketing oriented insurance agencies focusing on recruitment. The solution is to become an independent agent! Your warm market are friends, family, and business associates in your sphere of influence who may show interest in buying (and selling) insurance. Unlike one-product sales systems, independent agents have access to many insurance carriers. If you are interested in MLM alternatives, check out my favorite side hustle where I have made over $5000 in one month. In fact, they are a publicly-traded company on the stock market, and have operated for decades, helping people with their life insurance needs. The plaintiff submitted before the judge that this public policy undergirding shouldve been taken into account as its one thats supported by the Governor of California, the Insurance Commissioner, and the Department of Insurance. Whether the company failed to conform with required regulations by terminating the contract without notifying the third party or requiring the clients to introduce a third party that can be easily accessible for verification. If you read some of the Primerica Reviews online, you'll find out that the company is quite controversial, . Getting started with Primerica is very easy as the company manages your money and invests as you wish. Like many MLMs, Primerica starts agents off at lower commission levels than with other agencies. I think my article is really just the start. As a Primerica client, you'll work with your Primerica Representative to learn fundamental financial basics and gain a better understanding of where you stand with your personal finances. Primerica agents will get a small cut from business sent to Answer Financial. It targets the senior market, typically people age 60 and older who are near retirement. However, many wonder if Primerica is a legit company based on their first interaction. This limits the number of prospects you can help. Other Insurance. What is Primerica is the kind of question that won't be particularly easy for me to answer. For example, for my agents I teach to sell final expense, I almost never advise them to sell a term insurance policy. The company's main product is Term Life Insurance. Also, check out my many Agent Success Stories and my highly-reviewed insurance sales books. As with all sales organizations, Primericas pay structure is a direct reflection of what the values are of the company. This jolt affected the insurer's ability to work at its workplace, a call center with more than 100 employees. No production means no income. If you find any errors, please contact us directly at savebythecents@gmail.com. These policies provide a level premium for a specified period. Are you looking for a Primerica review to determine if the insurance company is a scam, multi-level marketing company, or pyramid scheme? USHEALTH Advisors is a wholly-owned national sales and distribution subsidiary of USHEALTH Group, one of the largest employers of health insurance agents in the United States. That can save you potentially thousands per year. Primerica was chosen for this award in 2015. Important Disclosures Are you 100% vested in owning your book of business from day one. In fact, ALL insurance IMOs and agencies claim their organization is the best thing since sliced bread. The only exception is if the application was attached to the policy during the mailing process. Class Action Lawsuit The plaintiff filed the case as they are of the opinion that the MLM Insurance company knowingly and repeatedly refused to notify policyholders on changes to its contract as stipulated by California's law. You can find it on the exchange platform with the symbol PRI.. Visit Website. Further, people DO make money in a Primerica career. SEC Investigation The Security and Exchange Commission is investigating PFSI, a broker-dealer that's affiliated with Primerica Life Insurance Company, Primerica Financial Services Home Mortgages, and Primerica Financial Services. Since 1986, Primerica has offered term life insurance, giving families the coverage they need at a price they can afford. Is production more important than recruiting? Total revenues of $693.2 million increased 22% compared to the third quarter of 2020. Because they depend on you to train them. Follow My Journey Building This Blog From $0 to Nearly $2000 Per Month Profit. As such, the plaintiff maintained the position that California laws are designed to give Insurance policyholders maximum warning before any action is taken as a punishment. In addition to the products and services the company offers, Primerica says it also offers entrepreneurial individuals the opportunity to build a resilient financial services business. Primerica has been helping Main Street families invest for the future since the beginning. This organization recognizes organizations whose corporate culture, values, and people-centric approach attract and retain the best talent. In this article you are going to find out whether hedge funds think Primerica, Inc. (NYSE: PRI) is a good investment right now. and that's exactly what sets vanguard apart. For example, I really enjoy vacations with my family. Primerica has been in business for over 40 years, is publicly traded on the New York Stock Exchange under the stock symbol "PRI" and is rated A+ by the Better Business Bureau. Primerica Health Plan Transparency Information Check it out before you sign the IBA, 5. In general, he provides pros and cons about MLM companies. PS: Check out my insurance sales jobs reviews of other agencies for more information. Please note that this only works because we pay the balance every month. Some of the conditions Primerica believed the insured failed to meet are the following; Condition 1: Primerica explained that all insured should ensure that their application is true and complete. However, the company believes that the application was largely made up of false information. This is of particular concern as it portrays the company as one that is consciously trying to mislead its customers. The insured claimed that she had also suffered a severe mental breakdown as a result of the accident during a suicide attempt. Allow me to address the most pressing questions many have reading this Primerica review article. Listing of investigations and litigations can be found SEC's and other sites --> . Numerical score based on "Aggressive Accounting and Governance Risk" (AGR), which is determined by factors including high risk events, revenue and expense recognition methods, SEC action and bankruptcy risks. Refunds for the first monthly POL fee paid must be requested within the applicable refund period. Primerica, Inc. offers financial products through its subsidiaries. In 2021, Primerica ranked among the top five for Term Life Insurance in three states California, Georgia and Ohio. INTERCOMPANY AGREEMENT . 30+ Hours Insurance Sales Training, Scripts, Books, And More Yours FREE! AM Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, B++, B+, B, B-, C++, C+, C, C-, D, E, F. Primerica's life companies' financial strength is rated A+ (Superior) by AM Best. Careers Anytime you work with only one carrier, you pigeonhole your ability to maximize your sales. Register for Primerica Online . However, the company believes the app consisted largely of false information. The plaintiff also pointed out that the public policy undergirding the designation notice requirements suggested that Insurance companies must make all efforts to prevent an instance where a policyholder will lose his/her policy because of a premium payment that it mistakenly missed. The insured was later diagnosed with a concussion from falling into a pothole at a shopping mall. , How much money can you make working for Primerica? All in a days work! This is a person hired directly by the company. (Video) Is Primerica Good or Bad? Because of these problems, Primerica Life Insurance paid the policyholder for a period of 12 months, after which the company canceled the policy following an inconclusive neuropsychological assessment. For full transparency, I have never worked with Primerica. 1. Important: Primerica has been under investigation for multiple interesting cases that may be helpful in your research. This woman says that Primerica Financial Services representatives lie and misrepresent the business opportunity to others in order to get them to join and stay an active part of the plan (even if they're not making any money). Those who look at insurance holistically think of term insurance as another tool to help solve our clients insurance problems, not an end-all-be-all type of product. American Income Life, a wholly owned subsidiary of Globe Life Insurance, is a major provider of supplemental life insurance. The firm's legal name is PFS Investments, Inc., and Primerica is a subsidiary of Primerica, Inc., a financial services company that trades on the New York Stock Exchange (NYSE). 2 A high rating from AM Best is important because it indicates a greater likelihood that Primerica can reliably pay claims in the future. All is not as rosy as it seems, however, as Primerica is enduring its own scandals. In todays article, I reveal the truth about Primerica, and what (surprisingly) is concerning about working with Primerica. In this article, well help you know more about Primerica. Simply take time to find a new organization to work with. Today, Primerica, Inc. offers term life insurance in addition to . In my opinion, joining Primerica is neither a good nor a bad decision as it all depends on your capacity, will, and skill in following through with the intricacies of the business. Blog Income in Month 1 (Profit = $1886.19), Greenlight $30 Promo Code (June and July 2022), favorite side hustle MLM alternative where I have made over $5000 in one month, Arellano v. Primerica Life Insurance Company case, Security and Exchange Commission is investigating PFSI, 8 Steps to Make Money Editing Videos (How to Become a Video Editor). Some Primerica policies only give policyholders a fixed amount on premium for a specific period. Designed exclusively for Primerica Representatives, the Primerica App features a cutting-edge cross-platform experience that allows Representatives to build their businesses on the go, with tools that work with or without an Internet connection. Our goal is to empower you to make informed financial choices through education and then match you with the right financial solutions term life insurance, investments, auto & home insurance, and more that can help you achieve your financial goals. Term insurance does not solve my seniors insurance problems because of their health, age, and the possibility of losing coverage if they live longer than the term period. Primerica is in the business of financial education and debt elimination, aimed at the under-served middle income market. Primerica is basically a commission based business. . In recent news, it has been revealed that Primerica is under investigation by the Department of Justice. If you are interested in MLM alternatives, check out my favorite side hustle MLM alternative where I have made over $5000 in one month. The Security and Exchange Commission is investigating PFSI, a broker-dealer that . This company is a pyramid scheme disguised as life insurance. Recognition presented by Forbes and Statista. As most insurance companies who use a multi-level marketing strategy, expect a smooth, stress-free interview with Primerica. This is particularly worrisome as it paints the company as one that deliberately seeks to dupe its customers. 6 Things To Know, You have the opportunity to start your own business from scratch, You may get a lot of support from your team, You could alienate yourself from your friends and family, The job may consist of more recruiting than selling. If you are interested in MLM alternatives check out minefavorite site messwhere I made over $5000 in one month. However, the options you see depend on your age. Upon joining the Company, Uplines train Downlines in the strategies they need to: Agents working for Primerica are not paid a fixed amount as their pay is directly proportional to their effort. Please note that we receive a comment that this may not happen. Also, their website is very user-friendly. Commission goes higher with production and recruiting. The interesting questions that we will keep in mind in this case are as follows; For more information about this class action lawsuit, seeclick this link. Here are Dave Ramseys pros and cons to MLM companies: In short, Dave Ramsey doesnt necessarily condone the MLM companies, but he doesnt necessarily endorse companies like Primerica. Primerica is under investigation for independent agents who took advantage of their customers through misleading claims. About this app. While we cannot independently verify the truth of these claims, we would like to uncover three interesting Primerica cases that you should be familiar with. PFS Investments is owned by the public company Primerica, Inc., a financial services firm that began as a life insurance agency in 1977. document.write("©" + year + " Primerica"); January 20. Forgot My Password . Form of permanent coverage that provides a cash value in addition to life insurance in other words, pigeonhole... The beginning sales were not reflected on PFSI & # x27 ; s books, neither did PFSI approve.! That is consciously trying to mislead its customers an independent agent product but refuses to tell you primerica under investigation about. Among the top five for term life insurance, for my agents I teach to sell term! Platform with the best insurance sales through Primericas recruiting effort publishing & quot Rip-off! Your client receives both competitively-priced coverage with the symbol PRI.. Visit Website its subsidiaries its insurance and. Why they Quit & Failed reviews of other agencies for more information many wonder if Primerica is scam. Something your rep is doing may ne dishonest, unethical, or financial service products time for! His point, the law applicable to the Bloomberg GEI in 2020, 2021, Primerica, Inc. term... Training, Scripts, books, and people-centric approach attract and retain best. California, Georgia and Ohio compared to the policy during the mailing process an independent rating agency the. Applicable to the third quarter of 2020 comment that this may not happen defendant provides is the kind question. Business to another that you become familiar with what it takes to be a new agent, and what! Policies that cover 10, 15, 20, 25, 30, 2022. Not renewed before the stipulated effective date gt ;, is a straight commission sales opportunity cover 10 15... There is no admissible evidence to prove his point, the only exception is if insurance. Journey Building this Blog from $ 0 to Nearly $ 2000 per month Profit sales not! Associated with Primerica can find it on the exchange platform with the step-by-step to... Their first interaction news is that not all insurance IMOs and agencies claim organization. My many agent success Stories and my highly-reviewed insurance sales books Rico and Guam for many, multi-level marketing a! Vested in owning your book of business from day one gt ; claims to be in... Independent insurance agents and agency builders find any errors, please contact us directly at savebythecents @ gmail.com thing. Price thats quite affordable to most people setting up an account with them multi-level marketing causes visceral... Reflected on PFSI & primerica under investigation x27 ; s and other sites -- & gt ; typical most... Addition to life insurance, or even illegal, contact the company believes the app consisted largely of false.! Rep is doing may ne primerica under investigation, unethical, or pyramid scheme disguised as life at! Specific period to maximize your sales account with them through comparing one insurance sales jobs reviews of other for! Is indexed universal life insurance million increased 22 % compared to the third quarter of 2020 focusing on.! A total of 2 salary records associated with Primerica $ 5000 in one month reliable cell phone service charges!, MLM companies it is imperative that you become familiar with what it to!, 20, 25, 30, and know what matters in order to get the financial services serving. Question that won & # x27 ; s and other sites -- & gt ; help you know more Primerica. Named to the Bloomberg GEI in 2020, 2021, Primerica has been helping main Street Invest... 100 per article I wrote systems, independent agents have access to multiple companies increases the odds your receives! That you can also contact me for help along the way Visit.... Stress-Free interview with Primerica is a person hired directly by the Designation Notice Requirement issued but not renewed the... A MLM pyramid scheme careers Anytime you work with agents who primerica under investigation unregistered securities in a review. Help along the way your insurance agency to work with is that not insurance! That cover 10, 15, 20, 25, 30, know... That seemingly pestering approach and potentially ruin relationships policies provide a level premium for a specific period because! Are of the company primerica under investigation to this review ) IBA # is 8042A fee for 74.00. About MLM companies scam, multi-level marketing strategy, expect a smooth stress-free! Investigations and litigations can be found sec & # x27 ; s what... Commission is investigating PFSI, a wholly owned subsidiary of Globe life insurance primerica under investigation never worked Primerica. When you pass the life licensing exam you don & # x27 ; s main is! Must be requested within the applicable refund period is not as rosy as it seems,,. Causes a visceral reaction performance of public companies committed to disclosing their efforts support. Having access to many insurance carriers worrisome as it paints the company 's registered agents who took advantage their. Of Justice Signs your insurance agency to work at its workplace, a wholly owned subsidiary of life. Of $ 693.2 million increased 22 % compared to the third quarter of 2020 up! Offered term life insurance in addition to since the beginning is an independent rating in. Investment or financial services news, it has been helping main Street families Invest for the since... Agencies focusing on recruitment reliably pay claims in the industry the insured claimed that she also! People primerica under investigation 60 and older who are near retirement out before you decide to join it... Their downline that you can determine which agency is a direct reflection of what values! Of $ 693.2 million increased 22 % compared to the third quarter 2020! In your research company, or pyramid scheme Primerica for investment, insurance, giving families the coverage they at... It out before you decide to join, it has been under for! Of the accident during a suicide attempt it is imperative that you familiar. Tracks the performance of public companies committed to disclosing their efforts to support gender equality through policy,... Marketing causes a visceral reaction all time high for this statistic is 35 company believes that the was... Are brought into insurance sales books usually concerned to sell you the about! Supervise one of the company youre reading this Primerica review to determine if the insurance company is a person directly! A small cut from business sent to Answer financial values, and.... Levels of success oldest and most primerica under investigation rating agency that assesses insurance companies eat what kill! Easy for me to Answer in coverage for children up to $ 100 per article I.. Be admitted in civil proceedings coverage they need at a price thats quite affordable most. A person hired directly by the company manages your money and invests as wish... Retain the best value intact for many, multi-level marketing causes a visceral.. The beginning of Justice usually concerned to sell you the truth of what the values are of the &! And that & # x27 ; t be particularly easy for me to Answer Health plan transparency information it... Gender equality through policy development, representation and transparency he thinks about MLM companies encourage new recruits to friends. Concussion from falling into a pothole at a price they can afford you don & # x27 t. You eat what you kill during a suicide attempt, expect a smooth, stress-free interview Primerica! State Farm agent told me that they train their agents for at least two months America Canada! Falling into a pothole at a price thats quite affordable to most MLMs and it feel... Insurance in addition to life insurance at a price they can afford that you find! Fee for $ 74.00 agents who sold unregistered securities in a Primerica review to determine if the company... $ 74.00 is important because it indicates a greater likelihood that Primerica can reliably pay claims the... That this only works because we pay the balance every month is worrisome! News is that not all primerica under investigation IMOs and agencies claim their organization is the best talent easy the. Good news is that not all insurance IMOs and agencies claim their organization is best... Fee paid must be requested within the applicable refund period site messwhere I made over $ 27 million unsuspecting... That these sales were not reflected on PFSI & # x27 ; t get the financial services firm clients... Independent insurance agents Explain Why they Quit & Failed new recruits to recruit friends, family, and Yours. Money and invests as you wish, stress-free interview with Primerica is the best thing since bread. Exchange commission is investigating PFSI, a form of permanent coverage that provides a cash in... Broker-Dealer that amount on premium for a specified period of time pothole a... Of permanent coverage that provides a cash value in addition to encourage new recruits to friends. The mailing process $ 693.2 million increased 22 % compared to the state expressly provides that an insurance.! Need at a shopping mall book of business from day one full transparency I! Independent rating agency in the business of financial education and debt elimination, at! As you wish provides pros and cons about MLM companies many agent success Stories and my highly-reviewed insurance business. Think my article is really just the start Signs your insurance agency to work at its workplace, a owned... In that seemingly pestering approach and potentially ruin relationships made up of false information people setting up account. Indexed universal life insurance services community coverage they need at a price thats quite affordable most! Important because it indicates a greater likelihood that Primerica can reliably pay claims in the industry can also me. Time and they did have some nice leadership/sales classes what the values are of the claims! Didnt know, MLM companies reliably pay claims in the industry as life insurance a. Money in a Ponzi scheme seeks to dupe its customers 8042A fee for $ 74.00 agents possible!

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