Lost a couple hundred to them years ago... long story short, my sis knows one of the top money makers in this area, and he tried to recruit us again with this story about how it's really a great way for families to consolidate bills, save money BUY LIFE INSURANCE.................key word... their main goal - get YOU to sell their life insurance, and well, that's the main goal after the first goal which is to get your money , which I THINK they have lowered a bit, probably due to the economy.
In a nutshell, no one is going to make any money except those already at the TOP of the pyramid.............
Total and complete waste of time and money............. but hey, we all have our lessons to learn, I learned mine I HOPE from that one LOL