This is not true or correct with regards to our company. We offer a 100% Virtual Platform & System, Training plus Support for $19.95 per month. We have a Custom Enterprise CRM and an Online Marketing System with over 40 landing pages Custom Videos and drip email campaigns. There is 24/7 Perpetual Virtual Environment with 4-7 Live Weekly Webinars. There is No Requirement for an insurance policy except for E & O Insurance once a rep is licensed for $30 mo and we offer a $30-month rebate for $2000 annual premium. A New Licensed rep pays $19.95 plus $30/40 per month E & O Insurance (Total $59.95) and can be re-reimburse $30 if they produce. Any lead systems a rep chooses to invest in would be on their own and completely optional. I have never heard of the one mentioned here. We do not require 2 phone lines. We do offer over 200 A Rated Carriers and over 500 Products with a 100% Advance and 40% on Submission. Our gross payout to the field is 126% on Transamerica Plus 5.85% annual renewals (Total 179% on Term with LB & 156% on IUL) Our Home Office paid out over $900 Million in commissions 2017 and we have over 3400 agents paid over $100k per year and 155 Paid over $1 Million last year alone.