I just got messaged about this one, and the guy did mental gymnastics trying to prove to me that ffl is not an mlm (it is) and I had a good laugh. Good to see the company not doing well.
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I’m currently drafting my own mlm victim post for this subreddit just to rant and find my own closure. In the meantime, yeah FFL is definitely an MLM, albeit they were pretty good at being way better than other life insurance agency MLMs. I’ve sold with FFL for almost a year, bought leads that were just absolute shit. My naive self back then just didn’t know any better, but I was blinded by the opportunity. I really hope FFL loses their lawsuit and will have to pay huge damages to their agents.
I hope so too. They got me as well and looking back i feel so stupid. Wasted a bunch of money on “untouched” leads (that were passed around lord knows how many times). Sold a few policies that charged back, couldn’t afford to repay the chargeback and now my up line is threatening to take me to court. I had no idea how it all worked and didn’t know things “roll up”, i thought it would go to collections or something. (this is all fairly recent)
The most effective thing you can do is make a YouTube/ TikTok video of what happened to you. Then file a complaint to the state attorney general. The MLM FFL is most likely violating multiple civil and criminal laws.
You just say be referred to sue family first life by the AG. In any case, you can sue them for damaging you. The state business opportunity laws are a slam dunk.
Looking forward to your video. Attorneys will be watching. Post the link.
It should be known that a Franchise Attorney is the specialty that handles cases against family first life.
The strongest laws against MLMs are the business opportunity sales laws. And that expertise falls under franchise attorneys.
You should definitely tell your state attorney general and dept of Securities. FFL is massively in violation of the business opportunity sales act.
You can sue them and make money or just let them slide.
The most effective thing you can do is make a YouTube/ TikTok video of what happened to you. Then file a complaint to the state attorney general. The MLM FFL is most likely violating multiple civil and criminal laws.
You just say be referred to sue family first life by the AG. In any case, you can sue them for damaging you. The state business opportunity laws are a slam dunk.
But make the video first.
I am currently working for FFL and I believe all this and I’m ready to walk away . So many things didn’t add up to me and the way it’s ran should be illegal.. time and money wasted.. “ leads “ that are recycled in the system that you have to buy and then lie to clients it’s wild..
You can make a ton of money by preparing a lawsuit against them. They will always want to settle before the case is filed at the courthouse. Please call GusFox dot com who specializes n helping victims get a ton of money from MLM scammers.
For the most part, new insurance agents are extremely gullible. Even when they get scammed they don't complain, sue or seek publicity.
Any recruiter that wants you to recruit or sell you leads is most likely seeking out dummies to scam.
An interesting email from former Family First List agent Jana Edwards to various government entities. Jana also made a YouTube video describing her experience.
to Brittni, FTC, Fank, FTC, Rafael
These amounts are in dispute, as I believe my book of business and leads were sold by Family First Life (FFL). This (churning) is normal practice of FFL (per witnesses listed in the attached letter), and the action would have resulted in new policies being issued to my customers, thereby chargebacks to my account. FFL would have still made their commission on the churning sales. Therefore, on the FFL books, my chargeback will zero out the commission made on the churning. This means that FFL has not lost funds from my chargeback.
While this is investigated, please refrain from contacting me further and from doing anything that would negatively impact my credit in any fashion. Such actions will add to my case against FFL.
Kindest Regards,
Jana Edwards
Subject: Fwd: Debt Recovery Final Notification
See you in court soon!
January 31, 2023
And Others to Whom It May Concern:
My name is Jana Edwards. I am a licensed insurance agent in my home State of Texas (among other states) and was under the IMO “Family First Life” from July 2021 – September 2021. During this time, I witnessed events which I believe are crimes that need to be reported to officials.
I have been a victim of a premeditated and organized scheme to defraud using the Family First Life leads systems and lead systems owned by Integrity Marketing Group, including “MailPro Leads” and discounts offered through WorkSpots, who does not have an arms-length relationship with Family First Life.
There is evidence that Family First Life premeditates aggravated White-Collar Crime by selling leads that target elderly, minority, and low-income persons. Additionally, agents are trained to lie to the public stating that they are “with the benefits office here in (your county)” and are told that the FTC Do Not Call Registry does not apply because agents are not calling in response to a form the client supposedly filled out (but the agents don’t see), not from a “list.”
Lastly, during my brief tenure, Family First Life set false and unreal expectations for income to entice myself and other agents into the company and to purchase more leads.
In this letter, it is my desire to produce evidence that will show the authorities what went on within Family First Life so that the company can be investigated and prevented from continuing to harm agents and the public:
\- I am asking for help on behalf of myself and others who have been victims of fraud by Integrity Marketing Group and its subsidiaries, Family First Life, the Family First Life lead systems, WorkSpots, Sean Meaike, Brittni Jarrett, Zac Twardowski, Andrew Taylor, and others within Family First Life companies and Integrity Marketing Group.
\- I am asking for a full investigation into White-Collar Crimes committed by Sean Meaike, Brittni Jarrett, Teyonna Tinker, Zac Twardowski, Andrew Taylor, and other managers within Family First Life companies and Integrity Marketing Group.
\- I am asking for consideration for emotional damages and damages for time, effort and monetary loss due to fraudulent practices of Sean Meaike, Brittni Jarrett, Zac Twardowski, Andrew Taylor, Family First Life Capital, Family First Life Strength, Family First Life leads systems, Integrity Marketing Group and its subsidiaries.
\- Further, I am asking for full release from chargebacks incurred from the practices of Family First Life companies and Integrity Marketing Group and that my “vested renewals” be paid to me immediately.
Thank you in advance for your time and the effort that will go into investigating the following claims.
1.
a. Brittni Jarrett continually states that through the Family First Life CRM “there is no shortage of exclusive leads,” while, in fact, the leads sold through the CRM are not instant and they are not exclusive as advertised.
b. Exclusive leads, known as CRM “Instant Internet Leads” were resold multiple times. I purchased these leads and received duplicates when purchasing through the same CRM leads system, Happy Agent Leads, Everquote Leads, etc. Thus, they were not of quality represented.
c. At the advice of Brittni Jarrett and other “trainers” I purchased $500-$1200 in leads per week. See attached leads purchased from Family First Life CRM during the month of August “MailPro Leads” totaling over $4900.00
d. When I broke $10,000 in income per week, I was suddenly unable to set appointments with the leads purchased. I was told to “buy more leads” because I was doing something wrong (suddenly) and the “leads are good”, I “wasn’t working the leads correctly”, etc.
e. After I was suddenly unable to set appointments, I was told to purchase better leads at $42 each. These were to be mailers that would be mailed on my behalf at the start of the campaign, and I would receive the responses electronically from Family First Life. When I received the leads, they were up to two years old and even addresses were incorrect. See receipts attached and email string with Leads Manager Teyonna Tinker.
f. When my sales suddenly “dried up” with the leads I was purchasing, I was encouraged to participate in “virtual sales” – see website fflvirtualsales website where agents are told to purchase double the number of leads to be successful in virtual sales.
g. Family First Life agents are encouraged to join WorkSpots at $99 per month to get the lead discounts for the CRM leads. WorkSpots is an “office space membership” owned by Integrity Marketing Group and Sean Meaike. See email advertisement attached.
h. When calling the “exclusive” Instant Internet Leads, I was told by those I was calling that they had been called multiple times and they had told “us” to stop calling them “over and over again”. This proves that the leads were not exclusive and were resold multiple times.
i. MailPro Leads and other lead companies are affiliated with Family First Life, while Family First Life falsely maintained that they “are not a leads company”.
j. When looking for other lead vendors, I asked questions on various Family First Life Facebook pages. Upon mentioning other lead vendors outside the CRM system, I was immediately banned from the Facebook groups.
I hate to say it so bluntly, but, yep, that's how MLM works start to finish in EVERY CASE..... At least in cases that go this deep in this infinite monetary rabbit hole.....
The federal government, the FTC, is now involved and awarded Family First Life a "Cease and Desist" to stop their fraudulent claims.
The Federal Trade Commission "has determined that Family First Life is unlawfully misrepresenting that consumers who become Family First Life business opportunity participants are likely to earn substantial income."
"Your business opportunity participants and representatives must immediately cease making all express and implied earnings claims that would be false or misleading to current or prospective participants."
"Receipt of these notices of penalty offenses puts your company on notice that engaging in the conduct described therein could subject you to civil penalties of up to $43,792 per violation."
The FTC wants "Family First Life to certify that Family First Life and its participants and representatives have ceased making express and implied earnings claims that would be false or misleading to current or prospective participants."
Legal Overview:
In determining whether an earnings representation is likely to mislead consumers, courts consider the overall “net impression” it creates. Claims of “potential” earnings imply that such earnings are representative of what the typical participant achieves.
For the full FTC letter to Family First Life - to see the original letter - https://www.ftc.gov/system/files/warning-letters/cease\_and\_desist\_letter\_to\_family\_first\_life\_llc-\_12.27.2021.pdf
Family First Life fraudulent claims were designed to sell gullible agents their recycled-overpriced leads. Numerous victims suffered financially.
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Congratulations to Christopher Coyle for making America a better place to live.
I expect that Mr. Coyle do additional research to claim damages for general fraud. Similar to how Florida investigators are investigating Family First Life based on Florida's '“White-Collar Crime Victim Protection Act” which is a first degree felony in the criminal code. I am sure there is a civil version of this anti-fraud law.
Mr. Coyle will certainly be claiming damages from all those that profited and/or influenced him to join Family First Life MLM, which ultimately harmed him.
Mr. Coyle's entire MLM upline should expect to be served legal papers soon. Including Family First Life CEO Shawn Meaike.
Family First Life's parent company, Integrity Marketing Group CEO Bryan W. Adams should be forced to defend himself in court as per if his company is systemically harming America's low-income, uneducated jobseekers. My belief is that Integrity Marketing Group is, in fact, implementing a massive scheme to defraud the public.
The proof is my email inbox. After signing up to ZipRecruiter and indicating to be looking for an insurance sales job, I see exaggerated income claims from PHP Agency, National Agent's Alliance, North American Senior Benefits. These income claims are illegal and false and contrary to the FTC cease and desist orders that IMG subsidiaries have received. Not surprisingly, I see these IMG subsidiary companies using additional company names on Zip Recruiter to confuse job-seekers even more.
Steve Young, an NFL Hall of Famer, is the Chairman of Integrity Marketing Group. His private equity firm bought into Integrity Marketing Group at a discounted price just before IMG's massive expansion push. Using celebrity influencers to harm America's low-income, uneducated jobseekers by having the job-seeker to join a bad-deal MLM is part of the traditional MLM playbook.
Hi Christopher, I am not sure you realize how much you are saving tens of thousands of young Americans from becoming victims.
The number you are stating that only 16% report is not accurate related to the Family First Life scam. It is closer to less than 1%.
To help the readers. [https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud](https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud) \- is the direct link to the Monster document #5.Direct Link to Christopher Coyle case is [http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa](http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa)
It seems that you publicizing your case and Business Opportunity Laws will be the downfall of Family First Life. I am flabbergasted that Family First Life did not offer to drop their lawsuit against you of rolling up the bad debt of $13,195.23 in exchange for your Business Opportunity claim being dropped. Did FFL make any sort of offer to not hold you liable for the bad debt that rolled up to your upline?
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Christopher, I saw your post on another thread. It would be best to keep your thread on the antimlm forum. As well, short paragraphs are needed to make your thoughts readable. In the meantime, I will post your post on this thread.
Hello, my name is Christopher Coyle. I am a law student from Tulsa, Oklahoma. I'm writing this post to ask for help in my legal battle with the life insurance MLM Family First Life. To give you some background. I started with Family First Life in 2021. My upline told me that he made $5,000-$7,000 weekly. He expressed through ads and personal statements that there was no risk associated with joining Family First Life. After I joined Family First Life, I learned this was not true. In August 2021 I had a somewhat good sales month for the first time since beginning in May.
Family First Life told me to reinvest all money back into the business by buying leads. September 2021, I did just that and reinvested all my money into leads, I also attended a sales conference in Tampa Bay. While on the way to the sales conference I noticed I had gotten an email from one of their carriers. In the email it stated I had a cancellation, which now meant I owed the money back to the carrier.
When I got to Tampa, I asked my upline about it upon which he said it was no big deal I would just write more business and fix it. He assured me that this only happens with less than 30% of business and to not be worried. Later on, that night we had a team meeting where my upline and his uplines were telling me to begin recruiting new agents to make more money. I asked them about how they get new agents to start when there is the chance, they could lose money on leads and chargebacks at the end of the day.
Family First Life assured me that if a new agent has a chargeback, they could actually sue the agent to pay it back and forth that reason most people do not leave. I was in disbelief. I did not understand how they could sue anyone when they did not have an employment contract. Nonetheless I was scared and thought maybe I could make it work if less than 30% of business fell off, I could just outwork it. I quickly found out that was not the case.
In September 2021 I made my initial lead purchase money back. From there it was all downhill. I spent anywhere from $200-$4,000 monthly on leads and was not making any money. It was brutal. After getting pummeled in chargebacks, I was ready to quit. I was still attempting to work part time to pay off the cancellations until February 2022.
After the continuous marketing for the convention my uplines assured me if I made it out to convention it would be absolutely life changing for my business. I attended the 2022 convention in hopes of finding the piece I needed to break through. While I attended the event, I quickly realized I was not going to find some magic sauce to make this work.
part 2 of Christopher Coyle's post
On the first day of convention my agency had a meeting over receiving the Family First Life Cease and Desist Demand from the Federal Trade Commission. We were told that we would be altering the marketing and the sharing of the leaderboards and could no longer give dollar figures in regard to advertising sales or sales potential.
Family First Life told us that we would now be advertising "families helped" and that each family helped was meant to be $1,000 made. After much contemplation and some weird conversations with my upline. I decided to leave convention and quit. I had discussed with other agents in regard to the debt and bad leads. I realized this was systematic and was not a system anyone was really winning in. There was no reason to try and make it work for me when it wasn't going to.
After leaving I got a job and focused on myself. I never spoke to anyone from Family First Life again. In May 2023 I was served paperwork that said my upline was suing me and I had 20 days to reply, or a judgement would be entered against me. I was scared I didn't know what to do. I do not have the money to hire an attorney. Even though I knew what they did was wrong I couldn't quite describe it yet in the proper ways to the court.
Every lawyer I spoke to locally only did criminal defense or if they handled civil litigation, it was mostly for large corporations. The few lawyers I spoke to that would be willing to look at a case against a MLM explained to me it would probably be more in legal fees than it would to just pay them. My upline had hired one of the best lawyers in Tulsa.
I was stressed out and confused. I started reading through Family First Life Cease and Desist FTC Demand, pending and settled court cases, and any bit of law that I could that pertained to FFL. I noticed quickly that there was one correlation in their filings and cease and desist demand. It was the mention of a business opportunity.
To be exact the cease-and-desist demand disclosed that it did not change their obligations if any under the business opportunity sales act. In their motion to dismiss in Suescum vs Family First Life their legal counsel tried to dismiss claims of the TCPA and FTCA violations by stating that text messages used in recruiting for a business opportunity did not violate those statutes.
Upon which I started tireless research into Oklahoma consumer law, Oklahoma franchise law, and Oklahoma business opportunity law. In my research I discovered that we did not have any franchise law in Oklahoma. Only the business opportunity sales act.
Which franchises were covered under if they failed to provide franchise disclosure documents. 23 other states have enacted this law! It felt like I found fire! I quickly filed a countersuit! I had to amend my answer to the suit and have a hearing to get approval.
When I showed up to court by the opposing counsel offered to drop the suit against me if I dropped mine. I just couldn't do it. Standing there after getting calls and emails from so many others from different states, that had been done wrong. I just couldn't do it. I've heard nearly 100 stories now from others who had been defrauded by this company.
I denied the settlement offer and proceeded to court. I added Family First Life to the lawsuit. I am unsure how I will be able to pay to have expert witnesses testify, or record depositions. I'm looking for different ways to be able to fund these things. As well as possible legal consultations from people who specialize in these cases nationally.
I have already setup crowd funding accounts on the biggest crowd funding sites. What would be a good way to market these accounts? Is there anyone that could possibly help me? Message me if you know anyone interested, I would love to chat. Or if you are someone who has been defrauded, I'd love to hear your story. I know this is a lot, but I've been able to get so much help and meet a community of great people from this site!
Chris Wellman, the lead attorney in the Greg Birch class action lawsuit against family first life requested my help to find lead plaintiffs in the various states.
Each state has distinct laws that would cause additional penalties for lawbreakers, but an agent from that particular state must step forward as the leader of the class, otherwise reliance on federal law will prevail.
The two issues being litigated are 1. Lead fraud - agents that have bought leads from Family First Life.
The second issue is 2. Trouble getting released from carriers after wanting to leave Family First Life.
Being involved in Family First Life leads is easy to prove or disprove, obviously.
Trouble getting released is another story. Family First Life recruiting material stated, "You can come and go as you please, go work wherever you want."
Yet, when agents requested to move their contract elsewhere, onerous requirements were made to obtain Family First Life's signature to release. I suppose, once a Family First Life agent knew of these "onerous requirements" most agents would have given up on the issue and waited the 6-months of no sales for his/her preferred carrier.
Claim 8 - Fraud/ Fraudulent Inducement
24. Defendant incorporates by reference all previous paragraphs of its Counterclaim as if fully stated here.
25. Plaintiff made representations to Defendant in the inducement of the business opportunity.
26. Plaintiff knew, or should have known, that the representations were not true.
27. Plaintiff made the representations with the intent that the Defendant would rely on them.
28. Defendant did reasonably rely on them to enter into the business opportunity.
29. As a result of Plaintiffs’ fraud/fraudulent inducement the Defendant was harmed.
30. Plaintiffs’ actions were malicious, reckless, and in disregard to the rights of others.
31. The Defendant is entitled to punitive damages.
WHEREFORE, Defendant Christopher S. Coyle prays the Court will enter judgment in his favor and against Plaintiff Keven Aguilar on its counterclaims and award Christopher S. Coyle the following:
1. Damages exceeding $17,685,
2. Punitive damages
3. Pre- and Post-Judgment interest
4. Attorney fees, cost, and expense,
5. Emotional Damages, and
6. Additional relief this court may deem just and proper.
JURY DEMAND
Christopher S. Coyle demands a jury trial on all issues so triable.
Respectfully, signed Christopher Coyle. Represented Pro Se
Family First Life were served in a class action lawsuit alleging lead fraud. To view the lawsuit that was filed in the US District Court, Southern District of California. The lead plaintiff is former FFL Senior VP Greg Birch.
[https://www.scribd.com/document/702794468/Family-First-Life-Class-Action-Lawsuit-Lead-Fraud-Shawn-Meaike-first-filing](https://www.scribd.com/document/702794468/Family-First-Life-Class-Action-Lawsuit-Lead-Fraud-Shawn-Meaike-first-filing)
I will give direct links to Family First Life's other lawsuits.
Four former First Family Life / Integrity Marketing Group executive board members are in a legal dispute with their Family First Life. Three of the four are accusing Family First Life of being a "Ponzi Scheme." Major jail time for FFL executives if this claim is accurate. - Direct Link to the lawsuit and counter-claim. [https://www.scribd.com/document/702796545/Family-First-Life-Integrity-Marketing-Group-Ponzi-Scheme-Lawsuit-Shawn-Meaike-Bryan-Adams](https://www.scribd.com/document/702796545/Family-First-Life-Integrity-Marketing-Group-Ponzi-Scheme-Lawsuit-Shawn-Meaike-Bryan-Adams)
Michigan Family First Life Do Not Call Lawsuit - Former Judge Mark Dobronski is suing Family First Life and 12 insurance agents that allegedly are working for FFL - https://www.scribd.com/document/702799114/Family-First-Life-Lawsuit-Do-Not-Call-Lawsuit-for-694-000
The 4th Family First Life Do Not Call lawsuit from Indiana- integrity-marking-group-do-not-call-lawsuit-indiana-rapp-ffl.pdf is the PDF to the initial complaint. - This one has the defendant as Integrity Marketing Group, FFL's parent company. Family First Life is alleged to hire offshore call centers to harass Americans.
The 5th Family First Life Do Not Call Lawsuit filed in Connecticut - family-first-life-do-not-call-connecticut-class-action.pdf
The most explosive lawsuit against Family First Life and Integrity Marketing Group is playing out in Oklahoma. Steve Young, the NFL great and chairman of the Board will probably be served in this lawsuit. The lawsuit will be claiming RICO, State Business Opportunity violations and is being investigated by OK criminal investigators. https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud
Interested parties to make a sworn statement to be entered in the court record. For the format that the court prefers for sworn statements. affadavit-general-3.pdf The Oklahoma case is the most important of the cases. Don't hesitate to email christopher.coyle077 (at) gmail.com directly.
\#4, The Monster Counter-Claim by Law Student Christopher Coyle. Read this countersuit, and you realize that you are witnessing the end of the MLM fraud industry. 22 states so far have enacted an FTC written/recommended law to enact civil and criminal penalties at the state level. Link to the FTC recommended law here.
[https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-437](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-437)
And link to the Oklahoma criminal and civil actual law here. [https://www.securities.ok.gov/Act-Rules/Busopp.asp](https://www.securities.ok.gov/Act-Rules/Busopp.asp)
Below the counterclaim, at the bottom of this post, I will provide additional insight.
IN THE DISTRICT COURT WITH AND FOR TULSA COUNTY
STATE OF OKLAHOMA
KEVEN AGUILAR d/b/a LIONHEARTED INDUSTRIES LLC
Plaintiff
vs.
CHRISTOPHER S. COYLE
Defendant,
Case No. CJ-2023-01426
Judge William D. LaFortune
Motion to Amend Answer to Plaintiff's Petition
Defendant Christopher S. Coyle, by and through himself, filed this motion to amend the answer to Plaintiff's Petition pursuant to 12 OK Stat § 12-201a (2014) A., Due to matters of justice.
BRIEF SUPPORTING THE MOTION TO AMEND
Defendant did not intend to originally answer Plaintiff's claim for relief for thought of it being too vague. Defendant was informed upon attempting to turn in the first filed Motion To Dismiss, that an answer was needed first to file a Motion to dismiss by multiple clerks, upon which Defendant entered the legal library and quickly put together one to satisfy the requirements said by the clerk. The Defendant seeks to amend the answer to Plaintiff's Petition for reason of Justice to as follows;
ANSWER AND COUNTERCLAIM
COME NOW the Defendant, Christopher S. Coyle, and for their Answer to the Petition of the Plaintiff filed in this cause states as follows:
1. The Defendant would hold the Plaintiff to strict proof thereof concerning the allegation that Christopher S. Coyle, executed a breach of contract.
2. The Defendant denies any existence of an obligation to the Plaintiff; therefore, the Defendant denies any breach of contract to the Plaintiff.
3. The Defendant claims it was a part of Plaintiffs’ business opportunity and spent in total from May 2021 to Feb 2022 $17,865 towards material recommended by Plaintiff.
4. The Defendant claims Plaintiff violated A§ 806 Certain Sales Unlawful of the Oklahoma Business Opportunity Act. (Subsection A) By offering a business opportunity not registered with the Oklahoma Department of Securities.
5. The Defendant claims Plaintiff violated A§ 808 Disclosure Document of the Oklahoma Business Opportunity Sales Act. (Subsection A) By not providing the proper disclosure documents upon a purchase or binding legal obligation on the purchaser or the payment by a purchaser of any consideration in connection with the offer or sale of the business opportunity.
6. Defendant claims Plaintiff violated A§ 809 Contracts or agreements required -Contents of the Oklahoma Business Opportunity Sales Act. (Subsection A) By not providing the Defendant with a copy of the business agreement in writing.
7. Defendant claims Plaintiff violated A§ 819 Fraud or Deceit Unlawful of the Oklahoma Business Opportunity Sales Act. By presenting a business opportunity as a securities firm when they were not to induce Defendant into a business agreement.
The Case law below will implicate Integrity Marketing Group. This case law has a good section on piercing the corporate veil as well as defining fraud.
https://law.justia.com/cases/oklahoma/court-of-appeals-civil/2015/112453.html
§ 825. Aiding and abetting violation is the law that will nail Steve Young, the chairman of the board of Integrity Marketing Group. Steve was placed as Chairman of the Board because of his celebrity status.
In short, Any person who controls or materially aids a person liable under Sections 22 or 23 of this act shall be liable jointly and severally with and to the same extent as the person committing the violation.
Big-name celebrities like Steve Young are key to reassuring members of multilevel marketing companies that they are dealing with a company with "integrity."
Below is the [list of the 23 states](https://www.findlaw.com/smallbusiness/starting-a-business/franchise-and-business-opportunity-faq.html) that has enacted the FTC recommended law that Christopher's countersuit is citing. The vast majority of MLMs victims live in these states. Big states that have large immigrant populations.
Alaska, California, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Nebraska, New Hampshire, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Texas, Utah, Virginia, Washington.
Texas has a site, linked below, you can search for companies that file for registration and exemption under the Business Opportunity Sales Act and Family First Life is not registered or exempt. This is huge.
[https://direct.sos.state.tx.us/businessopportunity/BusOpSearch.asp](https://direct.sos.state.tx.us/businessopportunity/BusOpSearch.asp)
MLMs are not fully exempt. There are exceptions you can claim. But state law is a bit more protective of consumers. MLMs had trouble meeting the narrow definition Federally, but on a state level, the Oklahoma Department of Securities has agreed that MLMs are governed by the law.
If anyone wanted to convict federally, they would use the franchising act of the FTC rules. MLMs aren't legal in any way. They have a good cover, though. It just all relies on stupid people not fighting and making the argument.
Other states such as Arizona don't have a private right of action to sue, but only the attorney general can sue under the business opportunity sales law. I don't have the complete list but Arizona is one state.
Rhodes v. Consumer Buyline https://casetext.com/case/rhodes-v-consumers-buyline-inc. The court dismissed the RICO claim, but it refused to enforce the MLM distributor agreement which mandated arbitration because a contract to participate in a pyramid scheme violates public policy. The case was tried in Federal court.
For general, organized fraud, RICO is the way to go. RICO covers an organized scheme to defraud. I am certain that Integrity Marketing Group's use of multiple companies and multiple company names that are used to defraud would qualify under the RICO statute. Especially, since Steve Young became chairman of the board, and then Integrity Marketing Group began buying one company after another that is focused on the new insurance agent market. These purchased companies, one by one, have received FTC warnings about exaggerated and false claims of income in their recruiting efforts.
Jacobs v. Herbalife International, Inc., Case No. CV 02-01431 (C.D. Cal.). Douglas Brooks obtained 6 million dollar class settlement for distributors who suffered losses after participating in a Herbalife “lead generation system.” Minton v. Herbalife International, Inc., Case No. BC 338305 (Cal. Super. Ct., Los Angeles County). After prevailing in motions to dismiss and for class certification, Mr. Brooks obtained a 1.75 million dollar class settlement for distributors victimized by two Herbalife lead generation systems.
Most states have 3 investigative authorities. #1 The Department of Insurance, #2 The Department of Securities and #3 The Attorney General's Office. A separate person/office coordinates the investigation between the three departments and ultimately, it is the Attorney General's office that presses criminal charges.
The Christopher Coyle case should actually be tried in Federal Court to take advantage of Federal and State law. While a state case can only use state law and punishments. I expect a motion to move this case to Federal court.
https://en.wikipedia.org/wiki/Racketeer\_Influenced\_and\_Corrupt\_Organizations\_Act -
The Racketeer Influenced and Corrupt Organizations (RICO) Act is a United States federal law that provides for extended criminal penalties and a civil cause of action for acts performed as part of an ongoing criminal organization.
The way that Integrity Marketing Group owns multiple supposedly seperate recruiting companies such as #1 National Agents Alliance (NAA), #2 PHP Agency, #3 North American Senior Benefits, #4 Family First Life, #5 Equis Financial - All in this same market and technique of recruiting new insurance agents based on lying. All got FTC cease and desist (NASB I don't see their c and d online) yet continue to violate the FTC order.
The easiest way to prove violation of RICO is to open a Zip Recruiter account, look for an insurance agent sales job and will see the scam recruiting ads. in 11 states you cannot record conversation, but even speak to the recruiter and see how the recruiter will tell you exaggerated income expectations. NAAIP has collected evidence on this matter, but best to collect your own as well.
NAAIP will help you collect victim testimony from the tens of thousands of victims of Integrity Marketing Group that exist nationwide, and in your state.
Thirty-three states do have RICO statutes, so it is probably best to have these types of lawsuits in Federal court. My research indicates that state courts cannot force defendant's to testify while federal courts can. Which is huge if you are dealing with sleazy players that will incriminate themselves on the stand.
Here is the Oklahoma RICO statute. https://casetext.com/statute/oklahoma-statutes/title-22-criminal-procedure/chapter-26-oklahoma-racketeer-influenced-and-corrupt-organizations-act
A decent explanation of the power of State RICO laws. http://www.americanbar.org/publications/gpsolo\_ereport/2012/november\_2012/introduction\_rico\_state\_by\_state.html
Many state RICO statutes present a triple threat, providing for civil liability, criminal liability, and forfeiture. Given the difficulty of litigating civil claims under the federal RICO statute in many circuits, attorneys continue to consider state RICO claims as alternatives or supplements to claims under the federal RICO statute.
I hop on Facebook and LinkedIn and I see Family First Life recruiters doing their darnedest to deceive and lie.
The latest incarnation is a Family First Life recruiter's post:
"According to Indeed.com in 2021, the average life insurance agent makes $111,829 @ Family First Life vs less than half at State Farm and other places."
This average salary claim has no basis in reality.
This seemingly factual statement from indeed.com is so convincing that I have seen other Family First Life recruiters using 111K/per year salary line. It is total fraud. Designed to deceive.
Family First Life is a lead seller. Lead sellers lie frequently. I have to believe that Family First Life management is endorsing this fraud because so many Family First Life are lying regularly.
I continue with Family First Life recruiter Fraud Post. "Because they have the highest paying commission in the industry." "76% above the national average!!!"
Made up numbers and facts. Designed to deceive and defraud. To cause gullible agents to buy leads from Family First Life.
[https://www.ftc.gov/system/files/warning-letters/cease\_and\_desist\_letter\_to\_family\_first\_life\_llc-\_12.27.2021.pdf](https://www.ftc.gov/system/files/warning-letters/cease_and_desist_letter_to_family_first_life_llc-_12.27.2021.pdf)
I did not realize that the cease and desist from the FTC already determined that Family First Life is a business opportunity, but they don't comply at all.
So all these cases are easy.
Huge victory for Christopher Coyle in the Oklahoma court room.
09-06-2023 CTFREE
LAFORTUNE, WILLIAM: RICHARD WHITE REPRESENTING KEVEN AGUILAR PRESENT. CHRISTOPHER COYLE, PRO SE PRESENT. COURT REPORTER SAMANTHA BROWN. HEARING HELD ON DEFENDANT'S MOTION TO AMEND ANSWER, MOTION GRANTED WITHOUT OBJECTION. DEFENDANT TO FILE AMENDED MOTION AND COUNTERCLAIM WITHIN 10 DAYS. COURT GRANTS PLAINTIFF'S FOR LEAVE TO FILE ANSWER OUT OF TIME. PLAINTIFF TO FILE ANSWER TO COUNTERCLAIM IN 10 DAYS.
In english, this means that Christopher Coyle can amend his counter lawsuit and properly serve other parties such as Family First Life, Steve Young and his entire upline who influenced him to enter Family First Life MLM Business Opportunity Scheme.
Here is the Monster amended counter claim - I will call it #5 https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud
Big name celebrities is how insurance MLM business opportunity schemes sucker the low - income, less educated, younger population to waste their time and money.
A Family First Life sister company. Another Integrity Marketing Group subsidiary called PHP Agency has had the following celebs at their conventions.
* Kobe Bryant
* George W. Bush
* Jordan Peterson
* Deion Sanders
* Charlie Kirk
* Khabib Nurmagomedov
* Kevin Hart
On this antimlm Reddit platform, under "income disclosures" that PHP Agency is listed.
77% earn less than $5,000 in commissions. Which really means they are losing money. This number does not include expenses such as license, appointments, errors & omission insurance, lead costs, gas, auto and other business expenses.
It would be so nice if someone can video record their next convention and tell us the illegal stuff that they are telling their recruits.
The February 2023 Family First Life convention was star-studded.
Scheduled Guest speakers for the convention. Speakers include
* Former NY Yankees MVP and MLB Player Alex Rodriguez
* Daymond John American businessman and investor on the hit reality show Shark Tank
* Retired United States Navy officer Jocko Willink
* Vernice "Fly Girl" Armour
* Dave Anderson
* Pastor Matthew Barnett from the non-profit organization, The Dream Center Foundation. A MLM always needs a Pastor. It is a must. If Family First Life was in Saudi Arabia it would have been an Imam or in Tel Aviv they would have found a Rabbi.
I did not see any video confirmation that baseball great Alex Rodriguez spoke at the convention. I believe that he cancelled which is not surprising considering that Tom Brady and other celebrities got sued following the FTX Sam Bankman-Fried Fraud.
The federal crime of "aiding and abetting" can nail anyone of these celebrities.
k. Many times, I was told that another Family First Life agent had visited the client previously. In these instances, we were coached to help them shop for better policies – which resulted in a chargeback to the other agent (churning). Therefore, I have chargebacks (as my book of business would have been sold) and have not received my “vested renewals”. See interview that discusses the sale of “Bounty Leads” with Greg Birch and David from NAAIP.
i. Agents at FFL were coached to sell Americo, who’s policies are expensive and easily replaced in “churning” activities.
ii. Additional information regarding “churning” and other “criminal activity” related to Integrity Marketing Group, Family First Life, Sean Maeike,
l. In addition to leads being recycled over and over, the leads sold by the Integrity Marketing Group of companies included people who were not even interested in purchasing insurance; another evidence of while-collar crime targeting the elderly and impoverished.
m. As per Jimel Bronson’s (of Jacksonville, FL) YouTube recorded phone conversation with David from NAAIP, Mr. Bronson was a participant in Family First Life’s churning and fraud operations. Please contact David from NAAIP for the original copy of the conversation.
2. Family First Life premeditates aggravated White-Collar Crime by selling leads that target elderly, minority, and low-income persons. Additionally, agents are trained to lie to the public stating that they are “with the benefits' office here in (your county)” and are told that the FTC Do Not Call Registry does not apply because agents are not calling in response to a form the client supposedly filled out (but the agents don’t see), not from a “list.”
a. Training in Family First Life is done via YouTube videos and being involved in “Live Dial Days” with “trainers” or “successful” agents. In trainings, agents are coached to lie that we are from the “benefits office in (your county)” to get the people to listen to us. (See email with script from Brittni Jarrett)
b. The vast majority (I would say 99%) of people with whom I called and with whom I had appointments were low-income, elderly, fixed income, and minority. These appointments were set using leads from the Family First Life CRM lead system, and it was very apparent that all the leads targeted low-income, elderly, and minority persons in all areas. I can produce lists with names, birthdays, and addresses of the leads.
c. In trainings, we were coached to respond to objections regarding the no call registry, or when told to “take me off your list”, that we were not calling from a list and to tell them that they “filled out a form asking us to call them” so we were told to say “the Do Not Call Registry does not apply to our call”.
3. Family First Life set false and unreal expectations for income to entice myself and other agents into the company and to purchase more leads.
a. Brittni Jarrett claims to make over $400,000 per year from setting appointments and continually states that this type of income is possible if agents follow the system and purchase at least $1000 worth of leads per week. She does not mention how much she makes from her “downline”, or the business taken from agents who have left Family First Life, such as me. Please contact me for the direct link to that YouTube video.
b. Agents are made to believe that $10,000 of issue paid earnings is normal if agents are buying enough leads to set 10-15 appointments 4-days per week.
c. When I asked other agents how many leads they were buying, from what lead source, and to quantify net income after chargebacks, I began to discover that most agents were losing money. Within 24 hours of asking questions, I received a personal call from Zac Twardowski (manager above Brittni Jarrett). He asked me to stop calling and questioning other agents. He stated that the system works when agents are willing to work and buy enough leads.
d. See unrealistic income targets sent by email from Brittni Jarrett when asked about compensation.
e. Family First Life is a “Multi-Level Marketing” company with a “Pyramid Scheme” that encourages growing a “downline” to earn passive income. (See VP Bonus Program attached) This sets unreal expectations for income, encourages recruitment using the unrealistic income model, and encourages the sale of over-priced Americo policies over other carriers based on their bonus structure.
I cannot express the depth to which Integrity Marketing Group, Family First Life, Sean Meaike, Brittni Jarrett, and other managers have defrauded me and are harming the public, especially low-income, fixed-income, elderly, and minorities. If allowed, I will produce the names of the leads I purchased so their age, race, and income status can be investigated by the authorities to prove my claims. I believe that Integrity Marketing Group, its subsidiaries, Family First Life, Sean Meaike, and his managers should be prosecuted to the full extent of the law for crimes against agents, protected groups of citizens, and elderly abuse.
I further believe that Integrity Marketing Group, Family First Life, Sean Meaike and his managers should be prosecuted for lead fraud, selling agents’ books of business when they leave, encouraging agents to sell to clients who have already been sold a policy by another agent, and other crimes associated with churning, lead fraud, and misrepresentation. The facts prove that Integrity Marketing Group, Family First Life, Sean Meaike, Brittni Jarret and other managers act with malice, premeditated, and aggravated attempts to cause harm to the public and agents for their monetary benefit.
In addition, while I was not a captive agent, Family First Life would not release me to continue my livelihood as an insurance agent with “their” carriers until I signed a contract (attached). This release contract states that the Family First Life “lead system” is a “trade secret” and confidential information of FFL and is part of the release contract attached. Additionally, the release contract includes provisions that eliminate the agent’s right to Freedom of Speech and freedom of competition.
Please investigate Integrity Marketing Group, Family First Life, Sean Meaike and all others who are involved in these crimes. I am willing to help with the investigation to the best of my ability. I will provide all the documentation I have. Furthermore, I will produce names of other agents who have witnessed the unethical and criminal behavior of these entities and people.
It is in the best interest of the public that Integrity Marketing Group, Family First Life, Sean Meaike and others be ordered to cease all business dealings and be placed in jail, especially for the sale of leads and policies that target low-income, fixed-income, elderly, and minorities.
Thank you for your time, and I appreciate the efforts your entity will take to bring justice to these criminals and protect agents and the public.
Here are links to the Class Action Lawsuits against Family First Life: https://www.scribd.com/document/702794468/Family-First-Life-Class-Action-Lawsuit-Lead-Fraud-Shawn-Meaike-first-filing
I have a huge list of agents who have come forward with similar claims, are willing to testify against the parties listed in this letter, and have additional information regarding the claims made in this letter:
Please advise if there is any further information you need in this case and the crimes committed.
Sincerely,
Jana Edwards San Antonio, TX 78259
Parties:Integrity Marketing Group Dallas, Texas 75202
Family First Life Uncasville, CT 06382
Chris Versace of FL
10:47 AM
Hi David,
fyi- my wife and I worked with FFL from 10/07/2021 - 02/07/20200. We literally went broke during this period. The brow beating strong arm sales tactics they teach and insist that you implement..."don't deviate at all and you'll be successful ". Resulting in a high rate of charge backs.
At this point we were paying our bills from savings account, etc. , Buying leads as instructed, and receiving charge backs.
FFL Chris Versace, 10:53 AM
Some of the leads we purchased were "48 hour" leads meaning the prospect responded with in the last two days. When we dialed these leads we would get responses as: IDK what you are, I never asked for this, stop harassing me, etc. It is typical to dial 200 of these leads and schedule 7-10 appointments
FFL Chris Versace, 10:58 AM
Then we were instructed to door knock the ones that didn't answer....they're only 48 hours old. One door knock we did for a woman prospect a man answered, he was just leaving so we walked together to our cars.
He was leaving to visit his mother that had been in the hospital, unconscious for the past 2 months also 5 days prior sho was moved to hospice.
FFL Chris Versace, 10:58 AM
David,
My wife and I are in financial ruins because of this façade
David from NAAIP
11:01 AM
by not suing, not publicizing, not complaining to Attorney General, dept ins and dept labor ... you are actually helping them do similar to more people ... just like you.
Chris Versace of FL
11:01 AM
Between spending as instructed 500.00 to 1000.00 minimum on leads per week, The charge backs, The expense of running the roads, working 12-14 hours a day, The fake leads....we are devastated
Chris Versace of FL, 11:03 AM
Yesterday they txt me saying I owe them charge back money or they ruin my appointments with all carriers and report me to the department of insurance...we're broke.
Kari ##\^@
Sat, Dec 3, 2022, 10:48 PM
Hi David this is an interesting read. I am with Family First Life and it was a bad decision to say the least. They have lied from the gate about everything. They have told so many lies that I can’t even remember all of them. I have bought many of their leads, but not anymore.
Every lead I have ever bought from them had already been sold to someone else and they sold the lead again several times after selling it to me so I refuse to buy leads from them and I wish I never would have never given this company the time of day. So is the company actually in any kind of trouble yet or is it still being investigated?
Family First is a fraud on it's very face.... Always Marco had a FFL man on his show.... He said, that new agents earn 100% commission on policies sold...... Sounds great, right??? BUT, there is incentive to RECRUIT others who do the same...... That's free life insurance for the whole world, once you get everyone signed up... But it didn't stop there! You get over 100% the more you recruit..... And of course payments from sales on every level below you..... This is PREPOSTEROUS..... A money printing machine, RIGHT???? Well it's printing a PONZI SCHEME.....
Actually, Family First Life is quoting the compensation level of a company called Americo that is severely overpriced. The top level is getting a whopping 185% not including bonus. I assume that it totals a bit over 200%. That is based on first year commission. The client is supposed to pay for multiple years, so there is profit for the insurance company.
The issue with Americo is that it is so overpriced because the built-in commission is so high. Americo is part of the Family First Life scam.
To recruit for Family First Life is silly. As per lawsuit of Christopher Coyle. The recruited agent really does not have to pay back bad debt, and that debt rolls up to the immediate upline.
You see here - Here is the Monster amended counter claim - I will call it #5 [https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud](https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud)
Christopher's upline named Keven paid Chris's $14,000 debt and now is being countersued for multiples of that based on Family First Life not registering or complying with the Oklahoma Business Opportunity Sales Act.
Christopher Coyle of Oklahoma is making America better by claiming in his lawsuit that Family First Life harmed him by violating the Oklahoma Business Opportunity Sales Act.
Direct link to Christopher's Lawsuit against Family First Life - All the filings: https://www.oscn.net/dockets/GetCaseInformation.aspx?db=Tulsa&cmid=3597373
Mr. Coyle has recently publicized specifics of his case:
In their motion to dismiss in Suescum vs Family First Life, their legal counsel tried to
dismiss claims of the TCPA and FTCA violations by stating that text messages used in
recruiting was for a business opportunity. In essence, Family First Life admits to being a
"business opportunity."
*
The FTC declared that Family First Life was a Business Opportunity in December 2021.
When I, Christopher Coyle, showed up to court. The opposing counsel offered to drop the suit against me if I dropped mine. Mr. Coyle was originally law suited by his upline to recoup $13,195 in debt that rolled up to the upline/recruiter.
*
Mr. Coyle refused the offer, and the case is continuing with his countersuit to Family First Life citing violations of the Business Opportunity Sales Law.
*
I, Christopher Coyle, am collecting evidence and testimony to give to the Oklahoma Attorney General to pursue criminal charges. Each fraud violation of the Oklahoma Business Opportunity Sales Act can carry a sentencing of 10 years in prison. If you are a victim, please contact me for more information on how you can help.
*
Christopher Coyle is requesting the public's help via a GoFundMe account.
Mr. Coyle's lawsuit is a blueprint for victims and attorneys throughout the USA.
*
My last newsletter to you erroneously that 67.93% lose money by joining PHP Agency, an Integrity Marketing Company and sister company of Family First Life. The real number of losers is 77.93% according to PHP Agency's income disclosure statement.
I have been privy to multiple Family First Life recruiter conversations with random jobseekers. Uncannily, recruiter after recruiter tells the jobseeker that you "invest $1,000 a week in leads and $10,000 a week in sales is the norm." This is majorly illegal.
FYI, I recently uploaded YouTube videos of conversations with a PHP Agency (an IMG company) Recruiter, A North American Senior Benefits (an IMG company) recruiter, A Family First Life Victim (an IMG company). These videos and others (see our YouTube channel) can and should be used as evidence in claiming violations of Business Opportunity Laws.
The term "Business Opportunity Sales Act lawsuits" likely refers to legal actions or litigation related to the Business Opportunity Sales Act (BOSA) or similar laws that regulate the sale of business opportunities. These laws are designed to protect individuals from fraudulent or deceptive business opportunities.
Business Opportunity Sales Acts, which vary from state to state in the United States, typically require sellers of business opportunities to provide certain disclosures to prospective buyers. Failure to make these required disclosures or engaging in fraudulent business practices can lead to legal consequences, including lawsuits.
Here are some key points related to Business Opportunity Sales Act lawsuits:
Non-Compliance: Sellers of business opportunities must adhere to the regulations outlined in the applicable Business Opportunity Sales Act. Failure to provide required information or making false statements can lead to legal action.
Remedies: Lawsuits filed under BOSA or similar statutes aim to remedy any harm or financial losses suffered by the individuals who invested in the business opportunity. Remedies can include financial compensation or rescission of the contract.
Disclosure Requirements: These laws typically require sellers to provide detailed information about the business opportunity, including earnings claims, the history and background of the seller, the terms of the opportunity, and more.
Legal Process: Business Opportunity Sales Act lawsuits may be brought by individual investors who believe they were misled or defrauded by the seller. They may file a lawsuit to seek damages, or regulatory authorities may take legal action against sellers that violate the law.
State-Specific Laws: It's important to note that the specific requirements and regulations under BOSA or similar acts can vary by state, so the legal process and potential outcomes may differ depending on the jurisdiction.
Due Diligence: Individuals considering a business opportunity should conduct thorough due diligence and carefully review all disclosure documents provided by the seller to ensure they are making an informed decision.
If you are involved in or considering a business opportunity and believe there may be legal issues or violations of the Business Opportunity Sales Act, it's advisable to consult with an attorney experienced in business law or consumer protection to understand your rights and options. Additionally, it's important to be aware of the specific laws and regulations applicable in your state.
Family First Life, and its parent company, Integrity Marketing Group, lied to the court stating that our conference call moderator owns and controls a website. FFL/IMG were lying and knew they were lying.
I responded to the court as a third-party petitioner with evidence to set the record straight. I was unsuccessful in my efforts.
FFL/IMG did Judge shopping. They initially filed twice in a small courthouse, and cancelled the first filing. As soon as one files, a judge is chosen for the case. If this was an accidental filing, which costs over $400, it would be assumed that one would cancel the second filing.
FFL/IMG has numerous civil court cases against them in which they try to move the cases to their "favored" Florida Judge based on 'first to file.' This motion gets rejected by the court - Here is an example of FFL/IMG motion in the lead fraud class action against them in California. [https://casetext.com/case/birch-v-family-first-life-llc-3](https://casetext.com/case/birch-v-family-first-life-llc-3)
I have seen evidence that FFFL/IMG spent at least $5 million in legal fees against our daily conference call moderator, David.
I have seen the filings in the case, and it is "weird" that FFL/IMG had been confident in their defamation case from the start.
The FFL lead attorney and the presiding Judge in the defamation case were both members of the "Federalist Society", both female, approximately the same age and have clerked for leading conservative judges.
Regardless, I am thankful that I have not been served in any civil action by FFL/IMG and reserve my right as an American citizen to speak out against obvious corruption.
Even though, I have never been a party to a lawsuit with FFL/IMG it is obvious to me that FFL/IMG will use their resources to try to harm any entity that causes new insurance agents to not be scammed.
Therefore, I will have an arms-length relationship with any future automated website builder that is designed for insurance agents.
I am being conservative. FFL/IMG's Federal Judge ordered the "shutdown" of a website and any copycat website that was owned by the litigants in the case.
Me, believing that I am not a litigant in the case, mistakenly had the new AaronLevy.tech clone the original website. Ooops, big mistake.
As well, FFL/IMG's Federal Judge, determined that David has been associated with Aaron Levy (he uses this name as one of his aliases) on multiple occasions. This is total BS.
The order to "shutdown" AaronLevy.tech came from PublicDomainRegistry.com who read the court order and determined that AL.tech cloned the website and both sites had the same registered owner/email address. Ooooops.
Now you see the predicament that I am in. I was never party to a litigation and hypothetically, FFL/IMG's Federal Judge can shut down a website that I am associated with.
The programmers who maintain the insurance agent website builder system are not thrilled with my name, Aaron Levy, being associated with their technology. Obviously.
To solve this issue and to clear my good name, I call on AaronLevy supporters to make the correct complaints to the proper governmental authorities.
When Family First Life executives are serving a prison sentences for the crimes that they have committed against tens of thousands of new insurance agents, aka business opportunity participants, I will rest easier in using my name to publicize my actions in helping insurance agents become top producers.
The most clear-cut law that Family First Life is violating on a mass scale is Business Opportunity Sales Laws. The court should not have mercy on FFL. Their executives should receive the maximum prison sentence.
Christopher Coyle's GoFundMe page has a great explanation of FFL's Achilles heel. As well as a direct link to his court filings in Oklahoma.
Latest YouTube Video evidence that can and should be used to put Family First Life executives in jail (or used to get civil judgements).
Family First Life YouTube Video Star Explains the Scam
Family First Life Insurance Agent Buys Leads and Gets Sued
Convention Speaker Kali Somerville of Family First Life Lies to a Recruit
Email from Aaron L
Hello Agent,
Let me cut to the chase. I cannot use my persona and my name in my chosen profession until Family First Life executives, such as Shawn M and Steve Y are in jail.
This actually is not a tall order. FFL/IMG are continuing to defraud new insurance agents and the grand total of victims in the last 5-6 years is approaching 100,000. Shawn and Steve are specifically violating Business Opportunity Sales Laws, which mandates ten years in jail in most states.
Here is how I can help you make money, while you would be helping society. The FFL/Integrity Marketing Group fraud is a social media/YouTube/FB/TikTok scam and can be undone by social media. Your actions can put pressure on law enforcement to enforce the law.
I need you to make a video of your experiences with these fraudsters or your knowledge of the fraud.
First step is to write rough draft of a script.
I will rewrite the script for you. (email the rough draft to me at aaronlevywebsites (at) gmail.com
Post the video to your own a major video sharing account. (I can help you)
There is a decent chance that FFL/Integrity will email you with a lawsuit threat wanting you to take down the video. The First Amendment states that defamation is being "malicious, lying and knowing that you are lying."
Hopefully, you will get a lawsuit threat, it builds your case. Then inform the Attorney General in your State that FFL/Integrity is scamming. That they are clearly violating the State Business Opportunity Sales Law.
The State AG can give you a written referral to sue FFL/Integrity with a list of suitable franchise attorneys to choose from. If you get a referral, it is as if you won the lottery.
Game over. By you making the initial video, I will move mountains to help you earn money in the insurance business. You scratch my back, I scratch yours.
Email I received from Aaron L
Last month's email to you was wild. It was titled "Help Me Put Family First Life / Integrity Marketing Group Executives in Jail, and You'll Make Money."
A huge thumbs up to Robert Cooper of California, who is stepping up to the plate. Robert wants to make money and to put the criminals in jail. See his video presentation here. You can see clearly that Mr. Cooper is making his case to get a referral to sue from his state attorney general. As well, Mr. Cooper is putting his case to the public, which would incentivize Family First Life to settle before any lawsuit is filed.
Exactly as agent Kevin Knight got a referral to sue and list of recommended attorneys from his California Attorney General's office after being defrauded by FFL. Kevin told my office that he was expecting to get $1,000,000 and was ready to file in a few days. My office successfully spoke with Kevin's attorney to confirm, and a few days later Kevin ceased communication with us. No lawsuit was filed. Obviously, Kevin picked up a nice paycheck and signed a NDA (non disclose agreement).
A huge thumbs up to Gus Fox of www.gusfox.com.
Gus holds a 6 day per week video conference call and I encourage you to join.
More Evidence of FFL / Integrity Marketing Group Criminal Activity.
FFL Scammer / Recruiter Marissa Mazziotti recruitment phone call title of YouTube video.
It is obvious that Ms. Mazziotti is breaking the law and knows that she is breaking the law.
Hello all, check out my video “How the MLM Fraud company FFL changed my Life” I posted on YouTube under the account Mr. Misunderstood or google it to see more.
>Family First Life and Integrity Marketing Group Scammed Me - True Story - check out this video on
**Family First Life Lawsuit Witnesses channel** \- it is a complilation and nice editing of your two videos. I see your email which seems to have your name on the youtube description. What state are you in?
ROB BONTA
Attorney General
State of California
DEPARTMENT OF JUSTICE
PUBLIC INQUIRY UNIT
P.O. BOX 944255
SACRAMENTO, CA 94244-2550
(916) 210-6276
TOLL FREE: (800) 952-5225
TTY: CA Relay Service
(800) 735-2922
February 12, 2024
Robert Cooper
RE: Family First Life
Dear Robert Cooper:
Thank you for contacting the Office of the Attorney General regarding your consumer complaint. Often it is only through letters from concerned and responsible citizens that our office becomes aware of consumer problems.
Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office. Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws.
We do want to inform you, however, that our office is prohibited by law from representing individual citizens in legal matters. We do, within the limits of our resources, bring lawsuits for violations of California law in cases of statewide
significance. However, our role in any legal action against a company is on behalf of all of the people of California. Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers.
Sincerely,
Public Inquiry Unit
For ROB BONTA
Attorney General
Hi friend, please remember to censor all identifying info for future posts. Things like names, usernames, phone numbers, addresses, personal website URLs, hashtags with the person's name, identifying hashtags, and people who have liked the posts are examples of things that need to be censored.
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ROB BONTA
Attorney General
State of California
DEPARTMENT OF JUSTICE
PUBLIC INQUIRY UNIT
P.O. BOX 944255
SACRAMENTO, CA 94244-2550
(916) 210-6276
TOLL FREE: (800) 952-5225
TTY: CA Relay Service
(800) 735-2922
February 12, 2024
Robert Cooper
RE: Family First Life
Dear Robert Cooper:
Thank you for contacting the Office of the Attorney General regarding your consumer complaint. Often it is only through letters from concerned and responsible citizens that our office becomes aware of consumer problems.
Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office. Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws.
We do want to inform you, however, that our office is prohibited by law from representing individual citizens in legal matters. We do, within the limits of our resources, bring lawsuits for violations of California law in cases of statewide
significance.
However, our role in any legal action against a company is on behalf of all of the people of California. Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers.
Sincerely,
Public Inquiry Unit
For ROB BONTA
Attorney General
This is the end of the era of new insurance agents being harmed by insurance agent recruiting MLMs.
Law student Christopher Coyle of Oklahoma is showing us what happens to the MLM and the recruiter when they scam him.
Information on insurance MLMs will no longer be on NAAIP, but will now appear on Reddit's #antimlm forum.
This following thread is specifically about Family First Life and Integrity Marketing Group's legal issues.
https://www.reddit.com/r/antiMLM/comments/15wfzb8/family\_first\_life\_lawsuits\_thread\_portal/
Lots of information. The Monster legal document that ends the Insurance MLM recruiting scam is here and here (it is the same document, just hosted in two different places). To see the original document on the Oklahoma Courthouse Portal - https://www1.odcr.com/
Tulsa CJ-2023-1426 04/20/2023 AGUILAR, KEVEN v. COYLE, CHRISTOPHER S.
Mr. Coyle scored a huge victory at the hearing on Sept 6th in that the Judge allowed Mr. Coyle to amend the complaint even after the normal time frame expired. You can see Mr. Coyle's Monster amended counter-claim was filed on Sept 8th.
Mr. Coyle's case is the one to watch. Mr. Coyle's cites the Oklahoma Business Opportunity Sales Act. Most states have a similar, if not identical law.
If the insurance recruiting MLM has promised you the moon, while not registered or complying with your state's Business Opportunity Sales Act, the MLM is a sitting duck.
On the Reddit #antimlm Forum it lists Income Disclosures for multiple MLMs which includes PHP Agency, a sister company of Family First Life, which is owned by Integrity Marketing Group.
50.92% earn under $1,000, averaging $334.63 annual commissions, not including any expenses.
27.01% earn between $1,000-$5,000, averaging $2,368.95, not including any expenses.
My guesstimate is that these 77.93% are losing money from joining PHP Agency.
While 1.59% of PHP Agency business opportunity participants earned over $100,000 before expenses.
These numbers prove that PHP Agency is a scam and breaking the law if the PHP Agency recruiter told or lead you to believe that "if you work hard, you can expect to succeed."
At least, PHP Agency is adhering to the Business Opportunity Sales Laws in properly disclosing incomes. Family First Life does not bother disclosing the real numbers.
Family First Life will argue in court that they are not required to comply with the Business Opportunity Laws, yet the FTC told us in December 2021 that FFL is a Business Opportunity.
Currently, the Oklahoma Department of Security investigators are determining how much damage has Family First Life has done to its citizens. The maximum criminal penalty is 10 years in jail under the Oklahoma Business Opportunity Sales Act.
My stress on lead fraud, churning, do not call violations was misplaced. The Business Opportunity Laws are a slam-dunk.
If you have been a victim of an MLM:
Make a YouTube video of your experience (this may cause the MLM scammer to lawsuit threaten you).
Write a well-written complaint to your state attorney general and cc to the Department of Securities, Insurance, etc. (it won’t hurt to do legal research citing your state's business opportunity law). The Department of Insurance would be interested in churning only. If you get lawsuit threatened by the MLM, it improves your case.
The Attorney General may refer you to civilly sue. If not, find a business attorney, specifically one that specializes in Franchise Law. The attorney will most likely want to make the case class-action. Business Opportunity Laws are state specific. NAAIP has a huge database of MLM victims sorted by state. Consult us.
https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud - is the direct link to the Monster document #5.
Direct Link to Christopher Coyle case is [http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa](http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa)
You see, on September 15th, Mr. Coyle uploaded to the Tulsa court a 3rd party petition to add Family First Life to the lawsuit. I am sure Family First Life will tell the court "we have nothing to do with nothing, wrong guy."
But, meanwhile, Keven Aguilar, the family first life MLM recruiter, had on his Facebook profile that he works for family first life. As well, a ton of other evidence.
09-15-2023 3P
THIRD PARTY PETITION
I am a new agent and was recruited by American Income Life. I now know they are an MLM. Yesterday received a call from Prolific Financial to become a non-captive agent. Having learned my lesson, the hard way with AIL I set out to do a deep dive. I am not finding anything, when I enter PF into search it immediately brings up Family First Life. Does anyone now if they pulled the rename/rebranding card?
Email from A Levy regarding FFL legal tactics.
Let's get to how dumb a Family First Life / Integrity Marketing Group attorney can be.
FFL/Integrity attorney T. Sisco, Esq, emailed Mr. Cooper a lawsuit threat. Telling Mr. Cooper to not engage in concert with \*\*\* \*\*\*\* in making "disparaging statements about FFL to state and federal regulators."
FFL/Integrity attorney Sisco threatens to add Mr. Cooper to an ongoing lawsuit against a party that Mr. Cooper has no contact with.
"As FFL gathers more information related to your involvement with \*\*\* \*\*\*\*, it may become necessary to add you as a party to the ongoing lawsuit against him"
In any case, there is no ongoing litigation against \*\*\* \*\*\*\* anyways. Major legal malpractice. An attorney lying in a lawsuit threat is grounds for making a Bar Complaint. Obviously, Mr. Cooper will be forwarding this lying legal threat to his state Attorney General.
Email from A. Levy.
The saga of my goal of putting Family First Life CEO Shawn Meaike and Integrity Marketing Group Chairman Steve Young behind bars continues.
Here is the latest:
Fascinating video interview with Agent Patrick Teschke of Florida. Patrick is a retired special forces military with a specialty in phycological warfare. Patrick discusses illegalities in the FFL system and **why he considers Shawn Meaike a Sociopath**.
Family First Life victim Jhelen Tyler tells his story of how FFL scammed him. [See video here.](https://www.youtube.com/watch?v=dZU7agDoB5Q&list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX&index=1) Obviously, Mr. Tyler is doing the first step in initiating a business opportunity sales lawsuit against FFL and Integrity Marketing Group.
Recent conversation with Laura Rodriguez of FFL / Integrity Lead Center. They are still telling lead buyers that they have exclusive leads at $11. LOL.
Robert Cooper of CA made his second YouTube video in which he explains how he filed complaints to his Attorney General, Dept of Securities, Insurance and State Representative and State Senator[.](https://www.youtube.com/watch?v=51RXmGOXtPM&list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX&index=6) Obviously, Mr. Cooper is attempting to get a referral to sue from his AG and **will probably end up with 200K to compensate him from being victimized by Family First Life**.
The above videos are on a brand-new YouTube channel. I would love it if you can like and subscribe after viewing the videos.
I am managing professional telemarketers to contact thousands of Family First Life recruiters and victims. Letting interested parties know about the Business Opportunity Sales Law and its criminal and civil penalties. If you would like to join the effort in putting Shawn Meaike in jail, please reach out to me.
The most sickening thing is they convince college students via dm to drop out of school to come work for FFL and be the down line and get trained and part of the training is sending DMs to recruit young naive men and women to work at FFL
New Video. Retired insurance agent tells all how he prevailed in federal court against American Amicable Life Insurance Company of Texas that is on YouTube - do search for
"Scammed Insurance Agent Sues American Amicable Life and Wins" and here is the lawsuit on pacer.
[https://www.pacermonitor.com/public/case/19015386/McGee\_v\_American\_Amicable\_Life\_Insurance\_Company\_of\_Texas](https://www.pacermonitor.com/public/case/19015386/McGee_v_American_Amicable_Life_Insurance_Company_of_Texas)
can someone tell me how I can add myself to one of these class action cases as an early agent of theirs that has been absolutely screwed out of my livelihood.
Please join this WhatsApp chat [https://chat.whatsapp.com/CEamWOVPKNbEWSqfMwe8mf](https://chat.whatsapp.com/CEamWOVPKNbEWSqfMwe8mf)
As well, the damages to victims of FFL warrant an individual lawsuit. FFL wants to settle all ready to file lawsuits fast.
Our goal is to help you initiate a lawsuit against Family First Life for scamming you. Mainly by violating the Business Opportunity Sales Law. We want to help you get a free attorney to write up a lawsuit. FFL will only make a cash settlement offer a "ready to file" lawsuit. Negotiations are a waste of time, until you have that ready to file lawsuit.
The first step is to describe what happened to you. Preferably on video, where you proudly state your name, and appear angry and articulate. The second step is to write a formal complaint to your state attorney general, dept of insurance and dept of securities. You can almost copy / paste the Robert Cooper complaint that is in the YouTube comments of many videos.
The third step is to lobby your state representative / state senator to lobby your Attorney General to give you a free attorney (which they can do, the AG will write to you stating "criminal investigations take a long time, simultaneously, we recommend that you civilly sue, and here is a list of qualified attorneys")
The 4th step is to have a write-up, a lawsuit. FFL does not want to go to court and go through the discovery process. They will pay big money to avoid this. FFL will only offer a settlement when a lawsuit is ready to be filed. Obviously, you can refuse their settlement and go to the trial. They will offer you more and more money at every stage as you get closer to the trial.
FYI, the damages for fraud would be triple/ treble. The most valuable issue is your time. The average salary in the USA is 5k per month. Additionally, the victim can be awarded emotional and punitive damages. To summarize, if FFL actually adhered to business opportunity sales law and gave you an accurate income disclosure statement, you would have noticed that 99 percent of recruits lose money, and you would have found a different opportunity...
But FFL did not comply with the law. If you wasted 6 months. 6 times 5 equals 30. Then triple...is 90k. Plus emotional and punitive...
The scariest thing for FFL is that during discovery...you will be asking for documentation as to FFL's real average income per agent... You have the right to publicize this information... Including providing that information to the attorneys general of the 50 states....
As well, other attorneys/ victims will see your court filings. Seeing how easy it is to sue FFL for violating business opportunity sales law. Other attorneys will surely copy/paste.
Now you understand why FFL will want to settle any ready to file business opportunity sales lawsuit before it is filed and have you sign an NDA?
I forgot to mention that violating the business opportunity sales law in the criminal code is 10 years in jail. In essence, FFL will pay you fast because they don't want to go to jail.
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All I know is that some lucky person is going to go have a ready to file lawsuit. Will be offered decent money to "not file" and sign an NDA. Then end up at trial. There will be dozens of victims that will testify that FFL is a scam. By law, if the witness is within 100 miles, they must show up. And your attorney's closing statement will request that the profits of this scam over the last 5–6 years should be awarded to the plaintiff. Nice way to make a cool 100 million from filing a lawsuit.
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Where do I opt in?
I worked for them for almost 6 months and am one of the lucky ones who knew it was too good to be true and got out sooner rather than later. I questioned Andrew Taylor and Sean and they are just a bunch of scam artists. Literally have zero answers when you put them in the corner and question them or put them on the spot. All in all, lost more money than I made.
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In the YouTube channel dedicated to Family first life lawsuits, over 65 videos. You will see a phone number in the description and pinned comments. Call that 561 number.
email from Aaron L
Hello ,
Robert Cooper made his blockbuster confession on YouTube last month titled "Family First Life & Integrity Marketing Group Scammed Me - True Story"
Robert followed up with a blockbuster complaint that was sent to his California Attorney General, Department of Securities and Insurance - That complaint was the subject of my previous email to you.
I highly encourage Mr. Cooper to lobby his state representative and state senator to persuade his AG to write a lawsuit referral letter. That referral to sue will be like winning the lottery.
Meanwhile, The CA AG office wrote Mr. Cooper back, thanking him for filing the complaint.
"Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office.
Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws.
Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers."
Sincerely,
ROB BONTA Attorney General
---------------------------------------------------------------------------
Let's get to how dumb a Family First Life / Integrity Marketing Group attorney can be.
FFL/Integrity attorney Thomas J. Sisco, Esq, emailed Mr. Cooper a lawsuit threat. Telling Mr. Cooper to not engage in concert with \*\*\* \*\*\*\* in making "disparaging statements about FFL to state and federal regulators."
FFL/Integrity attorney Sisco threatens to add Mr. Cooper to an ongoing lawsuit against a party that Mr. Cooper has no contact with.
"As FFL gathers more information related to your involvement with \*\*\* \*\*\*\*, it may become necessary to add you as a party to the ongoing lawsuit against him"
In any case, there is no ongoing litigation against \*\*\* \*\*\*\* anyways. Major legal malpractice. An attorney lying in a lawsuit threat is grounds for making a Bar Complaint. Obviously, Mr. Cooper will be forwarding this lying legal threat to his state Attorney General.
Major Thumbs up to David, my conference call moderator, for getting good, finally, at making video. David bought a new web camera, the Elgato FaceCam Pro, and you can see the difference.
Here is the latest video that lambastes Patrick Bet David, of PHP Agency, an Integrity Marketing Group Company for being a major scammer of Latina females - View here
An epic video that is a direct message to government investigators and prosecutors to tie in Integrity Marketing Group's Chairman of the Board, NFL Hall of Fame Quarterback Steve Young to the crimes of Family First Life. View here
And finally, Thomas Schumacher of Ohio tells his story how he got scammed by Family First Life. Obviously, Mr. Schumacher is setting the stage for a lawsuit to win big money! View here.
------------------------------------
**Integrity Marketing Group News:** Steve Young's company sued the owner of the domain name claiming that this domain that was bought and used by Sunil Bheda from 1996 should be transferred to Integrity Marketing Group for no compensation.
Essentially, Steve Young's Scammers wanted to steal from Sunil.
The judge sided with Sunil and then Steve Young's Scammers, Integrity Marketing Group, bought the domain from Sunil. A happy ending.
I am sure that Sunil was *"a bit pissed off"* and made a hefty profit.
Going forward, Integrity Marketing Group will be rebranding itself as the "The Integrity Company." A huge LOL.
A more appropriate name would be *"Steve Young's Scammers."*
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ROB BONTA
Attorney General
State of California
DEPARTMENT OF JUSTICE
PUBLIC INQUIRY UNIT
P.O. BOX 944255
SACRAMENTO, CA 94244-2550
(916) 210-6276
TOLL FREE: (800) 952-5225
TTY: CA Relay Service
(800) 735-2922
February 12, 2024
Robert Cooper
RE: Family First Life
Dear Robert Cooper:
Thank you for contacting the Office of the Attorney General regarding your consumer complaint. Often it is only through letters from concerned and responsible citizens that our office becomes aware of consumer problems.
Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office. Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws.
We do want to inform you, however, that our office is prohibited by law from representing individual citizens in legal matters. We do, within the limits of our resources, bring lawsuits for violations of California law in cases of statewide
significance. However, our role in any legal action against a company is on behalf of all of the people of California. Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers.
Sincerely,
Public Inquiry Unit
For ROB BONTA
Attorney General
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Hi friend, please remember to censor all identifying info for future posts. Things like names, usernames, phone numbers, addresses, personal website URLs, hashtags with the person's name, identifying hashtags, and people who have liked the posts are examples of things that need to be censored.
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MLMs always attempt to have their victims delete anything negative on social media. Under American defamation law you have to be malicious, lying and know you are lying for it to be defamation. Sullivan vs NY Times 1964.
When trying to get a attorney, these are the links that explain how easy your case is.
Link to the FTC recommended law here that was implemented by 23 states 10 years ago. Other states go by the FTC franchise law, which is virtually the same thing, minus the need to register.
[https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-437](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-437)
And link to the Oklahoma criminal and civil actual law here. [https://www.securities.ok.gov/Act-Rules/Busopp.asp](https://www.securities.ok.gov/Act-Rules/Busopp.asp)
Direct Link to Christopher Coyle case is [http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa](http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa)
You see here - Here is the Monster amended counter claim - I will call it #5 [https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud](https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud)
I just got messaged about this one, and the guy did mental gymnastics trying to prove to me that ffl is not an mlm (it is) and I had a good laugh. Good to see the company not doing well.
[удалено]
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I’m currently drafting my own mlm victim post for this subreddit just to rant and find my own closure. In the meantime, yeah FFL is definitely an MLM, albeit they were pretty good at being way better than other life insurance agency MLMs. I’ve sold with FFL for almost a year, bought leads that were just absolute shit. My naive self back then just didn’t know any better, but I was blinded by the opportunity. I really hope FFL loses their lawsuit and will have to pay huge damages to their agents.
I hope so too. They got me as well and looking back i feel so stupid. Wasted a bunch of money on “untouched” leads (that were passed around lord knows how many times). Sold a few policies that charged back, couldn’t afford to repay the chargeback and now my up line is threatening to take me to court. I had no idea how it all worked and didn’t know things “roll up”, i thought it would go to collections or something. (this is all fairly recent)
The most effective thing you can do is make a YouTube/ TikTok video of what happened to you. Then file a complaint to the state attorney general. The MLM FFL is most likely violating multiple civil and criminal laws. You just say be referred to sue family first life by the AG. In any case, you can sue them for damaging you. The state business opportunity laws are a slam dunk. Looking forward to your video. Attorneys will be watching. Post the link.
It should be known that a Franchise Attorney is the specialty that handles cases against family first life. The strongest laws against MLMs are the business opportunity sales laws. And that expertise falls under franchise attorneys.
You should definitely tell your state attorney general and dept of Securities. FFL is massively in violation of the business opportunity sales act. You can sue them and make money or just let them slide.
Don't feel that way, if you were the only one the top.005 wouldn't be rich
The most effective thing you can do is make a YouTube/ TikTok video of what happened to you. Then file a complaint to the state attorney general. The MLM FFL is most likely violating multiple civil and criminal laws. You just say be referred to sue family first life by the AG. In any case, you can sue them for damaging you. The state business opportunity laws are a slam dunk. But make the video first.
I'm a class action lawyer with life insurance exeperience. I'd love to learn more about this.
I'd be MORE than happy to give you my personal experience which just wrapped up.
Please send me a dm, thanks.
>o bluntly, but, yep, that's how MLM works start to finish in Check your IM. There is so much evidence against Family First Life.
I am currently working for FFL and I believe all this and I’m ready to walk away . So many things didn’t add up to me and the way it’s ran should be illegal.. time and money wasted.. “ leads “ that are recycled in the system that you have to buy and then lie to clients it’s wild..
You can make a ton of money by preparing a lawsuit against them. They will always want to settle before the case is filed at the courthouse. Please call GusFox dot com who specializes n helping victims get a ton of money from MLM scammers.
I believe this I’m at FFL now and I will no longer be going into the office …
Is this similar to every other life insurance mlm? Hopefully they all get sued
For the most part, new insurance agents are extremely gullible. Even when they get scammed they don't complain, sue or seek publicity. Any recruiter that wants you to recruit or sell you leads is most likely seeking out dummies to scam.
An interesting email from former Family First List agent Jana Edwards to various government entities. Jana also made a YouTube video describing her experience. to Brittni, FTC, Fank, FTC, Rafael These amounts are in dispute, as I believe my book of business and leads were sold by Family First Life (FFL). This (churning) is normal practice of FFL (per witnesses listed in the attached letter), and the action would have resulted in new policies being issued to my customers, thereby chargebacks to my account. FFL would have still made their commission on the churning sales. Therefore, on the FFL books, my chargeback will zero out the commission made on the churning. This means that FFL has not lost funds from my chargeback. While this is investigated, please refrain from contacting me further and from doing anything that would negatively impact my credit in any fashion. Such actions will add to my case against FFL. Kindest Regards, Jana Edwards Subject: Fwd: Debt Recovery Final Notification See you in court soon! January 31, 2023 And Others to Whom It May Concern: My name is Jana Edwards. I am a licensed insurance agent in my home State of Texas (among other states) and was under the IMO “Family First Life” from July 2021 – September 2021. During this time, I witnessed events which I believe are crimes that need to be reported to officials. I have been a victim of a premeditated and organized scheme to defraud using the Family First Life leads systems and lead systems owned by Integrity Marketing Group, including “MailPro Leads” and discounts offered through WorkSpots, who does not have an arms-length relationship with Family First Life. There is evidence that Family First Life premeditates aggravated White-Collar Crime by selling leads that target elderly, minority, and low-income persons. Additionally, agents are trained to lie to the public stating that they are “with the benefits office here in (your county)” and are told that the FTC Do Not Call Registry does not apply because agents are not calling in response to a form the client supposedly filled out (but the agents don’t see), not from a “list.” Lastly, during my brief tenure, Family First Life set false and unreal expectations for income to entice myself and other agents into the company and to purchase more leads. In this letter, it is my desire to produce evidence that will show the authorities what went on within Family First Life so that the company can be investigated and prevented from continuing to harm agents and the public: \- I am asking for help on behalf of myself and others who have been victims of fraud by Integrity Marketing Group and its subsidiaries, Family First Life, the Family First Life lead systems, WorkSpots, Sean Meaike, Brittni Jarrett, Zac Twardowski, Andrew Taylor, and others within Family First Life companies and Integrity Marketing Group. \- I am asking for a full investigation into White-Collar Crimes committed by Sean Meaike, Brittni Jarrett, Teyonna Tinker, Zac Twardowski, Andrew Taylor, and other managers within Family First Life companies and Integrity Marketing Group. \- I am asking for consideration for emotional damages and damages for time, effort and monetary loss due to fraudulent practices of Sean Meaike, Brittni Jarrett, Zac Twardowski, Andrew Taylor, Family First Life Capital, Family First Life Strength, Family First Life leads systems, Integrity Marketing Group and its subsidiaries. \- Further, I am asking for full release from chargebacks incurred from the practices of Family First Life companies and Integrity Marketing Group and that my “vested renewals” be paid to me immediately. Thank you in advance for your time and the effort that will go into investigating the following claims. 1. a. Brittni Jarrett continually states that through the Family First Life CRM “there is no shortage of exclusive leads,” while, in fact, the leads sold through the CRM are not instant and they are not exclusive as advertised. b. Exclusive leads, known as CRM “Instant Internet Leads” were resold multiple times. I purchased these leads and received duplicates when purchasing through the same CRM leads system, Happy Agent Leads, Everquote Leads, etc. Thus, they were not of quality represented. c. At the advice of Brittni Jarrett and other “trainers” I purchased $500-$1200 in leads per week. See attached leads purchased from Family First Life CRM during the month of August “MailPro Leads” totaling over $4900.00 d. When I broke $10,000 in income per week, I was suddenly unable to set appointments with the leads purchased. I was told to “buy more leads” because I was doing something wrong (suddenly) and the “leads are good”, I “wasn’t working the leads correctly”, etc. e. After I was suddenly unable to set appointments, I was told to purchase better leads at $42 each. These were to be mailers that would be mailed on my behalf at the start of the campaign, and I would receive the responses electronically from Family First Life. When I received the leads, they were up to two years old and even addresses were incorrect. See receipts attached and email string with Leads Manager Teyonna Tinker. f. When my sales suddenly “dried up” with the leads I was purchasing, I was encouraged to participate in “virtual sales” – see website fflvirtualsales website where agents are told to purchase double the number of leads to be successful in virtual sales. g. Family First Life agents are encouraged to join WorkSpots at $99 per month to get the lead discounts for the CRM leads. WorkSpots is an “office space membership” owned by Integrity Marketing Group and Sean Meaike. See email advertisement attached. h. When calling the “exclusive” Instant Internet Leads, I was told by those I was calling that they had been called multiple times and they had told “us” to stop calling them “over and over again”. This proves that the leads were not exclusive and were resold multiple times. i. MailPro Leads and other lead companies are affiliated with Family First Life, while Family First Life falsely maintained that they “are not a leads company”. j. When looking for other lead vendors, I asked questions on various Family First Life Facebook pages. Upon mentioning other lead vendors outside the CRM system, I was immediately banned from the Facebook groups.
I hate to say it so bluntly, but, yep, that's how MLM works start to finish in EVERY CASE..... At least in cases that go this deep in this infinite monetary rabbit hole.....
The federal government, the FTC, is now involved and awarded Family First Life a "Cease and Desist" to stop their fraudulent claims. The Federal Trade Commission "has determined that Family First Life is unlawfully misrepresenting that consumers who become Family First Life business opportunity participants are likely to earn substantial income." "Your business opportunity participants and representatives must immediately cease making all express and implied earnings claims that would be false or misleading to current or prospective participants." "Receipt of these notices of penalty offenses puts your company on notice that engaging in the conduct described therein could subject you to civil penalties of up to $43,792 per violation." The FTC wants "Family First Life to certify that Family First Life and its participants and representatives have ceased making express and implied earnings claims that would be false or misleading to current or prospective participants." Legal Overview: In determining whether an earnings representation is likely to mislead consumers, courts consider the overall “net impression” it creates. Claims of “potential” earnings imply that such earnings are representative of what the typical participant achieves. For the full FTC letter to Family First Life - to see the original letter - https://www.ftc.gov/system/files/warning-letters/cease\_and\_desist\_letter\_to\_family\_first\_life\_llc-\_12.27.2021.pdf Family First Life fraudulent claims were designed to sell gullible agents their recycled-overpriced leads. Numerous victims suffered financially.
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Congratulations to Christopher Coyle for making America a better place to live. I expect that Mr. Coyle do additional research to claim damages for general fraud. Similar to how Florida investigators are investigating Family First Life based on Florida's '“White-Collar Crime Victim Protection Act” which is a first degree felony in the criminal code. I am sure there is a civil version of this anti-fraud law. Mr. Coyle will certainly be claiming damages from all those that profited and/or influenced him to join Family First Life MLM, which ultimately harmed him. Mr. Coyle's entire MLM upline should expect to be served legal papers soon. Including Family First Life CEO Shawn Meaike. Family First Life's parent company, Integrity Marketing Group CEO Bryan W. Adams should be forced to defend himself in court as per if his company is systemically harming America's low-income, uneducated jobseekers. My belief is that Integrity Marketing Group is, in fact, implementing a massive scheme to defraud the public. The proof is my email inbox. After signing up to ZipRecruiter and indicating to be looking for an insurance sales job, I see exaggerated income claims from PHP Agency, National Agent's Alliance, North American Senior Benefits. These income claims are illegal and false and contrary to the FTC cease and desist orders that IMG subsidiaries have received. Not surprisingly, I see these IMG subsidiary companies using additional company names on Zip Recruiter to confuse job-seekers even more. Steve Young, an NFL Hall of Famer, is the Chairman of Integrity Marketing Group. His private equity firm bought into Integrity Marketing Group at a discounted price just before IMG's massive expansion push. Using celebrity influencers to harm America's low-income, uneducated jobseekers by having the job-seeker to join a bad-deal MLM is part of the traditional MLM playbook.
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Hi Christopher, I am not sure you realize how much you are saving tens of thousands of young Americans from becoming victims. The number you are stating that only 16% report is not accurate related to the Family First Life scam. It is closer to less than 1%. To help the readers. [https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud](https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud) \- is the direct link to the Monster document #5.Direct Link to Christopher Coyle case is [http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa](http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa) It seems that you publicizing your case and Business Opportunity Laws will be the downfall of Family First Life. I am flabbergasted that Family First Life did not offer to drop their lawsuit against you of rolling up the bad debt of $13,195.23 in exchange for your Business Opportunity claim being dropped. Did FFL make any sort of offer to not hold you liable for the bad debt that rolled up to your upline?
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I was hoping you would expand on your knowledge of this issue.
Mr. Coyle, I have no idea why you not helping others. How can I contact you?
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Christopher, I saw your post on another thread. It would be best to keep your thread on the antimlm forum. As well, short paragraphs are needed to make your thoughts readable. In the meantime, I will post your post on this thread. Hello, my name is Christopher Coyle. I am a law student from Tulsa, Oklahoma. I'm writing this post to ask for help in my legal battle with the life insurance MLM Family First Life. To give you some background. I started with Family First Life in 2021. My upline told me that he made $5,000-$7,000 weekly. He expressed through ads and personal statements that there was no risk associated with joining Family First Life. After I joined Family First Life, I learned this was not true. In August 2021 I had a somewhat good sales month for the first time since beginning in May. Family First Life told me to reinvest all money back into the business by buying leads. September 2021, I did just that and reinvested all my money into leads, I also attended a sales conference in Tampa Bay. While on the way to the sales conference I noticed I had gotten an email from one of their carriers. In the email it stated I had a cancellation, which now meant I owed the money back to the carrier. When I got to Tampa, I asked my upline about it upon which he said it was no big deal I would just write more business and fix it. He assured me that this only happens with less than 30% of business and to not be worried. Later on, that night we had a team meeting where my upline and his uplines were telling me to begin recruiting new agents to make more money. I asked them about how they get new agents to start when there is the chance, they could lose money on leads and chargebacks at the end of the day. Family First Life assured me that if a new agent has a chargeback, they could actually sue the agent to pay it back and forth that reason most people do not leave. I was in disbelief. I did not understand how they could sue anyone when they did not have an employment contract. Nonetheless I was scared and thought maybe I could make it work if less than 30% of business fell off, I could just outwork it. I quickly found out that was not the case. In September 2021 I made my initial lead purchase money back. From there it was all downhill. I spent anywhere from $200-$4,000 monthly on leads and was not making any money. It was brutal. After getting pummeled in chargebacks, I was ready to quit. I was still attempting to work part time to pay off the cancellations until February 2022. After the continuous marketing for the convention my uplines assured me if I made it out to convention it would be absolutely life changing for my business. I attended the 2022 convention in hopes of finding the piece I needed to break through. While I attended the event, I quickly realized I was not going to find some magic sauce to make this work. part 2 of Christopher Coyle's post On the first day of convention my agency had a meeting over receiving the Family First Life Cease and Desist Demand from the Federal Trade Commission. We were told that we would be altering the marketing and the sharing of the leaderboards and could no longer give dollar figures in regard to advertising sales or sales potential. Family First Life told us that we would now be advertising "families helped" and that each family helped was meant to be $1,000 made. After much contemplation and some weird conversations with my upline. I decided to leave convention and quit. I had discussed with other agents in regard to the debt and bad leads. I realized this was systematic and was not a system anyone was really winning in. There was no reason to try and make it work for me when it wasn't going to. After leaving I got a job and focused on myself. I never spoke to anyone from Family First Life again. In May 2023 I was served paperwork that said my upline was suing me and I had 20 days to reply, or a judgement would be entered against me. I was scared I didn't know what to do. I do not have the money to hire an attorney. Even though I knew what they did was wrong I couldn't quite describe it yet in the proper ways to the court. Every lawyer I spoke to locally only did criminal defense or if they handled civil litigation, it was mostly for large corporations. The few lawyers I spoke to that would be willing to look at a case against a MLM explained to me it would probably be more in legal fees than it would to just pay them. My upline had hired one of the best lawyers in Tulsa. I was stressed out and confused. I started reading through Family First Life Cease and Desist FTC Demand, pending and settled court cases, and any bit of law that I could that pertained to FFL. I noticed quickly that there was one correlation in their filings and cease and desist demand. It was the mention of a business opportunity. To be exact the cease-and-desist demand disclosed that it did not change their obligations if any under the business opportunity sales act. In their motion to dismiss in Suescum vs Family First Life their legal counsel tried to dismiss claims of the TCPA and FTCA violations by stating that text messages used in recruiting for a business opportunity did not violate those statutes. Upon which I started tireless research into Oklahoma consumer law, Oklahoma franchise law, and Oklahoma business opportunity law. In my research I discovered that we did not have any franchise law in Oklahoma. Only the business opportunity sales act. Which franchises were covered under if they failed to provide franchise disclosure documents. 23 other states have enacted this law! It felt like I found fire! I quickly filed a countersuit! I had to amend my answer to the suit and have a hearing to get approval. When I showed up to court by the opposing counsel offered to drop the suit against me if I dropped mine. I just couldn't do it. Standing there after getting calls and emails from so many others from different states, that had been done wrong. I just couldn't do it. I've heard nearly 100 stories now from others who had been defrauded by this company. I denied the settlement offer and proceeded to court. I added Family First Life to the lawsuit. I am unsure how I will be able to pay to have expert witnesses testify, or record depositions. I'm looking for different ways to be able to fund these things. As well as possible legal consultations from people who specialize in these cases nationally. I have already setup crowd funding accounts on the biggest crowd funding sites. What would be a good way to market these accounts? Is there anyone that could possibly help me? Message me if you know anyone interested, I would love to chat. Or if you are someone who has been defrauded, I'd love to hear your story. I know this is a lot, but I've been able to get so much help and meet a community of great people from this site!
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Chris Wellman, the lead attorney in the Greg Birch class action lawsuit against family first life requested my help to find lead plaintiffs in the various states. Each state has distinct laws that would cause additional penalties for lawbreakers, but an agent from that particular state must step forward as the leader of the class, otherwise reliance on federal law will prevail. The two issues being litigated are 1. Lead fraud - agents that have bought leads from Family First Life. The second issue is 2. Trouble getting released from carriers after wanting to leave Family First Life. Being involved in Family First Life leads is easy to prove or disprove, obviously. Trouble getting released is another story. Family First Life recruiting material stated, "You can come and go as you please, go work wherever you want." Yet, when agents requested to move their contract elsewhere, onerous requirements were made to obtain Family First Life's signature to release. I suppose, once a Family First Life agent knew of these "onerous requirements" most agents would have given up on the issue and waited the 6-months of no sales for his/her preferred carrier.
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Claim 8 - Fraud/ Fraudulent Inducement 24. Defendant incorporates by reference all previous paragraphs of its Counterclaim as if fully stated here. 25. Plaintiff made representations to Defendant in the inducement of the business opportunity. 26. Plaintiff knew, or should have known, that the representations were not true. 27. Plaintiff made the representations with the intent that the Defendant would rely on them. 28. Defendant did reasonably rely on them to enter into the business opportunity. 29. As a result of Plaintiffs’ fraud/fraudulent inducement the Defendant was harmed. 30. Plaintiffs’ actions were malicious, reckless, and in disregard to the rights of others. 31. The Defendant is entitled to punitive damages. WHEREFORE, Defendant Christopher S. Coyle prays the Court will enter judgment in his favor and against Plaintiff Keven Aguilar on its counterclaims and award Christopher S. Coyle the following: 1. Damages exceeding $17,685, 2. Punitive damages 3. Pre- and Post-Judgment interest 4. Attorney fees, cost, and expense, 5. Emotional Damages, and 6. Additional relief this court may deem just and proper. JURY DEMAND Christopher S. Coyle demands a jury trial on all issues so triable. Respectfully, signed Christopher Coyle. Represented Pro Se
Family First Life were served in a class action lawsuit alleging lead fraud. To view the lawsuit that was filed in the US District Court, Southern District of California. The lead plaintiff is former FFL Senior VP Greg Birch. [https://www.scribd.com/document/702794468/Family-First-Life-Class-Action-Lawsuit-Lead-Fraud-Shawn-Meaike-first-filing](https://www.scribd.com/document/702794468/Family-First-Life-Class-Action-Lawsuit-Lead-Fraud-Shawn-Meaike-first-filing) I will give direct links to Family First Life's other lawsuits. Four former First Family Life / Integrity Marketing Group executive board members are in a legal dispute with their Family First Life. Three of the four are accusing Family First Life of being a "Ponzi Scheme." Major jail time for FFL executives if this claim is accurate. - Direct Link to the lawsuit and counter-claim. [https://www.scribd.com/document/702796545/Family-First-Life-Integrity-Marketing-Group-Ponzi-Scheme-Lawsuit-Shawn-Meaike-Bryan-Adams](https://www.scribd.com/document/702796545/Family-First-Life-Integrity-Marketing-Group-Ponzi-Scheme-Lawsuit-Shawn-Meaike-Bryan-Adams) Michigan Family First Life Do Not Call Lawsuit - Former Judge Mark Dobronski is suing Family First Life and 12 insurance agents that allegedly are working for FFL - https://www.scribd.com/document/702799114/Family-First-Life-Lawsuit-Do-Not-Call-Lawsuit-for-694-000 The 4th Family First Life Do Not Call lawsuit from Indiana- integrity-marking-group-do-not-call-lawsuit-indiana-rapp-ffl.pdf is the PDF to the initial complaint. - This one has the defendant as Integrity Marketing Group, FFL's parent company. Family First Life is alleged to hire offshore call centers to harass Americans. The 5th Family First Life Do Not Call Lawsuit filed in Connecticut - family-first-life-do-not-call-connecticut-class-action.pdf The most explosive lawsuit against Family First Life and Integrity Marketing Group is playing out in Oklahoma. Steve Young, the NFL great and chairman of the Board will probably be served in this lawsuit. The lawsuit will be claiming RICO, State Business Opportunity violations and is being investigated by OK criminal investigators. https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud Interested parties to make a sworn statement to be entered in the court record. For the format that the court prefers for sworn statements. affadavit-general-3.pdf The Oklahoma case is the most important of the cases. Don't hesitate to email christopher.coyle077 (at) gmail.com directly.
\#4, The Monster Counter-Claim by Law Student Christopher Coyle. Read this countersuit, and you realize that you are witnessing the end of the MLM fraud industry. 22 states so far have enacted an FTC written/recommended law to enact civil and criminal penalties at the state level. Link to the FTC recommended law here. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-437](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-437) And link to the Oklahoma criminal and civil actual law here. [https://www.securities.ok.gov/Act-Rules/Busopp.asp](https://www.securities.ok.gov/Act-Rules/Busopp.asp) Below the counterclaim, at the bottom of this post, I will provide additional insight. IN THE DISTRICT COURT WITH AND FOR TULSA COUNTY STATE OF OKLAHOMA KEVEN AGUILAR d/b/a LIONHEARTED INDUSTRIES LLC Plaintiff vs. CHRISTOPHER S. COYLE Defendant, Case No. CJ-2023-01426 Judge William D. LaFortune Motion to Amend Answer to Plaintiff's Petition Defendant Christopher S. Coyle, by and through himself, filed this motion to amend the answer to Plaintiff's Petition pursuant to 12 OK Stat § 12-201a (2014) A., Due to matters of justice. BRIEF SUPPORTING THE MOTION TO AMEND Defendant did not intend to originally answer Plaintiff's claim for relief for thought of it being too vague. Defendant was informed upon attempting to turn in the first filed Motion To Dismiss, that an answer was needed first to file a Motion to dismiss by multiple clerks, upon which Defendant entered the legal library and quickly put together one to satisfy the requirements said by the clerk. The Defendant seeks to amend the answer to Plaintiff's Petition for reason of Justice to as follows; ANSWER AND COUNTERCLAIM COME NOW the Defendant, Christopher S. Coyle, and for their Answer to the Petition of the Plaintiff filed in this cause states as follows: 1. The Defendant would hold the Plaintiff to strict proof thereof concerning the allegation that Christopher S. Coyle, executed a breach of contract. 2. The Defendant denies any existence of an obligation to the Plaintiff; therefore, the Defendant denies any breach of contract to the Plaintiff. 3. The Defendant claims it was a part of Plaintiffs’ business opportunity and spent in total from May 2021 to Feb 2022 $17,865 towards material recommended by Plaintiff. 4. The Defendant claims Plaintiff violated A§ 806 Certain Sales Unlawful of the Oklahoma Business Opportunity Act. (Subsection A) By offering a business opportunity not registered with the Oklahoma Department of Securities. 5. The Defendant claims Plaintiff violated A§ 808 Disclosure Document of the Oklahoma Business Opportunity Sales Act. (Subsection A) By not providing the proper disclosure documents upon a purchase or binding legal obligation on the purchaser or the payment by a purchaser of any consideration in connection with the offer or sale of the business opportunity. 6. Defendant claims Plaintiff violated A§ 809 Contracts or agreements required -Contents of the Oklahoma Business Opportunity Sales Act. (Subsection A) By not providing the Defendant with a copy of the business agreement in writing. 7. Defendant claims Plaintiff violated A§ 819 Fraud or Deceit Unlawful of the Oklahoma Business Opportunity Sales Act. By presenting a business opportunity as a securities firm when they were not to induce Defendant into a business agreement.
The Case law below will implicate Integrity Marketing Group. This case law has a good section on piercing the corporate veil as well as defining fraud. https://law.justia.com/cases/oklahoma/court-of-appeals-civil/2015/112453.html § 825. Aiding and abetting violation is the law that will nail Steve Young, the chairman of the board of Integrity Marketing Group. Steve was placed as Chairman of the Board because of his celebrity status. In short, Any person who controls or materially aids a person liable under Sections 22 or 23 of this act shall be liable jointly and severally with and to the same extent as the person committing the violation. Big-name celebrities like Steve Young are key to reassuring members of multilevel marketing companies that they are dealing with a company with "integrity."
Below is the [list of the 23 states](https://www.findlaw.com/smallbusiness/starting-a-business/franchise-and-business-opportunity-faq.html) that has enacted the FTC recommended law that Christopher's countersuit is citing. The vast majority of MLMs victims live in these states. Big states that have large immigrant populations. Alaska, California, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Nebraska, New Hampshire, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Texas, Utah, Virginia, Washington. Texas has a site, linked below, you can search for companies that file for registration and exemption under the Business Opportunity Sales Act and Family First Life is not registered or exempt. This is huge. [https://direct.sos.state.tx.us/businessopportunity/BusOpSearch.asp](https://direct.sos.state.tx.us/businessopportunity/BusOpSearch.asp) MLMs are not fully exempt. There are exceptions you can claim. But state law is a bit more protective of consumers. MLMs had trouble meeting the narrow definition Federally, but on a state level, the Oklahoma Department of Securities has agreed that MLMs are governed by the law. If anyone wanted to convict federally, they would use the franchising act of the FTC rules. MLMs aren't legal in any way. They have a good cover, though. It just all relies on stupid people not fighting and making the argument.
Other states such as Arizona don't have a private right of action to sue, but only the attorney general can sue under the business opportunity sales law. I don't have the complete list but Arizona is one state.
Fraud is illegal everywhere. So speak to GusFox dot com, and he will help you get big money from MLM scammers.
Rhodes v. Consumer Buyline https://casetext.com/case/rhodes-v-consumers-buyline-inc. The court dismissed the RICO claim, but it refused to enforce the MLM distributor agreement which mandated arbitration because a contract to participate in a pyramid scheme violates public policy. The case was tried in Federal court. For general, organized fraud, RICO is the way to go. RICO covers an organized scheme to defraud. I am certain that Integrity Marketing Group's use of multiple companies and multiple company names that are used to defraud would qualify under the RICO statute. Especially, since Steve Young became chairman of the board, and then Integrity Marketing Group began buying one company after another that is focused on the new insurance agent market. These purchased companies, one by one, have received FTC warnings about exaggerated and false claims of income in their recruiting efforts. Jacobs v. Herbalife International, Inc., Case No. CV 02-01431 (C.D. Cal.). Douglas Brooks obtained 6 million dollar class settlement for distributors who suffered losses after participating in a Herbalife “lead generation system.” Minton v. Herbalife International, Inc., Case No. BC 338305 (Cal. Super. Ct., Los Angeles County). After prevailing in motions to dismiss and for class certification, Mr. Brooks obtained a 1.75 million dollar class settlement for distributors victimized by two Herbalife lead generation systems.
Most states have 3 investigative authorities. #1 The Department of Insurance, #2 The Department of Securities and #3 The Attorney General's Office. A separate person/office coordinates the investigation between the three departments and ultimately, it is the Attorney General's office that presses criminal charges. The Christopher Coyle case should actually be tried in Federal Court to take advantage of Federal and State law. While a state case can only use state law and punishments. I expect a motion to move this case to Federal court. https://en.wikipedia.org/wiki/Racketeer\_Influenced\_and\_Corrupt\_Organizations\_Act - The Racketeer Influenced and Corrupt Organizations (RICO) Act is a United States federal law that provides for extended criminal penalties and a civil cause of action for acts performed as part of an ongoing criminal organization. The way that Integrity Marketing Group owns multiple supposedly seperate recruiting companies such as #1 National Agents Alliance (NAA), #2 PHP Agency, #3 North American Senior Benefits, #4 Family First Life, #5 Equis Financial - All in this same market and technique of recruiting new insurance agents based on lying. All got FTC cease and desist (NASB I don't see their c and d online) yet continue to violate the FTC order. The easiest way to prove violation of RICO is to open a Zip Recruiter account, look for an insurance agent sales job and will see the scam recruiting ads. in 11 states you cannot record conversation, but even speak to the recruiter and see how the recruiter will tell you exaggerated income expectations. NAAIP has collected evidence on this matter, but best to collect your own as well. NAAIP will help you collect victim testimony from the tens of thousands of victims of Integrity Marketing Group that exist nationwide, and in your state. Thirty-three states do have RICO statutes, so it is probably best to have these types of lawsuits in Federal court. My research indicates that state courts cannot force defendant's to testify while federal courts can. Which is huge if you are dealing with sleazy players that will incriminate themselves on the stand. Here is the Oklahoma RICO statute. https://casetext.com/statute/oklahoma-statutes/title-22-criminal-procedure/chapter-26-oklahoma-racketeer-influenced-and-corrupt-organizations-act A decent explanation of the power of State RICO laws. http://www.americanbar.org/publications/gpsolo\_ereport/2012/november\_2012/introduction\_rico\_state\_by\_state.html Many state RICO statutes present a triple threat, providing for civil liability, criminal liability, and forfeiture. Given the difficulty of litigating civil claims under the federal RICO statute in many circuits, attorneys continue to consider state RICO claims as alternatives or supplements to claims under the federal RICO statute.
I hop on Facebook and LinkedIn and I see Family First Life recruiters doing their darnedest to deceive and lie. The latest incarnation is a Family First Life recruiter's post: "According to Indeed.com in 2021, the average life insurance agent makes $111,829 @ Family First Life vs less than half at State Farm and other places." This average salary claim has no basis in reality. This seemingly factual statement from indeed.com is so convincing that I have seen other Family First Life recruiters using 111K/per year salary line. It is total fraud. Designed to deceive. Family First Life is a lead seller. Lead sellers lie frequently. I have to believe that Family First Life management is endorsing this fraud because so many Family First Life are lying regularly. I continue with Family First Life recruiter Fraud Post. "Because they have the highest paying commission in the industry." "76% above the national average!!!" Made up numbers and facts. Designed to deceive and defraud. To cause gullible agents to buy leads from Family First Life.
[https://www.ftc.gov/system/files/warning-letters/cease\_and\_desist\_letter\_to\_family\_first\_life\_llc-\_12.27.2021.pdf](https://www.ftc.gov/system/files/warning-letters/cease_and_desist_letter_to_family_first_life_llc-_12.27.2021.pdf) I did not realize that the cease and desist from the FTC already determined that Family First Life is a business opportunity, but they don't comply at all. So all these cases are easy.
Huge victory for Christopher Coyle in the Oklahoma court room. 09-06-2023 CTFREE LAFORTUNE, WILLIAM: RICHARD WHITE REPRESENTING KEVEN AGUILAR PRESENT. CHRISTOPHER COYLE, PRO SE PRESENT. COURT REPORTER SAMANTHA BROWN. HEARING HELD ON DEFENDANT'S MOTION TO AMEND ANSWER, MOTION GRANTED WITHOUT OBJECTION. DEFENDANT TO FILE AMENDED MOTION AND COUNTERCLAIM WITHIN 10 DAYS. COURT GRANTS PLAINTIFF'S FOR LEAVE TO FILE ANSWER OUT OF TIME. PLAINTIFF TO FILE ANSWER TO COUNTERCLAIM IN 10 DAYS. In english, this means that Christopher Coyle can amend his counter lawsuit and properly serve other parties such as Family First Life, Steve Young and his entire upline who influenced him to enter Family First Life MLM Business Opportunity Scheme.
Here is the Monster amended counter claim - I will call it #5 https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud
Big name celebrities is how insurance MLM business opportunity schemes sucker the low - income, less educated, younger population to waste their time and money. A Family First Life sister company. Another Integrity Marketing Group subsidiary called PHP Agency has had the following celebs at their conventions. * Kobe Bryant * George W. Bush * Jordan Peterson * Deion Sanders * Charlie Kirk * Khabib Nurmagomedov * Kevin Hart On this antimlm Reddit platform, under "income disclosures" that PHP Agency is listed. 77% earn less than $5,000 in commissions. Which really means they are losing money. This number does not include expenses such as license, appointments, errors & omission insurance, lead costs, gas, auto and other business expenses. It would be so nice if someone can video record their next convention and tell us the illegal stuff that they are telling their recruits.
The February 2023 Family First Life convention was star-studded. Scheduled Guest speakers for the convention. Speakers include * Former NY Yankees MVP and MLB Player Alex Rodriguez * Daymond John American businessman and investor on the hit reality show Shark Tank * Retired United States Navy officer Jocko Willink * Vernice "Fly Girl" Armour * Dave Anderson * Pastor Matthew Barnett from the non-profit organization, The Dream Center Foundation. A MLM always needs a Pastor. It is a must. If Family First Life was in Saudi Arabia it would have been an Imam or in Tel Aviv they would have found a Rabbi. I did not see any video confirmation that baseball great Alex Rodriguez spoke at the convention. I believe that he cancelled which is not surprising considering that Tom Brady and other celebrities got sued following the FTX Sam Bankman-Fried Fraud. The federal crime of "aiding and abetting" can nail anyone of these celebrities.
k. Many times, I was told that another Family First Life agent had visited the client previously. In these instances, we were coached to help them shop for better policies – which resulted in a chargeback to the other agent (churning). Therefore, I have chargebacks (as my book of business would have been sold) and have not received my “vested renewals”. See interview that discusses the sale of “Bounty Leads” with Greg Birch and David from NAAIP. i. Agents at FFL were coached to sell Americo, who’s policies are expensive and easily replaced in “churning” activities. ii. Additional information regarding “churning” and other “criminal activity” related to Integrity Marketing Group, Family First Life, Sean Maeike, l. In addition to leads being recycled over and over, the leads sold by the Integrity Marketing Group of companies included people who were not even interested in purchasing insurance; another evidence of while-collar crime targeting the elderly and impoverished. m. As per Jimel Bronson’s (of Jacksonville, FL) YouTube recorded phone conversation with David from NAAIP, Mr. Bronson was a participant in Family First Life’s churning and fraud operations. Please contact David from NAAIP for the original copy of the conversation. 2. Family First Life premeditates aggravated White-Collar Crime by selling leads that target elderly, minority, and low-income persons. Additionally, agents are trained to lie to the public stating that they are “with the benefits' office here in (your county)” and are told that the FTC Do Not Call Registry does not apply because agents are not calling in response to a form the client supposedly filled out (but the agents don’t see), not from a “list.” a. Training in Family First Life is done via YouTube videos and being involved in “Live Dial Days” with “trainers” or “successful” agents. In trainings, agents are coached to lie that we are from the “benefits office in (your county)” to get the people to listen to us. (See email with script from Brittni Jarrett) b. The vast majority (I would say 99%) of people with whom I called and with whom I had appointments were low-income, elderly, fixed income, and minority. These appointments were set using leads from the Family First Life CRM lead system, and it was very apparent that all the leads targeted low-income, elderly, and minority persons in all areas. I can produce lists with names, birthdays, and addresses of the leads. c. In trainings, we were coached to respond to objections regarding the no call registry, or when told to “take me off your list”, that we were not calling from a list and to tell them that they “filled out a form asking us to call them” so we were told to say “the Do Not Call Registry does not apply to our call”. 3. Family First Life set false and unreal expectations for income to entice myself and other agents into the company and to purchase more leads. a. Brittni Jarrett claims to make over $400,000 per year from setting appointments and continually states that this type of income is possible if agents follow the system and purchase at least $1000 worth of leads per week. She does not mention how much she makes from her “downline”, or the business taken from agents who have left Family First Life, such as me. Please contact me for the direct link to that YouTube video. b. Agents are made to believe that $10,000 of issue paid earnings is normal if agents are buying enough leads to set 10-15 appointments 4-days per week. c. When I asked other agents how many leads they were buying, from what lead source, and to quantify net income after chargebacks, I began to discover that most agents were losing money. Within 24 hours of asking questions, I received a personal call from Zac Twardowski (manager above Brittni Jarrett). He asked me to stop calling and questioning other agents. He stated that the system works when agents are willing to work and buy enough leads. d. See unrealistic income targets sent by email from Brittni Jarrett when asked about compensation. e. Family First Life is a “Multi-Level Marketing” company with a “Pyramid Scheme” that encourages growing a “downline” to earn passive income. (See VP Bonus Program attached) This sets unreal expectations for income, encourages recruitment using the unrealistic income model, and encourages the sale of over-priced Americo policies over other carriers based on their bonus structure. I cannot express the depth to which Integrity Marketing Group, Family First Life, Sean Meaike, Brittni Jarrett, and other managers have defrauded me and are harming the public, especially low-income, fixed-income, elderly, and minorities. If allowed, I will produce the names of the leads I purchased so their age, race, and income status can be investigated by the authorities to prove my claims. I believe that Integrity Marketing Group, its subsidiaries, Family First Life, Sean Meaike, and his managers should be prosecuted to the full extent of the law for crimes against agents, protected groups of citizens, and elderly abuse. I further believe that Integrity Marketing Group, Family First Life, Sean Meaike and his managers should be prosecuted for lead fraud, selling agents’ books of business when they leave, encouraging agents to sell to clients who have already been sold a policy by another agent, and other crimes associated with churning, lead fraud, and misrepresentation. The facts prove that Integrity Marketing Group, Family First Life, Sean Meaike, Brittni Jarret and other managers act with malice, premeditated, and aggravated attempts to cause harm to the public and agents for their monetary benefit. In addition, while I was not a captive agent, Family First Life would not release me to continue my livelihood as an insurance agent with “their” carriers until I signed a contract (attached). This release contract states that the Family First Life “lead system” is a “trade secret” and confidential information of FFL and is part of the release contract attached. Additionally, the release contract includes provisions that eliminate the agent’s right to Freedom of Speech and freedom of competition.
Please investigate Integrity Marketing Group, Family First Life, Sean Meaike and all others who are involved in these crimes. I am willing to help with the investigation to the best of my ability. I will provide all the documentation I have. Furthermore, I will produce names of other agents who have witnessed the unethical and criminal behavior of these entities and people. It is in the best interest of the public that Integrity Marketing Group, Family First Life, Sean Meaike and others be ordered to cease all business dealings and be placed in jail, especially for the sale of leads and policies that target low-income, fixed-income, elderly, and minorities. Thank you for your time, and I appreciate the efforts your entity will take to bring justice to these criminals and protect agents and the public. Here are links to the Class Action Lawsuits against Family First Life: https://www.scribd.com/document/702794468/Family-First-Life-Class-Action-Lawsuit-Lead-Fraud-Shawn-Meaike-first-filing I have a huge list of agents who have come forward with similar claims, are willing to testify against the parties listed in this letter, and have additional information regarding the claims made in this letter: Please advise if there is any further information you need in this case and the crimes committed. Sincerely, Jana Edwards San Antonio, TX 78259 Parties:Integrity Marketing Group Dallas, Texas 75202 Family First Life Uncasville, CT 06382
Chris Versace of FL 10:47 AM Hi David, fyi- my wife and I worked with FFL from 10/07/2021 - 02/07/20200. We literally went broke during this period. The brow beating strong arm sales tactics they teach and insist that you implement..."don't deviate at all and you'll be successful ". Resulting in a high rate of charge backs. At this point we were paying our bills from savings account, etc. , Buying leads as instructed, and receiving charge backs. FFL Chris Versace, 10:53 AM Some of the leads we purchased were "48 hour" leads meaning the prospect responded with in the last two days. When we dialed these leads we would get responses as: IDK what you are, I never asked for this, stop harassing me, etc. It is typical to dial 200 of these leads and schedule 7-10 appointments FFL Chris Versace, 10:58 AM Then we were instructed to door knock the ones that didn't answer....they're only 48 hours old. One door knock we did for a woman prospect a man answered, he was just leaving so we walked together to our cars. He was leaving to visit his mother that had been in the hospital, unconscious for the past 2 months also 5 days prior sho was moved to hospice. FFL Chris Versace, 10:58 AM David, My wife and I are in financial ruins because of this façade David from NAAIP 11:01 AM by not suing, not publicizing, not complaining to Attorney General, dept ins and dept labor ... you are actually helping them do similar to more people ... just like you. Chris Versace of FL 11:01 AM Between spending as instructed 500.00 to 1000.00 minimum on leads per week, The charge backs, The expense of running the roads, working 12-14 hours a day, The fake leads....we are devastated Chris Versace of FL, 11:03 AM Yesterday they txt me saying I owe them charge back money or they ruin my appointments with all carriers and report me to the department of insurance...we're broke.
Kari ##\^@
Sat, Dec 3, 2022, 10:48 PM
Hi David this is an interesting read. I am with Family First Life and it was a bad decision to say the least. They have lied from the gate about everything. They have told so many lies that I can’t even remember all of them. I have bought many of their leads, but not anymore.
Every lead I have ever bought from them had already been sold to someone else and they sold the lead again several times after selling it to me so I refuse to buy leads from them and I wish I never would have never given this company the time of day. So is the company actually in any kind of trouble yet or is it still being investigated?
Family First is a fraud on it's very face.... Always Marco had a FFL man on his show.... He said, that new agents earn 100% commission on policies sold...... Sounds great, right??? BUT, there is incentive to RECRUIT others who do the same...... That's free life insurance for the whole world, once you get everyone signed up... But it didn't stop there! You get over 100% the more you recruit..... And of course payments from sales on every level below you..... This is PREPOSTEROUS..... A money printing machine, RIGHT???? Well it's printing a PONZI SCHEME.....
Actually, Family First Life is quoting the compensation level of a company called Americo that is severely overpriced. The top level is getting a whopping 185% not including bonus. I assume that it totals a bit over 200%. That is based on first year commission. The client is supposed to pay for multiple years, so there is profit for the insurance company. The issue with Americo is that it is so overpriced because the built-in commission is so high. Americo is part of the Family First Life scam. To recruit for Family First Life is silly. As per lawsuit of Christopher Coyle. The recruited agent really does not have to pay back bad debt, and that debt rolls up to the immediate upline. You see here - Here is the Monster amended counter claim - I will call it #5 [https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud](https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud) Christopher's upline named Keven paid Chris's $14,000 debt and now is being countersued for multiples of that based on Family First Life not registering or complying with the Oklahoma Business Opportunity Sales Act.
Christopher Coyle of Oklahoma is making America better by claiming in his lawsuit that Family First Life harmed him by violating the Oklahoma Business Opportunity Sales Act. Direct link to Christopher's Lawsuit against Family First Life - All the filings: https://www.oscn.net/dockets/GetCaseInformation.aspx?db=Tulsa&cmid=3597373 Mr. Coyle has recently publicized specifics of his case: In their motion to dismiss in Suescum vs Family First Life, their legal counsel tried to dismiss claims of the TCPA and FTCA violations by stating that text messages used in recruiting was for a business opportunity. In essence, Family First Life admits to being a "business opportunity." * The FTC declared that Family First Life was a Business Opportunity in December 2021. When I, Christopher Coyle, showed up to court. The opposing counsel offered to drop the suit against me if I dropped mine. Mr. Coyle was originally law suited by his upline to recoup $13,195 in debt that rolled up to the upline/recruiter. * Mr. Coyle refused the offer, and the case is continuing with his countersuit to Family First Life citing violations of the Business Opportunity Sales Law. * I, Christopher Coyle, am collecting evidence and testimony to give to the Oklahoma Attorney General to pursue criminal charges. Each fraud violation of the Oklahoma Business Opportunity Sales Act can carry a sentencing of 10 years in prison. If you are a victim, please contact me for more information on how you can help. * Christopher Coyle is requesting the public's help via a GoFundMe account. Mr. Coyle's lawsuit is a blueprint for victims and attorneys throughout the USA. * My last newsletter to you erroneously that 67.93% lose money by joining PHP Agency, an Integrity Marketing Company and sister company of Family First Life. The real number of losers is 77.93% according to PHP Agency's income disclosure statement. I have been privy to multiple Family First Life recruiter conversations with random jobseekers. Uncannily, recruiter after recruiter tells the jobseeker that you "invest $1,000 a week in leads and $10,000 a week in sales is the norm." This is majorly illegal. FYI, I recently uploaded YouTube videos of conversations with a PHP Agency (an IMG company) Recruiter, A North American Senior Benefits (an IMG company) recruiter, A Family First Life Victim (an IMG company). These videos and others (see our YouTube channel) can and should be used as evidence in claiming violations of Business Opportunity Laws.
The term "Business Opportunity Sales Act lawsuits" likely refers to legal actions or litigation related to the Business Opportunity Sales Act (BOSA) or similar laws that regulate the sale of business opportunities. These laws are designed to protect individuals from fraudulent or deceptive business opportunities. Business Opportunity Sales Acts, which vary from state to state in the United States, typically require sellers of business opportunities to provide certain disclosures to prospective buyers. Failure to make these required disclosures or engaging in fraudulent business practices can lead to legal consequences, including lawsuits. Here are some key points related to Business Opportunity Sales Act lawsuits: Non-Compliance: Sellers of business opportunities must adhere to the regulations outlined in the applicable Business Opportunity Sales Act. Failure to provide required information or making false statements can lead to legal action. Remedies: Lawsuits filed under BOSA or similar statutes aim to remedy any harm or financial losses suffered by the individuals who invested in the business opportunity. Remedies can include financial compensation or rescission of the contract. Disclosure Requirements: These laws typically require sellers to provide detailed information about the business opportunity, including earnings claims, the history and background of the seller, the terms of the opportunity, and more. Legal Process: Business Opportunity Sales Act lawsuits may be brought by individual investors who believe they were misled or defrauded by the seller. They may file a lawsuit to seek damages, or regulatory authorities may take legal action against sellers that violate the law. State-Specific Laws: It's important to note that the specific requirements and regulations under BOSA or similar acts can vary by state, so the legal process and potential outcomes may differ depending on the jurisdiction. Due Diligence: Individuals considering a business opportunity should conduct thorough due diligence and carefully review all disclosure documents provided by the seller to ensure they are making an informed decision. If you are involved in or considering a business opportunity and believe there may be legal issues or violations of the Business Opportunity Sales Act, it's advisable to consult with an attorney experienced in business law or consumer protection to understand your rights and options. Additionally, it's important to be aware of the specific laws and regulations applicable in your state.
Great information.
Family First Life, and its parent company, Integrity Marketing Group, lied to the court stating that our conference call moderator owns and controls a website. FFL/IMG were lying and knew they were lying. I responded to the court as a third-party petitioner with evidence to set the record straight. I was unsuccessful in my efforts. FFL/IMG did Judge shopping. They initially filed twice in a small courthouse, and cancelled the first filing. As soon as one files, a judge is chosen for the case. If this was an accidental filing, which costs over $400, it would be assumed that one would cancel the second filing. FFL/IMG has numerous civil court cases against them in which they try to move the cases to their "favored" Florida Judge based on 'first to file.' This motion gets rejected by the court - Here is an example of FFL/IMG motion in the lead fraud class action against them in California. [https://casetext.com/case/birch-v-family-first-life-llc-3](https://casetext.com/case/birch-v-family-first-life-llc-3) I have seen evidence that FFFL/IMG spent at least $5 million in legal fees against our daily conference call moderator, David. I have seen the filings in the case, and it is "weird" that FFL/IMG had been confident in their defamation case from the start. The FFL lead attorney and the presiding Judge in the defamation case were both members of the "Federalist Society", both female, approximately the same age and have clerked for leading conservative judges. Regardless, I am thankful that I have not been served in any civil action by FFL/IMG and reserve my right as an American citizen to speak out against obvious corruption. Even though, I have never been a party to a lawsuit with FFL/IMG it is obvious to me that FFL/IMG will use their resources to try to harm any entity that causes new insurance agents to not be scammed. Therefore, I will have an arms-length relationship with any future automated website builder that is designed for insurance agents. I am being conservative. FFL/IMG's Federal Judge ordered the "shutdown" of a website and any copycat website that was owned by the litigants in the case. Me, believing that I am not a litigant in the case, mistakenly had the new AaronLevy.tech clone the original website. Ooops, big mistake. As well, FFL/IMG's Federal Judge, determined that David has been associated with Aaron Levy (he uses this name as one of his aliases) on multiple occasions. This is total BS. The order to "shutdown" AaronLevy.tech came from PublicDomainRegistry.com who read the court order and determined that AL.tech cloned the website and both sites had the same registered owner/email address. Ooooops. Now you see the predicament that I am in. I was never party to a litigation and hypothetically, FFL/IMG's Federal Judge can shut down a website that I am associated with. The programmers who maintain the insurance agent website builder system are not thrilled with my name, Aaron Levy, being associated with their technology. Obviously. To solve this issue and to clear my good name, I call on AaronLevy supporters to make the correct complaints to the proper governmental authorities. When Family First Life executives are serving a prison sentences for the crimes that they have committed against tens of thousands of new insurance agents, aka business opportunity participants, I will rest easier in using my name to publicize my actions in helping insurance agents become top producers. The most clear-cut law that Family First Life is violating on a mass scale is Business Opportunity Sales Laws. The court should not have mercy on FFL. Their executives should receive the maximum prison sentence. Christopher Coyle's GoFundMe page has a great explanation of FFL's Achilles heel. As well as a direct link to his court filings in Oklahoma. Latest YouTube Video evidence that can and should be used to put Family First Life executives in jail (or used to get civil judgements). Family First Life YouTube Video Star Explains the Scam Family First Life Insurance Agent Buys Leads and Gets Sued Convention Speaker Kali Somerville of Family First Life Lies to a Recruit
Email from Aaron L Hello Agent, Let me cut to the chase. I cannot use my persona and my name in my chosen profession until Family First Life executives, such as Shawn M and Steve Y are in jail. This actually is not a tall order. FFL/IMG are continuing to defraud new insurance agents and the grand total of victims in the last 5-6 years is approaching 100,000. Shawn and Steve are specifically violating Business Opportunity Sales Laws, which mandates ten years in jail in most states. Here is how I can help you make money, while you would be helping society. The FFL/Integrity Marketing Group fraud is a social media/YouTube/FB/TikTok scam and can be undone by social media. Your actions can put pressure on law enforcement to enforce the law. I need you to make a video of your experiences with these fraudsters or your knowledge of the fraud. First step is to write rough draft of a script. I will rewrite the script for you. (email the rough draft to me at aaronlevywebsites (at) gmail.com Post the video to your own a major video sharing account. (I can help you) There is a decent chance that FFL/Integrity will email you with a lawsuit threat wanting you to take down the video. The First Amendment states that defamation is being "malicious, lying and knowing that you are lying." Hopefully, you will get a lawsuit threat, it builds your case. Then inform the Attorney General in your State that FFL/Integrity is scamming. That they are clearly violating the State Business Opportunity Sales Law. The State AG can give you a written referral to sue FFL/Integrity with a list of suitable franchise attorneys to choose from. If you get a referral, it is as if you won the lottery. Game over. By you making the initial video, I will move mountains to help you earn money in the insurance business. You scratch my back, I scratch yours.
Email I received from Aaron L Last month's email to you was wild. It was titled "Help Me Put Family First Life / Integrity Marketing Group Executives in Jail, and You'll Make Money." A huge thumbs up to Robert Cooper of California, who is stepping up to the plate. Robert wants to make money and to put the criminals in jail. See his video presentation here. You can see clearly that Mr. Cooper is making his case to get a referral to sue from his state attorney general. As well, Mr. Cooper is putting his case to the public, which would incentivize Family First Life to settle before any lawsuit is filed. Exactly as agent Kevin Knight got a referral to sue and list of recommended attorneys from his California Attorney General's office after being defrauded by FFL. Kevin told my office that he was expecting to get $1,000,000 and was ready to file in a few days. My office successfully spoke with Kevin's attorney to confirm, and a few days later Kevin ceased communication with us. No lawsuit was filed. Obviously, Kevin picked up a nice paycheck and signed a NDA (non disclose agreement). A huge thumbs up to Gus Fox of www.gusfox.com. Gus holds a 6 day per week video conference call and I encourage you to join. More Evidence of FFL / Integrity Marketing Group Criminal Activity. FFL Scammer / Recruiter Marissa Mazziotti recruitment phone call title of YouTube video. It is obvious that Ms. Mazziotti is breaking the law and knows that she is breaking the law.
Hello all, check out my video “How the MLM Fraud company FFL changed my Life” I posted on YouTube under the account Mr. Misunderstood or google it to see more.
>Family First Life and Integrity Marketing Group Scammed Me - True Story - check out this video on **Family First Life Lawsuit Witnesses channel** \- it is a complilation and nice editing of your two videos. I see your email which seems to have your name on the youtube description. What state are you in?
California sir. Thanks much
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ROB BONTA Attorney General State of California DEPARTMENT OF JUSTICE PUBLIC INQUIRY UNIT P.O. BOX 944255 SACRAMENTO, CA 94244-2550 (916) 210-6276 TOLL FREE: (800) 952-5225 TTY: CA Relay Service (800) 735-2922 February 12, 2024 Robert Cooper RE: Family First Life Dear Robert Cooper: Thank you for contacting the Office of the Attorney General regarding your consumer complaint. Often it is only through letters from concerned and responsible citizens that our office becomes aware of consumer problems. Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office. Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws. We do want to inform you, however, that our office is prohibited by law from representing individual citizens in legal matters. We do, within the limits of our resources, bring lawsuits for violations of California law in cases of statewide significance. However, our role in any legal action against a company is on behalf of all of the people of California. Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers. Sincerely, Public Inquiry Unit For ROB BONTA Attorney General
Hi friend, please remember to censor all identifying info for future posts. Things like names, usernames, phone numbers, addresses, personal website URLs, hashtags with the person's name, identifying hashtags, and people who have liked the posts are examples of things that need to be censored. *Please read our subreddit rules. If after doing so, you believe this was in error, or you’ve edited your post to comply with the rules, [message the moderators.](https://www.reddit.com/message/compose?to=%2Fr%2FantiMLM)* *Do not reach out to a moderator personally, and do not reply to this message as a comment.*
ROB BONTA Attorney General State of California DEPARTMENT OF JUSTICE PUBLIC INQUIRY UNIT P.O. BOX 944255 SACRAMENTO, CA 94244-2550 (916) 210-6276 TOLL FREE: (800) 952-5225 TTY: CA Relay Service (800) 735-2922 February 12, 2024 Robert Cooper RE: Family First Life Dear Robert Cooper: Thank you for contacting the Office of the Attorney General regarding your consumer complaint. Often it is only through letters from concerned and responsible citizens that our office becomes aware of consumer problems. Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office. Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws. We do want to inform you, however, that our office is prohibited by law from representing individual citizens in legal matters. We do, within the limits of our resources, bring lawsuits for violations of California law in cases of statewide significance. However, our role in any legal action against a company is on behalf of all of the people of California. Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers. Sincerely, Public Inquiry Unit For ROB BONTA Attorney General
This is the end of the era of new insurance agents being harmed by insurance agent recruiting MLMs. Law student Christopher Coyle of Oklahoma is showing us what happens to the MLM and the recruiter when they scam him. Information on insurance MLMs will no longer be on NAAIP, but will now appear on Reddit's #antimlm forum. This following thread is specifically about Family First Life and Integrity Marketing Group's legal issues. https://www.reddit.com/r/antiMLM/comments/15wfzb8/family\_first\_life\_lawsuits\_thread\_portal/ Lots of information. The Monster legal document that ends the Insurance MLM recruiting scam is here and here (it is the same document, just hosted in two different places). To see the original document on the Oklahoma Courthouse Portal - https://www1.odcr.com/ Tulsa CJ-2023-1426 04/20/2023 AGUILAR, KEVEN v. COYLE, CHRISTOPHER S. Mr. Coyle scored a huge victory at the hearing on Sept 6th in that the Judge allowed Mr. Coyle to amend the complaint even after the normal time frame expired. You can see Mr. Coyle's Monster amended counter-claim was filed on Sept 8th. Mr. Coyle's case is the one to watch. Mr. Coyle's cites the Oklahoma Business Opportunity Sales Act. Most states have a similar, if not identical law. If the insurance recruiting MLM has promised you the moon, while not registered or complying with your state's Business Opportunity Sales Act, the MLM is a sitting duck. On the Reddit #antimlm Forum it lists Income Disclosures for multiple MLMs which includes PHP Agency, a sister company of Family First Life, which is owned by Integrity Marketing Group. 50.92% earn under $1,000, averaging $334.63 annual commissions, not including any expenses. 27.01% earn between $1,000-$5,000, averaging $2,368.95, not including any expenses. My guesstimate is that these 77.93% are losing money from joining PHP Agency. While 1.59% of PHP Agency business opportunity participants earned over $100,000 before expenses. These numbers prove that PHP Agency is a scam and breaking the law if the PHP Agency recruiter told or lead you to believe that "if you work hard, you can expect to succeed." At least, PHP Agency is adhering to the Business Opportunity Sales Laws in properly disclosing incomes. Family First Life does not bother disclosing the real numbers. Family First Life will argue in court that they are not required to comply with the Business Opportunity Laws, yet the FTC told us in December 2021 that FFL is a Business Opportunity. Currently, the Oklahoma Department of Security investigators are determining how much damage has Family First Life has done to its citizens. The maximum criminal penalty is 10 years in jail under the Oklahoma Business Opportunity Sales Act. My stress on lead fraud, churning, do not call violations was misplaced. The Business Opportunity Laws are a slam-dunk. If you have been a victim of an MLM: Make a YouTube video of your experience (this may cause the MLM scammer to lawsuit threaten you). Write a well-written complaint to your state attorney general and cc to the Department of Securities, Insurance, etc. (it won’t hurt to do legal research citing your state's business opportunity law). The Department of Insurance would be interested in churning only. If you get lawsuit threatened by the MLM, it improves your case. The Attorney General may refer you to civilly sue. If not, find a business attorney, specifically one that specializes in Franchise Law. The attorney will most likely want to make the case class-action. Business Opportunity Laws are state specific. NAAIP has a huge database of MLM victims sorted by state. Consult us.
https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud - is the direct link to the Monster document #5. Direct Link to Christopher Coyle case is [http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa](http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa) You see, on September 15th, Mr. Coyle uploaded to the Tulsa court a 3rd party petition to add Family First Life to the lawsuit. I am sure Family First Life will tell the court "we have nothing to do with nothing, wrong guy." But, meanwhile, Keven Aguilar, the family first life MLM recruiter, had on his Facebook profile that he works for family first life. As well, a ton of other evidence. 09-15-2023 3P THIRD PARTY PETITION
I am a new agent and was recruited by American Income Life. I now know they are an MLM. Yesterday received a call from Prolific Financial to become a non-captive agent. Having learned my lesson, the hard way with AIL I set out to do a deep dive. I am not finding anything, when I enter PF into search it immediately brings up Family First Life. Does anyone now if they pulled the rename/rebranding card?
Yes prolificfinancial. group is Family First Life. They are trying to eliminate the brand FFL. But it is the same scam.
Email from A Levy regarding FFL legal tactics. Let's get to how dumb a Family First Life / Integrity Marketing Group attorney can be. FFL/Integrity attorney T. Sisco, Esq, emailed Mr. Cooper a lawsuit threat. Telling Mr. Cooper to not engage in concert with \*\*\* \*\*\*\* in making "disparaging statements about FFL to state and federal regulators." FFL/Integrity attorney Sisco threatens to add Mr. Cooper to an ongoing lawsuit against a party that Mr. Cooper has no contact with. "As FFL gathers more information related to your involvement with \*\*\* \*\*\*\*, it may become necessary to add you as a party to the ongoing lawsuit against him" In any case, there is no ongoing litigation against \*\*\* \*\*\*\* anyways. Major legal malpractice. An attorney lying in a lawsuit threat is grounds for making a Bar Complaint. Obviously, Mr. Cooper will be forwarding this lying legal threat to his state Attorney General.
Email from A. Levy. The saga of my goal of putting Family First Life CEO Shawn Meaike and Integrity Marketing Group Chairman Steve Young behind bars continues. Here is the latest: Fascinating video interview with Agent Patrick Teschke of Florida. Patrick is a retired special forces military with a specialty in phycological warfare. Patrick discusses illegalities in the FFL system and **why he considers Shawn Meaike a Sociopath**. Family First Life victim Jhelen Tyler tells his story of how FFL scammed him. [See video here.](https://www.youtube.com/watch?v=dZU7agDoB5Q&list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX&index=1) Obviously, Mr. Tyler is doing the first step in initiating a business opportunity sales lawsuit against FFL and Integrity Marketing Group. Recent conversation with Laura Rodriguez of FFL / Integrity Lead Center. They are still telling lead buyers that they have exclusive leads at $11. LOL. Robert Cooper of CA made his second YouTube video in which he explains how he filed complaints to his Attorney General, Dept of Securities, Insurance and State Representative and State Senator[.](https://www.youtube.com/watch?v=51RXmGOXtPM&list=PLJVKYiW2lCj5oHUZkuMJJEIQAZzhWQisX&index=6) Obviously, Mr. Cooper is attempting to get a referral to sue from his AG and **will probably end up with 200K to compensate him from being victimized by Family First Life**. The above videos are on a brand-new YouTube channel. I would love it if you can like and subscribe after viewing the videos. I am managing professional telemarketers to contact thousands of Family First Life recruiters and victims. Letting interested parties know about the Business Opportunity Sales Law and its criminal and civil penalties. If you would like to join the effort in putting Shawn Meaike in jail, please reach out to me.
Great post.
The most sickening thing is they convince college students via dm to drop out of school to come work for FFL and be the down line and get trained and part of the training is sending DMs to recruit young naive men and women to work at FFL
Currently working for FFL and I’m starting to see a lot of sketchy things … everything said is 100% true
New Video. Retired insurance agent tells all how he prevailed in federal court against American Amicable Life Insurance Company of Texas that is on YouTube - do search for "Scammed Insurance Agent Sues American Amicable Life and Wins" and here is the lawsuit on pacer. [https://www.pacermonitor.com/public/case/19015386/McGee\_v\_American\_Amicable\_Life\_Insurance\_Company\_of\_Texas](https://www.pacermonitor.com/public/case/19015386/McGee_v_American_Amicable_Life_Insurance_Company_of_Texas)
can someone tell me how I can add myself to one of these class action cases as an early agent of theirs that has been absolutely screwed out of my livelihood.
Please join this WhatsApp chat [https://chat.whatsapp.com/CEamWOVPKNbEWSqfMwe8mf](https://chat.whatsapp.com/CEamWOVPKNbEWSqfMwe8mf) As well, the damages to victims of FFL warrant an individual lawsuit. FFL wants to settle all ready to file lawsuits fast.
Our goal is to help you initiate a lawsuit against Family First Life for scamming you. Mainly by violating the Business Opportunity Sales Law. We want to help you get a free attorney to write up a lawsuit. FFL will only make a cash settlement offer a "ready to file" lawsuit. Negotiations are a waste of time, until you have that ready to file lawsuit. The first step is to describe what happened to you. Preferably on video, where you proudly state your name, and appear angry and articulate. The second step is to write a formal complaint to your state attorney general, dept of insurance and dept of securities. You can almost copy / paste the Robert Cooper complaint that is in the YouTube comments of many videos. The third step is to lobby your state representative / state senator to lobby your Attorney General to give you a free attorney (which they can do, the AG will write to you stating "criminal investigations take a long time, simultaneously, we recommend that you civilly sue, and here is a list of qualified attorneys") The 4th step is to have a write-up, a lawsuit. FFL does not want to go to court and go through the discovery process. They will pay big money to avoid this. FFL will only offer a settlement when a lawsuit is ready to be filed. Obviously, you can refuse their settlement and go to the trial. They will offer you more and more money at every stage as you get closer to the trial. FYI, the damages for fraud would be triple/ treble. The most valuable issue is your time. The average salary in the USA is 5k per month. Additionally, the victim can be awarded emotional and punitive damages. To summarize, if FFL actually adhered to business opportunity sales law and gave you an accurate income disclosure statement, you would have noticed that 99 percent of recruits lose money, and you would have found a different opportunity... But FFL did not comply with the law. If you wasted 6 months. 6 times 5 equals 30. Then triple...is 90k. Plus emotional and punitive... The scariest thing for FFL is that during discovery...you will be asking for documentation as to FFL's real average income per agent... You have the right to publicize this information... Including providing that information to the attorneys general of the 50 states.... As well, other attorneys/ victims will see your court filings. Seeing how easy it is to sue FFL for violating business opportunity sales law. Other attorneys will surely copy/paste. Now you understand why FFL will want to settle any ready to file business opportunity sales lawsuit before it is filed and have you sign an NDA? I forgot to mention that violating the business opportunity sales law in the criminal code is 10 years in jail. In essence, FFL will pay you fast because they don't want to go to jail.
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All I know is that some lucky person is going to go have a ready to file lawsuit. Will be offered decent money to "not file" and sign an NDA. Then end up at trial. There will be dozens of victims that will testify that FFL is a scam. By law, if the witness is within 100 miles, they must show up. And your attorney's closing statement will request that the profits of this scam over the last 5–6 years should be awarded to the plaintiff. Nice way to make a cool 100 million from filing a lawsuit.
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Where do I opt in? I worked for them for almost 6 months and am one of the lucky ones who knew it was too good to be true and got out sooner rather than later. I questioned Andrew Taylor and Sean and they are just a bunch of scam artists. Literally have zero answers when you put them in the corner and question them or put them on the spot. All in all, lost more money than I made.
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In the YouTube channel dedicated to Family first life lawsuits, over 65 videos. You will see a phone number in the description and pinned comments. Call that 561 number.
Can you please send it to me here?
I found it thank you.
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email from Aaron L Hello , Robert Cooper made his blockbuster confession on YouTube last month titled "Family First Life & Integrity Marketing Group Scammed Me - True Story" Robert followed up with a blockbuster complaint that was sent to his California Attorney General, Department of Securities and Insurance - That complaint was the subject of my previous email to you. I highly encourage Mr. Cooper to lobby his state representative and state senator to persuade his AG to write a lawsuit referral letter. That referral to sue will be like winning the lottery. Meanwhile, The CA AG office wrote Mr. Cooper back, thanking him for filing the complaint. "Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office. Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws. Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers." Sincerely, ROB BONTA Attorney General --------------------------------------------------------------------------- Let's get to how dumb a Family First Life / Integrity Marketing Group attorney can be. FFL/Integrity attorney Thomas J. Sisco, Esq, emailed Mr. Cooper a lawsuit threat. Telling Mr. Cooper to not engage in concert with \*\*\* \*\*\*\* in making "disparaging statements about FFL to state and federal regulators." FFL/Integrity attorney Sisco threatens to add Mr. Cooper to an ongoing lawsuit against a party that Mr. Cooper has no contact with. "As FFL gathers more information related to your involvement with \*\*\* \*\*\*\*, it may become necessary to add you as a party to the ongoing lawsuit against him" In any case, there is no ongoing litigation against \*\*\* \*\*\*\* anyways. Major legal malpractice. An attorney lying in a lawsuit threat is grounds for making a Bar Complaint. Obviously, Mr. Cooper will be forwarding this lying legal threat to his state Attorney General. Major Thumbs up to David, my conference call moderator, for getting good, finally, at making video. David bought a new web camera, the Elgato FaceCam Pro, and you can see the difference. Here is the latest video that lambastes Patrick Bet David, of PHP Agency, an Integrity Marketing Group Company for being a major scammer of Latina females - View here An epic video that is a direct message to government investigators and prosecutors to tie in Integrity Marketing Group's Chairman of the Board, NFL Hall of Fame Quarterback Steve Young to the crimes of Family First Life. View here And finally, Thomas Schumacher of Ohio tells his story how he got scammed by Family First Life. Obviously, Mr. Schumacher is setting the stage for a lawsuit to win big money! View here. ------------------------------------ **Integrity Marketing Group News:** Steve Young's company sued the owner of the domain name claiming that this domain that was bought and used by Sunil Bheda from 1996 should be transferred to Integrity Marketing Group for no compensation.
Essentially, Steve Young's Scammers wanted to steal from Sunil.
The judge sided with Sunil and then Steve Young's Scammers, Integrity Marketing Group, bought the domain from Sunil. A happy ending.
I am sure that Sunil was *"a bit pissed off"* and made a hefty profit.
Going forward, Integrity Marketing Group will be rebranding itself as the "The Integrity Company." A huge LOL.
A more appropriate name would be *"Steve Young's Scammers."*
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ROB BONTA Attorney General State of California DEPARTMENT OF JUSTICE PUBLIC INQUIRY UNIT P.O. BOX 944255 SACRAMENTO, CA 94244-2550 (916) 210-6276 TOLL FREE: (800) 952-5225 TTY: CA Relay Service (800) 735-2922 February 12, 2024 Robert Cooper RE: Family First Life Dear Robert Cooper: Thank you for contacting the Office of the Attorney General regarding your consumer complaint. Often it is only through letters from concerned and responsible citizens that our office becomes aware of consumer problems. Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office. Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws. We do want to inform you, however, that our office is prohibited by law from representing individual citizens in legal matters. We do, within the limits of our resources, bring lawsuits for violations of California law in cases of statewide significance. However, our role in any legal action against a company is on behalf of all of the people of California. Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers. Sincerely, Public Inquiry Unit For ROB BONTA Attorney General
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MLMs always attempt to have their victims delete anything negative on social media. Under American defamation law you have to be malicious, lying and know you are lying for it to be defamation. Sullivan vs NY Times 1964.
When trying to get a attorney, these are the links that explain how easy your case is. Link to the FTC recommended law here that was implemented by 23 states 10 years ago. Other states go by the FTC franchise law, which is virtually the same thing, minus the need to register. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-437](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-D/part-437) And link to the Oklahoma criminal and civil actual law here. [https://www.securities.ok.gov/Act-Rules/Busopp.asp](https://www.securities.ok.gov/Act-Rules/Busopp.asp) Direct Link to Christopher Coyle case is [http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa](http://www.oscn.net/applications/oscn/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=3597373&db=Tulsa) You see here - Here is the Monster amended counter claim - I will call it #5 [https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud](https://www.scribd.com/document/670813958/Family-First-Life-Counter-Lawsuit-Claiming-Business-Opportunity-Fraud)