actually It does not force you buy anything and has very good sa

Unlike other Rate Club, this one never force member buy anything.

There are enough negetive images in personal financial industry. The middle class is less serviced class.

The only thing every one need to know is never buy anything you do not fullly understand.

I have talk to a few insurance, financial sales. All of them do not tell the negtive side and admin cost of those policy. They only tell the expected return. The good side.

I spend a year and talk to many people to understand how to use VUL and other insurance/investment products. A WFG CEO helped me a lot.