This broker is a multi-level marketing business, and they focus on adding to the team for residual income. The reason why they pressure you to get three recruits and have your "trainer" sell and close on three life insurance applications is not really for you but them. This 3-3-30 is how agent trainers earn their monthly commission from the recruits. They will tell you its to build your team but if you're not licensed the reality is it's to build their team. They hurry you to bring in people before you are licensed so if they sell and close on any of them they get the full commission. Hence, the 30 days reward because you helped them make money. You make no commission just get a small plaque reward in the name of "training." However, if you don't keep up with the momentum and be consistent in bringing in recruits, you can get demoted and have to start all over again. Even if you get your license and meet the requirements, your up-line has the final say before you can go and sell on your own. Another is the agent trainer will not let you advance until you buy life insurance from them. Just know that according to the WFG internal sales personnel it's not mandatory to get life insurance to be in the business. However, your agent wants to make a commission from you and can control your progress if you don't. I'm surprised no one has filed a complained to the Department of Labor cause that's a lawsuit. How many people out there complied and purchased just to be in the business. No one should be forced to buy the product to be in business. WFG is a hierarchy that depends on the number of agents in a team and the number of sells on financial services to make weekly incomes. This is why your up-line will try to squeeze every warm market referral from you before you are on your own. The goal is for them to make money in the name of training. Agent trainers train recruits by giving presentations to the new persons' warm market. If they sell and close after the presentation the trainer gets the full commission because the new recruit isn't licensed. This is what makes it a MLM business. In addition, it's never your business because you are not co-owner and your up-line oversees your actions in the business. Yes, you file all business expenses in the tax form 1040, schedule C if you don't make any profits or itemize in a tax form 1099 if you make profits (must save all receipts on business expenses from mileage to dinners. Must exceed a certain amount based on income). Just know that your up-line will constantly receive pressure from their up-line and bring it down to you. There is no respect for business hours so your up-line will send you texts at 11 pm or 2 am. Also, your up-line may request for last-minute mandatory meetings, and it doesn't matter if you already have plans. They will make you feel bad if you are not present. If you are sick, it doesn't matter. You look bad to your upline they prevent you from moving forward. Plus, you don't get paid to attend mandatory activities, events, or meetings. Instead, you pay for everything in the business even for more information on the business; for example, you have to treat your up-line to gift cards, lunches, and dinners. The only time you get paid is if you sell and close in a presentation and get the commission. Lastly, even if you are licensed your up-line may demand you share the commissions, and it doesn't matter if it's your referral, you set the appointment, and gave the presentation. Your up-line will not let you go until they've squeezed every penny from you. As an agent on your own, your up-line will continue to receive income of 10-15% in overrides of all your and your team's sells. This multi-level activity pays everyone in your up-line, and that's how they get their big paychecks. Your grunt work helps the up-line and yourself, and you make money from your down-line. read more