Re: Re: Re: Re: world financial group div. of Aegon,N.V.

Subject: Re: Re: Re: Re: Re: world financial group div. of Aegon,N.V.

Comments:
: 10. See the following popular business-publication, consumer, et al., web-sites for : information about Variable Universal Life(VUL) insurance, finance, and annuities: : FINANCE: : Consumer Federation of America: : http://www.consumerfed.org/backpage/pubs.html(publications/downloads) : http://www.consumerfed.org/backpage/press.html(press releases/downloads) : Dave Ramsey Radio Show(Includes Internet Broadcast) : http://daveramsey.com/ : American Express Financial Library : http://library.americanexpress.com/htdocs/amex/library_article.jsp?tid=2386& : Hugh’s Mortgage & Financial Calculators : http://www.interest.com/hugh/calc/ : Money Magazine Financial Calculators : (Should Include Some Sort of Estate-Tax Calculator) : http://cgi.money.cnn.com/tools/ : Smart Money University : http://university.smartmoney.com/ : Money Magazine Top 100 Mutual Funds : http://money.cnn.com/funds/money100/ : http://money.cnn.com/pf/investing/portfoliorx/ : Morngingstar Fund Search : http://www.morningstar.com/Cover/Funds.html?topnav=funds : Steven Kaufman Breaking the Code of a Fund/Company Prospectus : http://www.individualinvestor.com/invuniv/mutually_allusive.asp : INSURANCE: : Money Magazine Series(Follow Links) : http://money.cnn.com/pf/insurance/ : Kiplinger Letter Series(Follow Links) : http://www.kiplinger.com/basics/managing/insurance/cashval3.htm : Business Week Article : http://www.businessweek.com/1998/15/b3573139.htm : Detroit News on VUL/WMA : http://detnews.com/1999/business/9911/28/11280014.htm : Detroit News: Avoid VUL(01/19/01) : http://detnews.com/2001/business/0101/19/b05-177585.htm : Motley Fool on Life Insurance : http://www.fool.com/insurancecenter/life/qa/06.htm(general) : http://www.fool.com/insurancecenter/life/qa/05.htm(cash value vs. term) : http://www.fool.com/insurancecenter/life/qa/07.htm(term insurance) : Consumer Federation of America(CFA) : http://www.consumerfed.org/insurance.pdf : CFA Actuary James Hunt Cash-Value Insurance Illustration Evaluation Service: : http://www.consumerfed.org/rorflyer.pdf : Consumer Reports(July 1998) "Who Needs Whole Life" : http://www.consumerreports.org/main/home.jsp : Term Life Quotes(Check All, Then Compare) : http://termlifecenter.annuity.com/ : http://www.quotesmith.com/ : http://www.term4less.com/ : http://www.term-life-quotes.com/ : http://www.intelliquote.com/ : http://www.selectquote.com/(you have to submit personal information) : NASD Regulatory Warning 96-86 on Variable-Product Sales : http://www.nasdr.com/pdf-text/9686ntm.txt : ANNUITIES: : Electric Law Library on Annuities : http://www.lectlaw.com/files/inv15.htm : LA Times on Variable Annuities : http://www.latimes.com/business/la-000067400aug19.story : LA Times: Variable Annuities Can Benefit a Few : http://www.latimes.com/business/la-000067405aug19.story : Kiplinger on Annuities : http://media.kiplinger.com/feature/insurance/archives/1998/December/va2.htm : Morningstar.Com on Annuities : http://news.morningstar.com/news/Wire/0,1230,1971,00.html(Also follow link to other article about “variable annuities”). : http://news.morningstar.com/news/MS/Article/0,1299,389,00.html(Links from Other Article) : Smart Money University on Annuities : http://university.smartmoney.com/departments/investing101/otherinvestments/index.cfm?story=annuities : Variable Annuity Online : http://www.variableannuityonline.com/ : SEC on Annuities : http://www.sec.gov/investor/pubs/varannty.htm#wvar : (Direct Source) : http://news.morningstar.com/news/Wire/0,1230,1971,00.html : NASD Directive 99-35 on Annuities : http://www.nasdr.com/pdf-text/9935ntm.txt : TAX CONSEQUENCES & FORMS : http://www.irs.gov/ : Also read the article entitled “Who Needs Whole Life?” in the July 1998 issue of Consumer Reports (http://www.consumerreports.org/). : The author discusses cash-value life insurance in general. VUL is a type of cash-value insurance. I am not certain if access to the article is free on the web-site, but many libraries carry the publication Consumer Reports. : Consult a Chartered Financial Analyst(http://www.aimr.com/) : or better yet, an actuary, for an independent and unbiased opinion about Variable Universal Life insurance. For any evaluation of a particular policy sold to you by a WMA insurance salesman, take a copy of the actual company prospectus with you(probably about 100 pages long). If you are in school, take the prospectus to your math professor for an unbiased opinion. The WRL VUL prospectuses I have seen don’t even cite a figure for the Cost of Insurance in the sole illustrated example(35-year-old male nonsmoker...). Since the Premium is equal to the Cost of Insurance + the Amount Invested Into Cash Value, not mentioning either of the latter 2 variables seems a clear and deliberate omission intended to mislead the customer. Either may be easily derived from said example by anybody with a modicum of knowledge of mathematics(i.e., strictly avoid anybody in the WMA). : Actuaries must pass a series of rigorous mathematical examinations, and are the experts who actually design insurance policies and benefit plans. The Actuarial Board for Counseling and Discipline has links for its member organizations (http://www.abcdboard.org/link.htm). : Unlike members of the WMA, they must subscribe to a code of ethics. I have demanded of WFG/WMA CEO Humphrey and his crook minions numerous times that they provide specific refutation of any of my mathematical claims about the VUL and VA policies they sell(e.g., with respect to cash-value loss, estate taxes, etc.) by a true actuary(signed, scanned, and posted onto the official WFG/WMA web-site), which I would also immediately submit to the Actuarial Board for Counseling & Discipline, FTC, and US Securities & Exchange Commission, et al. Similarly, I have asked Humphrey himself to refute them and post his refutation in affidavit form(signed and notarized) on the official WFG/WMA web-site where everybody, including securities regulators, can read them. Not even the numerous phony “engineers” and self-proclaimed “financial experts” at the WFG/WMA can manage to do this one simple thing, preferring to pollute others’ web-sites with their fraudulent claims, usually posted “anonymously,” or under names, which, upon examination, prove to be false. Obtain any independent and competent opinion, and you will discover the information to be correct. : 11. The FTC can now hold members of multi-level-marketing firms completely responsible for the claims they make about the products of the parent firm. They are, in fact, responsible for researching and verifying the claims before passing them along to the unwary consuming public. : <<If you decide to become a distributor, remember that you're legally responsible for the claims you make about the company, its product and the business opportunities it offers. That applies even if you're simply repeating claims you read in a company brochure or advertising flyer. : When you promote the qualities of a product or service, you're obligated to present those claims truthfully and to ensure there's enough evidence to back them up. The Federal Trade Commission advises you to verify the research behind any claims about a product's performance before repeating those claims to a potential customer.>> : -Federal Trade Commission : (http://www.ftc.gov/bcp/conline/pubs/alerts/lotionalrt.htm). : If you are unable to understand what is in the actual WRL Series Fund 100-page plus prospectus, do not sell the product. Save all classroom materials, sales illustrations, etc., given to you by the WMA and send copies to the SEC, FTC, your state securities regulator, your state attorney general, your state department of insurance, and the NASD. If you were misled as an agent, you may wish to contact regulators anonymously by e-mail first. Many former WMA agents are victims who were simply targeted for VUL sales themselves, and to obtain a list of their friends for their upline sponsor to bilk before the agents themselves completed training or could earn commissions. : It is important to note that under the US Securities Acts of 1933 and 1934, each and every “upline” hierarchy superior of a multi-level-marketing distributor is both criminally and civilly responsible for that employee, and for his proper supervision. : 12. Beware: Persons in multi-level-marketing organizations like the WMA often prey upon even church congregations. You may wish to remind your minister or priest of John 2: 14-16, for example, if this becomes a problem at a church you attend. WMAS sued Richard Fischl's widow to keep from paying her off after he had husband bought phony securities from a WMA agent who had infiltrated his Bible-study group(WMA Securities Inc. v. Ruppert, S.D. Ohio, Case No. C 1 99 492) Richard Fischl committed suicide after being swindled out of his life savings(as reported in the May 2000 issue of Money). The WMA also preys upon immigrant groups: both constitute what is referred to as affinity fraud: : Affinity Fraud Warning(California) : http://www.corp.ca.gov/pressrel/nr9913.htm : Affinity Fraud Warning(New York) : http://www.oag.state.ny.us/investors/affinity.html : 13. For additional information/advice: Contact radio-talk-show host and financial advisor Dave Ramsey, who broadcasts over the Internet(http://daveramsey.com/). : He has discussed the WMA and their primary product, Variable Universal Life insurance, on a number of occasions, warning all listeners to simply avoid the WMA. You may wish to contact radio-talk-show host and financial advisor Don McDonald http://www.donmcdonald.com/). : Just mention VUL to him. : 14. Any and all misrepresentations by WMA agents should additionally be reported to your state securities commission (http://www.nasaa.org/nasaa/abtnasaa/memberweb.html) and state attorney general (http://www.naag.org/about/aglist.cfm). : 15. Beware of the totalitarian cult mind control tactics employed by the WMA in brainwashing recruits. In addition to the previous links, you may wish to see: : http://www.reallyweirdstuff.com/howtobesuccessfulcultleader.htm : http://ex-cult.org/ : http://www.caic.org.au/zcommerc.htm : When recruiting you, WMA agents may produce a profile including your political and religious beliefs, educational and professional background, personal information about your family, etc. At your first “business” meeting, you will no doubt “miraculously” encounter persons with markedly similar backgrounds and beliefs. Most of your free time will soon be occupied by WMA/WFG activities(meetings, etc.), which isolates you from contact with rational friends and family members. You will likely eventually be told to end contact with “negative” persons, including being ordered to divorce spouses who will not engage in the WMA’s criminal enterprises. Cult indoctrination usually involves chanting meaningless phrases and words(such as “woooosh”) playing child-like games. Agents are taught to chant many meaningless phrases, intended to stifle critical thought, such as “build wealth for families.” After doing so, it never occurs to the brainwashed recruit to investigate to determine if the WMA really is accomplishing this purported hoped-for result, i.e., building wealth for families. The WMA also blasts pop music and parades people around on stage at these phony business meetings, much reminiscent of Hitler’s Nuremberg Rally. : 16. The WFG/WMA purports to “train” employees through WMA “University.” I was somehow unable to find a rating for the WMAU in any of publications such as Fiske's "Selective Guide to Colleges," so have these questions about this school/training: : (1) What are the criteria for rating the program? : (2) What are the entrance and graduation requirements? : (3) Are there any median(e.g.,) standardized test-score data(SAT, GRE,...), or has a valid statistical change in some variable such as adult socioeconomic status or adult income been observed, which might bolster this claim(and, as compared to a matched control group)? : (4) By what academic associations is the WMA accredited and endorsed? : (5) What type of degree or certification does one receive, and what is its price? : (6) What courses are offered in the curriculum, and what texts are required? : (7) What percentage of instructors have received doctoral degrees(master's degrees, bachelor's degrees, GED certificates...)? : (8) Do these teachers teach only in their recognized fields of : expertise(whatever they may be)? : (9) What institutions or professions recognize the certificate/diploma? : Information about the WMAU Faculty may be found at : http://www.wmavu.com/members/Staff.htm(If they haven’t taken it down after my complaints to regulators) : http://communities.dotplanet.com/default.asp?gid=13657& : The WMAU Senior Vice President, Kent Davies, e.g., who is listed at the head of the "WMAU Faculty" list, lists Soupmasters Inc, Sbarro Restaurants, and GNC-Diet Center Inc. as his only prior employers on his 10-year NASD resume(CRD No. 3240513). NASD on-line broker searches may be performed at : http://www.nasdr.com/2000.htm. : If you are looking for a pay-credit-card-by-telephone, no-information-available-without-password, absolutely-no-refund university to obtain your degree, then WMAU/WFGU is probably the right place, and a shining beacon to all state blue-sky laws. : 17. Here are some additional links regarding the WMA: : ENFORCEMENT ACTIONS: : Report of SEC investigation of WMA(currently pervasive and ongoing): : http://www.investmentnews.com/news/000117-01-000109.shtml : Arizona Corporations Commission : http://159.87.17.5/news/pr11-24.htm : http://www.cc.state.az.us/news/PR01-16.htm : http://www.cc.state.az.us/news/pr04-04a.htm : Nevada Securities Commission : http://sos.state.nv.us/securities/press/103000.htm : Cornerstone Prodigy Group(Ponzi Scheme of WMA agent & multiply-convicted-felon husband) : http://www.sec.gov/litigation/litreleases/lr16371.htm : http://www.secreceiver.com/cornerstone/index.htm(Receivership/Links) : Royal Meridian(Thomas Connolly) : http://www.sec.gov/litigation/litreleases/lr16027.txt : WMA 4 Phony Bank Ponzi Scheme : http://www.sec.gov/litigation/litreleases/lr16736.htm : Ohio FLIC/Miller(Office Supervisor) : http://www.securities.state.oh.us/FinalOrders/FinalOrders99/99-500%09Miller.html(recent problems with link) : Ohio FLIC/Turner : http://www.securities.state.oh.us/FinalOrders/FinalOrders99/99-291%20Turner.html : Ohio FLIC/Eusanio : http://www.securities.state.oh.us/FinalOrders/FinalOrders99/99-293%20Eusanio.html : Ohio FLIC/Sander : http://www.securities.state.oh.us/FinalOrders/FinalOrders99/99-356%20Sander.html : Ohio FLIC/Rothfuss : http://www.securities.state.oh.us/FinalOrders/FinalOrders99/99-343%20Rothfuss.html : Ohio FLIC Donald Wayne Owens : http://www.securities.state.oh.us/FinalOrders/FinalOrders99/99-533%20Owenshtml : WMA/HUMPHREY ARTICLES : Money Magazine WMA Expose : May 2000 issue(no longer linked to Internet) : Investment News(Nash) : http://www.investmentnews.com/news/990726-01-01.shtml : SEC Investigation/Prime Assets Home Loan Fraud : http://www.investmentnews.com/news/000117-01-000109.shtml : CA University Credit-Card Fraud(Use "World Marketing Alliance" Name) http://www.usc.edu/student-affairs/dt/V136/N28/01-company.28c.html : FLIC Ponzi Scheme : http://www.cincypost.com/business/arb032499.html : ChoicePoint on Massachusetts RMIB : http://www.choicepoint.net/choicepoint/scm.nsf/993c8861bf4eb00485256890004 : b6984/95b9732ad2aa6549852568f700650a62?OpenDocument : Hubert Humphrey/A.L. Williams Suit(Note Facts Stipulated to by Humphrey, et al.) : http://www.mlmlaw.com/library/cases/mlm/feddistrict/alkelly.htm : Janice Lo Murder : WMA still will not comment: See San Gabriel Valley Tribune(November 12th 2001, February 6th 2000). : LA Times(November 18th 1996) : Ex-WMA Victims Site : http://www.xwma.org : WMA Financial Report Filings: : See, e.g., http://www.e-analytics.com/ipo/1998/june/wmac.htm

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