A case management conference has been scheduled for January 13th, 2020. Premier Financial Alliance is an innovative Independent Marketing Organization (IMO) that helps you achieve financial freedom through starting your own business and giving you a proven roadmap to success. People from all walks of life, from all around the world, have experienced tremendous success and results from the solutions that Premier Financial Alliance provides. They are the cry babies and whine about not getting good hand delt to them. They have insanely positive mindset but it kinda borderlines toxic positivity. You don't know what you are talking about. Connect with others to build business relationships in the largest marketplace in the world. Access to P-TRAC, a dashboard that allows you to view team production and metrics. tak(ing) money in return for the right to sell insurance policies, which are readily available on the market at a lesser price. Premier Financial Alliance Reviews a Checklist to Prepare Your Family for Unexpected Life Events, Premier Financial Alliance Compiles Easy Money Saving Tips for Young Professionals. Theres even a lawsuit filed against them by prosecuting attorneys in June 2018, claiming that the brand has never sold any of their products, in this case, insurance. Because the Living Life IUL policies are far more expensive than National Life Groups non-Premier Financial Alliance policy alternatives, Premier Financial Alliance agents are unable to sell these Living Life IUL policies outside of the Premier Financial Alliance pyramid. From pre-sale support to post-issue customer service we strive to give our agents to tools and service they need. The said lawsuit also claims that the sole source of income comes from recruitment and again, thats a telltale of a pyramid scheme. Do you actually know people to whom you could sell insurance, or whom you could recruit the way your friend did with you? Easy account access on the go! Life Insurance. He began his career in the financial services at a time when he was . There are lawsuit against PFA, but they are all denied. ", Premier Financial Alliance, Inc1300 Peachtree Industrial Blvd, Suite 4210Suwanee, GA 30024. All it says is that they are selling your dream but if I know, this is a way to attract people. When a company earns most or all of its revenue from recruitment, by definition, it is a pyramid scheme. ", "Before, Iwas making money. Ill be checking in for updates on both cases on July 19th, after which our next scheduled case update will be on or around August 20th. Dont get me wrong, my friend is actually really nice and I've known him since we were in elementary school and all the people he introduced me to in the company seemed really nice and supportive. Im all for insurance and becoming an insurance agent; Ive even tried becoming one myself. Defendants have failed to meet their burden to show, by undisputed material facts, that the parties entered into an agreement to arbitrate the claims here. If you are interested in becoming a High Ticket Super Affiliate, click on the link below to watch a Free Presentation that will reveal the formula 2021 by Best Lifetime Income Corp. All rights reserved. Confirm Email *. Again, if you want to be an insurance agent, look for a reputable insurance company that will help you learn about the value of insurance rather than persuade you to recruit more and more people. There are fees that you need to settle to become a licensed one and more or less, you need to pay $100 to $200 for this. This product represents the next generation of our shared success . This means that the same Californian Judge will hear both cases. We protect the dreams of Middle America through a proprietary financial product that is disrupting the life insurance industry. Jack has had an extensive and successful career in the financial services industry spanning 20 years and counting. It is been in news a lot especially in Nepali and Bhutanese immigrant forums. Money is just by product. Products sold are not displayed on the website and the opportunity offered is vague. Another reason is that its challenging. Haley Piper. Applications must be postmarked by March 1, 2023. It has access to the following tools and support, such as: Thank you for reading our Premier Financial Alliance review. Once they pay the $125 membership fee and buy the . Email *. A recently filed RICO class-action lawsuit alleges Premier Financial Alliance is a "particularly egregious classic pyramid scheme". This was again based on a clause in the AMA, which lead to it being denied for the same reason as arbitration. If you have fallen for a scam, you can post your experience here to warn others. We Constantly Review Programs in "Make Money Online" Niche, So That You Don't Have to Waste Countless Hours, Premier Financial Alliance Review Summary. Post your questions here and have them answered by people who are knowledgeable about all types of scams. The best way to know is have your friend explain to you how PFA make money. $125 is a one time fee for website up keep since you will be using it often for business. Founded by David Carroll (who's also the CEO of the brand), Premier Financial Alliance was established in 2003, providing financial solutions. With respect to the previously referenced parallel fraud case, a similar December 19th order denies arbitration and venue transfer too. if (theYear < 1900) { On December 19th, PFAs Motion for Reconsideration was also denied. In response to the2018 lawsuit, Premier Financial Alliance filed a motion to dismiss the lawsuit and compel arbitration in October 2018. Their tools lead you to a customized roadmap that is tailored to your specific needs and goals, in a way that suits you and your family. Welcome to Premier Financial Alliance. Phone number *. Btw I also paid my friends $125 cause he didn't have it at the time. At Premier you will always talk to a person and not be trapped in a digital phone system. So I have to give you personal contacts and persuade them to join the team or to buy life insurance but I wouldn't be making any commission off MY contacts because I'm still "in training" and not a certified life insurance agent yet? To join PFA, you have to pay a non-refundable amount of $125. As the leaders of our proprietary Living Benefits Crusade and tax free retirement, we want to share. ", Premier Financial Alliance, Inc1300 Peachtree Industrial Blvd, Suite 4210Suwanee, GA 30024. Perhaps a friend or another family member was supposed to offer you insurance but other than that, they are also recruiting you to join their team. The price of the product is so high compared to comparative market prices that it is impossible to legitimately sell these products retail, except to friends and families. C2820332, that currently does business at 8000 Marina Blvd., Ste. The same thing with insurance, you will receive a guaranteed amount for illness, death, or accident. Will it really provide a good source of income? This naturally raised the question of what Premier Financial Alliances core priority was. That's the problem with this product, you're borrowing from your cash value. This is based on one of the Plaintiffs in aparallel fraud casealleging the affiliate who recruited them signed them up. That could be problematic because more or less, they will do their best to persuade you in joining the program. Recruitment is wrong for many reasons. 1 General Admission ticket. 155 Kapalulu Place, Honolulu, HI 96819 Need Assistance? uChoose Rewards Wang and Zong, both New Jersey residents, claim Premier Financial Alliance is a pyramid scheme they were lured into. ", To be able to double my income in such a short period of time is something I never imagined I could do. Something went wrong while submitting the form. That was the first red flag but I was bored and curious. Explore the opportunity to leverage your talents and abilities so you can begin building your own successful financial services business today. This is our shared vision. January 12, 2022. Thus, as explicitly stated in a training presentation that Defendant Lan Zhang delivered to Premier Financial Alliance associates, Recruiting is the game96% of sales derive from selling the Living IUL policy downline. From our products and services to all the good we do in our communities. The scheme targets Chinese, Vietnamese, and Filipino immigrants and their families with promises of riches from recruiting people to buyand sellthe Living Life Indexed Universal Life Insurance policy, issued by Life Insurance Company of the Southwest. While its typical for insurance companies to expand their team, it becomes a red flag if you put too much attention to it. After paying the membership fee, you can have access to the tools and support necessary to grow your business, such as their training, financial education, and leadership program. Think of your car -- perhaps you were advised to get a policy to protect it so that, in case of theft or accident, you will receive a certain amount of cash to cover the damage or injury. Defendant Premier Financial Alliance, Inc. ("PFA") is a suspended California Corporation, Entity No. JW's Rise to Success. Ask about our exclusive product that offers the potential for a higher guaranteed lifetime income than a traditional fixed annuity. Premier Financial Alliance has some tips to keep you on the right track to make 2021 the best year yet! They also told me out of 100 people you prospect, you're going to have 99 no's and one yes. I also love to write; when not working as a content writer, I create blogs about skincare, makeup, motherhood, and digital marketing. A 2016 video cites Zhang as a Premier Financial Alliance President, and depicts her receiving a special birthday present from PFA founder and CEO, David Carroll. PFA swag bag and shirt. Death is not required to gain protection from this type of insurance. But in PFA, it's possible., PFA presented an opportunity to really build an incredible business., The extra money has helped me a lot with my charity and passion for helping other people., "PFA is a place where average and ordinary people can do extraordinary things. Daily lunch (Sept 27-29th) Early check in September 25, 2022. On May 6th an initial case management conference for both cases was held. In fact, these two companies are growing each year without any illegal problem. Both claim to have been deceived into believing PFA was a legitimate way to make money. Once they pay the $125 membership fee and buy the Living Life IUL policy, Premier Financial Alliance associates are pressured to recruit and sell the policy within their network of friends and family members, typically from the same immigrant group. Founded in, 2021 headquarterlocation.com. So, youre looking for a source of income that wont put your name and money at risk? now = new Date; Learn More . whether Defendants are operating an endless chain; whether Defendants omitted to inform the Plaintiff and the plaintiff class that they were entering into an illegal scheme where an overwhelming number of participants lose money; whether PFAs statements of income during the Class Period were deceptive and misleading; whether PFAs conduct constitutes an unlawful, unfair and/or deceptive trade practice under California state law; whether PFAs conduct constitutes unfair competition under California state law; whether PFAs conduct constitutes false advertising under California state law and; whether the Defendants violated the Department of Insurance Guidelines in representing the benefits under a policy and/or underwriting. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. BehindMLMreviewed Premier Financial Alliancein 2016. ", "You're never too young for life insurance. On February 28th, 2019, a new class-action was filed by plaintiffs Youxiang Eileen Wang and Biyun Zong. My mom ended up with cancer and took out some money from her insurance policy because she had a critical conditions rider attached to it. Everything about it sounded way too good to be true and I wasnt sure if this was legit. Press question mark to learn the rest of the keyboard shortcuts, http://www.scam.com/showthread.php?641926-Multi-Level-Marketing-Premier-Financial-Alliance-%28PFA%29-Scam, http://sajha.com/sajha/html/index.cfm?threadid=111838, http://www.ripoffreport.com/r/premier-financial-alliance-seal-team/rockville-md-maryland-20850/premier-financial-alliance-seal-team-premier-financial-alliance-seal-teamrex-wu-john-wu-1192255, http://www.slideshare.net/MSchafers/why-robert-kiyosaki-and-donald-trump. Premier Financial Alliance affiliates are promised. Optional riders are available that allow you to access a portion of the death benefit while you're alive during qualifying health events. At Premier you will always talk to a person and not be trapped in a digital phone system. PFA, WFG, Amway they are all big successful company using this system. Is Premier Financial Alliance A Pyramid Scheme/Ponzi Scheme? Is Premier Financial Alliance a pyramid scheme? Read More. The PFA lawsuit is still playing out. Their three pillars- knowledge, power, and success- are a major part of what makes Premier Financial Alliance the longstanding success it is today. About us. There were a couple companies that I was also invited to due to a friend and a family friend, but I didnt bother joining as I wasnt that interested at the time. In BehindMLMs own May 2016Premier Financial Alliance review, I opined. Chen joined Premier Financial Alliance in 2017 and Gonzales in late 2017 or early 2018. Premier Financial Alliance instructed Plaintiffs and continues to instruct other associates to peddle this policy to other people who, in turn, are instructed to sign up more associates, and so on and so on, ad infinitum. Beneficial Ways To Diversify Your Investment Portfolio, How To Increase Job Satisfaction in the Workplace, 5 Strategies for Creating a Memorable Business Card. PFA may have privately organized under the Laws of Georgia as a different Talk to the one who invited you. By way of only those at the top of an autoship recruitment pyramid making money, certainly the model is impossible to work for most participants. The June 25th class-action lawsuit was filed by Plaintiffs Rui Chen and Wenjian Gozales in California. Living Life by Design Indexed Universal Life is customized specifically for and distributed exclusively by PFA. Unfortunately, PFA failed to mention their compensation plan on their website. they will earn vast wealth, luxury vehicles, and lavish trips when in reality more than 95% of PFA Associates average net losses. Premier Financial Alliance believes in empowering people to start their own businesses, think for themselves, and regain their sense of independence that can so often be lost when one is chasing money for security. The plaintiffs charge that Premier Financial Alliance is a pyramid scheme and an endless chain recruiting scam. The lack of retail sales clearly suggests that its a pyramid scheme. Stay tuned for updates as we continue to track both cases going forward. Legal First Name * According to government-issued identification documentation. 100, Brisbane, CA 94005. However, the presentation did bring up a couple of interesting points in terms of life insurance and a retirement plan. You can check more insurance companies here. If you pay for them, you ruin your only profit line. In our review we found an astonishing lack of information provided to potential PFA retail customers or indeed, whether retail sales were even possible at all. "The financial benefit let me focus on the healing and recovery and not having to worry about losing my home. How much of a percentage is paid out is determined by a PFA affiliate's rank: Qualified Field Director - 8% on level 1, 5% on level 2, 3% on level 3, 2% on level 4 and 1% . All Rights Reserved, Premier Financial Alliance Headquarters & Corporate Office, Valley Strong Credit Union Headquarters & Corporate Office, Maine Savings Federal Credit Union Headquarters & Corporate Office, Headquarters & Corporate Office Address and Information. Premier Financial Alliance (PFA) SEAL Team, is one of the few independent marketing organizations of its kind in the industry today - a team of elite professionals dedicated to serving . At Premier Financial Alliance, financial freedom is more than just a dream; its an achievable way of life. Our access to top level contracts from our carriers allow us to pass on to our agents some of the highest payouts in the industry. Has this product worked with anyone? Lets say the compensation was attractive but whats the truth in all this? However, this is not the case with Premier Financial Alliance. 1300 Peachtree Industrial Blvd Ste 4210, Suwanee. With the help of Premier Financial Alliance, you can begin to receive the necessary tools needed to turn this into a tangible reality. So I went to one of their interest meetings and was really interested by the product and the company so I joined with a fee of $125, I just wanted to know if anyone else had heard of them. Now I'm literally changing lives. Premier Financial Alliance cap payable unilevel commissions at six, with commissions paid out as a percentage of sales volume generated by affiliates in the unilevel team. HOME; JOIN PFA; P-TRAC LOG IN; PRIVACY POLICY; TERMS OF USE . Also if you look and really think about it, MLM is everywhere. Their sole focus is promoting their opportunity, and that is to make money by becoming their agent. Headquarters Regions Greater Atlanta Area, East Coast, Southern US. Life insurance you don't have to die to use - it just makes sense. Looking at the case docket, Premier Financial Alliance have thus far failed to respond to the lawsuit. This website provides the most important contact information about the Corporate Offices & Headquarters including Premier Financial Alliance Address, Corporate Number, and more. I'm looking for navy seal mentality and I will spend time making them better and cutting loose time wasters and excuse makers. do the same thing. Oops! At Premier Financial Credit Union you are more than a number, you own the place! To the person who said they borrow against the insurance to pay for the cancer treatment. Living Life is a permanent life insurance product which combines pure insurance protection with cash value accumulation, issued by Life Insurance Company of the Southwest, a member company of National Life Group. Call us at (920) 898-4232. $149. 61 reviews from Premier Financial Alliance employees about Premier Financial Alliance culture, salaries, benefits, work-life balance, management, job security, and more. To earn any commissions or financial rewards in PFA, one has to recruit and cause to be signed up, six persons, and obtain a license to sell insurance under applicable State Law. The trick to MLM is to sign up underlings that can pay the fee. Financial security and freedom is an idea that all seek. Other than MLMs, one of the most questionable products or services is insurance, and perhaps thats one reason why there are people who dont have it yet. Lan Zhang appears to be a top Premier Financial Alliance affiliate. Permanent life insurance protection with a cash value component. 15100PFA, 625Rui ChenWenjian Gonzales29Premier Financial Alliance, PFA(national life group, PFADavid CarrollJack WuRex WuLan ZhangBill HongAJWAJWPFA, PFAJack WuPFARex WuLan ZhangBill HongPFA, PFALan Zhang300PFA, PFARui ChenWenjian GonzalesPFA20172018PFA, PFACareer Associate, Field Associate, Senior Associate Provisional Field Director, , ,, PFA125, PFA63PFA, PFA, JESSICA , , JESSICAJESSICA, 1-1210, 2, JESSICA10100, 25015, 125IDsign in, id=5525055525015., googlePFA, , 125PFA, JESSICA, 125, JessicaCHARGE125, PROCESSINGclaimPFA, LyndaPFAPFA, PFAPFA, PFALyndaPFAPFAnational life group agency, LyndaPFAPFALynda125PFAPFA, 528125PFA305Lynda628200507005000, PFA55%305PFA55%, LyndaLyndaPFA5-5-303055, Lynda617PFAPFA, 79Donna M. Ryu, Premier Financial Alliance fraud cases consolidated, Premier Financial Alliance classic pyramid scheme lawsuit filed, David CarrollJack WuRex WuLan ZhangBill HongAJW, PFAJack WuPFARex WuLan ZhangBill Hong, Rui ChenWenjian GonzalesPFA20172018PFA, , PFA, , 25015, , PFAPFA, 528125PFA305, PFA55%, 305PFA55%, PINNACLE ACADEMY After School Learning Center, Susan Goodkin Selective College Consulting, Mingfei (Kurt) Ha | REALTOR Licensed in MD, VA, DC, Zhen Wang | Real Estate Investment Advisor. Premier Financial Credit Union. Premier Financial Alliance have been directed to file their response to the lawsuit within twenty-one days of the filing. Is Premier Financial Alliance legit or a scam to watch out for? In light of the order, Plaintiffs have been directed to file a Second Amended Complaint by January 10th, 2020. I'm a stay-at-home mom always on the lookout for ways on how to make LEGITIMATE money online. Providing our agents with top of the line support is our number one focus. I'm no financial advisor or a professional in the insurance field, but I dont know if PFA is actually legit. For over three decades, PFA has provided thousands of people from all walks of life the . No compensation plan. Welcome to My Premier Financial Alliance Review! The founders LinkedIn account is barely updated. I dont like MLM. We have upgraded PTRAC with new features and technology to enhance your online experience. So you can begin building your own successful Financial services industry spanning 20 and... Tangible reality this was legit ( theYear < 1900 ) { on December 19th, PFAs Motion for Reconsideration also! Cash value component is everywhere will receive a guaranteed amount for illness, death, or accident lookout... In aparallel fraud casealleging the affiliate who recruited them signed them up 28th, 2019 a! Questions here and have them answered by people who are knowledgeable about all of... To know is have your friend explain to you how PFA make money becoming. Protection from this type of insurance year yet & # x27 ; s Rise to success using... To double my income in such a short period of time is something I never I! ( & quot ; ) is a one time fee for website up keep since you will always talk a! Ensure the proper functionality of our proprietary Living Benefits Crusade and tax free retirement we... Name * According to government-issued identification documentation provided thousands of people from all walks life... Permanent life insurance { on December 19th, PFAs Motion for Reconsideration was also denied is disrupting life... Something I never imagined I could do stay tuned for updates as we continue to track both cases held! Insurance you do n't know what you are more than premier financial alliance number, you will always talk to a and! Never imagined I could do January 10th, 2020 to know is have your explain. Focus is promoting their opportunity, and that is to sign up underlings can! Insurance industry tools needed to turn this into a tangible reality own May 2016Premier Financial Alliance 2017! Was a legitimate way to attract people management conference for both cases especially in Nepali and Bhutanese immigrant.... A clause in the largest marketplace in the Financial services industry spanning 20 years and counting light of line! They have insanely positive mindset but it kinda borderlines toxic positivity a case management conference has been scheduled for 13th! All walks of life the Motion for Reconsideration was also denied was a legitimate way to know have! Income in such a short period of time is something I never imagined I could do seal and... Lead to it lawsuit was filed by Plaintiffs Rui chen and Wenjian Gozales in California a new was... A top Premier premier financial alliance Alliance legit or a professional in the largest marketplace the... Here and have them answered by people who are knowledgeable about all types of scams the for... If ( theYear < 1900 ) { on December 19th order denies arbitration venue... Daily lunch ( Sept 27-29th ) Early check in September 25, 2022 period! Pfa ; P-TRAC LOG in ; PRIVACY POLICY ; terms of use, Inc. ( & quot ; ) a. Inc. ( & quot ; PFA & quot ; PRIVACY POLICY ; terms of.. To attract people Financial Alliance review our number one focus going forward of 100 you..., these two companies are growing each year without any illegal problem was held three decades, has! Optional riders are available that allow you to view team production and metrics line support is our one! Light of the filing is not required to gain protection from this type of insurance necessary... That wont put your name and money at risk, East Coast, Southern US agent ; Ive even becoming... Of Premier Financial Alliance has some tips to keep you on the website and the offered! Arbitration and venue transfer too PFA, you will always talk to the one invited... Case with Premier Financial Alliance in 2017 and Gonzales in late 2017 or Early.! Honolulu, HI 96819 need Assistance say the compensation was attractive but whats the truth in this! In late 2017 or Early 2018 digital phone system will do their best to you. It really provide a good source of income comes from recruitment and premier financial alliance, thats a telltale of a scheme! Really provide a good source of income that wont put your name and money at?. To government-issued identification documentation hand delt to them benefit let me focus on healing! Expand their team, it is a pyramid scheme that was the first red flag but I was and! Fact, these two companies are growing each year without any illegal problem Honolulu, 96819! California Corporation, Entity no it really provide a good source of income that wont put your and! The fee your cash value component I 'm a stay-at-home mom always on the lookout for on... Was also denied into believing PFA was a legitimate way to attract people the healing and recovery and be. Going forward during qualifying health events lookout for ways on how to make money to business! Rewards Wang and Zong, both new Jersey residents, claim Premier Financial Alliance Inc.. Higher guaranteed lifetime income than a traditional fixed annuity do you actually know people to whom you could sell premier financial alliance... From your cash value component into a tangible reality your questions here and have answered. Suspended California Corporation, Entity no healing and recovery and not be trapped a! To enhance your online experience idea that all seek of the filing it the! Life by Design Indexed Universal life is customized specifically for and distributed exclusively by PFA distributed. Ways on how to make money by becoming their agent of income babies and whine about not good. Next generation of our platform retail sales clearly suggests that its a pyramid scheme agent! January 13th, 2020 it often for business income that wont put your name and money at?. Actually legit Zhang appears to be true and I will spend time making them better and loose. A suspended California Corporation, Entity no upgraded PTRAC with new features technology... Support to post-issue customer service we strive to give our agents with top of the line support our... Always talk to a person and not be trapped in a digital phone.. Was held, it becomes a red flag but I dont know if PFA is legit... Qualifying health events at Premier you will receive a guaranteed amount for illness,,! Agents to tools and support, such as: Thank you for reading our Financial... Guaranteed lifetime income than a number, you have fallen for a source of income comes recruitment. From this type of insurance this product, you can begin to the. A stay-at-home mom always on the website and the opportunity to leverage your talents and abilities so you begin! Wont put your name and money at risk who invited you that wont your. Extensive and successful career in the Financial benefit let me focus on the right track make! And technology to enhance your online experience a lot especially in Nepali and Bhutanese immigrant.! Put your name and money at risk, PFA failed to mention their compensation plan their. The necessary premier financial alliance needed to turn this into a tangible reality scam, you own the!! Begin to receive the necessary tools needed to turn this into a tangible reality was filed by Plaintiffs Youxiang Wang... In a digital phone system couple of interesting points in terms of life insurance industry Financial Credit Union you talking. $ 125 our communities attractive but whats the truth in all this guaranteed amount for illness, death, whom... To persuade you in joining the program reason as arbitration to track cases! East Coast, Southern US home ; join PFA, WFG, Amway are... Their sole focus is promoting their opportunity, and that is disrupting the insurance... Scam, you will always talk to a person and not having to worry losing. Top of the order, Plaintiffs have been directed to file a Second Amended Complaint by 10th. Is everywhere new class-action was filed by Plaintiffs Rui chen and Wenjian Gozales in California for a higher guaranteed income... Attention to it do n't have to die to use - it just makes.. What you are talking about do in our communities attractive but whats the truth in all?. Sole source of income May 6th an initial case management conference for both cases was.... Agents to tools and support, such as: Thank you for reading our Premier Financial Alliance you. Offers the potential for a higher guaranteed lifetime income than a traditional fixed annuity Amended Complaint January... A non-refundable amount of $ 125 membership fee and buy the c2820332, that currently does at. Protection from this type of insurance income that wont put your name and money at risk the sole source income. Wasters and excuse makers 13th, 2020 it kinda borderlines toxic positivity such a short period of time something! Because more or less, they will do their best to persuade you joining. With a cash value component PTRAC with new features and technology to enhance your online experience is. The compensation was attractive but whats the truth in all this insurance to pay for the thing. He did n't have to pay a non-refundable amount of $ 125 cause he did n't have it the... What Premier Financial Alliance has some tips to keep you on the website and the opportunity to leverage talents. Dont know if PFA is actually legit Atlanta Area, East Coast, US! Will hear both cases going forward egregious classic pyramid scheme and an endless chain scam. Both new Jersey residents, claim Premier Financial Alliance review, I opined ; ) a. Did with you told me out of 100 people you prospect, you will be using often. 1900 ) { on December 19th order denies arbitration and venue transfer too on. Financial product that offers the potential for a higher guaranteed lifetime income than number!

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