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Has anyone ever joined one of these groups with any success?
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BNI is great for asset based products or services; however, for Life Insurance or Disability, you are not going to get the same amount of referrals.
I also have a problem paying $700 to be part of "the family", and if you are not getting your money back in way of referrals, it is YOUR fault for not getting your message out.
Start your own independent referral group, and don't waste $700 a year for BNI nor PowerCore.