Willie you are just mad as a wet bee. That's why you have all the personal attack stuff going.
But I will answer your questions just like you have legit questions. That's the kind of guy I am.
New Your Life and other captives are run like captive agencies not brokerages. So if you want to sell those products you're going to have to play the game the way that they play it. Which is generally going to mean lower commissions usually office space and micromanagement. So no I don't consider that a scam I consider that just to be what it is. A captive agency.
An agency that is selling Brokeridge type products that Agents can get through multiple distribution channels should be competitive to attract agents. Some choose to pull scammy tactics to recruit and keep agents. Being vage with commission levels like saying "street level" instead of giving the actual numbers is a very common one. Not releasing agents is a common one. Free leads is like catnip to desperate agents and is often used to lure them into horrible deals.
Anything that an agent agrees to as long as he's has full knowledge of what he's agreeing to and his other options is not a scam. It might be foolish on his part but he's not being scammed if he entersl into it openly.
But way too often Agents sign up for things out of ignorance and then cannot get released and you can call that type of recruiting anything you want but it's not the right way.
So just to clarify you are saying that a nyl agent taking a reduced commission and only selling one product that is not available to anyone, even when putting customers as rop when they would qualify immediate elsewhere is ok. But giving the same exact opportunity to any other agents except rather it be nyl let's say it's foresters, TA, LBL, etc. And you always give the customer the best price/plan is a scam bc they can get a LBL contract on there own vs not being able to get a nyl contract on there own?
Am I hearing you right? And I'm not mad. This isn't personal by any means. I don't know you but don't like what you, your company, or your recruiter represent. Whether you don't personally like me, I could care less but please quit using being mad as a scapegoat bc someone is pointing out Fex's reality.