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They pray on people who are not in the business. They look for unsuspecting prospects and hold their hand through the licensing process. All while whispering in their ear how they are faith based organization. I was recently at a convention and heard one of their agents explain that the selling strategy she was taught by this organization was based on the theory of reciprocity. Essentially meaning you guilt someone into buying from you or even listening to you. You give them a meaningless unwanted gift (wheat penny) when you meet them and in return return you expect them to buy. This is the same way they recruit. In my opinion it is weak and manipulative at the very least.
Sounds like the mob.