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The Duck is a mlm/pyramid scam at best. The only way to make real money is to convince a bunch of other people that they can make real money selling the Duck's products and then have them convince even more people they can make real money, and on and on.
As agents wash out you get to keep their business. One of the favorite tricks is to get the agent to write themselves policies so they get a quick commission check and think they are making money while going door to door selling the Duck.
Yup. Here in IL they required each new agent to write an Accident and Cancer policy on themselves after finishing sales school.
Extortion is a word that came to mind.