Municipalities are indebted to Eskom in an amount of approximately R57 billion which has further limited Eskom's budget for maintenance and generation. She is very respectable in the community she lives in, ethical and", "I highly recommend Libby! Unfortunately, neither are available for Premier Financial Alliance. Now, another insurance organization named Premier Financial Alliance is claiming to "protect the dreams of Middle America" while offering an opportunity to make money. Commission increases are dependent on agency building, higher levels of recruiting, and production. That amount is utilized to maintain our individual agent portal. I hope you enjoyed my article on Premier Financial Alliance. Premiere Financial Alliance (PFA) sell for National Life Group which doesn't have a good reputation in the Insurance Industry plus Premiere Financial Alliance (PFA) only push one product and one product only from National Life Group which is an (IUL) Indexed Universal Life Insurance Product and Premiere Financial Alliance (PFA) does not represent I wish you had been more fair in your one-sided article. /PageMode /UseNone /Count 1 << People Helping People was established in 2009 in Northridge, California. Pioneer Financial Group-$270,000: 7-LIFE & HEALTH UNDERWRITER-$230,000: 5-American Income Life Insurance-$6.3B: 11,000-National . The reason it is so inexpensive is that people are unlikely to die before 60. WFG agents are typically very high-pressure salespeople and recruiters who push hard to get you to pay $100--$130 to sign up and commit to an onerous restrictive contract (WFG's AMA) and also to extract from you the names and contact info of your friends and family so they can recruit them too. None of the information on this page has been provided or approved by Premier Financial Alliance. Gary the flaw in your article is you failed to interview the very successful NURSES and medical professionals (these are ethical people who save lives) that are involved in PFA. Naturally, they want it up front, preferably from a credit card or debit card. They give the new entrepreneurs access to tools, products, and services including mentorship and field training programs to help them build their business. The opportunity enabled me to quit nursing after 2 years. We are a councillor-led, cross-party organisation that celebrates and champions the contribution of councils to quality of life and opportunity in Scotland. . The financial strategies package at Premier Financial Alliance has multiple benefits that extend to customers entire lifetimes. Unfortunately, the internet makes it much easier for them to take our money. It can take months and considerable expense to get a license to sell life insurance. >> If someone wants to be an employee the of course the business owner would pay the expenses and give compensation to the employee. Both are multilevel marketing firm (MLM) companies. I agree, It is not easy. I doubt it. There are two sides to a story. So many negative people (like you ) who like to put people down just because they are a HATER. American Income Life 8. The company is a subsidiary of CNO Financial Group. You cannot join without paying fees, and only after you do, do you find out that you have to keep paying higher and higher monthly fees. In short, training new agents is a unique skill-set unto itself. She has a commanding knowledge on", "Libby is the kind of business person you want to work with. Legally, in the United States, the Federal Trade Commission enforces anything that might be considered advertising. Living Life by Design Indexed Universal Life (IUL), form series 20608 (0119)/ ICC19-20608 (0119) and all associated riders are underwritten by Life Insurance Company of the Southwest, Addison, Texas. Freedom Equity Group, based in Arroyo Grande, California, is an independent marketing organization (IMO) that contracts with insurance companies to promote and distribute a range of life insurance products. Unlike a legitimate direct sales company, a pyramid scheme must permit unlimited recruiting or die. I've owned franchises, restaurants, held my real estate license in 2 states and worked in corporate sales. Sounds like that exactly whats going on. If this is true, PFA is hiding it for some reason. 1. Our role as a combined voice for all councils is incredibly important in shining a light on key issues of policy, funding and legislation and how these impact at a local level. prices are so low? We know from the notice at the bottom of the PFA questionnaire page that a member must pay a $125 non-refundable fee. After reading this great review, we got to know about their activities. >> Before you can purchase life insurance, you need to qualify for it. Specifically, the person recruiting you, do they boast a good amount of hands-on field experience and expertise? 7 0 obj /Type /Pages You wrote so many inaccurate claims that are your PERSONAL opinion. On January 22nd, 2019, the court denied both motions. I nearly fell into the trap of PFA before a friend who was a victim called me to notice. The data on this page is also based on data sources collected from public and open data sources on the Internet and other locations, as well as proprietary data we licensed from other companies. The big deal is that if you go back to 1870, the average dividend yield of the stock market is over 4%. Premier Financial Alliance agents are paid variable commissions from the insurance carriers based on the type of product, amount of coverage, and other factors such as the age and health of the customer. Yes, absolutely WFG is a scam. If you pursue the PFA business opportunity, you will be going in blind. /Tabs /W - Terms And Conditions - Refund Policy - Earnings & Marketing Disclosure - Blog, https://www.youtube.com/watch?v=vfQiJ8Db6xo&t=218s. 2 0 obj Im sorry to hear that you lost funds, but how much did you lose? AUSTIN, Texas, June 13, 2022 /PRNewswire/ -- National Western Life Insurance Company (National Western Life), a wholly owned subsidiary of National Western Life Group, Inc. (Nasdaq: NWLI), entered . One thing that struck me being with this company for 10 years now is I can freely call and talk to the CEO of the company which boosts my morale everytime. Defendants named in the lawsuit include Premier Financial Alliance, David Caroll (CEO and Founder), Jack Wu (chairman and ringleader) and his company AJW Productions, Rex Wu (field chairman), Lan Zhang (an original member of PFA), Bill Hong (conspirator). Just take a look at the commission advancement process. I agree. Wang and Zong, both New Jersey residents, claim Premier Financial Alliance is a pyramid scheme they were lured into. Before you give them your money, there are a few things you Ultimately, it doesnt matter if PFA is a pyramid scheme or not. Premier Financial Alliance may also be known as or be related to Premier Financial Alliance. Unfortunately, what you wont find on the PFA website is specific information that will help you determine what the business opportunity is or if its right for you. /Type /Pages >> The truth is , these companies make money from their victims without nothing to give back. 2 Baths. 3 Beds. Just please be careful and on your guard if you go. Have the divine wisdom or discernment before hurling a stone at somebody. You went right straight to the jugular and made claims of you OPINION. Just like any small business owner, you will need to work hard to earn your earnings but you get to keep your clients when you decide to leave PFA. That appears to be happening with PFA. The portion of your premium that pays for the insurance component cannot go into your cash value account. How much does that matter? /Names 4 0 R /MediaBox [0 0 612 792] 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. We feel comfortable that we now have the regulatory issues under control."[20]. It focuses on term insurance, index universal life insurance, and fixed indexed annuities. Since everyone eventually dies, permanent life insurance must be priced so that there is enough money to pay a death benefit to everyone. Well, imagine if your policy had a cap of 12%. National Life is a financially sound life insurance provider that offers a variety of policies and riders, including some unique options, and pays dividends on participating policies. If they stop recruiting, pyramid schemes quickly collapse. First, start by doing your due diligence and find another insurance agency to work for. A quick search of DSA members reveals that Premier Financial Alliance is NOT a member of DSA. >> If that wasnt bad enough, there is also something called a participation rate. I just started selling after I was trained (for free) on the PFA system. I was a victim few years ago. << PHP Agency 6. The PFA questionnaire clearly states at the top that all fields must be completed. National Life Insurance Company National Life Group,National Life Insurance Co., Life Insurance Company of the Southwest, didnt pay the beneficiary upon the creators death, instead began demanding monthly payments for the life insurance from the beneficiary then created a loan to steal the benefits from the beneficiary Montpelier Vermont You are so right about MLM. ", "Very knowledgeable, personable, and excellent follow up! Affiliate membership requires payment of a $125 fee. INDIVIDUALS, BUSINESS OWNERS & FAMILIES Like every other MLM, the Premier Financial Alliance website sells a dream of financial independence, and thats about all it does. No persons, except the promotors and operators of the Premier Financial Alliance scheme make any money. Anybody can write anything on social media to tarnish anybody or any organization especially if they are disgruntled. I encourage anyone who reads this to do your due diligence by talking to real people with real experiences or relationships with the company before casting your unpleasant judgement. Premier Financial Alliance is designed to give clients control over their budding business by providing start-up capital to entrepreneurs regardless of prior experience or sparkling corporate resumes. Statements made on a website could be legally binding. Do you want to be responsible for recruitment and helping build an agency? PFA agents or the PFA don't make money on $125 fee. Why Affiliate Marketing is Better than MLM. Marketing Leadership specialist 20 years experience delivering revenue & business growth, Customer Experience (CRX) across multi-channel retail, online and Digital. >> Not to mention the lawsuit that clearly describes Premier Financial as a pyramid scheme. Welcome to Premier Financial Alliance Explore the opportunity to leverage your talents and abilities so you can begin building your own successful financial services business today. Premier Financial Alliance promises you the opportunity of a lifetime and the chance to build your own successful financial services business. They dont. >> This is called financial independence. - *Reposting with mod approval* /r/jobs, Friend told me to join World Financial Group. Thank you! ", "I highly recommend Libby! ), Is the World Financial Group a scam? And all those crying about the $125 membership fee is pretty petty. 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. 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. Its mentorship and field training programs, as well as its numerous business tools, give new entrepreneurs access to products and services that help them build their dream business. xS0+H8nA ^+"q@V=, Chen et al v. Premier Financial Alliance, Inc. et al - 4:18cv3771. The most incriminating evidence involves the statistic that 95% of associates at PFA average net losses after joining, which includes everyone except the main promoters and operators of the company. Girard Sharp law firm filed the lawsuit. %PDF-1.7 In a whole life policy, the insurance company determines the dividend rate. After paying the $125 non-refundable fee AND getting a license to sell life insurance, PFA members can recruit others into the scheme. endobj Copyright 2008-2023, Glassdoor, Inc. "Glassdoor" and logo are registered trademarks of Glassdoor, Inc, Ask anonymous questions on Fishbowl and get real time answers from National Life Group and Premier Financial Alliance employees and others in your industry. It targets the senior market, typically people age 60 and older who are near retirement. In response to the2018 lawsuit, Premier Financial Alliance filed a motion to dismiss the lawsuit and compel arbitration in October 2018. While we have made attempts to ensure that the information displayed are correct, Zippia is not responsible for any errors or omissions or for the results obtained from the use of this information. 8 0 obj Plaintiffs Gonzales and Chen are seeking to represent a class of similarly situated Premier Financial Alliance victims, of whom they estimate there are over 25,000. /Annots [19 0 R 20 0 R] The last significant filing in the 2018 case is a May 28th motion by the Premier Financial Alliance defendants. 6 0 obj Lan Zhang appears to be a top Premier Financial Alliance affiliate. What I saw while I was there was that they treated their customers in the same way they treated me. This hybrid forum brought together global and local financial experts who came together in Dubai to discuss and express their viewpoints on the strong . WFG Securities paid a $250,000 settlement to rectify the situation. The amount of training she received and the hand-holding mentorship my best friend received and is receiving is immense. This includes including WFG's top product, the FFIUL, an exceptionally expensive and risky policy. The company serves the middle markets for insurance-based financial planning. I only had to pay the $125 non-refundable fee and I paid expenses for my insurance licensing like everyone else. Phone conversations are not regulated. Family First Life Top Pick A Note On MLMs And Insurance Insurance Network Marketing Companies Primerica World Financial Group Symmetry Financial Group Premier Financial Alliance PHP Agency Arnold & Porter Offices Some top agents can do it. Pfa offers to anyone who wants to own their own business a platform of training to become business owners. Even if you only go back 15 years to 1999, during this supposedly terrible period for equities, it has happened 7 times. While it may have the word index in its title, an IUL has much in common with whole life insurance and almost nothing in common with a high-quality index mutual fund. Thats like putting your money on the table and rolling the dice. Join the Premier Financial Alliance team See Our Latest Jobs 5.0 Current Employee, more than 5 years The Real Deal for the Right Person Sep 18, 2022 - Provisional Field Director in Phoenix, AZ Recommend CEO Approval Business Outlook Pros Unlimited income potential. /Subtype /XML I work in the healthcare business. This shortcoming is only one of several signs that Premier Financial Alliance is not honest or transparent. An underwriter is someone who is specially trained to assess your application and determine what risk, if any, may exist. >> Once you reach this point, you generally no longer have a need for life insurance. This blog has been revealing and alerting us about scanners. Without a thorough analysis of the opportunity, it would be foolish to get involved with Premier Financial Alliance. And I will share this with our team. PFA doesnt sell a product. endobj Or message me here. Although prospective associates are told they will be able to maintain their own insurance business, the policy bought and sold through the pyramid is significantly overpriced. Symmetry Financial Group is an insurance marketing organization based out of Swannanoa, North Carolina. , , 50, , , 85C WFG20, , 20. This allegation is significant because a telltale sign of a pyramid scheme is lack of retail sales to the public. % Hope this helps. /AA 5 0 R I am glad the way youve exposed all the atrocities of these fraudulent companies by listing all the taletell signs. Presented by Sydney Opera House in association with Hachette Australia and NSW Premier's Reading Challenge, Department of Education . Thru this company I can bless our church, my family, relatives and friends more than I was an RN. Bankers Life was established in 1879 in Chicago, Illinois. That usually corresponds to four levels of management such as local, state, regional and national. /Kids [11 0 R 12 0 R 13 0 R 14 0 R] 30+ Hours Insurance Sales Training, Scripts, Books, And More Yours FREE! 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. BUSINESS OWNERS They encourage associates to be intentionally vague and not answer questions about the opportunity. voyage financial group inc. tuolumne yolo broomfield otero greeley seaford miramar dover williston parrish strock &tanner mortgage corp asj financial group, inc. marathon west palm beach jupiter port orange bibb locust grove shenandoah bonneville mchenry vermilion mooresville ashland pointe coupee new bedford cambridge exit mortgage llc elkton . [20]Aegon's Chief Executive Officer Alexander Wynaendts said on Bloomberg TV that "When we took the company over, we put in place very strict regulatory and compliance procedures. Most likely youre reading this article today because youre thinking about selling insurance either with Premier Financial Alliance or the World Financial Group. In other words, although you pay the fee, youre not in business. Premier Financial Alliance 5. By keeping so many secrets, PFA has full control. Who knows, Premier Financial Alliance might be a good opportunity, but in my opinion its not my cup of tea; And thats going off of what I saw on their official site. Would you like to learn more? While guarantees are always nice, you dont want to overpay for them. /Contents 16 0 R So if an index mutual fund goes up 10% (including a 2% dividend), an IUL may only credit you 8%. Most of what you find on the Premier Financial Alliance website (pfaonline.com) pushes the business opportunity. Since 1928, the S&P 500 has had an index return over 12% 44 times, or about 52% of the time. 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 Alliance fraud cases consolidated, Why an Indexed Universal Life (IUL) Policy Will Fail - Quick version - Safe Money - Cash Value Life, http://blog.sina.com.cn/s/blog_708d8ef10100xznu.html, http://www.chineseinla.com/f/page_viewtopic/t_779561.html, , , , marketing director, senior marketing, , ----, WORLD FINANCIAL GROUP WFG, Word Financial Group , World Financial GroupSenior, Marketing Director , https://en.wikipedia.org/wiki/World_Financial_Group, National Association of Securities Dealers, http://xiaoshuailiu.blogspot.com/2017/09/wfg.html, The White Coat Investor: A Doctors Guide to Personal Finance and Investing, https://www.mdmag.com/physicians-money-digest/personal-finance/dahle-5-reasons-not-to-buy-iul-insurance, https://www.mitbbs.com/article_t/SanFrancisco/34629529.html, https://behindmlm.com/companies/new-premier-financial-alliance-lawsuit-claims-asian-immigrants-targeted/, https://behindmlm.com/companies/premier-financial-alliance-classic-pyramid-scheme-lawsuit-filed/, http://www.wenxuecity.com/news/2018/07/25/7469956.html, A 2004 NASD disciplinary action report summarized disciplinary actions against WGS. Premier Financial Alliance is a secretive multi-level marketing company claiming to offer an opportunity to build a financial services business. IUL is similar to the more familiar whole life insurance policy in that it is composed of 2 basic pieces: First, a permanent insurance policy that will pay a death benefit whether you die young or old; and, second, a cash value account from which you can borrow money tax-free (but not interest-free) in order to pay for expensive items, educational expenses, or your retirement. The SCO is the successor to the Shanghai Five, formed in 1996 . It costs $125 to join Premier Financial Alliance. Premier Financial Alliance Investment & Asset Management Salaries National Life Group has 450 more total submitted salaries than Premier Financial Alliance. IULs, however, only pay you based on the change in the index. You pay one time $100 to join and you have access to their seminars and education workshop (not all office offer - please check) . BehindMLMreviewed Premier Financial Alliancein 2016. I suspect if you did fill out the PFA questionnaire, you would soon get a phone call from a rep who tries to talk you into paying the non-refundable fee. This aggressive side of Marquez is loved and appreciated by . Sinclair Broadcast Group today announced the company will partner with The National Alliance on Mental Illness (NAMI) to launch Sinclair Cares: Mental Health Support + Hope, a campaign to encourage mental health awareness, with a focus on young adults.The campaign will begin on March 6 and run throughout the month. Now I have confirmed their illegitimate deals through your article. Your article is helpful. PS: If you would like to learn more about insurance sales opportunities other than Premier Financial Alliance and World Financial Group, weve posted tons of insurance career reviews on this page. After 30 years, a nest egg growing at 8% instead of 10% ends up 42% smaller. This means that improving your earning capability with these agencies is undeniably tied to recruitment (aka builder a bigger company). Ft. 32644 Rome Hill Rd, Lake Elsinore, CA 92530. World Financial Group specializes in targeting middle-market consumers with its life insurance products and financial planning services. Premier Financial Alliance expects you to fill out a lengthy questionnaire with many personal details and either pay $125 non-refundable fee or be prepared to pay that fee BEFORE you learn anything specific about the business opportunity. Be good. /Kids [8 0 R 9 0 R 10 0 R] A lawsuit filed in California claims Premier Financial Alliance is a classic pyramid scheme.. That means you work for free. In December 2006, WGS and one of its brokers were fined $150,000 by Missouri's commissioner of securities for selling unsuitable products to elderly people. Bankers Life offers life insurance, long-term care, annuities, Medicare (Supplements, Advantage Plans, Part D prescription drug coverage), critical illness insurance, as well as vision and dental plans. For the quarter, the Company generated a net loss of $114 million , or $0.24 per diluted share. No tangible Information on their website. Switching over to the 2019 case, the motion to compel arbitration that stayed the 2018 case was filed by Premier Financial Alliance on May 28th. At the end of the day , if you are curious , find out about it yourself , worst come to worst you spend $100 and you get financial education. << American Income Lifes core markets are labor unions, credit unions, and associations for insurance solicitation. I am astonished to see how they can easily deceive themselves by keeping themselves concealed. This fee is non-refundable. Can they successfully sell insurance? They have a beautiful sales pitch about the aging of America and the opportunity to help the masses get rich through investing. They didn't want to deal with customer complaints and were too busy recruiting other associates so they could make their pyramid fees. /Annots [] View more recently sold homes. The fundamental flaw is that there is no end benefit; the money simply travels up the chain, and only the originator (or at best a very few) wins in swindling his followers. I KNOW WHAT TYPE OF LIFE INSURANCE I WANT, HOW DO I BUY IT? ), but they NEVER ONCE responded to any of my phone calls (endless phone system then hung up on me) or my emails or the contact form on their agent support website. A hearing to decide the arbitration matter was scheduled for July 19th. They state that "WFG associates are not required to purchase any products, goods, services, inventory, marketing plan or property of any kind, or pay any consideration in exchange for becoming or remaining an independent contractor of WFG." @Financial Educator, former Finance at Wells Fargo (2001-2002). Because it involves talking to your friends, relatives and even searching online job boards to persuade people to join and sell insurance with you. endobj The Happiest Place on Earth. Both are multilevel marketing firm (MLM) companies. Chen and Gonzales lawsuit attributes the lack of retail disclosure to PFA. As a multilevel marketing firm, WFG highly promotes team-building and recruiting new agents. There is no information on the Premier Financial Alliance website about overrides or commissions. BMO's chief sustainability officer, Michael Torrance, said the bank is "Guided by our Purpose to Boldly Grow the Good in business and life.". 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.
SOLD FEB 8, 2023. Connect with others to build business relationships in the largest marketplace in the world. No marketing is done to retail customers. USHEALTH offers individual health coverage plans and a number of related supplementary products. SFG specializes in several life insurance markets, primarily the mortgage protection insurance market. Premiere Financial Alliance Insurance website, Premier Financial Alliance Insurance Pyramid Scheme Class Action, Copyright Duford Insurance Group 2014-2022
Your article is a FARCE, Gary, Shame on you. And if you want to recruit people and create your own team , you can do that. Hence, this is not a scam. When an MLM is not a member of DSA, it is cause for concern as it reveals they are not the least bit interested in appearing legitimate or abiding by any code of ethics. Under PFAs compensation plan, a victim only gains a rank by recruiting people into the business opportunity. Its stated aim is to help people start their businesses without the normal costs and drawbacks associated with startup. A legitimate direct sales company will have no more than four levels of rank and overrides. You'll also certainly get a sense of WFG's inherent problems by attending one of their workshops. Over the phone, a Premier Financial Alliance representative can promise you anything to get you to pay the non-refundable fee. Why Affiliate Marketing is Better than MLM. You can bet they will use this control to maximize THEIR profits at your expense. You can also go to sites like these to read more about WFG and also in general about problems with permanent-life insurance such as Universal Life: 256 WORLD FINANCIAL GROUP complaints and reviews @ Pissed Consumer. If everyone died before 60, those policies would be much more expensive. National Life Group Insurance Company, also a named defendant, is cited as the provider of PFAs insurance products. Premier Financial Alliance has 1,269 employees, and the revenue per employee ratio is $71,710. Those who sell these commissioned products are highly trained, but not in finance. << So there. ", In January 2018, 12 life insurance agents who worked together at the same WFG brokerage in. It's an unfortunate reality that scammers prey on elderly people in order to steal their money and/or identity. Why can this be an issue? In other words, you must enter the recruiting process. World Financial Group - Be Careful of this MLM! Its stated aim is to help people start their businesses without the normal costs and drawbacks associated with startup. An A+ indicates that National Life has a superior ability to meet its ongoing insurance obligations. Thanks for writing out this lovely article and I must say its a must for everyone to read and digest.premier financial alliance is a platform to stay away with, they claims a non-refundable fee of $125 while they aint among the member of DSA.what exactly is there group into? I am morally obliged to share this opportunity to those who would like to attain time and financial freedom like what I am enjoying now. Blackstone said redemption requests at its closely followed $71bn property fund declined in February in a potential sign pressure from investors seeking an exit and concerns around the long-term . Pyramid schemes typically require members to Pay to Play. Pay to play means a member must pay for the opportunity to make money for the company. 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You enjoyed my article on Premier Financial Alliance is not a member of DSA members reveals that Premier Financial Investment... Amount of training to become business owners they encourage associates to be a top Premier Financial Alliance is a skill-set... We are a HATER to mention the lawsuit and compel arbitration in October.... Their businesses without the normal costs and drawbacks associated with startup undeniably tied to recruitment aka... Diligence and find another insurance agency to work with in response to the2018 lawsuit, Premier Financial Alliance a! You ) who like to put people down just because they are a,. Website could be legally binding an unfortunate reality that scammers prey on elderly people order. The mortgage protection insurance market no information on the PFA system those policies be... That celebrates and champions the contribution of councils to quality of life and opportunity Scotland!