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On their website, Assure For Life gives no information regarding who owns or controls the firm.

The website domain “” was initially registered in 2016. The registration was most recently updated in May of 2019.

According to LinkedIn, Assure For Life is a “67-year-old multinational product that protects 250,000 families in the Americas.”

Assure For Life claims to be 70 years old on their website.

This is strange given that the firm only existed online until 2016.

Through an incomplete address in Florida, “Protecciu00F3n Plenitud” is identified as the proprietor of Assure For Life’s website domain.

This appears to correspond with Assure For Life’s website, which lists a business location in Doral, Florida.

So, sort of. The address mentioned on Assure For Life’s website is a Davinci Virtual virtual address.

I couldn’t figure out what “Protecciu00F3n Plenitud” meant. If you search for the string, it will emerge in strange text files.

20th of October, 2021 – Jon disclosed in the comments below that “Proteccion Plenitud” relates to Proteccion Plenitud, Inc., a Florida corporation founded in 2005. /finish updating

Sandra Chica, the lone executive featured in Assure For Life’s marketing, is the company’s Commercial Manager.

Whether the MLM firm is 67 or six years old, failing to provide executive information is a warning flag.

As always, if an MLM firm is not honest about who runs or controls it, consider twice before joining and/or turning over any money.

Ensure Life’s Products
Assure For Life is a provider of “funeral aid plans.”

The advertisement for Assurance For Life mentions a “registration fee.” However, the specific cost amount is not published.

Funeral aid plans from Assure For Life include:

Transfer of a corpse inside the United States; transfer of a body to the country of origin; transportation of a body to a “country of destination” (selected country? ); unrelated under 65; and up to two individuals 80 years or older per Big and Small Family plan.
Coverage includes the United States, Latin America, and the Caribbean.

When making a claim, Assure For Life policyholders have three options:

National option entails corpse transfer inside the United States, minimal funeral fees, cremation, and an airline ticket to attend the funeral.
Roots option entails basic funeral costs in Latin America, cremation, and a flight ticket to attend the funeral.
Return option entails sending the body “to the point of destination within the coverage region,” reception at the specified location, minimal funeral expenditures, and an airplane ticket to attend the funeral.
It is worth noting that the options supplied by Assure For Life specifically specify “ticket,” implying that just one plane ticket is granted.

Life Insurance Protection Plan
Assure For Life provides commissions on both direct and residual funeral plan sales.

Commissions are calculated by Assure For Life depending on the “year value of the plan” sold. There is also a registration cost.

This implies that commissions are based on the total annual amount of monthly fees paid.

All Assure For Life affiliates must “make two monthly sales” to qualify for commissions.

This looks to be a continuing demand for further sales volume.

Guaranteed Affiliate Ranks for Life
The pay model of Assure For Life has nine tiers.

They are as follows, along with their respective qualification criteria:

Beginner: Become an Assure For Life affiliate and purchase a Family Plan.
Make two sales and four downline sales as a junior.
Senior – earn two more sales and create eight downline sales to total six sales.
Director – 25 sales (personal/downline ratio not stated), hire and retain two Seniors
Manager – recruit and retain two Leaders Leader – recruit and retain two Directors
Division Manager – hire and keep two managers
Regional Manager – hire and keep two Division Managers
Commissions Paid Directly
Assure For Life affiliates get a direct commission on personal sales volume.

Beginners make 35%.
Juniors are paid 40%.
Seniors receive a 50% raise.
55% of directors’ salaries
Leaders are paid 60%.
Managers are paid 65%.
Division Managers are compensated at 70%.
Regional Managers are paid 80% of the time.
These sales might be made to individual retail consumers or to recruited affiliates.

Senior Recurring Commissions
Senior ranking affiliates receive a specified residual commission from Assure For Life. lower sales volume

Assure For Life’s residual commissions are dependent on rank, both for the qualifying affiliate and their downline.

Seniors receive 15% of all individually recruited Beginner volume and 10% of all Junior volume.
Directors receive a 20% commission on directly recruited Beginner volume, a 15% commission on Junior volume, and a 5% commission on Senior volume.
Leaders receive a 25% commission on directly recruited Beginner volume, a 20% commission on Junior volume, a 10% commission on Senior volume, and a 5% commission on Director volume.
Managers earn 30% of the volume recruited individually, 25% of the volume recruited by juniors, 15% of the volume recruited by seniors, 10% of the volume recruited by directors, and 5% of the volume recruited by leaders.
Division Managers receive 35% of the personally recruited Beginner volume, 30% of the Junior volume, 20% of the Senior volume, 15% of the Director volume, 10% of the Leader volume, and 5% of the Manager volume.
Regional Managers earn 45% of the volume of individually recruited Beginners, 30% of the volume of Juniors, 25% of the volume of Directors, 20% of the volume of Leaders, 15% of the volume of Managers, and 10% of the volume of Division Managers.
The residual commissions are coded, and this is how the MLM portion of the company operates.

On new sales, the Regional Manager rates are always paid out.

If a lower-ranked affiliate makes a sale, they earn a percentage of the transaction and the remainder is transferred up through a unilevel pay structure:

Consider a Manager-ranked affiliate who makes a sale with a personally recruited Director.

The Manager-ranked affiliate earns 10% of Director sales volume and is compensated accordingly.

Looking at the Regional Manager rate, we can see that 25% is paid based on Director volume.

This leaves 15% of the volume on that Director’s sale to be paid out (25% less the 10% given to the Manager).

To pay this out, the algorithm looks upline in the unilevel team for an affiliate ranked higher than Manager (Division or Regional Manager).

If a Division Manager is identified first, they will earn 5% (15% less the 10% that has already been paid out).

The algorithm then searches upline for the first Regional Manager to pay out the remaining 10% (25% less the 15% previously paid out).

If a Regional Manager is identified first, they will earn the remaining 15%.

Higher-ranked affiliates earn residual income on the sales of lower-ranked affiliates in this manner.

Nothing is ever passed up on a Regional Manager’s sale or when a coded incentive is passed up on a Regional Manager.

Assure For Life Membership
According to the marketing materials for Assure For Life, affiliate membership is related to the purchase of a Family Plan ($40 to $75 per month).

There is also an unspecified “registration fee.”

Conclusion of Assure For Life
Assure For Life appears to be a faceless organization. This is never a good look for a multi-level marketing organization.

Especially when there are unanswered doubts about Assure For Life’s website presence vs their claim of being in business for 70 years.

There are certainly some parent business antics at work here, but nothing is revealed.

Concerning the plans themselves, Assure For Life is refreshingly straightforward in this regard.

According to Assure For Life, they provide “the greatest funeral aid package in the United States.”

If you’re looking for funeral aid coverage, check around and compare prices.

Assure For Life’s MLM side is pay to play. This is taken directly from a promotional video for Assure For Life.

The activation procedure begins with the purchase of a family plan.

You will receive a link to the application on our platform from your sponsor.

Pay to play allows Assure For Life to operate as a pyramid scam.

If the majority of Assure For Life plan holders are also affiliates, this would be the situation (active and inactive).

Assure On Life, for its side, claims to have “2 million covered members in Latin America and the United States.”

I doubt the firm has anywhere near that many affiliates, so those numbers appear encouraging on the surface.

The good news is that as a prospective Assure For Life affiliate, you can easily determine if your potential upline is running a pyramid scheme or not.

Every Assure For Life affiliate must make two new sales each month to qualify for commissions.

Simply ask your potential upline how many sales they made in the last several months, and how many were retail sales.

Accept no ambiguous responses, and interpret any hesitation as proof of a lack of retail sales – neither of which is what you’re searching for.

If, on the other hand, you find Assure For Life’s plans to be competitive, and your potential upline is operating a retail-focused firm, it is true that everyone will have to consider funeral costs at some point.

It may be difficult to market Assure For Life. Nobody wants to worry about their own or their loved ones’ funerals, and insurance tends to put people to sleep.

Personally, I’m still bothered by the lack of corporate transparency. If anyone can figure out who runs Assure For Life or what’s up with the secrecy, please let me know in the comments.

Best wishes!

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