I was invited to their Annual Conference, August 29 - 31 at the Gaylord National Resort & Convention Center in National Harbor, MD. The person who invited (recruited) me has only been at SFG a short time, but is already recruiting 'team members'/'down line' even though he's only sold and had issued a handful of policies and is still at the 60% starting commission level (I found out some of their top carriers don't even pay new agents 60%, but start out at 52%!). The conference focused on those at the top with the highest commission/contract level -- 110%, but they earn that and a monthly Equity Bonus from the production of all of those below them, generating a very high 6 or 7 figure passive income without ever having to submit an application. Even though the conference info provided in 2 full days was like 'drinking from a fire hose', there were no breaks, early sessions at 8:00 AM, 8:30 AM and 9:00 AM, they provided on WATER in funnel shaped paper cups -- no coffee, other drinks, bagels/donuts/pastries, etc. for the morning or even drinks or light snacks for the afternoon sessions that went until 6:00 PM - 7:30 PM. If SFG is generating over $100MM in revenue with very high profits, being Mutual of Omaha's and other top carriers's '#1' IMO, why are they so CHEAP?