10 Myths About Miliare Group

(Debunked)

When you look up Miliare Group, you might find a mix of glowing reviews, agent success stories—and unfortunately, some negative posts on forums or social media. Why the bad press? It usually comes from former agents who misunderstood what they were signing up for: not a “get-rich-quick” gig, but a real business model that requires licenses, training, effort, and client care.

This guide breaks down the 10 most common myths people believe about Miliare Group and reveals the truth behind how our platform actually works.

Myth #1: Miliare Group is an MLM

Truth: The Miliare Group is not an MLM. By definition an MLM requires you to purchase products or services from the company in order to be a representative of the company. As an agent with The Miliare Group you are not required to purchase any products or services to be an agent. You must be properly licensed and appointed which is an expense to you, but the Miliare Group does not receive any profit for agents getting their licenses.

In addition to this MLMs typically have a business model that makes it extremely difficult to earn a livable income without high volume recruiting. At The Miliare Group you can recruit and build a team just like in Real Estate, however you have the ability to earn an amazing income just being a producer and helping families.

Myth #2: It’s a scam to make money off new recruits

Truth: Agents don’t get paid a dime unless they are fully licensed and appointed and help a client place a legitimate, approved policy or account through one of our 175+ product providers. There’s no income for simply signing someone up. New agents pay for their own state-required licensing, background checks, and optional training tools—just like any professional license.

Brokers can earn overrides only after a recruit becomes licensed and writes actual business. If they don't? No one earns anything. That’s the opposite of how MLMs function.

Myth #3: The training is weak or non-existent

Truth: Training with Miliare is intense and structured. Agents complete:

20–40 hours of state-mandated pre-licensing education
10–25 joint client appointments before ever working solo
2–3 hours per week of ongoing live coaching (via Miliare’s MaxOut Monday & Strategic Saturdays)
24+ hours of CE credits every renewal cycle
Quarterly compliance audits for all advertising, paperwork, and product placement

Agents are not thrown into client meetings unprepared. It’s a profession, not a pitch.

Myth #4: Agents are just salespeople, not real professionals

Truth: Every advisor must hold a state life and health license, and in many cases, FINRA securities licenses (Series 6/63 or beyond) to offer retirement and investment products. They also carry $1M+ Errors & Omissions insurance and undergo ongoing compliance monitoring.

This industry is one of the most heavily regulated in North America. If an agent breaks the rules, there are consequences—up to termination or fines from the Department of Insurance.

Myth #5: Clients are pressured into bad products

Truth: If a client ever experienced that, we want to know about it—that’s not acceptable. Every advisor is trained to deliver:

• Full product illustrations
• Transparent surrender schedules
• Multi-carrier comparisons
• A written Financial Needs Analysis

We stand by the majority of our agents who act with integrity, but if you had a negative experience, please reach out. No client should feel misled or underserved.

Myth #6: Everyone who joins drops out

Truth: Like starting any business, it’s not for everyone. Some people leave when they realize they’ll need to actively build relationships and find clients, just like real estate agents, mortgage brokers, or financial advisors.

That doesn’t make it a scam—it makes it entrepreneurial. The people who succeed here are the ones who treat it like the serious, licensed business it is.

Myth #7: There’s no real opportunity for income

Truth: Miliare brokers earn commissions from over 175+ reputable providers, including Transamerica, Nationwide, Prudential, and Pacific Life. As their skills and teams grow, many expand their business into leadership, training, or retirement planning niches.

Thousands of agents have used this platform to build a six-figure income, but it takes work. There are no salary guarantees. The tradeoff? Unlimited income potential with no cap

Myth #8: Miliare just rebrands WFG to hide negative press

Truth: Miliare Group operates under the WFG platform but uses its own branding, systems, and training culture. That’s common in many industries. Think of how Keller Williams or State Farm teams operate with their own team names and logos, yet still report under one compliance umbrella.

This isn’t hiding—it’s franchising. And it allows teams to personalize their coaching, leadership, and support.

Myth #9: This isn’t a real business

Truth: You’ll quickly realize this is a real, licensed business once you try it. Just like a real estate agent pays for their license, finds leads, and builds a book of clients, so does a Miliare advisor.

We give agents the tools: quoting software, carrier contracts, mentorship, ongoing training, and back-office processing. But at the end of the day, they have to build it.

That’s not shady—it’s self-employment with infrastructure.

Myth #10: Negative reviews prove it’s a bad company

Truth: Most of the harshest reviews come from former agents who were hoping for easy income without putting in the work. That disappointment often turns into online criticism.

But go deeper. The platform is:
• Licensed in all 50 states
• Fully backed by major carriers
• Regularly audited and enforced by compliance teams

Bad reviews often reflect unmet expectations—not unethical conduct.

And again—if a client ever had a negative experience with a Miliare advisor, we want to hear about it. The majority of our team works hard to serve with integrity. No client should ever be left confused, misinformed, or underserved.

Miliare Group Reviews

Final Thoughts

Miliare Group isn’t for everyone—and that’s okay. But if you want to work with a licensed advisor who can show you multiple quotes, educate you without pressure, and help you build a real plan, you’re in good hands here.

And if you’re an aspiring agent? Just know: this isn’t a handout. It’s a serious career path for people willing to learn, license up, and lead.

Questions? Concerns? Bad experience? Reach out. We’ll help.

Disclaimer

This content is provided for educational purposes only and does not constitute financial, tax, or legal advice. Product availability, features, and licensing requirements vary by state and are subject to change without notice. All insurance and annuity products referenced are offered through licensed agents of World Financial Group Insurance Agency, LLC and its subsidiaries; Miliare Group operates as an independently branded team within that platform. Mentions of third‑party companies are for comparison only and do not imply endorsement. Always consult a properly licensed professional who understands your specific circumstances before acting on any information contained herein.

References to WFG or any third-party companies—including, but not limited to, Transamerica, Nationwide, Prudential, Pacific Life, Keller Williams, State Farm, and other financial service or real estate organizations—are made solely for illustrative or explanatory purposes. These references do not imply endorsement, sponsorship, or any formal partnership unless explicitly stated.

All trademarks, company names, and logos mentioned are the property of their respective owners.