better join new york life

https://www.youtube.com/watch?v=xWqlIxaDXbg

I think that you have been approached by someone name Bhandari or Khanal. There are so many Nepalese who can't even fill up one form and now just to earn commission they are trying to sell bad products to innocent Nepalese people. You can see them at most of NOVA and DC events and Neplese gathering, trying to convince people about their products and financial advice that anyone could make 5 figure salary. These people has even isolated their own Nepalese neighbor who didn't buy their products or became their group member. Now you can see all his family members working for pfa and even successful to gather lots of Nepalese in their group. I hope that those people what they are doing. I would better go with $3000/month income rather selling unsuitable products to innocent people.

Dear ShankarHuShankar ---- could you please provide me with some background? You said selling bad products (financial products) to innocent people.

Racheeta timi US farki sakeko ho Ki Nepal jadai gako Chaina?

To be honest - i think it's a fault of both side.....you have a rookie insurance agents that want to sell insurance. So, with pretty much every sale strategy you go to the people you know the most to tell them about the products/goods/service and tell'em all the good stuff. And in this case....nepali people like to think that other nepali people won't screw them over. So the buyer will hear all the good stuff and trust agent and buy the goods.
The key issue is....the buyer needs to educate themselves enough to ask the right questions instead of just trusting someone cause he is from your country. Everyone gotta eat!!! And let's really be honest....from what i've seen, nepali community don't believe in life insurance....they believe in "my kids will take care of me insurance".
FYI, I've been approached twice by two nepali agent from different firms....one for retirement and health....and both times i had a meeting and i really listened to them to hear what they have to say so that i can compare and decide to purchase or pass. Problem was, when i asked questions....the agents for most part didn't have an answer, became hesitant (and one of them started to sweat like a waterfall), and really lost the control of the meeting, at that point i was like dude your wasting my time....don't call me....I'll call you!

what about insurance offered by transamerica. anyone has idea?

Insurance bhaneka nai sab ka sab chor hoon! Insurance should be bought for protection only not with purpose of investment and returns.

How much risky is the IUL product-
https://youtu.be/ehYT1DqDcAA

I believe a civil suit is right around the corner.