Had faintly heard about the scam in Nepali community, sad to hear that it is a much pronounced problem now.

Thanks to Rahulvai for bringing this to the forefront.

Anytime a pyramid scheme, Multi-level-marketing scheme is discussed a red flag should go up. I don't care if it's to sell legal services, health products, insurance or any industry - if they tell you you earn money to bring in more people then get out of that meeting, specially if the product costs your initial payment up front and the product you are getting is not something you would've bought if this service wasn't available. Unless you are the top 3 layers in the absolute chain, you will hardly make any money and lose a lot of friends.

Life Insurance still is not utterly a bad thing, as long as it is done with proper understanding and from a reputable company.

Be aware. Shame on these leeches who are stuck in this hole and want to drag more people with them.