After doing some research..
It's not a scam. It's fukking sales and the pay is based on commissions. Nothing wrong with that if that's your thing. High Risk, High Reward. If you not a hustler like that, then don't sign up.
Ironically, the structure of how they operate isn't that much different than a normal insurance agency. You have the owner, and then agents under him/her that do a lot of the work and earn the sales, and the comissions get shared and everything like that.
They just take it to another level w/ the MLM thing, which gave them the bad rep. Plus their products are

I remember years ago being at our local large mall, I was dressed down with a shoulder bag on waiting for my boy and I got approached by two of them fools there. The girl was kind of cute, but I passed them two of my business cards and said "When you want to actually make money and sell legit insurance, call me" and kept it moving.