The return percentage is the same, but the impact to lifestyle is, presumably, vastly different.  

And keep in mind, this is to an economy who shed a vast swath of skilled labor via '08' GFC and people retraining out of such. 

Over the years we have narrowed down the vast number of Sponsors in the industry to a short list, all with amble track records.

The vast majority of money that you need to raise will have to come from your network.

It has vastly different factors to it. 

Do I have a attitude, you bet, can't collect from them when they default and 80% will be a problem guaranteed.The vast majority on welfare of any type in Ontario are scammers stealing tax dollars and all believe they deserve every cent they receive.

The vast majority of Madison, Morgan, and limestone counties should be prime appreciation plays over the next few years.

I can now see why a potential mentor wouldn't consider a straight 'deal splitting' arrangement out of the gate, with the HIGH attrition rate (and time and effort commitment, up front...) but this almost universal "pay to play" model only works with people who have the "investment" funds... which ISN'T the VAST majority of those who are likely to DO THE WORK.

@Craig Tom  fair enough  I live in Portland .. and yes its not chump change to someone.. but its not the end of the world for a 150 to 200k a year engineer  which are the vast majority of mid west investors from the bay area.. so I do apologize that I lumped all the engineers into one box.however if you look at some of the original threads on this company you will see.. the top 4 or 5 turn key operators chiming in.. and for whatever its worth..

The vast majority of the time, these insurances are never paying death benefit as they are lapsing before you die.