I learned first hand, thankfully without suffering loss, that it is a scam. It is designed as a legitimate employment opportunity, but as they say, the Devil is in the Details. When you are hired on to a starting position [the only position available], you are an independent contractor. You do not have available to you any income that you do not generate from commissions after passing the training phase. Also, while in the training phase you are either purchasing your training materials or incurring debt within the office that you are going to be working off later. The latter is not very likely as most people do not make it that far anyway. Is why you will always see them hiring. It seems that they are much like a pyramid plan, they higher you are in the chain is going to depend on how many people you recruit or are appointed to you. STAY AWAY FROM THIS ONE!