not a scam
i do this part time is not a scam i love financial services. but it may not be for your mom, just like becoming a teacher required to get licensed, so does this in order to make money you have to have a life, health, and securities license.
there are many out there like primerica. you have edward jones, merril lynch, ameriprise financial, thrivent financial.
it is an industry that offers average americans the products you need. if you want to start a roth ira it only takes $25 a month. you need health insurance, they sell it. you need to long term care to protect your assets from being taken by the state when you end up in a nursing home, they sell that product. you need life insurance, they sell term and help you invest the difference. watch suzie orman and dave ramsey, top notch consumer products experts. you only need life insurance when you are young married with kids and a mortgage. if one of the parents die, not only do you loose a family member, but their income.
example you make $30k and your husband $30k together you are able to pay all your bills, he dies you loose $30k in income, how do you now pay the bills.
it is not a scam, you sell products, but get paid commission, just like a mortagage broker, hair stylist, realtor.
so ask your mom if it is really something she wants to do and if she says yes have her do it part time.
the company was founded by a coach and teacher after her mother past away and found out the garbage whole life policy that was sold to her mom.
more info go to primerica.com
hope it helped.
by the way all licensed reps are regulated by the state and federal agencies. if you have a problem with one just call your local state department of finance. remember not all people are honest if they where we lived in a perfect world where politicians do not lie.