<prompt> Human: A few weeks ago my mom attended this personal finance seminar. Shes been sooo swayed by everything theyve said since. The lady that introduced this to her apparently works for Trans America, Voya, and WFG. Or at least thats what I got from this. This lady takes extra measure to either answer me with lingo I dont understand, or give some indirect or incomplete answer. My mom has fallen for MLMs in the past ans Ive warned her SO many times to not sign up for this shit but today she told me theyre admitting her to the company. UGH!nbsp;My mom doesnt even know the damn company shes joining. Shes a Chinese immigrant that barely knows a lick of English so she gets scammed a lot. So all I can pull from their group chat on WeChat is that this is a universal life insurance company called VOYA, that their office is called Radnor Office in Pennsylvania, and I have a few brochures in Chinese that I dont know how to read unfortunately. Ill link them here. Lastly she told me she would have to apply for licenses, and then her job would be to recruit others and get commision from them. To me thats a big red flag but I need a second opinion. nbsp;Thank you all so much for reading this and please let me know if this is fishy!! Im really scared she fell for something again after I told her to NOT do anything without consulting me, and I already told her I dont trust them but I guess shed rather trust this charismatic stranger than her own son!EDIT: She just told me she had to pay 100 for training and licensing...  <response>: and then her job would be to recruit others and get commision from them. To me thats a big red flag but I need a second opinion. Yes, that is the structure of an MLM - same with beach body, shakeology, amway, primerica, etc etc Edit: This is basically what she would be selling: 