Starting with Combined Insurance Co. in 1975, I soon became the most successful and the largest (both with manpower and premiums) ever in the company, which I personally funded with no help from the cheap company (except for the last 2 years, and then very minimal help).
In 1998, I refused to fire a Sales Manager who had been with the company since 1985 because she had accused Richard Ravin's "boy," Fred Prudhomme, of sexual discrimination based on sexual harassment (how many other women has Fred done this with?). I was no then no longer one of Richards "boys" and so left the company to go with Family Heritage Life Insurance Co. This infuriated Richard Ravin, so he sued me and my managers and tried to accuse of stealing money. This was in Federal Court in Columbus & we won by a jury vote - UNANIMOUSLY!
He then contacted the IRS, who contacted the FBI and had us investigated for conspiracies to commit mail fraud, government fraud and conspiracy to launder money (some on multiple counts). We lost and are in the process of appealing. We had many CICA employees testify in our behalf, with Richard Ravin acting as if he didn't even know us and Wick Thurber being very forgetful. Don't be fooled into thinking any of these executives care about you when you don't help them.
Read very carefully all of you managers and R.S.A's.
Conspiracy to Defraud the Government: This simply means putting people on report who did not earn money for that week, or what they call "Ghost Agents." This involves the IRS simply because the Ghost Agent shows as earning more money, while the person putting the income on report shows as earning less!
Conspiracy to Commit Mail Fraud: This is simply the mailing of those packages with the "ghost agents" reports included.
Conspiracy to Launder Money: Cashing the checks of those "Ghost Agents."
Anybody who has knowledge of (even though you may not actually participate in the so-called "scheme") is considered guilty of conspiracy.
Now, I realize that Combined Insurance Company has been actively soliciting such behavior; but, don't be fooled into thinking that because the company wants it that it is legal. We found out the hard way!
Even though we gave our heart and soul to that company, when they were done with us (because we wouldn't cave in to their demands), we were sold out. We did not even realize that what the company expected and required of us was illegal. I am sure that you are not aware of that either. Hopefully, you read this and spare you family and friends the embarassment and heartbreak that we have endured. It takes alot of money to fight Combined Insurance Company and Richard Ravin and alot more to fight the Federal Government. It's not worth it; find a reputable company.
If you have any questions, there are people within the company that can help you and explain fully that this is true and you need to study up on the company practices or check the judicial system in Columbus, Ohio.
Good luck and don't be brainwashed like we were.