Harvard Risk Management Corp. Unemployed? Don't bother applying here..They want YOU to Pay them....AND use your phone mins to boot Cookeville, Tennessee

I am an HRMC agent. A successful one. I have only been an agent for 5 months. I have done everything they asked me to do. I invested in mugs, chocolates, forms, and literature. I have made a lot of calls on businesses. I have signed up many employees of these businesses, protecting their families from identity theft and provided them legal access through LegalShield.

I have been well paid for my efforts, and have earned thousands. Tell me how this is a scam. It is not like someone promised me a salary and then reneged. I knew from my personal interview on the telephone [which lasted 90 minutes] what I was getting into. I accepted the challenge of starting my own business [incidentally for less than $200, including a LegalShield membership].

I work hard, I get paid. No one has approached me about hiring "down lines."  The training I have received has been superb. The materials are well organized and easy to understand. The only hard part is that gee whiz, you gotta go out and knock on doors. 80% of the salespeople in this country are too lazy to do it. Then, when they realize this job is not a free ride, they slam everyone associated with their failure.

HRMC is the real deal. No one twists anyone's arm to come work here. I have not twisted anyone's arm nor pressured anyone to purchase the products offered by LegalShield. And I have not had all the cancellations referenced in these reports, which for the complainant, resulted in a loss of commission.

And finally, to answer the person who said if all is legit, why am I on this post? A client, just before she bought from me this morning mentioned all the "bad press" for HRMC, so I decided to take a look myself. And as I suspected, the complaints are unfounded, coming from individuals who heard what they wanted to hear during the interview process and the part about working or making an investment in their future escaped them.

Harvard is a 3rd Party Broker offering 2 legitimate products for sale owned by independent companies ---  LegalShield and Kroll ID Theft.

Harvard does not offer a job. It offers you an opportunity to become an Independent Agent affiliated with Harvard and be in business for yourself.

There is NO COST to become a Harvard Agent, get Trained and Certified to sell their products. Legal Shield requires Agent membership in order to sell their product and receive a commission for each membership sold.

Want to become your own boss and represent Carvel or McDonald's or Krispy Creme, etc? Get ready to fork over hundreds of thousands of dollars or more for a franchise.

Sales is not for everybody. Working as an Independent Agent is not for everybody. Commission only income earned is not for everybody. Being in business for yourself is not for everybody.

Some people like being hired drones, handed a weekly or bi-weekly check by an employer and being told what to do, when to do it, how to do it, etc by overbearing bosses.

The complainers who have posted here should not discourage those who have sales ability, want to sell a legitimate product and be in business for themselves.

If the opportunity isn't for you, acknowledge that fact and move on with your life.

Don't ruin the opportunity for others.

I have been a member and associate of PrePaid legal/Legal Shield for over 4 years now.  This membership has saved me well over $1000 in legal fees for me and for my family.  Although I have not pursued the Associate part (selling) the membership during this time, I fully plan on doing so this year. Legitimate company offering an excellent service at a reasonable price for all that you get.  Is this for everyone?  Of course not...just like the previous person said, not everyone goes to college, etc.  I am in the insurance sales industry and can easily see how I can make this service work for me and others as well. 

It's curious that the above poster is selling $10,000 worth of memberships per month but still has the time/interest to get on here. Thou protest too much, and in a tone and wording very similar to the CEO's writings all over the internet. If the company and it's practices are legit, why take offense from more transparency for those trying to make up their minds?

For those trying to determine the legitimacy of this company, it's "fine print" so to speak, etc, there is a very informative report elsewhere on this site that lets you review the actual contract the sales staff sign. You can find that here. http://www.ripoffreport.com/employment-services/harvard-risk-managem/harvard-risk-management-corpor-1a20b.htm

If the poster was genuine in stating he sold that many memberships, as you can see by the contract, not only is a bulk of what was owed actually advanced commission, which must be paid back should memberships drop before a year is out (and they drop like flies), he cannot use that bulk for himself, family, household, etc. Contractually it is ONLY to be used for the business. 

It's all there in the report linked above, so you have all the information to make an informed decision. Those are facts, not opinions or experiences. 

I must say that I cannot speak to any single individuals experience with HRMC, however I feel it's only appropriate to give another side of the story.  I was recruited by Harvard Risk Management less than 1 year ago and although this is my first ever full-commission position, I'll never go back to salary again.  If you think objectively, not based on one individuals displeasure with PrePaid Legal, this is a great position for someone that see's themself as a true sales professional, or would like to become one. 

Are there people that won't succeed here?  YES!  Just like there are people that don't graduate from College, get fired at McDonald's and lose their job due to a poor economy.  I knew that before I took this position and as a succesful person I simply decided not to determine my future based on the failures of others.  If selling group benefits isn't for you, I wish you the best of luck, but I am just disappointed that somebody would like to discourage another, just because they don't like a job.  You went through the recruiting process, you didn't like the job, you didn't do it.   It sounds to me like their process worked perfectly for you - and for the person that goes through the process, likes the job and moves forward....  Ditto.

Also, consider this: Realtors spend thousands of dollars to get licensed to sell houses, many of them never make a single sale.  I spent $35.95 to get this position, that was an investment I was comfortable with.  If you're not, I don't think anything less of you for it.  So far, it's been the best investment I've ever made in my life.  Does that mean it would be your best investment too?  Absolutely not.  But for $35.95, I think that's a small price to pay for a position that paid me over $10,000 last month.  You don't need to be a math major to figure out if a profit was made. 

It's your right to not want to do this job - I hope you find something you enjoy.  But I encourage you not to discourage others who might be perfect for this, just because it isn't perfect for you.  That's not fair to someone whose life could be changed forever, what if they never give it a try just because they read negative remarks on a complaint board?  That's robbing them of potentially years of improved lifestyle.  Far worse than a mere $35.95 per month.  By the way, I'd ask your phone company why they still charge you for long distance!  Wat's up with that!  I haven't paid for long distance in years.

No need for a rebuttal, both sides are shared and I've said my peace.  I likely won't stumble upon this site again.

Best of luck to all and God Bless.

This is the experience of many others and what this person is saying can all be easily verified online. In this economy, and especially around the holiday season, it's even easier to be taken advantage of because people want to believe the answer to their prayers have come and the end of their financial difficulties are just after signing on the dotted line. 
Please, please, please do your homework. Learn about the products, what companies they come from, and the history of those companies. Otherwise you are the consumer, on the hook for a membership many others have trouble cancelling, and in debt for however much they can get you to pay for marketing materials, leads, conventions, etc. 
Not just for this company, but similar companies as well. It pays to do your homework, and it will certainly save you time and money.