Is Symmetry Financial Group Legit? A Review of Symmetry Financial Group

Technology has changed the way we live and work.

Perhaps you are thinking or looking for ways to make money from home.

Are you considering a business opportunity with Symmetry Financial Group (SFG)?

SFG promises flexibility of work with unlimited earning potential.

People are warning about this company.

Some claims SFG is an MLM pyramid scheme.

Others say Symmetry Financial Group is not legit.

Now, you are researching the truth about Symmetry Financial Group.

If you want to know everything about Symmetry Financial Group, you found the right article!

You will learn some background on SFG, its products, and its business opportunity.

This review offers answers to your questions in a fair and balanced analysis.

It is up to you to decide whether it is a good idea to join this company or better to stay away from it.

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Symmetry Financial Group Review Summary


Business name:
Symmetry Financial Group (SFG)
Type of Business: 
Multilevel-Marketing (MLM)
Initial Investments: 


What Is Symmetry Financial Group?

First, this is not an insurance company.

Symmetry Financial Group is an insurance marketing organization.

As an Insurance marketing company, SFG promotes and sells products of insurance companies like Mutual of Omaha, Foresters, Transamerica, and other name-brand.

Casey Watkins, Brandon Ellison, and Brian Pope formed Symmetry Financial Group in December 2008.

The company headquarters is in Swannanoa, North Carolina.

SFG offers a variety of insurance products, including mortgage protection plans, term life plans, final expense policies, and retirement programs for individuals and small businesses.

The company adopts the Multi-Level-Marketing (MLM) to promote and sell its insurance products.

It also uses recruiting as its marketing strategy. The fact is that most people regard MLMs as pyramid schemes. That’s why many people also think that it’s a pyramid scheme.

As a business partner of FSG, you make money from selling insurance products and recruiting others to join.

Individuals can sign up for the FSG Agency Building Opportunities. It’s a business program where Symmetry provides marketing materials, training, and support in exchange for recruiting and sales.

The SFG business model relies heavily on recruiting new and inexperienced people.

The fact that most people regard MLMs as pyramid schemes. That’s why they also think that Symmetry Financial Group is not legit.

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Is Symmetry Financial Group Legit?

Symmetry Financial Group is a legitimate insurance marketing company. The insurance products they promote and sell are also legit.

The company allows business partners (agents) to shop for low insurance rates to sell to the public.

But there is no guarantee that you will make money working as an agent or business representative of FSG.

Some people say SFG is a pyramid scheme. It is not legit.

However, just because the manager gets a cut from the commission and encourages you to recruit more agents (business partners) does not mean the business is a pyramid scheme.

The FTC provides a detailed explanation of an illegal MLM, a pyramid scheme, which you can read by following the link.

As a business owner, you have to pay for your business expenses, such as licensing, sale leads, and marketing.

It is legit for FSG to require agents to pay their business expenses.

Whether you make money by joining FSG or not depends on many factors.

We warn you: “It is not easy to make money as an insurance agent.”

FSG is not for those looking to start a home-based business. The company uses the face-to-face meeting to sell products. It requires a lot of traveling.

There are many legit online businesses to earn passive income from home.

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You must do research by following the link above to avoid scams.

SFG owners Casey Watkins, Brandon Ellison, and Brian Pope.

Casey Watkins, Brandon Ellison, and Brian Pope are founders of FSG.

The three trios have decades of combined experience in this field. They know all the ins and outs of insurance marketing.

Brian Pope became a field agent for Met Life in 1987. He worked as an agent for three years, then transitioned into a sales management position.

IN 2008 Brian founded Insurance Wholesales Inc., which he grew into a million-dollar company. He also served as chairman and board member of some of the largest life insurance consortiums in the United States.

Casey Watkins and Brandon Ellison are prior MLM agents who left to form Symmetry Financial Group in 2009.

With over ten years of experience in insurance marketing, Symmetry Financial Group (SFG) is one of the fastest-growing companies based in Swannanoa, North Carolina.

How Does Symmetry Financial Group Work?

Symmetry Financial Group adopted the Multilevel Marketing (MLM) business model to promote and sell insurance products.

Individuals can contract with Symmetry Financial Group to sell insurance products approved and recruit others to earn commissions.

If you want to partner with FSG, you need a sponsor. Someone has to recruit you.

FSG offers you one of these paths to business ownership:

  • Producer: It is the newbies. You start working for FSG as an insurance agent.
  • Wholesaler: It is for experienced agents with all the tools and training to jumpstart their careers.
  • Owner Path: It is the flagship of FSG. You build your agency. It is the goal of everyone joining this company.

The company encourages every agent to start building agencies right away by recruiting salespeople under them.

The SFG business model relies heavily on recruiting new business partners to sell and make money.

Individual agents/managers/partners aggressively recruit throughout the United States through Craigslist, ZipRecruiter, Monster, Indeed, and other job posting services.

The company teaches you to sell insurance using face-to-face meetings with prospects who request information by mail.

It relies on old-fashioned belly-to-belly appointments to get to know your prospects to determine how you can best help them.

The fact is that most people regard MLMs as pyramid schemes. That’s why many people also think that FSG is a pyramid scheme, a scan, and not legit.

Symmetry Financial Group Start Cost

The Symmetry Financial Group business opportunity requires a startup cost as high as $10,000.

To open an FSG location, the company requires the following costs:

  • The enrollment fee is $149 per Symmetry agent/partner. This fee allows you to sign up new agents under your license for Symmetry Financial Group’s programs.
  • The marketing fee is $299 per agent or partner. It allows you to access all marketing materials, training, support, and the ability to sell Symmetry products.
  • The cost of purchasing insurance leads is $8 to $12 each. FSG prices each lead according to your agent contract level.
  • Licensing and appointment fees vary from state to state. It ranges from $200 to $300 cost. It also depends on whether you’re an individual agent or an agency.
  • For pre-licensing, expect to pay $50 to $150 for courses like ExamFX and XCEL Training.
  • You will need to purchase errors and omissions (E&O) insurance. It also calls professional liability insurance. This insurance costs approximately $460 for the year.

After being appointed with Symmetry Financial Group, you may have some additional expenses.

They might include various memberships and participating in company-sponsored events and boot camps.

Some of these additional expenses can cost thousands of dollars.

We understand that it takes money to make money. The question is: can you make money with FSG?

We have to review the FSG commission structure to answer this question.

Symmetry Financial Group Commission Structure

No Symmetry Financial Group review would be complete without talking about how much SFG business owners earn.

You should know that an FSG career is a 100% commission income opportunity. There is no Symmetry Financial Group salary.

FSG agency owners earn two types of commissions:

  1. Insurance policy sale commissions, and
  2. Override commissions.

Below is a quick review of the commission structure for each type:

1. Commission From Insurance Sale

Is Symmetry Financial Group Legit?

Symmetry Financial Group offers 11 commission levels, ranging from 70% to 120%. (See FSG commission structure chart on the right for more info.)

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Every newly contracted agent begins on a 70% commission level.

You move up in commission level by meeting the Personal Production Volume (PV) requirements in 2 consecutive months.

Example: An agent/partner that produces $2,500 PV for two consecutive months in a row will bump from the 70% commission level to the 75% level.

You can earn commissions up to 120%.

However, the maximum commission level that an individual producer can receive is 90%.

Symmetry Financial Group requires partners/agents to start recruiting (building a team) to advance from the commission level of 90% to 120%. It is where the MLM aspect of this business comes into play, the Override Commission.

2. Override Commissions

It is the commission you receive for a policy a downline agent/partner has sold.

The override commission amount is the percentage difference between your commission level and the downline commission level.

Example: Your downline agent is on a 70% commission level. You, the upline agent, are on a 75% commission level. Your override commission is 5% (75%-70%).

Your recruiter, the agent above you, also gets a percentage of your and your downline’s commission.

You can review the Symmetry Financial Group commission structure in detail by downloading this copy of the SFG compensation plan.

Is Symmetry Financial Group a Good Company to Work With?

You now have a basic understanding of Symmetry Financial Group.

What do you think?

Is SFG a good company to work for?

You have to determine for yourself.

We think, for most people, it’s hard to make money as an insurance agent. The MLM business model makes it worse.

Our opinions come from the perspective of an experienced insurance agent, NOT affiliated with SFG in any way.

People usually don’t buy insurance easily; you have to convince them. It requires special sales skills, talent, and experience.

It is not easy for a new agent to make sales because of a lack of experience and little training.

I am speaking from experience. Not only have I worked as an insurance agent, but I won’t do it again.

Your situation may be different.

When deciding if Symmetry Financial Group MLM is for you, The first question you might want to ask is whether you are not comfortable going out of your way to recruit strangers every day for months.

Maybe 100 per month isn’t necessary, but a lot.

MLM business is best for someone who doesn’t mind recruiting strangers and selling dreams.

Statistically, your chances of success with MLM are not good. Over 99.9% of MLM business owners failed.

There are other opportunities for you to make money without recruiting strangers.

I work from home, which is a unique situation. I make a good living without seeing anyone for months.

You might be interested in learning more about My Home-Based Business.

I am not saying this fit you, but who knows?

Final Review on Symmetry Financial Group

Symmetry Financial Group agency doesn’t appear to be a profitable business.

The combination of selling insurance products and MLM business makes this impossible to make money.

I am not picking on Symmetry Financial Group because it’s an MLM.

It has to do with the Symmetry Financial Group business model. The number doesn’t add up for me.

When a business relies on recruiting new members to make money, It will eventually slow down, with no more people to recruit.

That is why earning passive income in an MLM is a myth.

The business model may sustain for a short while. But when recruiting dries up, people start dropping out. The business collapsed.

Why would you invest in a business that’s going to lose money?

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I hope this review answers your questions: is Symmetry Financial Group legit?

Until next time.

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