P.S... It kinda sounds like a PYRAMID SCAM to me.. just like 2by2 (anyone heard of that?).
1- they recruit college grads just like pyramid scam (PS)recruit college freshmen.
2- you dont get promoted unless you sell the quota amount of insurance, MVP, etc.. just like those PS dont make money unless they recruit others in their "team"
3-they both have "teams" as said earlier
4- the only ones who make money are those on the top
5- they both promise a huge amount of money earned in a short period of time