Beware of Quility & Symmetry Financial Group & Asurea merger – Review

Quility is an insurance MLM company. On its website, the firm does not disclose a corporate location, although it does declare that it is “Made with (heart emoji) in CA, NC, and NV.”

Quility gives a brief history of its beginnings;

While the Quility brand is new, we have been in the insurance business for quite some time.

Our agents previously represented two partner firms, Symmetry Financial Group and Asurea.

We merged our countrywide network of agents to form Quility in 2020.

Casey Watkins, Brandon Ellison, and Brian Pope are the co-founders of Quility.

Symmetry Financial Group was created in 2009 by Watkins, Ellison, and Pope.

Pope has also been mentioned as a co-founder of Asurea. Pope is listed as Chairman of the Board on Asurea’s website (which is still online for some reason).

This inspired me to search up Symmetry Financial Group, whose website, for some reason, is still up and running.

Quility brand message looks to be all over the place for a merger that occurred about a year and a half ago.

Symmetry Financial Group and Asurea, from what I understand, were both MLM firms.

Casey Watkins remarked in a May 2020 interview

Symmetry Financial Group and Asurea have collaborated since the foundation of our organization.

Given that Brian Pope was a co-founder of both firms, I’m not clear why there was a need for two companies in the first place.

Neither Symmetry Financial Group nor Asurea appear to have encountered regulatory issues since their separate debuts.

I can’t vouch for the specific MLM opportunities because neither was reviewed by BehindMLM.

Today, however, we will examine into the current Quility MLM opportunity.

Products by Quility
Quility sells insurance through third-party suppliers. Quility promises to cooperate with “more than 80 insurance carriers.”

We search over 80 major insurance providers to get you the best coverage at the greatest price.

American-Amicable, Mutual of Omaha, Foresters Financial, Americo, John Hancock, and Assurity are among the insurance firms represented on Quility’s website.

Quility’s insurance products include:

mortgage protection, term life, permanent life, last expense debt-free life, disability, and critical sickness protection, and retirement planning
There are no price examples provided by Quility.

To be fair, due to the individualized nature of insurance, they aren’t that useful.

The Compensation Plan of Quility
For this evaluation, I’m using a “Symmetry Agent Handbook” from October 2021 as my compensation plan.

The guide does indicate that Symmetry is “powered by Quility.” However, the paper regularly refers to Symmetry Financial Group’s website.

I’m not sure why Quility still doesn’t have its own compensation documents a year and a half after debuting.

Affiliate Ranks for Quility
Quility’s compensation structure includes fifteen affiliate ranks.

They are as follows, along with their respective qualification criteria:

Sign up as a Quility affiliate if you are a new agent.
Seasoned New Agent – in your first six weeks, submit six policy applications.
Top Producer – have at least $20,000 in policy volume for two months in a row.
Elite Producer – create at least $30,000 in policy volume for two months in a row.
Team Leader – for two consecutive months, earn at least $10,000 in personal policy volume and $15,000 in group policy volume, and recruit and retain three New Agents or higher.
Key Leader – for two consecutive months, earn at least $20,000 in personal policy volume and $30,000 in group policy volume, and build a downline of four New Agents or higher (three must be personally recruited)
Agency Owner – for three consecutive months, earn at least $30,000 in personal policy volume and $50,000 in group insurance volume, be at the 95% commission level, and develop a downline of six New Agents or higher (four must be personally recruited)
Agency Director – find and keep one Agency Owner or above.
Regional Agency Director – find and keep two Agency Owners or above.
Senior Vice President – recruit and retain two Agency Directors and one Agency Owner or higher Managing Vice President – recruit and retain one Agency Director and one Agency Owner or higher
Associate Partner – recruit and retain one Managing Vice President on a 120% commission rate, two Agency Directors, and one Agency Owner or higher Senior Partner – recruit and retain two Managing Vice Presidents on a 120% commission rate, two Agency Directors, and one Agency Owner or higher
Managing Partner – on a 120% commission basis, recruit and retain three Managing Vice Presidents and one Agency Director or above.
It should be noted that the needed rankings and commission rates of recruited affiliates are the bare minimums.

See below for commission rank qualification criteria.

Quility’s commission rankings are in addition to its affiliate ranks.

Base commissions on approved policies are determined by commission grades.

Sign up as a Quility affiliate and save 70%.
75% – produce $2500 in PV or GV
80% – produce $5000 in PV or GV
85% – produce $10,000 in PV or GV
90% – produce $15,000 in PV or GV
95% of the time, you will earn $20,000 PV or $30,000 GV (across six recruited affiliates)
generating $25,000 PV or $45,000 GV at 100% (across nine recruited affiliates)
105% yield – $27,500 PV or $65,000 GV (across thirteen recruited affiliates)
110% yield – $30,000 PV or $95,000 GV (across nineteen recruited affiliates)
115% yield – $35,000 PV or $145,000 GV (across twenty-nine recruited affiliates)
120% yield – $40,00 PV or $225,000 GV (across forty-five recruited affiliates)
PV (Personal Volume) refers to insurance volume created by an affiliate.

PV created by an affiliate and their downline is referred to as GV.

It is important to note that the requisite PV and GV must be maintained for two consecutive months.

Also, no more than 50% of the needed GV can come from any single unilevel leg.

Although it is not specifically stated, I assume that once qualified, rankings are permanent.

Commissions on Policy Volume (first year)
The policy volume commissions at Quility are linked to the commission grades above.

All written policies are subject to a 120% commission. Higher-ranking Quility affiliates can now earn commissions on downline volume.

These are known as “override” commissions, and they are monitored through a unilevel compensation system.

In a unilevel compensation system, an affiliate is put at the head of a unilevel team, with every individually recruited affiliate placed right under them (level 1):


If any level 1 affiliates acquire new affiliates, they are assigned to the original affiliate’s unilevel team at level 2.

If any level 2 affiliates recruit new affiliates, they are promoted to level 3, and so on for an unlimited number of levels.

An override works as follows: a lower-ranked affiliate sells an insurance and receives the equivalent commission rank rate.

If their upline is better rated, they earn the difference in commission rank rate between themselves and the downline affiliate.

Upline affiliates can thus get overrides ranging from 5% to 50%, depending on their commission rank and that of downline affiliates.

Commissions on renewals
Quility does not give insurance renewal commission information.

According to the company’s compensation plan, “this form of commission is not accessible from all carriers.”

Bonus for Downline Volume
Quility affiliates may be eligible for a bonus based on downline volume (GV).

Bonus eligibility is decided by whether an affiliate qualifies for commission rank based on their own volume (Producer) or that of their downline (Builder).

Producers must generate $5,000 per month in PV.
Builders must have a 95% commission rate and generate $25,000 GV every month.
Builders with 105% commission or greater must generate $35,000 GV every month.
The following extra lead-based qualification is also applicable:

PPL of $200 to $249 over a 90-day rolling period equals 50% bonus rate paid out PPL of $250 or higher over a 90-day rolling period equals full bonus rate paid out $7500 in “max case credit” is necessary
PPL stands for “paid premium per lead” and is the monthly average PV earned from purchased leads.

The term “max case credit” is not specified in the compensation contract. I’m not sure what this is.

If the preceding requirements are satisfied, bonus rates are determined based on monthly produced PV:

generate $12,500 to $14,999 in PV per month and earn a 2% bonus rate generate $15,000 to $19,999 in PV per month and earn a 2.25% bonus rate generate $20,000 to $24,999 in PV per month and earn a 2.5% bonus rate generate $25,000 to $29,999 in PV per month and earn a 3% bonus rate generate $30,000 to $39,999 in PV per month and earn a 4% bonus rate generate $40,000+ in PV per month and earn a 5%
Other Bonuses The pay data for Quility mentions a Capital Bonus, “120+ Equity Bonuses,” and “other incentives.”

There is no information about the Capital Bonus.

The 120+ Equity Bonus appears to be an option that becomes available when a downline affiliate hits the 120% commission rank.

The term “equity” implies that shares may be given, but no specifications are supplied.

The following are some additional incentives:

Each year, SFG Destination is the highlighted trip, and agents have a yearlong qualification process to win an invitation to the trip.

Other events, such as Symmetry Open, November to Remember, Bonus Lead Bandito, and so on, run for a shorter length of time and are carried out on a regular basis throughout the year.

The preceding paragraph refers to “trips and contests” provided by Quility’s linked insurance companies.

When you join Quility, you must apply for licenses, errors and omissions insurance (optional), and pass an in-house exam.

Quility does not give any of these costs.

My main issue with Quility is its lack of openness.

When it comes to insurance MLMs, there’s a lot to take in. Quility does a decent job of describing what they do discuss (which is obviously a lot), but important due-diligence considerations are left out.

To begin, there is the expense of joining the firm. I’m assuming licenses are necessary, in addition to whatever Quility charges.

The failure to disclose these expenditures raises an obvious red flag and may be a violation of the FTC Act (disclosures).

Then there’s Quility’s equality initiative, which I raised as a concern while discussing salary.

While no specifics are given, Quility does provide the following explanation in its compensation glossary:

Rights to Appreciation in Equity (EARs)

EARs let the grantee to participate in a portion of Quility’s value development beyond a floor value defined in an award.

These are awarded as a “gift” to the recipient by the corporation at its exclusive discretion and are subject to the terms of the grant (including conditions on forfeiture).

Recipients must be in good standing at the time of a “trigger event” to receive payment on the EARs they possess.

Someone appears to be making a concerted effort to avoid using the term “shares” to describe a virtual share scheme.

This is noteworthy since Quility, Symmetry Financial Group, and Asurea are not SEC-registered companies.

It’s interesting that Quility doesn’t disclose information about their equity initiative. The “Agent Handbook” of the firm is offered as a synopsis of the “Agency Owner Handbook.”

This condensed version is 36 pages long, so Quility isn’t bashful about explaining anything.

Instead, the equity program’s elements appear to be deliberate, which raises another red flag for me.

Aside from that, Quility’s compensation looks to be straightforward. You are eligible for a commission rate, can earn on lower-ranked downline affiliates, and there are additional bonuses available.

One issue with compensation is the necessity that Quility affiliates purchase leads and maintain a PPL of $200.

Conversion of company-supplied leads is a significant variable, and attaching it to bonus qualification appears to be unjust.

Not only that, but Quility will disconnect you if you do not convert their leads:

To guarantee profitability and continuing participation in the Mortgage Lead Program, agents should maintain a $250 monthly minimum Paid Premium Per Lead (PPL), a 65% or higher issue rate, and a close ratio of 30% or higher.

If an agent’s statistics fall below these minimums for two consecutive months, SFG has the right to revoke a standing A lead order.

Quility’s premium leads are referred to as “A Leads.” The firm provides

A Leads – “the most recent sort of leads” (less than 21 days old).
Overstock Unsold A Leads Leads that are older than 21 days ($9 to $13)
Bonus Leads – previously sold leads to current agents, $7.99 to 50 cents
No explanation offered for DX Leads.
Quility asserts the following about A Lead pricing:

The cost per lead is determined by the contract level of the agency (see the SFG Promotion Guidelines for A lead cost).

The linked “SFT Promotion Guidelines” paper provides no cost information for A Lead.

However, based on the costs revealed, we may estimate that A Leads cost more than $13 apiece.

That may soon pile up. Oh, and if you don’t convert your purchased A Leads, Quility will likely continue to offer you cheaper leads.

In theory, these leads would be more difficult to convert, so I’m not sure what the rationale is other than cha-ching.

In terms of insurance, Quility claims to provide “the finest coverage at the cheapest price.”

We do the legwork to get you the finest coverage at the cheapest price. It’s our pledge to you.

If you have insurance, a Quility online tool appears to make comparison simple.

Get a free quotation based on your insurance needs in seconds, then go to our online application to obtain the coverage you require in 10 minutes. It’s as easy as that.

The program does collect your contact information, which appears to be inevitable.


What I’m not sure about is whether or not utilizing the app makes you a sellable lead. If that’s the case, I can see it being annoying.

The good news is that leads can provide you with insight about your possible upline’s Quility business.

You may either ask them how many leads they purchased in the last several months and how many converted.

Or simply request their PPL (PV divided by how many A Leads they purchased that month).

Personally, I’m not a fan of required lead purchases (you must buy leads in order to fully join in Quility’s MLM opportunity), but if it’s there, utilize it as a tool before signing up.

Another thing to keep an eye out for is clawbacks. 120% commissions do not appear out of nowhere. You are being compensated for future policy payments under the premise that such policies are not terminated.

If they are, you are liable.

Chargeback on Commission

If an agent receives advanced compensation and the customer fails to pay the premium or cancels the policy, the carrier will chargeback the agent’s fee for any unpaid premium.

Override commissions collected for a downline agent’s company might likewise be charged back.

The last point I’d want to touch on is Quility’s branding. Why are Symmetry Financial Group and Asurea still around if they allegedly merged into Quility?

I couldn’t discover anything about it anyplace. And it’s absolutely perplexing.

Consider the “Code of Conduct” on the right, which is derived from a Symmetry Financial Group-branded manual available on Quility’s website.

As you can see, both names are used interchangeably by the firm.

Was there a merger at all, or was Quility formed as a new brand to promote Symmetry and Asurea under?

If there had been a serious attempt to merge the firms, wouldn’t everything be under the Quility name by now?

Proceed with care.

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