Friday, March 31, 2017

Why most MWR Life reps are completely broke

It’s hard to decide which MLM products are the shadiest…it might be financial coaching, but “tech” products and legal services are a close second, and let’s not forget travel and shopping discount memberships.

Well, MWR Life wraps them all up into one MLM-tastic package with a big, bright red sticker on top that says “sue us!”. Too harsh?

Company actually has done a few things right, despite major issues. Have I been involved?

This video explains everything:

Make sense? Either way, here’s the full review on MWR Life.


MWR stands for My Warranty Rewards, and the company is headquartered in Aventura, Florida.

They were founded by Jay Tuerk and Yoni Ashurov in 2014, and they’re currently operating only in the U.S. and Canada with Ashurov as their COE.

This company is pretty new, and they haven’t generated a ton of buzz yet (though there’s definitely some). This is another MLM that teaches distributors to target their “warm market” – family and friends. The warm market approach is also known as the lose all your friends, alienate all your family members, and get blocked on every social media channel approach. Works every time.

How much does MWR Life cost?

There are three different starter packages ranging from $99-$499. This MLM doesn’t have any actual products, so you’re not getting a giant box of miracle pills and eye cream if you buy the more expensive packages. All you’re getting is access to more aspects of the compensation plan.

  • Silver ($99): This is the basic package, and with it you’re partially eligible for the compensation plan, including customer bonuses, expansion bonuses, customer residuals, and team residuals.
  • Gold ($299): This is the builder package, and benefits include access to the full compensation plan, a founder position (lol @ paying $299 to be called a “founder”), “gold status” on your website, and eligibility for a $500 monthly 3×3 guarantee.
  • Platinum ($499): This is the success package, and it includes full eligibility for the compensation plan and everything else in the Gold package. In addition, you get a manager position, a qualified founder position, an MWR Academy certification, a 10% pay increase on personal production, and private coaching calls.

In order to stay active, you also have to make monthly payments to Biz Center to access websites and training materials, and that costs $30/month. In order to stay qualified (to receive commission), you need to be active and have at least 5 Customer Points. Each product package is worth 1-2 Customer Points.

This is getting to be a pretty expensive venture (over $1,000/year, in total, plus the initial investment).


MWR Life doesn’t actually sell any products, but they do sell a huge array of “life-enhancing” services.

Financial Edge

These are there financial coaching services. The package comes with a variety of programs and training materials with different focuses, from budgeting, to credit scores, to savings and investment. The package includes:

  • CreditMAX
  • EquityMAX
  • MoneyMAX
  • WealthMAX

It retails for a whopping $79.97/month. I can give you some budgeting advice for free right here – spending 80 bucks a month is not budgeting and saving money.

Lifestyle Advantage

This is their discount and savings program that’s meant to help you find more affordable travel deals, retail products, and dining options. Their booking website supposedly has a “110% price savings guarantee”. The package includes

  • Travel Advantage
  • Shopping & Dining Mall
  • Grocery Getaway

It costs $49.97/month. Again, spending money to save money. It makes no sense, especially because their systems DON’T save you $50 a month. Often times, they don’t save you anything at all.

Life Essentials

This is a package that combines 10 of their most “essential” services, which you can also buy separately, into one monthly subscription. The membership includes:

  • Roadside Assistance
  • 24/7 Telemedicine
  • 24/7 Tech Support
  • 24/7 Personal Assistant
  • Legal Access Plus
  • Financial Coaching
  • Tax Hotline
  • Identity Theft Protection
  • Personal Accident Coverage
  • Worldwide Air Medical Evacuation

This package is $49.97/month.

Are these things actually “essential”? Some of them, like roadside assistance, tech support, and personal accident coverage are actually very beneficial to have…but you likely already have them. Your car insurance, the company that made your computer, and your credit cards offer all kinds of coverage that’s likely better than theirs.


Their website is full of stock photos of lambos and mansions in Malibu, but can you actually make money with MRW?

There are 11 ways to earn with this company. Here are the main routes.

Customer Commissions

Every time you enroll a new customer, you get a $25 one-time bonus. On top of that, you get anywhere from $.25-$8.00/month from customers throughout your organization, unlimited levels deep. The higher your rank, the higher your commissions.

Considering the high prices of their monthly memberships ($50+), these are pretty weak commission rates.

Team Commissions

You also get monthly residuals from distributors in your downline up to 7 levels deep. These commissions range from $.50-$3.00.

  • Level 1 – $.50
  • Level 2 – $.50
  • Level 3 – $1.00
  • Level 4 – $4.00
  • Level 5 – $1.00
  • Level 6 – $1.00
  • Level 7 – $3.00

If you start out as a gold or platinum member, you also get 25% commission on the entire pay of your direct recruits. Clearly they want you to buy in big, because that’s a much better deal than the standard commission rates.


MRW has a bonus structure that’s pretty similar to other MLMs. Most of their bonuses are given out if you can sell a lot in a short amount of time, especially within your first month, or once you start moving up to the top-level ranks. A lot of these bonuses require you to buy in at gold or platinum level.


This is one of those MLMs that doesn’t have a real product to stand on. They offer a variety of vague services, most of which your average person already has access to through other (far cheaper) means, such as their insurance, product warranties, credit cards, and AAA memberships.

The compensation plan is very, very top-heavy. Most people will earn nickels and dimes, but the few who make it to the very top will rake in the cash.

It’s a big risk though, considering it’s one of the most expensive MLMs I’ve reviewed if you want to access the compensation plan and stay qualified.

If it’s really financial freedom you seek and you like automated ways to build passive income, there are better ways.

(and you can trash those old MLM habits, too)


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