First of all, I'd like to say that you may need to look up the meaning of "Ponzi Scheme" before using it to discredit a reputable company that is very successful based on its accomplishments. The minimal fee for sign up (and I mean minimal) are for background check and to get you set up in the system. We have 24/7 assistance, and countless resources at our fingertips to assist our clients in making sound financial decisions. Any other fee's for licensing DO NOT go into the pockets of Transamerica a, but the STATE for licensing, and a separate training provider for course requirements. Transamerica is growing by leaps on bounds. This sort of work requires some people to step out of their comfort zones and it sounds as though you were not a match for the company, which is fine, it isn't for everyone. But do those of us who truly believe in helping families a favor and not bash the company that makes this possible. Best of luck to you as you move forward!