www.google.com research will locate lots of info on A.L. Williams, now called Primerica.
This site a good start, includes history and details deceptive business practices:
Shocked to hear this is A.L. Williams. These scammers have been using Monster and HotJobs boards to post their opportunity - wasting people's time. The CitiGroup angle really gets them credibility.
They've even been present at JOB FAIRS in our city. I did go to an AL Williams meeting when I was just 'starting' university and was taught the 'power of compound interest' (the rule of 72) -- LOL. Man, I left meeting laughing and saying, "I am not an insurance salesman'.
Did Amway by same friend that brought me to AL Williams - luckily, we learned the power of saturation, endless churn, and MLM burn-out to realize that people are wasting their time here.
If my downline was 'above average' and 'success in their day job', the power of MLM would be instantaneous. But finding 'leaders' is like finding needles in a haystack. Good luck! Not even is as entrepreneurial as they seem to claim they are or there would be more entrepreneurs!