MWR Life Review – Scam or Legit MLM? Exposed!

MWR Life is a global travel club that provides premier travel and lifestyle membership around the world. It is not a pyramid scheme, and it is one of the legit MLM companies.

There is a good chance that you heard about MWR Life through someone – a friend or family member.

Many people these days are looking for additional income, and you are most likely one of them. There was then an opportunity to work from home by joining MWR Life as one of their independent distributors.

However, as I’ll discuss in this review, there are some reasons why success with MWR Life is unlikely. Experienced salespeople and well-funded recruiters are the only ones I can think of to have real success with this MLM program.

As a disclaimer, I’m not affiliated with MWR Life. It means I’m not paid to write this review. So you can rest assured that you will get an honest and unbiased review from me.

At the end of this review, I’ll also tell you the best alternative to the MWR Life MLM program that has enabled me to make a full-time passive income online.

What is MWR Life?

MWR was formerly known as My Warranty Rewards before being renamed MWR Life in 2015. MWR then focused on pre-paid phone plans and warranty plans.

Most reboots are short-lived because they do not address the underlying issues. This must have happened to MWR Life because they recently switched from phone services to a travel discount company.

MWR Financial was founded in 2018. This company provides a wide range of financial services, including credit counseling, debt management, and more.

The company was founded by Jay Tuerk and Yoni Ashurov.

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What Products Does MWR Life Offer?

MWR Life has two options for joining a service that provides travel discounts, which cost $49.97 or $89.97 per month.

Essentially, you pay for flight discounts, the opportunity to earn travel credits and vouchers, and the opportunity to earn commissions by promoting the products.

If you don’t travel frequently, it doesn’t make sense to pay for the services on a monthly basis.

The same could be said for the financial product. MWR Finance only sells Financial Edge, which costs $79.97 per month.

When you purchase this, you will receive CreditMax, QualityMax, MoneyMax, WealthyMax, and the Debt Resolution Center.

Is MWR Life an MLM?

MWR Life is a legit MLM (multi-level marketing) company. Companies that engage in multilevel marketing are also sometimes referred to as network or direct sales businesses.

As a multi-level marketing firm, MWR Life won’t provide its sales representatives with a regular salary. After joining MWR Life’s MLM program and becoming one of the members, you’ll run your own business as an independent distributor of MWR Life products.

However, it is unlikely that you can make a good income selling their products. As in the case of most MLM programs, your business relies on recruiting new members to work under you. You will earn a commission on the sales and new recruits generated by the people you hire once they begin producing results.

This is complex on a number of levels (hence multi-level).

Let’s imagine a triangle. Because everyone in the triangle is in your direct downline (in an MLM, the people beneath you are known as your “downline,” and you are their “upline”), you will earn commissions from everyone in the triangle if the person at the top recruits ten people, and each of these ten recruits ten more.

If you can bring in just 10 people, you’ll make $1100.

Most people in your MLM would rather earn a lifetime passive income from recruiting others than a one-time commission from selling products, even if your MLM offers a wide range of products.

Due to the way the money flows, those at the top of the triangle have the most financial success, while those at the base have the least.

Having a large number of people in one’s “downline” is essential for success in a multi-level marketing company like MWR Life.

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Is MWR Life A Pyramid Scheme?

MWR Life is not a pyramid scheme. It is a legit MLM company that allows members to make money by selling their products. As a member of MWR Life, you don’t have to make money solely through recruitment.

In contrast, a pyramid scheme recruits members by promising them money or services in return for recruiting others. It is unsustainable and often a scam because members at the bottom end are doomed to lose money.

Those who want to join must pay a membership fee to the company that runs the pyramid scheme. The company would share a portion of the funds raised from each additional member they recruit as a reward.

MWR Life distributors, on the contrary, are not paid to recruit new members. There is no direct financial incentives. 

A pyramid scheme is profitable only for the directors of the company, i.e., those at the top of the pyramid, since they can receive a portion of the payments from every newly recruited member. The scheme continues as long as members recruit and funnel money to the top of the pyramid.

Such companies almost never sell valuable goods or services. The scam’s only source of revenue is from recruiting new members and soliciting more money from current members.

A pyramid scheme would have to grow infinitely to make money for everyone who participates. This is impossible due to the finite population of the planet.

The scam will fail if there are no new recruits and other sources of income. Since the majority of members are at the lowest level of the pyramid, most of them will lose their money.

A good example of pyramid schemes is Vemma, a producer of energy and weight loss drinks. The FTC accused Vemma of operating a pyramid scheme in August 2015 that paid more to recruit new members than to sell products.

New members, who were typically college students and other young people promised high compensation, were required to pay $600 for starter packages and hundreds more for monthly products. According to the FTC, the majority of participants lost money.

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MWR Life Compensation Plan

Affiliate Ranks

MWR has six different affiliate ranks, and you advance from one to the next by meeting certain goals. As you advance in rank, you will receive various bonuses.

The ranks are:

  • Manager
  • Senior Manager
  • Area Manager
  • District Manager
  • Regional Manager
  • National Manager

Most people will not make it past the first rank, and almost no one will make it to the last rank.

Retail Commissions

MWR Financial will pay you $80 for each new customer you sign up. However, if a customer cancels within the first three months, you will only receive $40.

You will also receive additional compensation if you have a certain number of repeat customers.

Here’s what you get in exchange:

  • 10 retail customers gets you a $25 bonus.
  • 25 retail customers gets you a $75 bonus.
  • 50 retail customers gets you a $200 bonus. 
  • 100 retail customers gets you a $500 bonus.

MWR pays out about a 25% commission, and for every retail customer you bring in, you get $25. This is paid out over a two-month period.

Recruitment Bonus

MWR Financial’s new employee bonus is known as the Momentum Bonus, while MWR Life’s is known as the Rising Star Bonus.

They are the same thing, despite their different names.

If you bring three people into the system within the first 30 days, you will receive a $300 Life bonus and a $150 Financial bonus.

If you refer three people who refer three more people, you will receive $600 for Life and $450 for Financial in the first 60 days.

If you refer three people who refer three people who refer three people, you will receive $900 from both companies.

Daily Guarantee Commissions

You will also receive bonuses based on the number of Customer Points earned by you and the affiliates you recruited.

Here’s what you can get based on the bonuses:

  • 9 Group Customer Points (GCP) gets you $5 a day
  • 36 GCP gets you $20 a day
  • 150 GCP gets you $30 a day
  • 300 GCP gets you $50 a day
  • 550 GCP gets you $100 a day
  • 1100 GCP gets you $150 a day
  • 1750 GCP gets you $200 a day
  • 2750 GCP gets you $300 a day
  • 4250 GCP gets you $500 a day
  • 9250 GCP gets you $1000 a day

Check Match Bonus

You receive a check equal to 25% of all residual commissions earned by people you recruited.

Bonus for the President

The Presidential Bonus is similar to the Daily Guaranteed Bonus in that it is paid out once a month rather than daily. Here’s how much you can earn based on GCP:

  • 225 GCP gets you $500 a month bonus
  • 750 GCP gets you $1000 a month bonus
  • 1750 GCP gets you $2500 a month bonus
  • 3750 GCP gets you $5000 a month bonus
  • 7500 GCP gets you $10,000 a month bonus
  • 11,250 GCP gets you $15,000 a month bonus
  • 18,750 GCP gets you $25,000 a month bonus
  • 37,500 GCP gets you $50,000 a month bonus
  • 75,000 GCP gets you $100,000 a month bonus

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10 Reasons Why I Don’t Recommend MWR Life Program

1. The Good Reviews are Written by MWR Life’s Affiliates

You probably have found some other reviews of MWR Life and all of them are saying good words.

But all of them are actually paid to write, meaning they will receive a commission if you join MWR Life via their links. Therefore, their words are often biased and not trustworthy.

Those reviews are simply sales pages and do not tell you the hidden costs and the difficulties of really making money.

By common sense, should you trust someone who has a conflict of interest that receives huge compensation by “reviewing” the program? Probably not. They are not reviewing, but selling!

Therefore, I recommend reading the reviews of those written by the non-affiliates of MWR Life.

2. Very Few People Can Make Money With MWR Life

Success is difficult to achieve with an MLM company like MWR Life.

You can look at the statistic that says 72.5 percent to 99.9 percent of MLM members lose money.

The reason for this is that MLMs have sales quotas that require members to continue selling products in order to remain active and eligible for commissions.

They will not be paid if they do not meet the quota.

As a result, many MLM members lose a significant amount of money before even recruiting one person into the company.

3. Losses From MWR Life Are Reframed As Investments

MWR Life uplines often reframe their financial losses as ‘investments’ in their business so as to keep their reps in an MLM scheme, dangling the carrot of future financial freedom. 

But the reality is that these are not investments. You are unlikely to get the money back. And the return on “investment” is negative in most cases. So saying that it’s an investment is cheating.

4. MWR Life is a Cult

Why do people continue to work for MWR Life if it appears to be so bad? Our investigation of MLMs revealed that they all have cult-like company cultures.

Critical thinking is actively discouraged among MLM representatives. They are chastised and even isolated when they ask questions that deviate from the ‘this company is a-mazing’ mindset.

MLMs, like abusive partners, encourage you to isolate yourself from anyone who questions your involvement.

Those who leave an MLM are labeled as failures or bad people/influences, and reps are not allowed to contact them.

Rejection from people they once considered practically family is one of the most devastating losses experienced by former MLM representatives.

MLMs frequently expect their representatives to prioritize their events and business over their personal lives in order to further embed them in the business while separating them from their family and friends.

5. You May Need to Purchase MWR Life Products Yourself

If you don’t have a large network of friends, family, neighbors, and so on, you may have to buy products yourself each month. It’s a losing proposition all around.

I think it’s quite ridiculous when you have to buy the products you are trying to sell. But this is very common for people who join MLMs like MWR Life. That’s why in the long term, you are going to lose a lot of money, not to mention making money.

6. MWR Life Products are Overpriced

As with other MLMs, MWR Life offers overpriced products. There are many other brands that offer similar products but at lower prices.

Therefore, you may find it difficult to sell MWR Life products because your prospects can buy the same product elsewhere at a much cheaper price. This explains why most people who join MLMs only focus on recruitment instead of selling actual products.

7. MWR Life’s MLM Business Model Has a Bad Reputation

Some people have benefited financially by joining a network marketing/MLM company. Unfortunately, most people who join MLMs are left with nothing but regret and a lot of useless products that they were unable to sell.

MLM like MWR Life is fundamentally flawed. The distribution of commissions is skewed toward the top.

The majority of those in the top tier and pioneers make the most money, while those at the bottom will not even break even after a few months.

As a result, many people do not consider MWR Life to be a legitimate business opportunity.

8. Exaggerated Claims Of Income

MWR Life, like any other MLM company, makes exaggerated income claims, but in reality, very few people make a good living by promoting MWR Life.

MWR Life’s low retention rate can also be discouraging, as less than 41% of its distributors are active.

According to MWR Life’s payouts to distributors, over 99 percent of MWR Life distributors never make a profit.

9. MWR Life Is Like A Pyramid Scheme In Disguise

If you want to avoid losing money every month, the MLM will actually encourage you to recruit people.

Every system that requires you to recruit people in order to make money eventually looks like this.

MWR Life is not a pyramid scheme in the traditional sense because you can earn money by selling their products.

However, in order to make a living, you will need to hire others in reality.

10. Recruiting is Required to Succeed

I don’t recommend MLMs to people for this reason. MLMs like MWR Life put a lot of effort into recruiting. Eight out of ten ways to earn money with MWR Life require recruiting. If you don’t recruit, you are destined to lose money at the end of the day.

My #1 recommended platform is different. You can make a 4-figure, 5-figure or even 6-figure passive income by promoting and selling products you truly like. You don’t have to recruit people but recommend useful and great products. I will tell you more at the end of this MWR Life review.

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How Much Does It Cost To Join MWR Life MLM?

The cost of joining each company is nearly identical.

MWR Life costs $99 up front and $30 per month thereafter. MWR Financial costs $99 up front and $40 per month after that.

You are not required to pay the monthly fee, but if you do, you will not be able to use the entire compensation plan.

You won’t usually get paid for recruiting or anything your downline does, which is probably the best way to make money here.

So, in essence, you must pay the fee every month.

That monthly fee quickly adds up, and by the end of the year, you’ll have spent around $500.

MWR Life Feedbacks By Real Users

Positive Feedbacks

  • None

Negative Feedbacks

  • Monthly fees: You should never join an MLM that charges monthly fees. If you join an MLM, you will almost certainly lose money, and the monthly fees can quickly add up.
  • Low success rate: the majority of people who join an MLM lose money. In fact, nearly every person who joins an MLM loses money. Even those who do make a living make only a few hundred dollars per month.

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Is MWR Life a Scam or Legit?

MWR Life is not a scam. It is a legit MLM company. A scam is defined as “a dishonest scheme; a fraud” by the Oxford Living Dictionary. 

Can you make money selling MWR Life products? We already know that a majority of MWR Life reps did not earn any money. A few people do make money but only if you put in a lot of effort. And usually, the way they make a lot of money from MWR Life is by recruiting aggressively.

Also, MWR Life blatantly makes disingenuous and irresponsible marketing claims to recruit members. Therefore, some people do consider MWR Life a scam.

My #1 recommended platform, however, has seen a lot of beginners earn four figures a month after joining it for a year.

I will tell more about my #1 recommended platform at the end of this review.

Final Verdict: MWR Life Review

Here comes the conclusion of my MWR Life review. Overall, I don’t recommend joining MWR Life to make money.

You will have a tough time at the beginning when you are prospecting and trying to find recruiters to add to your MWR Life commission.

The worst part is that you practically have to ask your family and friends to join your MWR Life business opportunity. It’s not fun.

Your upline is constantly following up with you to encourage you to buy more Business Support Material even as you struggle to get people to join your downline.

The reality is that you’re likely to lose more money. Statistics confirm this as well. 99% of people who join an MLM break even or lose money, according to a case study on the FTC’s website.

People who join these MLM-type businesses often feel under pressure to succeed, and that is one of the main reasons they leave. 

Why not consider starting your own online business if you want to earn money and have a flexible schedule? 

Thus, you can choose what you want to promote rather than having someone tell you what you must promote.

Let me tell you how to build an online business in a legit way to make passive income online in the next section. This has allowed me to make a full-time income in a year. Most importantly, unlike MLM models, It’s 100% legit and sustainable.

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Best Alternative To MWR Life MLM Program

If you’re beginning your online business journey, you deserve a program much better than the MWR Life MLM program.

My #1 recommended platform is called Wealthy Affiliate.

Wealthy Affiliate is an all-in-one platform for building your affiliate marketing business from scratch.

When you join Wealthy Affiliate, you can get access to the first-class web hosting service, keyword research tools, community support, comprehensive training, writing tools, and other software to help you build an online business step-by-step.

You can register a free account with Wealthy Affiliate, which enables you to get started with affiliate marketing right away without paying a penny.

If you like the platform, you can then upgrade to the premium membership to get access to everything on the platform. There are no upsells afterwards.

But How Much Can You Earn with Wealthy Affiliate?

A 21-year old student from Wealthy Affiliate was able to earn $7,395 in just 1 week, which means he made more than $1k a day…all while applying what is taught inside Wealthy Affiliate.

Wealthy Affiliate Testimonial

Compared with Authority Hacker, Wealthy Affiliate has a much longer history, which has been established for 15 years and there are many success stories in the past decade. Actually, Wealthy Affiliate has more than a million members so far, so you can see how popular this platform is.

To give you more examples, here are some of the other inspiring success stories of Wealthy Affiliate members.

Where to Join Wealthy Affiliate?

Wealthy Affiliate has a very simple pricing scheme. It has a free and premium membership. The premium membership only costs $49/month or $395/year.

If you want to feel about Wealthy Affiliate, you can sign up for the free starter membership here (no credit card required). You can select to be a free member with no time limit.

And as a starter member, you can get instant access to the community, live chat, over 500 training modules, 2 classrooms, networking, commenting, 1 free website, access to the keyword tool.

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