AP Financial is a scam company. They make false promises upon being hired, from levels of advancement to pay. They want you to "bring in" new clients for your mentor before you can get on the payroll for yourself. They also would put you into investments which wouldn't be beneficial to the client. Contract locking Variable Universal Life Insurance policies are the specialty. You can either put into them monthly or you lose it all to with no surrender value, before the 8 year mark. I played the game and if anybody else out there... read full review »