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Reverse Pension Plans

These are programs that claim to offer a lump sum payment by allowing you to effectively mortgage a pension insurance contract.

This is very loosely based apparently on an established technique used by the rich to become even more rich.

The great things about these plans is the initial cost - typically a once off $50 admin cost.

The lump sum payment is usually around $50K! 

There are a number of these plans around, but they don't payout until they reach their target number of contracts - this varies between 5,000 and 150,000. See note below.

So far, two or three of these plans have reached their target, and they are now completing the administration of the plans before payout.

NOTE: once the target is reached, sorting out the documentation for thousands of members can take many months to complete.

Some regard these plans as 'too good to be true', others reckon they are perfectly legal and legitimate.

Here is an explanation of how they work.

I really don't know if any will payout, but for the small outlay, it is possibly worth risking, in case one or two do actually work.  But don't bank on it, none have paid out so far, and in the present financial climate, where the movement of large amounts of funds is highly restrictive, the chances look even slimmer!!

I can vouch for the fact that those that pay immediate referral bonuses are actually paying these, but these are only a few dollars each.

Below is the current selection of available Plans.



World Pension Plus                                   Updated 05/23/10                 Category 3

This is a Reverse Pension Plan I joined September 2007, Stage 1 met it's target and now Stage 2 has met it's target.  WPP is an attractive proposition, and they just re-opened to new members to top the number of policies up :

*Purchase Multiple Policies (Currently if you purchase 5 policies or more you get 2 for the price of 1)
*One time application fee of just $55 per policy Liberty Reserve or V-Money.
*Payout of $80,000 to all applicants that meet simple ID criteria
*Payout made to the bank account of your choice
*Commission payment of $4000 per referral on completion.
*Instant Commission of $130 for 10 1st level referrals paid direct to e-currency account.
*Instant extra $1000 Cash Bonus for each 1000 referrals.
*Full members Control Panel with all marketing and referral tracking built in including Banner System.
*Includes Bonus of $1000 worth of Business and Internet Development Software and Templates, Free!!
*Current target 64,000 policies with less than 1,200 policies left!.

http://www.worldpensionplus.com/affiliates/jrox.php?id=1557_4


My Stats: Joined: 09/04/07; Funded: $55; Account now: $0; Downline (4165): $1046; Withdrawn: $1046; Profit: $991 plus much more potential!



Excel Prestige International                         Updated 05/23/10               Category 3

A Reverse Pension Plan that that has been going for well over a year now and is steadily progressing towards it target.

Here are the details:


One-time membership fee of $40. USD Alert Pay or Alive Pay

$70,000 pay out at program completion

Offshore bank accounts and ATM cards

Instant referral bonuses of $2 or $3 paid down 5 levels

$2,000. bonus per referral at pay out

Batch pay out every 25,000 policies.  Currently 11,551 policies.  During November, buy 2 get 2 free. Alive pay only.

You qualify if you're between 18 and 75 years

Maximum number of participants: 100,000

http://excelprestige.net/?ref=3884

My Stats: Joined: 04/06/08; Funded: $40; Account now: $0; Downline (75): $98; Withdrawn: $98; Profit: $58 plus $69,960 potential



Global Pension Plan                           Updated 07/31/10                       Category 3

The Global Pension Plan is based on m
ortgaging a pension insurance contract and is similar to property mortgaging when using the property itself as a collateral. The policy is a legally binding agreement given by a reputable insurance company.  This is an established technique used by the rich to become even more rich!
 
Amazingly you stand to receive 55,000 Euro with no extra costs involved (if you are under 27 when the papers get signed, you now get 110,000 Euro!) .  You receive 2000 Euro for each person that you introduce!  But only after the 100,000 target is reached.  There's also a message board

They have now reached their 100,000 target for members.
 
A limited number of additional policies can be purchased by existing members.  It is hoped that this will be complete in a month or so.  It will then take some time to arrange the payout.

The latest GPP forum update is 2nd July 2010, but also see GPP Update.   GPP login is at:  http://www.global-final-step.net


My Stats: Joined: 02/10/06; Funded: $35; Account now: $0; Referrals (494): Eu:5,502,000 (potential); Withdrawn: $0; Profit: Eu5,622,000 (potential)



Imperia Invest                                     Updated 07/31/10                       Category 3

Imperia Invest is not strictly a Reverse Pension Plan, but a traded endowment policy (TEP) program. 

The web site is at:

https://www.imperiainvest.net/memberarea/?ref=orchard


The cost was $50 but it is now closed to new members.

$50 becomes $134K after 6 months.

New sign-ups ended 22nd Feb, so the program is closed to new members.

The next stage is that members need to purchase a silver, gold or platinum credit card within the next two weeks.


Currently Procurrex is the only e-currecy they accept.



UAE Pension Fund
                         Updated 05/23/10                 Category 3

Another Reverse Pension Plan I joined 2 years ago.  So far around 25,000 contacts have been purchased.

They are still short of a three thousand contracts and are offering two contracts for the price of one!

- one time fee of 51 Euro Liberty Reserve

- one time pay out of 80,000 Euro for persons below 67 years  

- commission program for 6 levels, per person 3000 Euro  

 - program is limited to 27,000 contracts,  Another 2000 needed.

Go to: click here

Latest update:

Note that there is a temporary site only available.  UAE's Liberty Reserve account is U7310324 .  make sure that UAE Ltd comes up when you preview your spend.  My user-name is 'orchard'.

My Stats: Joined: 09/18/07; Funded: $80; Account now: $198,000; Referrals (176): $198,000 (potential); Withdrawn: $0; Profit: $318,000(potential)



Pension World Wide                                 Updated 05/23/10             Category 3

PWW is also based on m
ortgaging a pension insurance contract .


Full Details can be found here:  Pension World Wide

It's a German company offering $75,000 pension insurance contracts and $3000 for anyone you bring in down 7 levels!

Total cost $50.  There's also immediate referral bonuses down 2 levels.

There's also the latest information in the members back office under 'system news'. 

They have overcome major problems with their insurance people and have had to change their insurance partners due to highly restrictive rules that the original partners insisted on.

Individuals are still
limited to 10 contracts, but PWW can now take on up to 5000 contracts a month.  The target has been reduced from 150,000 contracts total to 85,000.  As they have nearly 65,000 contracts already, it should take them only about 6 months or so to reach their new target. 

Contract cost is $50  Liberty Reserve and Perfect Money.  Pension World Wide

My Stats: Joined: 20/12/06; Funded: $50; Account now: $3; Downline referrals (1493): $4,479,000 (potential); Withdrawn: $677; Profit: $4,479,630 (potential)



Human Capital Insurance                             Updated 06/11/10               Category 3

This is another combined pension/life insurance plan similar to those above.


Full Details can be found here: http://www.hci25.com/

On the sign up form, please put orchard as your 'reference'

It's a US based company offerring £42,500 (about $78,000) pension insurance contracts and £1900 (about $3500) for anyone you bring in!

Total cost $45! 

The target in this plan is just 27,000 beneficiaries and they hope to reach this figure quite quickly and they have only 200 positions left!

You need to be under the age of 69 to take part.

There is a very basic back-office on the site, and contact information is limited. The Newsletter on the the home page is the best source of latest information.

Contract cost is $45 C-Gold or Liberty Reserve   http://www.hci25.com/  

On the sign up form please put orchard as your 'reference'.

My Stats: Joined: 01/06/07; Funded: $45; Account now: $45; Downline referrals (122): $600 plus $196,000 potential; Withdrawn: $560; Profit: $515, plus $274,000 potential