Thank you for taking the time to read our Affinity Business Network Review. Be sure to know every bit about this type of program on our review page. It's very important to be sure on what business you get into.
We both know that money is not something you play with, so take this reading seriously, we want you to do well and make sure a lousy choice doesn't lead to a worse experience.
So, sit back and enjoy the review we've made especially for you and your well being when we learn, every bit of time is well invested. Let's get on with it!
Affinity Business Network Review
No information has been provided by Affinity Business Network on their website about who owns or runs the business.
The website domain of Affinity Business Network, affinitybn.co.za was registered by affinitybn on 6th June, 2016.
Presumably, Affinity Business Network operates from Gauteng, South Africa as their address shows.
Fred Andalaft credits himself as the founder of Affinity Business Network on his LinkedIn profile.
It remains unclear why this information isn’t provided on the Affinity Business Network website.
There are no information publicly available on Andalaft’s history prior to founding Affinity Business Network other than a marketing interview on LinkedIn,.
Seemingly, Affinity Business Network is Andalaft’s first MLM venture as an executive.
Read further for a detailed review of the Affinity Business Network MLM opportunity.
Products of Affinity Business Network
Affinity Business Network functions in the insurance MLM niche. The company claims it provides the quickest growing medical health insurance products in South Africa.
As mentioned on the Affinity Business Network website,
The company is a distributor for Affinity Enterprise and its affiliated partners.
Affinity Health provides affordable medical and health insurance products to the market in South Africa.
No precise plan information or prices are displayed on the Affinity Health website.
Compensation Plan of Affinity Business Network
The affiliates of Affinity Business Network are paid on sales of health insurance premiums.
Direct commissions are given out based on the cost of the premium. Residual commissions are paid through a unilevel compensation structure.
MLM Commission Qualification
An Affinity Business Network affiliate must sell 3 new insurance policies every month to qualify and continue to qualify for MLM commissions.
Retail and Recruitment Commissions
The affiliates of Affinity Business Network are paid a percentage commission on insurance premiums paid by employed affiliates and retail customers.
- 1% is compensated on premium costing up to R10,000 ZAR ($731 USD)
- 2% is compensated on premium costing between R10,001 and R20,000 ZAR ($1462 USD)
- 3% is compensated on premium costing between R20,001 and R30,000 ZAR ($2193 USD)
- 4% is compensated on premium costing between R30,001 and R40,000 ZAR ($2924 USD)
- 5% is compensated on premiums costing in excess of R40,000 ZAR
Residual Commissions
Residual commissions are given out on premiums sold by downline members by Affinity Business Network.
The residual commissions are paid down 3 levels of recruitment through a unilevel compensation structure.
An affiliate is put at the top of a unilevel team by a unilevel compensation structure places. Every personally employed affiliate is put directly under them (level 1):
(unilevel)
When any level 1 affiliate employs fresh affiliates, they are put on level 2 of the original affiliate’s unilevel team.
When any level 2 affiliate employs fresh affiliates, they are put on level 3 and so on down a theoretical infinite number of levels.
Base residual commissions are capped at 3 unilevel team levels by Affinity Business Network as follows:
- Level 1 (premiums sold by personally recruited affiliates): 50% of the first premium payment and 2.5% thereafter
- Level 2: 1.5% of premiums sold
- Level 3: 1% of premiums sold
Team Bonuses
Team Bonuses permit an affiliate of Affinity Business Network to earn beyond their first 3 unilevel team levels.
An affiliate of Affinity Business Network must qualify at the 1 Star to 5 Star ranks to qualify for Team Bonuses:
- 1 Star: produce 2,000 team points monthly for 3 consecutive months
- 2 Star: produce 4000 team points monthly for 3 consecutive months
- 3 Star: produce 6000 team points monthly for 3 consecutive months
- 4 Star: produce 8000 team points monthly for 3 consecutive months
- 5 Star: produce 10,000 team points monthly for 3 consecutive months
Affiliate rank qualification becomes a yearly requirement once initially obtained,.
Team points are defined as an affiliate’s personal referrals multiplied by premiums paid by downline referrals by the Affinity Business Network compensation plan.
Point values for Affinity Business Network premiums along with Premium prices are not disclosed.
Affinity Business Network Membership
To join Affinity Business Network affiliate, it costs R295 ZAR ($21.50 USD).
Summing Up
There is no specific information provided by Affinity Business Network on their website concerning the policies their affiliates market.
It is the key in determining whether or not retail is a focus in the company.
The way in which the compensation plan is presented, particularly, the grouping of retail and personally employed affiliate premium commissions points out that most of the premium holders through Affinity Business Network are affiliates.
Affinity Business Network, in that case would be operating as a pyramid scheme.
Determining whether this is the case is simple. You can simply ask your prospective upline how many retail premiums they’ve sold. Compare that to the number of personally employed affiliates they have with premiums.
Regarding Affinity Business Network’s premiums themselves, the absence of information provided makes it hard to evaluate them.
Health insurance is a very personal field and customization is a big part of that based on need.
To some extent, that might clarify WHY Affinity Business Network does not provide information.
Affinity Health offer full plan information with pricing.
It is not clear whether or not Affinity Business Network simply mirrors these plans or offer variations.
Still, if their provider can offer full details about premiums, there is no excuse for Affinity Business Network.
Approach cautiously.
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