Trust mills typically use both licensed and unlicensed representatives, and often operate in conjunction with attorneys or attorney reference services in order to give the operation the appearance of legitimacy.
After the living trust and related estate planning documents have been sold, a representative, usually a licensed agent, again misrepresenting his or her identity and purpose, tries selling an annuity as part of their estate planning program. Clients characteristically view the agent as their legal adviser or estate planner, not as an insurance agent.
Ohio National is not affiliated with, nor does it endorse or sponsor, any particular prospecting, marketing or selling system.