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What Are “Insurance Return Checks”? – Legit or Some Sort of Scam?



What the heck are "Insurance Return Checks"? Are these really a way to easily earn a second income? Or is this all one big scam?

Unfortunately the information that is out there about these "Insurance Return Checks", or IRCs as I will be referring to them, is incredibly misleading. You are led to believe that this is some incredible opportunity to make tons of easy money, when the reality is much different.

Fortunately for you, you fell upon my review here and I will be going over what this opportunity really is, which is a bit different than what you have been told.

The Salespitch... Give Me a Break..

So you probably landed on the video presentation, or maybe the written sales pitch, that starts off asking the question... "Haven't heard of Insurance Return Checks before?"

The answer to this is OF COURSE NOT!

The reason I know this is because "insurance return checks" is a made up name. It is all a little marketing trick and you will see what I mean in a second.

The video presentation goes on to say that these checks could help turn around America's retirement crisis, yet they are never advertised…

Insurance Return Checks video

But again… Of course they aren't advertised because the entire name is completely made up.

The opportunity has existed for years. They tell you this and it actually is true. It is just that this opportunity is now being promoted as IRCs and again, you will see why shortly.

The opportunity is obviously about insurance. This is a clue you get right off the bat. The spokesman says that insurance premiums are expected to go up 8 to 65% depending on what state you live in and that these IRC's can help you beat the big insurance companies.

Then you are presented with a bunch of claims of people who are supposedly making tons of money with these IRC is… Such as "Lisa" who is said to be making over $37,000 a year…

video screenshot

And then there is Martin who is supposedly making $6,177.60 a month from his IRCs...

video screenshot

The spokesperson goes on and on about all these people that are making all of this money with this opportunity, yet he offers no proof of any of these claims actually being true. Half the darn presentation is about people making money but there is just no proof to back it up.

For all I know, he made up these numbers and the names of the people that he claims to be making money.

He Says It's Urgent!...

And of course you are told that you need to get on this right now because of the rising insurance costs… Which will force the insurance rates up in the coming year.

What Are "Insurance Return Checks" Really?

But what the heck are these IRCs really? You can listen to the entire video presentation and still not really have a very good idea of what the heck is going on here. And isn't your fault… It is because the spokesman never really tells you.

He mentions that these IRC's are regulated by the government and that big name insurance companies are part of this plan. He also goes on to say that it only takes as little as $50 to enroll in one of these plans.

What the heck is he talking about?

Well... I have reason to believe that what he is really talking about here are MLP's, or master limited partnerships. These are treated just like stocks and some make quarterly payments that are like dividends you can get if you are a shareholder in certain stocks.

So these checks that he is talking about people collecting are really just quarterly payments being made from people's investments in MLP's.

The reason I strongly believe this is what is going on here is because I have seen other teasers in the past that this company has promoted, such as "tobacco checks" and "gas pension checks", which have been the same sort of deal. They also remind me of other teasers I've exposed in the past like MAGA Checks and Federal Rent Checks.

The Point of All This

So you may be wondering what the point of all of this is?

Why does this guy beat around the bush so much and never give you a good answer to what you are getting involved in here?

Well… The reason is because it is a teaser to lure people to subscribing to his newsletter subscription service.

You see, you can only get the free report of Insurance Return Checks: Your Second Source of Income, which includes information like...

  • How to collect IRCs
  • Most lucrative IRCs
  • How to get started with only $50
  • Tax benefits of IRCs and more

... if you subscribe to his newsletter subscription service. You can see below that you have to subscribe to what he calls his "financial advisory" that goes by the name of Passive Monthly Income…


The guy behind this all is named Robert Baillieul, B.Comm and he is a senior income analyst at Lombardi Publishing Corporation, which is a financial newsletter publisher similar to Agora Financial.

Passive Monthly Income - His Newsletter Service

When you subscribe to the Passive Monthly Income newsletter service you will get…

  • Monthly issues of the report filled with new investment opportunities and other income-making ideas.
  • Access to the income portfolio where you can see his recommended investments and how they are performing.
  • Email alerts so that you know when to buy/sell.

The Cost

All you have to do to get the special report for collecting these IRC's is pay a seven dollar fee. This is a trial payment that gives you access to the subscription service for 30 days. 

But guess what?

If you don't cancel within 30 days you will automatically be charged the discounted rate of $90. Supposedly the newsletter is normally priced at $295, but I have no idea how true this is.

Incredibly Misleading INformation

In my opinion this is just all one big marketing stunt to get people to buy into the newsletter service. A lot of the information given is very misleading and is intended to lure people when with the hopes and dreams of making super easy money.

However, as stated, a lot of it is incredibly misleading.

#1 - Like I mentioned, the name "Insurance Return Checks" is made up

The guy acts like this is some incredible opportunity that everyone is trying to hide from you in the rest of the general public, when in reality it isn't. The name is just completely made up and that is why no one has ever heard of these "IRCs" before.

He says that if you mention IRCs to your stockbroker or insurance agent they won't know what you are talking about in this means that they can't help you. But in reality, they won't know what you are talking about because the name is made up.

misleading statement

#2 - You would have to invest a fortune to get the returns this guy is showing you

You should also be aware that in order to make large amounts of money like the people talked about in the video presentation, you will have to invest a fortune… A fortune that most people do not have just laying around ready to be invested wherever they wish.

These aren't some incredible opportunity that are going to be sending you 50% returns on a yearly basis… Not even close.

Of course the amount of returns you get is completely dependent on the amount you initially invest. And since we have no idea how much money these people invested that were supposedly making tons of money off of these IRCs, the numbers given mean absolutely nothing.

Conclusion - Worth The Money?

I don't know about you, but this is not the type of place I would want to get financial advice from.

Do you think it is a good idea to get investment advice from someone who just lure you into buying their newsletter based on misleading information and trickery? I don't.

While there may be some great opportunities out there to invest in "IRCs", as they call them, I think there are a lot better and more trustworthy investment advisory services that would be much more worth the money.

But anyways… I hope you enjoyed this honest review and found it helpful. I hope I gave you some clarity on this opportunity, which is obviously nothing like you are led to believe. Please give this post a share to help spread the word.

Any comments or questions can be left below and I'll get back to you as soon as I can 🙂

About the Author

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I hope you found this article helpful! I'm Kyle, the creator of this site, which is probably pretty obvious after seeing the name. Like most, I've had my fair share of difficulties and a pretty bumpy road while trying to find success online, which is why I put togetherthis guide so that others can get started right the first time around.

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  1. The business you are referring to is owned by Canadian billionaire Michael Lombardi, who operates out of Toronto. He is a powerful Illuminati leader who writes investment newsletters. Lombardi Publishing Corporation is a wholly owned subsidiary of Lombardi Media Corporation.
    To be fair to Lombardi, many of his economic and investment predictions are accurate. Unfortunately, he and fellow Canadian billionaires G. Michael Newman and his son Adrian P. Newman, have been involved in such shady investment deals as stock fraud. While some of their deals are legitimate, many are not. My advice is to thoroughly investigate any “business opportunity” offered by Lombardi and/or the two Newmans .
    I would have to say that everything that Kyle said about Michael Lombardi and his business is probably accurate. Many investors have made a profit by investing in Lombardi and or Newman controlled businesses, only to be hurt when the business proved to be fraud. G. Michael Newman was found guilty several years ago of fraud involving stock in Chinese corporations.

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