Are Insurance Return Checks Real? Legitimate Way To Make Money? The Truth!

Born & raised in England, Dale is the founder of Living More Working Less & he has been making a living from his laptop ever since leaving his job as an electrician back in 2012. Now he shares what he's learned to help others do the same... [read more]

A short while ago I published a review on this blog of some so-called “Guaranteed Oil Pension Checks” – and here we are once again with another hyped-up offering from the same company Lombardi Publishing Corporation, this time though under the name of Insurance Return Checks…

Insurance Return Checks Website ScreenshotYou’re led to believe via the website Lombardi Publishing have put together that these so-called Insurance Return Checks or IRC’s for short can allegedly see you earning a big chunk of the millions of dollars that are allegedly returned from insurance companies each year…

But are Insurance Return Checks real? Are they legitimate? And can you really make money from them as easily as Lombardi Publishing promise you can? Those are exactly the things I’ll be uncovering right here in my detailed review.

What Are Insurance Return Checks?   |   How Do Insurance Return Checks Work?   |   The Real Cost   |   Are Insurance Return Checks Legitimate?   |   A Better Alternative

What Are Insurance Return Checks?

In short, Insurance Return Checks as such don’t really exist – the name “Insurance Return Checks” has merely been made up by Lombardi Publishing as part of their marketing ploy to draw attention to their newsletter…

However the concept behind the Insurance Return Checks that they briefly talk about in their sales presentation video (the video that attempts to sell you into their newsletter) does indeed exist… Though as you’ll soon enough find out in this review it is NOT as good as it initially seems.

In fact whilst you can potentially stand to make money from these so-called Insurance Return Checks, you could also stand to lose money – and a lot of it too. They are certainly not a “sure-fire” way to make profits.

So what exactly are they? Well according to the Lombardi Publishing website the Insurance Return Checks are a “second source of income that has existed for years”… Though they claim it’s a source of income that’s never advertised.

As a result it’s allegedly been “returning millions of dollars to people in secret”, and you’re told that some people like Lisa – a lawyer, have been earning as much as $37,000+ per year from these so-called IRC’s as shown below:

IRC's Insurance Return Checks

I think you’ll agree that that’s a pretty outrageous sum of money, especially since the website almost leads you towards believing that this is merely a second source of income that you can quickly & easily get access to at no cost…

But the disappointing truth is that this is not such an “easy” source of income, and it is certainly not a source of income that is achievable without upfront cost as you’ll soon see in just a moment.

And yes – I do apologize for being the one to burst the bubble on that… But let’s take a closer look at how they work…

How Do Insurance Return Checks Work?

At a glance these Insurance Return Checks certainly seem fantastic, but the reason for that is because the checks are really just all a part of Lombardi Publishing’s marketing ploy – a ploy to encourage you to sign up to their payment-based newsletter.

They essentially give you a hyped-up taster about these said checks & then push you towards subscribing to their newsletter to a fee, where they then leave you to discover that the IRC’s are not quite what they were made out to be.

A financial professional named taxmanrog on JustAnswer agrees with me on that too – as when questioned by somebody about the Insurance Return Checks (and the Oil Pension Checks) he gave this answer:

Comments From a JustAnswer Expert

He states the rate of return on the checks is usually 4% to 5% which means that to profit to anywhere near the level that Lombardi promotes you will you’d need to invest well in excess of $200,000… And remember, your money is at risk with this type of investment too.

So in short whilst you could stand to make “reasonable” money back from your investment, similarly you could stand to lose it too. In my opinion at a rate of 4% to 5% there are MUCH safer alternatives for investing.

Furthermore whilst the checks are promoted as being some sort of mere check that you’ll be paid without doing anything – a check you’re almost entitled to as an American citizen – that’s clearly not the case.

These “checks” are nothing more than mere investments, and like I mentioned the whole “check” concept is just a mere part of the marketing ploy. They want to make it sound easy so that you’ll subscribe to their newsletter, that’s the aim of their game… And that’s what the people behind Insurance Return Checks are very good at it.

Whilst Lombardi Publishing Corporation is the company mentioned on the promo material on the sites promoting these checks, if you dig a little deeper you’ll find out that Lombardi is actually part of Agora Financial

For some, finding out that alone will be “enough said”…

But anyway, back onto the financial professional taxmanrog – he also makes another good point in the answer he posted which is shown below:

Comments From a JustAnswer Expert

He also proceeds to state that “there’s no such thing as a free lunch“, and that couldn’t be more true.

The Real Cost of Insurance Return Checks

After watching the hyped-up video promoting the so-called IRC’s or Insurance Return Checks I decided to proceed to the purchase page to see just exactly how much Lombardi Publishing were actually charging for access to this (relatively easily obtainable) material…

The next page I was taken to contained even more hype, this time in written form with bold income claims like that shown below:

Insurance Return Checks Income Claims

But anyway getting past that came the cost – which was apparently “just $7“… But as you can likely guess, the REAL cost was not “just $7″…

  • The initial fee is $7
  • $90 will automatically be charged after 30 days
  • $295 will be automatically billed at some point shortly before the 6 month mark
  • $295 will be automatically billed every year after that

Also it seems that the offer has potentially been banned in California or Vermont… Not sure why, but it appears Lombardi Publishing are disallowing subscribers from those states & a “ban” is the only reason I can think for them to do so.

Either way, all that brings me onto…

Are Insurance Return Checks Legitimate?

Well this is where it becomes a bit of a case of both yes & no – because whilst what is being offered by Lombardi Publishing is technically legitimate, in my opinion there is quite a bit of “trickery” going on to get you to sign up to their newsletter.

The simple truth is that you are going to be unlikely to make as much money through the Insurance Return Checks newsletter as promised – or as quickly/easily as promised, at least not without investing an outrageously substantial amount of money (which is put at risk).

So with all that in mind there is simply no way that I will be personally recommending the Insurance Return Checks newsletter as a good way of making money & instead I will actually be advising that you steer clear of it, because in my opinion there are much better ways to make money online.

And the way that I personally use to make my own money online (which you can get started with for free at Wealthy Affiliate) doesn’t involve any risk at all – so if you’re still looking for a good way to make money then I definitely recommend you check out my guide for getting started here.

But whatever you decide to do I just hope that the review I’ve published here has helped you gain a better insight into the whole IRC Insurance Return Checks thing & if you do happen to have any further questions or comments then don’t hesitate to leave them below.

A Better Alternative

The sad truth is that unfortunately most of the programs promising to help you make money online are scams. I can say that confidently after exposing over 500+ of them here on this blog.

But the good news is that even though most of them are indeed scams, there are actually some very good programs in amongst them - some programs that can truly help you to earn money.

And out of all of the legit programs I've seen, the one I would recommend the most to anybody looking to get started online is Commission Academy. In my own opinion, that's the best place to start.

At Commission Academy, you'll be provided with everything you need (including the training & tools) to begin earning real money by promoting products or services for companies like Amazon online.

The best part is that there's literally no limit on the amount you can earn with it & the process is pretty simple which means that it's absolutely perfect for people that don't have much experience.

Some wealthy affiliates even earn as much as 5-figures per month... Or more!

Amazon Earnings Example

I mean don't get me wrong, that kind of money won't just fall into your lap without doing any work... But the harder you're willing to work at it, the more you stand to earn with it.

So if you're looking to get started but don't know which route you should go down or which program you should join (and don't want to waste money on bogus things that don't actually work), then I'd highly recommend checking out Commission Academy first. You can learn more about it here.

About the Author:
Born & raised in England, Dale is the founder of Living More Working Less & he has been making a living from his laptop ever since leaving his job as an electrician back in 2012. Now he shares what he's learned to help others do the same... [read more]
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2 thoughts on “Are Insurance Return Checks Real? Legitimate Way To Make Money? The Truth!”

  1. Thank you for your input when it sounds to good to be true it usually is 99% of the time. I’m an old school old man in my seventies worked hard all my life that’s how I made money !!!!!

    • Yep that’s exactly right. Don’t get me wrong there are indeed some legitimate & great opportunities available online – but as for the “too good to be true” ones, as you say they all generally are exactly that. If you’re still looking for something legit be sure to check out my top picks page – you’ll see my suggestions there 🙂


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