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The truth about MCA Motorclub (legit or scam?)

MCA Motorclub of America is a company that primarily offers member discounts for various roadside services, bail bonds benefits, vision discounts, and $150 per night hospital stays.

They go above and beyond AAA and they also pay out referral fees when you recruit new members to the club.

So have I been involved?

This video explains:


All good? Let’s continue…


These guys are straight throwback.

Not quite as old as Avon, but the Motor Club of America has been around since 1926. What started out as a family business became, many incarnations later, a nationwide venture that owns several interests.

These include travel and marketing powerhouses JVL Holding and TVC Marketing.

The travel discount portion of the MCA Motorclub membership no doubt comes from the CEO of JVL & TVC, Virgil W. Coffee, who was co-founder of the National Association of Travel Organizations.

Mr. Coffee is the CEO of TVC Marketing Inc, the umbrella corporation that owns MCA Motorclub. He had humble beginnings as the son of a minister in Texas.

As a young man living on a teacher’s salary, he sold motor car club memberships on the side to support his family.

He stayed with that business for 17 years and took it from operating in just 3 states to 38 states and became its president. During that time he founded the National Association of Travel Organizations. NATO was responsible for establishing regulations in several states for the overseeing of the motor club industry.

In other words, Virgil Coffee is a pillar in the motor car club industry. He then took his network marketing skills to the legal world and that’s where he came to work for TVC Marketing. After he built up that company, he purchased the original 1926-era Motor Club of America Enterprises, Inc.

Virgil Coffee was also involved with Pre-Paid Legal Services (Legal Shield) through TVC. He created their marketing plan, which was of course very successful too. He was there 7 years and in that time oversaw huge gains in earnings. MCA is not a reincarnation, but a separate business venture under the TVC umbrella corp.

This man is so successful it even rubbed off on his son, Oklahoma Senator Glenn Coffee.

The CEO, David Kircher, has been President since the 1970s and continues today.

That’s longevity and that means success. This company grew out of the desire to offer a service, not to create a networking marketing empire. The network marketing is how it works, not why it works.

As you can see, MCA Motorclub is part of a vast empire, which explains how it can give such a wide variety of benefits.


This is a club membership and it costs $19.95 per month. Members get over $150,000 worth of benefits and there are over 7 million members. Benefits cover almost every aspect of life that can go terribly wrong…

  • 100 miles of free towing
  • Gas, Flats covered
  • Save 10% at major service centers nationwide
  • $5,000 stolen vehicle reward
  • $500 cash back reimbursement for medical accidents
  • $150 per day hospital benefit
  • Emergency Medical Transportation
  • 114,000 specialists via telephone
  • up to 65% savings on dental, pharmacy, vision
  • up to $60,000 accidental death benefits
  • up to $25,000 in credit card protection
  • $75 per hour attorneys
  • Auto-related discounts (with the Security Premium package)
  • Deep Legal Discounts (with some packages)
  • Travel Discounts
  • Bail Bonds

There are 3 levels of club membership, with the difference only numbers 13 and 14 on the list above.

  1. Total Security. This is $19.99 per month, 1st and last months at $39.90
  2. Security Gold. This is $29.99 per month, 1st and last months at $59.98
  3. Total Security Platinum. This is $39.99 per month, with 1st and last months at $79.98.

Compensation Plan

This is really an affiliate referral program, and it’s very simple.

It’s refreshingly free from fast start bonuses, ranks, bonus pools, and all the other crazy gimmicky but hard to achieve incentives you see on lots of network marketing programs.

Remember, Virgil is a pillar of network marketing, one of the originals and he’s very good at developing these programs. Here it goes…

Step One: Sign Up

Purchase a security plan from one of the 3 options, and you are then ready to get the MCA Business Starter Kit for $19.99 annually.

Basically, the starter kit gives you access to your own page on their website: This includes:

  • high converting lead pages on a 2.0 website + mobile website
  • email autoresponder
  • sales reps close your leads for you (costs extra)
  • advertising co-op: split ad expenses with other small business owners
  • you can cancel any time through PayPal

Step Two: Make Money

For each signup you procure, you get $80. Now consider your initial buy-in is $40 (first and last month motor car club dues) and that’s pretty darn enticing.

You get $6 for every membership your referrals sell.

That’s it…the world’s simplest compensation plan.


  • really old, respected company behind you- two of them, in fact
  • very wide range of benefits
  • easy web page integration- no need to buy hosting


  • you get chargebacks if people cancel


The buzz is mainly positive. The detractors seem to be working from outdated information, since their complaints simply aren’t true:

  • no official MCA website = WRONG
  • not listed on BBB = WRONG (they’re listed under TVC, their parent company)
  • AAA is cheaper & offers more = WRONG: (it’s cheaper, but it also doesn’t offer the same benefits)
  • they chose name to appear as National Motor Car Blub of America = WRONG (MCA Motorclub is 90 years old)
  • MCA used to be Pre Paid Legal = WRONG (TVC CEO Virgil Coffee used to be involved with them but it’s separate)

Glassdoor gave them a 4.1 rating. Impressive.

Like I said, these are one of the good guys.

Straight-up, no gimmicks here. Gotta love that.

Still, it’s traditional MLM. Make a list of your family and friends, throw home parties, 3-way-calls, etc, etc. That’s so played out.

There’s a better way. You can build a real online business that will be around for future generations. A business you can feel good about.

I’ve gone in an entirely, non-MLM direction, and my 30k months never get old. You can apply for mentorship opportunities here.



  1. Dave Chansky

    November 2, 2015 at 7:36 pm

    It sounds interesting. I did like your appraisal of
    various mlm oppotunities and what you said about
    MCA. Get in touch

    • Jeremy Page

      November 3, 2015 at 12:18 pm

      Great, Dave – if you’re interested you can get in touch with us by clicking here.

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Multilevel Marketing

Zija review: Nutritional supplements from moringa

Zija is a nutritional products network marketing company capitalizing on the healthful properties of moringa.

In May 2017 they acquired Xango, making them a bigger force in the health MLM space.

Run by a pioneer inventor in the herbal supplement industry and propelled by a top Harvard scientist, Zija is setup to do big things.


We’ll take a look at exactly what Zija is celebrating. You’ll find out whether the science is there to support the claims made about moringa. You’ll also discover how well their International compensation plan stacks up in a sea that’s brimming with nutritional energy drinks (hint: Tru Vision, Isagenix, and Visi).

First let’s find out about moringa.

Moringa Oleifera is a tree found in the foothills of the Himalayas known for its drought-resistant properties (1). The seedpods are eaten in Africa and Asia. The leaves are the most nutritious part and are eaten in Southeast Asia. The flowers are said to taste like mushrooms.

There seems to be no question as to the high nutritional value of moringa. It’s a good source of protein as well as vitamins, amino acids, minerals, and phenolics (2).

But delve a little deeper and the clinical studies aren’t there yet for many of the claims made by Zija Interntional. More on that below.

Who is Zija International? The founder of Zija is Ken Brailsford. He is credited with inventing herbal encapsulation, and with helping to bring moringa to the supplement industry after watching a documentary about the health benefits of consuming parts of the moringa tree.

Mr.Brailsford is actually something of a “star” in the herbal supplement world. He started Nature’s Sunshine in the 1970s, to capitalize on his new herbal encapsulation methodology. He ran that until 1979 when he left to become a stockbroker because of a noncompete clause with Nature’s Sunshine (3). He later went back but fully retired in 1997 until he founded Zija years later.

The company is based in Lehi, Utah and boasts an executive team of “experienced MLM professionals.”  That would include CEO Rodney Larsen who was hired to promote the growth goals of Zija. Mr.Larsen has been with ZI since 2006 and his LinkedIn profile shows no other data before that year. Some Zija affiliate websites do mention that he worked for NEXX and a branch of NuSkin Entrprises before joining Zija.

President Brad Stewart’s profile mentions that he has managed his career “through vision and faith”. He has been involved in network marketing his whole life.

Executive Vice President Darrell Eyre started as an Amway distributor and has been in network marketing for 25 years.

COO Michael Hershberger has over 15 years experience in management and IT and an MBA.

The takeaway: apart from the Chief Operating Officer, Zija International is run by people who have pretty much always worked in network marketing. The founder is recognized as an important figure in herbal supplement history and founded one of the oldest and most successful herbal supplement companies in the world.

Zija International is a BBB accredited business with a rating of A+.


The ZI products can be divided into three categories: moringa, ameo, and ripstix. Headed by  Harvard Medical School valedictorian Joshua Plant, the scientific wing of Zija International is actively engaged in formulating new products based on moringa and other botanicals.

Moringa is believed to support a wide range of health benefits, including anti-inflammatory support, improved digestion, improved mental clarity, increased energy, anti-aging, immune system support, and blood glucose level regulation. All of these benefits are listed on the Zija International website.

Scientific evidence and clinical trials, however, are hard to find.

There is one agricultural study  where mice and ruminants were given moringa tea. It was found that the white cell count in the mice who drank the tea was significantly higher. Mice also experienced reduced inflammatory responses.

In that same study, Moringa also improved cell viability in sheep and goats, and reduced oxidative stress from internal parasites. No effect on the gut health of pigs was observed, however (4). The results of this study have only been published informally to date.

The same Ag & Tech school that’s conducting that study is also looking into the use of moringa to promote animal health. Specifically, they’re researching moringa’s effects on the immune system (on B and T cells). In addition, they’re studying moringa’s effects on growth rate and performance of pigs. However, at this time it’s merely stated that more research is needed (5).

There is also a World Health Report citing the use of moringa in the use of water treatment in developing countries (6). But so far, not much has made it into the National Institutes of Health’s PubMed system.

The takeaway: moringa is incredibly nutritionally dense, but clinical studies are needed to support many of the health benefit claims made by Zija Interntaional.

Essential oils produced with clinical-grade standards and Zija’s exclusive patent-pending certification system.

Ripstix Hydration and Fitness Line – these are energy drinks in powdered form. Fitness supplements containing L-arginine (8) and electrolytes, they also contain fructose which some people try and stay away from.

Compensation Plan

There are tens of thousands of independent distributors working for Zija International. They have access to an extensive network of Zija training modules, including videos, an app, audio training, all of which is measured by a series of exams.

It’s the only MLM known to have a certification process for its distributors. Not only that, but every 90 days, distributors must re-certify. Passing exams means higher pay, too (7).

This is similar to how non-MLM companies handle their training. For example, public school teachers get pay raises when they pass graduate-level courses from accredited institutions of higher learning.

So what if Zija operates its own training, testing, and certification program in-house: it’s far above and beyond what you’ll see in other MLM companies.


1) IBOs profit by purchasing products at wholesale prices and selling them at retail (up to 25% profit).

2) Qualify to earn commission by being on autoship for at least 75 PV per month.

3) Get 10% of sales made by your personally enrolled recruits.

4) Team commissions and further bonuses as you advance in rank.


Zija appears to offer a good product. They have done a lot of things right and have a unique niche in the competitive nutritional supplement industry. But the income potential isn’t worth my time.

I’m not saying Zija International is a bad company – they’re not.

With any MLM, peddling products to your family members and friends at church might work for a couple months…maybe over a year if you’re lucky.

In the end, it’s still the sad story of selling hype and chasing the hot opportunity.

There is a better way.

Check this out. This will help wreck your money-chasing habits.

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