The Truth About Insurance Return Checks: An Insightful Review

what is insurance return checks review scam or legit

Welcome to the only Insurance Return Checks review you’ll ever need to read because right here, right now you’re going to find out the answer to this very important question:

What are Insurance Return Checks exactly – a program you join to get insurance checks sent to your door or an elaborate scam designed to deceive?

Before we get into things here, let me just congratulate you on taking the time to do your research. A lot fewer people would fall for scams if they just did exactly what you’re doing now.

And just so you know:

I am not associated with Insurance Return Checks (A.K.A. IRCs) in any way. 

I write this full and frank review as someone who makes a full-time living online to help you avoid misleading scams that leave you high and dry so you can better invest your time into real money making programs.

Insurance Return Checks Review

Downright Dirty And Deceptive Sales Tactics

You and I both know there is no end of scammy programs out there that promise you fast and easy cash on autopilot and, unfortunately, Insurance Return Checks is no different…

The Insurance Return Checks sales page was created by Robert Baillieul and his copywriting friends at Lombardi Financial to try and hoodwink you into thinking there are checks floating out there in cyberspace with your name on it and all you have to do is sign up and cash in as they land in your mailbox each month.

what are insurance return checks scam or legit review

In the promo video they tell you thousands of Americans have been regularly collecting these “IRCs”, giving you example after example of people cashing in up to $37K a year:

Lawyer Lisa: Her IRCs are bringing her in an extra $37,376.64 every year. That’s an average of $3,114.72 per month.

Investment Officer Martin: His IRCs bring him in an average of $6,117.60 per month.

Ex US Navy Captain: Gets $1,712.98 from his IRC.

Communications Worker Elizabeth: Gets $20,388.48 a year; that’s $1,699.04 a month.

Sounds great right? Sign up and just start receiving checks! However, with this program, not all is at it seems…

Here are 3 dirty untruths these guys won’t tell you:

1. Insurance Return Checks Don’t Actually Exist

They say insurance companies are returning millions of dollars to ordinary Americans every year. All you have to do is sign up to Robert Baillieul’s ‘plan’ to start collecting your checks.

insurance return checks scam

If you think this all sounds too good to be true then you’re absolutely right.

Lombardi Publishing’s team of expert copy writers are professionals at what they do and know exactly which strings to pull and what buttons to press.

They don’t exactly lie to your face as this would be breaking the law, so instead, they imply insurance companies are ready to send you checks. They subtly hint there’s free and easy money to be made but of course, this is all smoke and mirrors.

This reminds me of the Cash For Patriots Program I exposed recently that dupes you into thinking there’s some kind of U.S. government program where you simply sign up to to get ‘Trump checks’ sent to your door. The only difference is with IRCs we’re told it’s some kind of cashback system from insurance companies.

In both cases, the sales pages are highly misleading.

2. They Employ Blatant Fear Mongering Tactics

Less than 5 minutes into the sales video you’ll hear an almost state-by-state rundown of how insurance premiums are supposed to be rising by up to 30% in some cases except we’re given nothing to back this up.

This is sleazy sales tactics used to scare you into clicking their sign up button and one you shouldn’t fall for.

3. They Target The Elderly And Retired

Promising to be the solution to America’s apparent ‘retirement crisis’, the worst thing about this misleading, manipulative sales page is that Lombardi is intentionally targeting retirees and veterans with their misleading sales pitch.

what is insurance returns checks a scam

I wonder how many hundreds of elderly folks have seen this and, thinking this is a legit program, have gone ahead and signed up.

Like dangling a big golden carrot in front of you they’ll throw big numbers around, but they fail to be upfront and honest and what Insurance Return Checks are and how much money you’re going to need to invest to be in with even the slightest chance of making these kinds of returns.

What Is Insurance Return Checks Really?

OK, so let’s do a quick recap on what Insurance Return Checks is NOT:

  • It’s got nothing whatsoever to do with the fact health insurance premiums are supposedly rising.
  • You won’t get random checks dropping on your doormat from insurance companies.

There’s no ‘secret plan’ out there you don’t know about where insurance companies are sending people checks for doing nothing.

So what is Insurance Return Checks exactly?

Insurance Return Checks is nothing more than Robert Baillieul ‘s very clever sales pitch designed specifically to get you to sign up to his Passive Monthly Income newsletter which gives tips on investing in dividend stocks.

passive monthly income financial newsletter

You basically get recommendations on the best companies to invest in to get the best return, a private members-only website and email alerts telling you when you should buy and sell.

But before you rush ahead and sign up, these newsletter don’t come cheap:

Click the ‘Order Now’ button and you’ll be asked to pay $49 for a trial 6-month subscription and unless you cancel, your account will be billed for another $297 before the 6 months is up and from there you’ll be charged $594 per year.

insurance return checks costs and pricing

You’re also going to need to invest a heck of a lot of money to get anywhere close to the kind of returns they promised you in the promo video and even that’s not guaranteed.

Is Insurance Return Checks A Scam?

‘Scam’ is not a word I use lightly but in this case, I have to say that yes, Insurance Return Checks IS a scam.

If they just came out and said, “Look, if you’re interested we’ve got this monthly newsletter that can help you make money from the stock market. and told you about the risk involved then I’d have no problem with these guys but the fact they deliberately mislead people with fake ass advertising just pees me off big time.

I’m not the only one saying this either. Look at other Lombardi Publishing reviews online and you’ll find dozens of complaints from people who feel ripped off. It seems like there’s an ongoing issue with Lombardi taking money out of people’s accounts even after they’ve contacted them to cancel their subscriptions.

Lombardi have just a 1.5 out of 5 star rating on

lombardi publish scam reveiws

They’re not doing much better on the Better Business Bureau either:

better business bureau reviews

You know what?

Even if I were to start investing in the stock market then these are the last guys I would take financial advice from…

If they’re not even honest enough to be transparent with you on the sales page, to honour subscription cancellation requests then what reason do you have to believe they’ll tell you the truth after you’ve handed them your hard-earned cash?

You Don’t Have To Gamble To Make Money

One thing they are honest about though is that following their advice and investing your money does not guarantee you a return. Lombardi’s legal disclaimer makes it clear that there’s always a risk involved.

Even with the best advice, you always have to invest your money with extreme caution and never invest more than you’re ready to lose.

Here’s a great video on the pros and cons of investing, including some of the real risks involved:

However you try and dress it up, investing is always going to be a gamble and while I might dabble here and there, I would never base my whole financial future on the unpredictability of the stock market. It’s just too risky for me.

Affiliate marketing is a tried and tested way to replace your full-time income without breaking the bank. Broken down, the 4 step process to making money online looks a little something like this:

wealthy affiliate process for making money online

With 4 billion people on the planet searching the net every day, affiliate marketing is a massive 6.8 million dollar industry and growing year on year.

As a member of, you have the opportunity to grab your slice of this ever-growing pie. With their step by step video training, ordinary everyday people from all over the world can earn a living from the comfort of their own home.

In my opinion, investing $49.00 per month into the Wealthy Affiliate training and community platform to learn how to build an online passive income for yourself is a much better option than paying out for overpriced newsletters and gambling on the stock market any day.

I’ve written a complete hands-on review of Wealthy Affiliate you might want to check out to see exactly how they help me earn $7,000+ per month online.

Questions Or Thoughts Of Your Own?

Have you had any experience with Insurance Return Checks or Lombardi Publishing? What are your opinions on stock market investing vs. affiliate marketing? Scroll down and let us know what you think. We’d love to hear from you!

Are you sick of being scammed, or almost being scammed by hyped-up products that promise you the earth but leave you disappointed every time?

Scroll down and send me a message in the comments and I’ll be more than happy to help any way I can.

About Simon Crowe

Simon launched The Make Money Online Blog on a mission to help aspiring entrepreneurs kiss their bosses goodbye.

Get his free Affiliate Marketing Guide For Newbies to learn exactly how to make your dream business a reality.


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