Is Team National a Pyramid Scheme Scam or Legit MLM? [2026 Review]

Someone has probably introduced Team National as a great way to save money and also earn a full time income working from home. But you’re probably wondering… is Team National a pyramid scheme? First of all, I want to congratulate you on taking this time to research the company. The main reason that up to 99% of MLM members lose money is because they jump into them without really understanding them. But it is possible for everyday people to make money from home. They just need the right training, tools and support. This honest Team National review, with videos, will expose the pros and cons of joining the company so that you can make an informed decision if it’s for you or not.

Team National Review

+$795/ $2,915 per 2 years for the discount membership

• $61.95/ month

What is Team National?

Team National is a discount membership Multi-Level-Marketing company. It was founded in 1997 by Richard Loehr and was passed onto his daughter, Angela in 2008. The company not only provides a way for people to get discounts on a huge range of products, but they also provide an opportunity for everyday people to earn money from home by recruiting more people into the Team National company. The 8-minute video below explains more about this opportunity… Many people will get very excited when they see this video about the opportunity. But you’re smart enough to realise this is just a promotional video made by Team National. So you’re probably still wondering…

Is Team National a pyramid scheme?

Technically no, Team National is not a pyramid scheme. It’s possible for their “International Marketing Directors” (IMD) to earn money by selling the discount memberships to other people. They do not HAVE to recruit people into the MLM company to earn good money. However, a much better question would be… “is Team National a pyramid scheme in disguise?”…

What is a pyramid scheme?

A company that promises payment to its members for recruiting more people into the company rather than selling any products or services.

These are illegal in most countries and the Wikipedia diagram below shows you why it’s impossible for everyone to make money inside a company like this… Team National does offer legit discount memberships that can save people a lot of money. However, it is very hard for IMD’s to make any significant money unless they recruit a lot of people. This means that the Team National is similar to a “pyramid scheme in disguise” because members will need to recruit people to “be their own boss” or work from home. The 5 minute video below explains this in more detail…

Success is rare with Team National

In fact, success if hard to find inside any MLM company. Did you know that between 73% and 99.9% of all MLM representatives lose money? You can actually see from the Team National income disclaimer that 98.5% of IMDs made less than $1,303 in 2019. When you account for the expenses of $1,595.40- $2,995.40 per year you can see that 98.5% of MLM members will lose money as an IMD. It’s important to note that they may be able to save money from the actual program itself so it doesn’t mean they are all out of pocket. But as a business opportunity… you can see that it’s pretty hard to “be your own boss”!

How does Team National Work?

Team National provides a range of discount memberships to people. People pay Team National a fee to get access to discounts at certain stores, and services. Basically, Team National buys “bulk wholesale” from these other companies so they can get a discount. And then they pass this discount onto their “members”. But instead of spending tons of money on marketing and advertising to sell their own memberships, they get everyday people to do this for them! In return, these everyday people (IMD’s) get commission and bonuses for selling these memberships or recruiting people into the MLM opportunity.

Team National products

Before you decide to jump into any MLM, you will need to understand the products or services on offer. Team National has a range of discounts for tons of products and services under these main 4 categories:

• Group buying power – TN helps people to save on items such as home and life insurance, automobiles, jewelry and so on.
• Factory-direct pricing – provides savings on flooring, mattresses, grills…
• Business services – Business owners can save on payment processing, legal solutions, and other benefits
• Rebate programs – Cashback from many retailers, from household goods, shoes, clothing, electronics, etc.

You can find more information about these discounts here. To access these discounts there are 2 membership options of:

• Standard Membership: $795 for 2 years
• Or Premium Membership (good for businesses): $2915 for 2 years

But note that there are many other companies out there that sell the same services such as:

• Legal Shield
• Asirvia
• Fluorescent Sand
• Genistar
• Cowboy Wealth
• Global Dream Network
• 7K Metals
• OnPassive
• United Success Network

So you’re probably wondering…

Can you make money with Team National?

The income disclosure proves that it is very hard to make money from Team National, but not impossible. The few people that do well from the company and make over $14k a year will treat this more like a full time “sales manager” job than a part time income to their other job. Typically, successful members in a MLM company are extroverted people that use social media all the time and very good at “selling the dream of being your own boss”. Hence, they have to recruit a large “downline” to make serious money and benefit from the bonuses & sales their team makes. They will then spend most of their time on Zoom calls encouraging their “team” to sell and recruit more to help them make more money!

How to make money with Team National

Like most MLMs there are 2 ways you can earn money as a IMD at Team National:

1. Sell the memberships to receive a commission of the sale
2. Recruit people into the MLM and earn bonuses from their sales

This is why Team National is not a pyramid scheme and has not been shut down by the FTC. They do not pay people directly for recruiting people into the MLM. But there are some very lucrative bonuses for any sales their downline can make. This means that members need to focus on recruiting to make money.

How much does it cost to join Team National MLM?

It costs $55 for the starter kit and $25 annual membership fee. If you want to sell these memberships you will be encouraged to try them for yourself so that you will understand them better. A 2 year members will cost either:

• Standard Membership: $795 (covers your immediate family)
• Or Premium Membership: $2,195 (covers some business expenses and your “extended family”)

But the fees do not stop there…

Team National monthly cost

If you want to become an International Marketing Director (IMD) you will need to allow for some additional monthly expenses to access all of the resources on offer at Team National:

• Success Club: $35.95 per month
• TNAllAccess.com: $10 per month.
• Information on Demand services for Genealogy or checking your downline: $99 a year or $9 a month
• Personal Big N Marketplace website - $75/year or $7/month for members; $495 for non-members

This information is not available on their website and I had to do some serious digging through YouTube videos and other IMD’s websites to find this out. So the total cost for your first year would be:

• $55
• $25
• $35.95 x 12
• $10 x 12
• $99
• $795- $2,195
• $75/year

Total costs for year 1 = $1,595.40- $2,995.40 Obviously this is cheaper that starting a standard bricks and mortar business. But it’s certainly not “free to start” like some people make it seem.

Team National compensation plan

For some reason many MLMs like to make their compensation plan harder to understand than solving a Rubik’s cube blindfolded. Team National is no different, so I will do my best to keep this simple. There are 5 ways you can get paid from Team National:

1. Direct discount membership commissions ($25-$100)
2. Residual discount membership commissions (binary compensation plan- if you recruit 10 points on both legs = $1,500… see diagram below. 3 points = premium member; 1 point = standard member)
3. Hosting bonus- (If your downline hits their 10 & 10- you receive a $1,000 bonus)
4. Presidential bonuses (extra $10-$100 bonuses for sales if you reach presidential rank)
5. Promotions - Trips for recruiting people.

If you are still confused by this… do not worry! The only thing you actually need to know is WHAT to do to make money:

• Sell discount memberships
• Recruit people into the MLM

And do you notice that 4 out of the 5 ways to get paid helps if you to recruit people into the MLM? The 3-minute video below explains the compensation plan in more detail…

Is Team National a scam?

No, Team National is not a scam. They sell legit discount memberships that people can use to save money from certain expenses. They also pay their IMD’s like they say they will. However, is this the best way for you to “be your own boss and work from home”? Only you can decide, but the rest of this Team National review will help you make an informed decision. Just to be fully transparent with you, I am not a distributor myself and I do not endorse Team National in any way. I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes. If you’d like to learn how to “Spot an Online Marketing Scam” then click the highlighted text.

Common positive reviews

Here are some of the positive reviews we had from Indeed about the job opportunity…

“Great family oriented company. Benefits surpass a lot of other companies in the area. Open door policy even with the CEO. Stress free working environment.”

Common negative reviews

And here are the common negative reviews we got…

“If you have the time, and network you can make decent money doing this. Otherwise, dont waste your time. You will spend more money buying the actual membership.” “Never trust HR. That’s a set up.The CEO doesn’t notice any of these things b/c the team leads/ managers put on a different face when she’s around. Very sweet woman & family. It’s sad.”

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What I like about Team National

There are some things that I do like about Team National’s MLM program compared to many other MLMs…

## What I don't like about Team National

There are some hidden truths that you won’t find out about on their website. Many people find this out the hard way, but it’s important to be aware of this before you dive in…

## My opinion - Team National

It is possible to find discounts from the membership offered at IMD. However, it is possible to find these kinds of discounts from companies that you do not need to pay to join. There are even discount memberships that are very similar that cost less than $20 a year! But what do I think are your chances of making money from this MLM?… via GIPHY 98.5% of IMDs lose money. That means that if you are going to make money you will need to recruit people that you know are very likely going to lose money… And that is not my idea of an ethical business model!

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