Yes, this is normal. The only way around it is by referral, I have turn 2 people i network with through them this way and neither had to take it. But, it is really simple and elementary to take. You do however have to watch the videos because of information like when they started and stuff like that. They do have the higher payouts and my AM is awesome, he keeps the bottom line in mind and helps out for pushing you through on approvals for "outside the box" stuff.