MJ Settlements advertising is like playing a childhood game of “Spot The Difference”. So Let’s Play and Critique at the Same Time.
Note: Both of these images were captured from public facing images on the MJ Settlements X account on October 15, 2025 for reference purposes only. No copyright claimed.
Name of Insurer
- One of the pair on X says Prudential and the other says Prudential Insurance Company. The latter is closer, but no stogie for Leskie.The proper underwriting company as covered in prior posts is The Prudential Insurance Company of America.
Not an Annuity
- Nothing that MJ Settlements or Todd M. Lesk is pitching using X (as shown in the above two screenshots to this post) is an annuity. It is a receivable.
- The biggest howler of the day is the use of BANK as the background AI image. with MJ Settlements
- Under Florida law, annuities can only be issued by licensed insurance companies. Banks are permitted to sell them through licensed agents; however, they are not considered bank products and are not FDIC insured.
- While not explicitly stated, these X communications represent the typical modus operandi of MJ Settlements and Todd M. Lesk as observed and recounted in prior posts.
- While the “Deal of the Day” deal number 934 is identical in both screenshots, one refers to it as the “interest rate,” while the other calls it the “yield.” Yield and interest rate are not the same.
- Interest rate is the percentage charged by a lender for borrowed money.
- Yield represents the total profit earned on an investment, which includes interest payments
- While there is a close relationship between the two, yield can vary from the interest rate due to various factors such as asset price changes..
- With bonds, yield is derived from interest rates and reflects the overall return on investment (ROI).
- At first glance, doesn’t the smiley look like someone gagging on a dollar sign?
Last updated October 24, 2025
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