Exactly. Let him do it his way though, he is just making his career more difficult than it needs to be. Maybe he doesn't want to realize he is wrong on this issue because he has been doing it the wrong way for almost 8 years now. That is many lost clients and commissions and would devastate him to tell himself he was wrong.
I said prove it and you couldn't. Talk about two clowns misleading people on the forums, and offering no proof what they're doing is legal. I guarantee you'd be hardpressed to find 1 upline from Humana, UHC, Anthem, Aetna etc. that will say this is ok.
So you don't have any proof, but you rally a guy who's got less than 50 posts to his name. You aren't winning anyone over...