My mom is upset I(18F) won't let her sign me up for some life insurance scheme. It gives me pyramid scheme vibes, though. What do I do?

My immigrant mom has fallen for scams before. I don't want her or me losing money.

Lately, my mom's been focused on this life insurance thing. She's had meetings over zoom with a guy and some other immigrants talking about it. Its called IUL (indexed universal life insurance). I think the World Financial Group is involved in it.

My mom took a test, got licensed by our state, and took some health tests to figure out what her premiums would be (if healthy, they're low; if unhealthy, they're high). She wants to recruit people so she'll get a higher rank in the company or something like that. She says if she gets me and my sibling to take the test and get licensed, she'll go up in rank.

My mom just gave me a long lecture. She sounded upset that I wasn't joining and that I'm skeptical. 2 days ago she told me that I'm "stopping her growth"- CRAZY statement, by the way. I'm so fucking tired of this; no matter how gently I tell her I'm not interested and it seems scammy, she insists on me joining the damn thing. Please help.