NAA - National Agents Alliance, Breach of contract, excessive bank drafts after termination Burlington North Carolina
Your NAA contract or contracting is not worth the paper it is written on, they make up the rules to suit them. I was terminated over the phone, not in writing by normal mail as your contract says. I was terminated for doing exactly what my recruiter talked me into doing with my former employer. They want you to do all kinds of contracting before you leave your employer, but don't contract with some one else when you are with NAA. No where in your contract does it say you can be terminated instantly for any thing.
When they terminate you they stop all your commission advances and you get paid a little bit every time some one pays their premium. They also continue to debit your account even though you try to discontinue all their little extras, they don't return calls even after several attemps, but they still debit your account. They tell you they refuse to release you from any contracts for 6 months, but you can continue to write business and let ever one in your upline continue to make money off you.
Just when you think you have your new business all set up and you try to write some businees with one of the companies you find out it has been refused because they have now terminated your contract with that company, you can't transfer it now you have to re apply with another agency. What do you tell your client then? This company and it's people are ruthless and vengefull. Do your self a favor and walk away, they take half your commission and tell you not to believe what you read or hear about the real world.
K
Bonita Springs, Florida
U.S.A.
1 Updates & Rebuttals
Disillusioned
Parma Heights,Ohio,
U.S.A.
your experience is typical
#2UPDATE EX-employee responds
Fri, April 03, 2009
I had a very bad experience with NAA four years ago that is very similar. Only I resigned and did that in writing and asked that no further deductions be made from my account. Yet they deducted my account for leads that I never received. I complained long and loud to those in charge of NAA, but I would have better results talking to a stone wall. I did file a complaint with the state department of insurance, but they took three months to act on it. I also filed a claim in small claims court and got a default judgment that was ignored.
One thing that you can do is contact the IRS and look at their rules regarding whether one is an independent contractor or an employee. I feel that they are violating those regulations regarding whether you are an independent contractor. According to the IRS rules on independent contractors (and a legal opinion from my state's insurance department), if you are an independent contractor, you are free to contract with and sell any insurance product you are licensed to sell with any company authorized to operate in your state. No one can prevent you from doing so. You are even free to sell competing products, but I would be careful there. You can make a case for selling a similar product with another company if your primary company does not offer that product or what is available isn't right for the prospect. Also as an independent contractor, YOU not the company own the business sold.
My advice is that if the amount deducted is small, walk away from it. If the amount is large, file a claim in court and you may have to retain legal counsel to collect. Report this to the state insurance department as well as any consumer agencies in your area. Then send a letter in writing to the head honchos about your termination. Then go out and replace everything you wrote through NAA as soon as possible. You legally own those clients.