Complaint Review: NAA National Agents Alliance - Burlington North Carolina

I also tried the NAA gig not once but twice. I was lead to believe that I would get some A PLus and A leads. Well when I called the A leads, they were either 80 years old or had already purchased. When I finally sold a policy, the people realized the pricing was 3x the price of normal life insurance which they shopped after I left online. The NAA deal is mostly with Old Mutual and Forresters which require no blood test or Paramed. If you are in decent health, you could purchase the same policy for a fraction of the cost from a top notch company, think Met Life, NY Life, etc. I was also told by my Agency Director that he doesn't make money on the leads. What a bunch of BS. Now I am with a Fortune 100 company selling legitimate life policies to people who can afford it and will not cancel in 30 days because they can't make the payments because they feel like eating this month.

Although I was contracted for 3 years with naa, I only wrote for about 18 months. It took me a while to figure things out since there wasn't as much information available as there is now. Had I had the wisdom then, I would have gotten out much sooner. Again, how many stories do you have to hear before you listen?

Christine, give it time. You too will learn the hard way. Just google naa complaints and check for yourself. After 3 years, I do know what I'm saying - just so you know. Another great board with real agents - not naa wanna be agents, is insuranceforums.com. There's over 1500 people that are saying just the opposite of what you are saying. What do you think about that? Is everyone lazy? After my learning experience with naa, I have went with a real agency and started at 85% commission. Yes Christine, 85%. Unbelievable? No, all legit agencies start you at this. I'm also writing with Genworth, AIG, Aviva, Chesapeake, Shenandoah and about 15 other A+ companies. I also recieve real leads instead of the overworked phone numbers that naa is passing around for a FEE everytime. I do not have to pay for conventions. My managers train me for free. I do not have to buy training CD's. They are mailed to me for free. In all honesty and not to be mean but I just can't understand that with all the information out there on naa that anyone could still be dumb enough to still be with them. I hope that you will check some of the sites I've given and wise up before your bitter and broke. You've been warned with all the info available, are you smart enough to take it is what I want to know. Please keep us posted and read, read, read!!!! Also, I met a sweet lady named Christine at the Dallas convention that charged her last $$ available to a credit card just to get out there. Would that be you??

Christine, give it time. You too will learn the hard way. Just google naa complaints and check for yourself. After 3 years, I do know what I'm saying - just so you know. Another great board with real agents - not naa wanna be agents, is insuranceforums.com. There's over 1500 people that are saying just the opposite of what you are saying. What do you think about that? Is everyone lazy? After my learning experience with naa, I have went with a real agency and started at 85% commission. Yes Christine, 85%. Unbelievable? No, all legit agencies start you at this. I'm also writing with Genworth, AIG, Aviva, Chesapeake, Shenandoah and about 15 other A+ companies. I also recieve real leads instead of the overworked phone numbers that naa is passing around for a FEE everytime. I do not have to pay for conventions. My managers train me for free. I do not have to buy training CD's. They are mailed to me for free. In all honesty and not to be mean but I just can't understand that with all the information out there on naa that anyone could still be dumb enough to still be with them. I hope that you will check some of the sites I've given and wise up before your bitter and broke. You've been warned with all the info available, are you smart enough to take it is what I want to know. Please keep us posted and read, read, read!!!! Also, I met a sweet lady named Christine at the Dallas convention that charged her last $$ available to a credit card just to get out there. Would that be you??

Christine, give it time. You too will learn the hard way. Just google naa complaints and check for yourself. After 3 years, I do know what I'm saying - just so you know. Another great board with real agents - not naa wanna be agents, is insuranceforums.com. There's over 1500 people that are saying just the opposite of what you are saying. What do you think about that? Is everyone lazy? After my learning experience with naa, I have went with a real agency and started at 85% commission. Yes Christine, 85%. Unbelievable? No, all legit agencies start you at this. I'm also writing with Genworth, AIG, Aviva, Chesapeake, Shenandoah and about 15 other A+ companies. I also recieve real leads instead of the overworked phone numbers that naa is passing around for a FEE everytime. I do not have to pay for conventions. My managers train me for free. I do not have to buy training CD's. They are mailed to me for free. In all honesty and not to be mean but I just can't understand that with all the information out there on naa that anyone could still be dumb enough to still be with them. I hope that you will check some of the sites I've given and wise up before your bitter and broke. You've been warned with all the info available, are you smart enough to take it is what I want to know. Please keep us posted and read, read, read!!!! Also, I met a sweet lady named Christine at the Dallas convention that charged her last $$ available to a credit card just to get out there. Would that be you??

I love people who have been with NAA for only a short period of time getting on these message boards promoting the Kool-Aid they've drunk too much. My response will be short. If you have been with NAA less than 12 months, how PROFITABLE are you? If you have been with NAA more than 12 months, how PROFITABLE are you? In other words, I challenge ANY AGENT to SHOW profit/loss statements, make sure to include lead costs, President's Club, conventions, MP3's, books, etc. I know I know, some are investments, so if you claim that in your response, WHAT ROI (return on investment, for the naive) have you gotten? Just curious, and awaiting a tangible response. By the way, don't pepper me or the rest of us with your mantra, "if you just stay long enough, and just keep to the system, it will work out." Well, I did all of that, for over 4 years, and I will gladly show you MY DEBTS, which include $75,000 of debts I am working to pay off ... and obviously, WITHOUT NAA money.

Seriously, I've never read sooo many things that just make me laugh. Have any of these people who post this negative B.S. ever been successful at any business venture??? Probably not. I'd like to see someone say something like, "I was attracted to NAA because of the fact they have leads, and I don't have to go out and cold-call. Unfortunately I thought it would be something I wouldn't have to work too hard for. After not going 10 for 10 my first day out, I realized NAA is a scam!" Absolutely NAA is the real deal....IF you are the real deal. If you aren't a hard worker and can't come here with some humility and want to learn, you have NO shot of being a success. Maybe someone who reads this response will be smart enough to NOT take the advice of other people they don't know who clearly are struggling with their professional life altogether.....go with your gut....but make sure it's YOUR gut! NAA is here to stay!

I just wanted to reply to your letter that you sent in about NAA. I have been with NAA since Nov. 07. I just want you to know that this company is going places and if you choose to leave now, you will be missing out. If you do not like your Manager, I would advise you to call the main office, let them know that you are not happy with who you are working with, and they will give you another manager to work with. I am telling you, they have alot of leads out there and they do not have enough employees to handle all those leads. You have the potential to make alot of money, and I do not want to see you throw this away. It takes alot of hard work, but I do believe that it will all pay off. The more phone call's you make, the more you talk to people about Mortgage Protection, the more money you will make and the happier you will be. If you are really just looking for a pay check, than maybe this is not for you. You have to be a caring individual to want to help the people that send in request's for agents to contact them. Do you know of any Insurance company that gives you people to call? Usually it is all cold calling. Take my advice and give it another try. Give me a call, I will help you, if you want. I will give you my e-mail address, but I do not think they will let me. Sincerely, NAA Agent

I too am the victim of NAA rip-offs. I spent nearly 5 months trying to earn pennies from them and found each step of the way blocked by obstacles that someone who is poor when starting can't pass. My manager (and the others as well) did little to help out, and when it came time for me to quit, no one listened. So, naturally, I just left without saying. I have yet to be contacted. Their conference calls are worthless drivel saying "you can do it!!" or "it takes 110% of you to get 110% of your clients!!". Never once did I hear helpful tips on the calls, and I listened in to virtually every single one, as well as ordered CDs and DVDs to learn from. The learning never happened. I watched people leave great jobs only to flop at NAA, which is not even a real company. It's not in the BBB, it's not a fortune 500 company, and there's nothing requiring the managers to actually help the little guy. In the end, if you choose to work NAA, your name better be related to the top 5 guys or you'll never make it. After all, they like it kept in the family, regardless of their worthless ads.

Man i swear people are to funny !! Complain, Wine, Cry it never stops. Don't u think they wanted to get you use to calling leads by giving you free old leads and also 3 hours drive thats nothing. I drive a 3 hour drive twice a week run about 7 to 11 appts pretty simple if you ask me. I think you just like to complain complain. The internet if full of you kinda annoys me half the time. I have worked for NAA since 04 the first 3 yrs I just personaly produced and have never complained about a lead. Let's face it America is lazy.

From your description, you were told many times of how you could increase your business, and you spent no money to attend anything, and didn't work very hard to get your skills to a level where you could help those families. I routinely work leads that old as a portion of my business, and turn in business EVERY WEEK from just such leads. Failure to learn the business is not NAA's fault - you must be teachable. I can understand where some of the misunderstandings come from, but you told on yourself with one comment. You took the severance of NAA's relationship with Shenandoah Life as a "red flag", but if you had actually been on the conference calls (as you said you were doing), you'd have learned that this was a mutual decision. Shenandoah had made some decisions about where it wanted its business to go in the future, and they simply didn't match up to NAA's goals. As agents, we still work with about a dozen A-rated major insurance companies (most MUCH larger than Shenandoah), and many of them are courting further business with NAA because they appreciate the high ethics we practice with our clients. That you failed (when NAA didn't charge you for leads, and you didn't invest in yourself or your company beyond the insurance license you still own) does not make it a ripoff. It makes it the wrong place for you. That some very highly motivated individuals are consistently at the top of the leaderboards is no surprise. Look at the leaderboards for the Masters - always the same few at the top there, too. These are simply the folks that are outperforming the rest of us (and no, I'm not one of those top few most of the time). However, there are lots of folks making a lot of money with NAA. I personally know Patrick Connors (though I'm not in his portion of the organization), and if you had set your pride aside and let him coach you, rather than being dismissive and challenging, you would have learned from one of the best in the industry. NAA is an insurance IMO (what most folks would call a "brokerage"). The leads you got WERE mortgage protection leads. That they were either internet-generated or telemarketing leads doesn't change that. I work several kinds of leads, almost all are mortgage protection leads, and all seem to be effective (even the old ones). If folks were hanging up on you, you needed to work on your telephone skills - you were coming across like a telemarketer. In short, stop blaming NAA (or anyone else) for your failure. You were in control, and you didn't take advantage of the business opportunity in front of you.

This is a rebuttal to the response from the gentleman in Arizona. I worked for NAA for almost 12 months and did fairly well at first, but things started to change. The leads began to be redistributed over and over again with them charging you as they were new leads. When I started to question my upline about the matter, they became extremely aggitated. I finally learned why the leads were being redistributed. The upline mangers were keeping the new A leads locally for themselves and redistributing the old leads to the new agents or the agents not in the inner circle. In repsonse to Paul Jara's comments, the leaders do not make money off the leads, that is correct. The ones who are making the money off the leads are the 3 owners of NAA. They sell these leads 8 to 10 times to different agents from $20 to $5 each time.... you do the math. NAA is not an insurance company, but a lead company. They start you off on a 55% commission contract, but if you were to get contracted with either company on your own, you will star with a 90% or 100% contract. So, where is the difference in commissions going...simple, to the 3 owners of NAA. If you are looking to get into the insurance industry, do some research on the companies available before you contract with them. There are many lucrative careers in the insurance industry, but NAA is not one of them. I hope this information is helpful to the next person. If you are contacted by an NAA recruiter or agent, tell them thanks, but no thanks. You will be grateful later. Respectfully, Ex-NAA Agent

To those who have posted on this site and those who may be recruited by NAA, read the writing on the wall. The "mortgage protection" market that NAA has been working in has dried up. Has anyone been reading the newspapers lately? or watching the evening news? I have a close friend who has been in real estate for more than thirty years and she tells me that this is the worst market she has ever seen, even worse than the early 1980s when interest rates were through the roof and no one was buying. I was briefly with NAA in 2005 and it was one of the worst experiences I have had in my career in the insurance business which goes back to 1977. I don't think anyone at the top of NAA or a manager is capable of telling the truth. I have worked with more than my share of slime balls and crooks in this business, but NAA takes the prize. Right now there are homes going into foreclosure all over the country and houses sitting on the market because there is a scarcity of buyers (mostly due to a tightening of credit). Does anyone think NAA could maintain a steady supply of quality leads in this mortgage protection market? I have been reading those postings about people complaining about recycled reads and leads that are garbage. That was my experience with NAA - the leads were cherry picked by the manager and what I received was the bottom of the barrel. Most of the people I was able to meet with were in lower income neighborhoods in the inner city and I presume had sub prime mortgages. Based on the information I was able to get on those I did meet with (I actually sold some), they could barely afford the house they were living in. Now it has been three years and the policies I have sold through NAA have all lapsed. Two of the houses where I sold a policy are in foreclosure (the "bank owned" sign is on the lawn and it is boarded up). Not one is currently in force. I did maintain contact with the people after I left NAA, but lost contact with them more than a year ago. In the light of the current events, NAA is on its way out. It is only a matter of time before it collapses like a house of cards. I could see that the organization was nothing but a massive pyramid scheme riding a wave of easy mortgage credit. Well now that wave has crashed and those left will be washed away with the tide. To those in NAA now - get out while you can before you go totally broke with your reputation in tatters.

This email was sent by me to Paul Jara, Patrick Connors, Andy Albright, and the brass at NAA. ~~~~~~~~~~~~~~~~~~~~~~~~~~~ Hello Paul, As you know, I've been diligently working full time as an Arizona Resident Life agent exclusively with NAA for more than 60 days. After listening to the NAA conference calls for the past 2 months, after successfully completing the "First 30 Days Checklist", after learning the products and software, after carefully calling and reviewing each of the 37 leads, (most of which were telemarketing and internet leads) that NAA has provided to me over the past 60 days, and specifically after carefully considering the content, grace and style of Patrick's below email to me, I have elected to terminate my business venture with NAA, and it's affiliates, effective immediately. It's evident that I am only wasting your time. It's also quite clear that NAA is wasting mine. In respect, I wish you all... Bon Voyage!! (Name Withheld) (member MDRT) Mesa, Arizona

I have been in NAA (not currently writing) for about 18 months. The only big $$ makers you will see will be the ones you've been seeing. It's been that way as long as I have been in. I've grossed about 16k since I have been with NAA and they have milked the majority of that money back from me with the conventions, dvds, leads (big one) and the 1,000 other things they want you to pay for. I too was at the Dallas convention and it literally broke my heart to see all the newbies that charged thier last available credit on their cards in order to make that trip. I wanted to tell them so bad but who was I to crush their dreams and inform them they were scammed. The only reason I went to the Dallas convention was because by the time I realized how crooked the top dogs with NAA were, they would not refund my tickets. My hubby and I decided to take the trip for a vacation only purpose. I had no interest in listening to their crap anymore! Five years ago, you could make money with them. Now they have recruited more agents than they have leads to go around, which is why the leads are recycled, charged to the agent, recycled again, charged to the agent, etc. It's a pyramid scam which is about to fall. You were too late to get in on the money. Mr. Hudgins was a good man. I think he saw what was coming of naa and the fact that they're stealing from the agents and clients. This is probably the reason he turned things over to someone else to do the dirty work. I am now an independent agent and just gonna sit back and watch this "sucky business" fall under the ground. Oh and just so you know, NAA makes ALL the money off leads. Try being a GM and asking them not to send you any leads. They will force you and charge you anyway....it's required. Glad to see you got out before going broke like a lot of them are about to do.....scams don't last forever.