Complaint Review: NAA National Agents Alliance - Mesa Arizona

 Hi I was a victim of this companies cheating ways and have recently found a new company to work for. But as soon as I tried to transfer my contract with one of the insurance carriers, NAA dug their claws in a refused to release me and I have to wait for six months to release myself. But luckily there are other insurance carriers to work with while I wait. NAA is a real scam and steal from the agent that are hustling by give extremely low commissions at 40%.

 When I post a good job due to a company takeover I decided it was best for me to go out on my own. About that time I was contacted by a rep from NAA asking me if I was interested in becoming an insurance agent. I did not have a producer's license but he told me how I could get one. He also told me that he would always be there for me if I had any questions and, once i got my license, to contact him. He said he would give me a couple leads a month but the rest I would have to pay for. He also stated that I would get $500 policy that I sold. I thought this was a bit too good to be true so I asked him a couple more times "Are you sure they are not going to cost me anything? And I WILL get $500 for each one I sell. No strings attached" He kept reassuring me that the leads would be free and that the $500 would be mine free and clear.

Money was tight but I felt this would be a great opportunity for me so I jumped at it and paid for the schooling. I completed my schooling and passed with flying colors and got my producer's license with my state. I contacted the rep again and told him that I had my producer's license, took the required courses on the NAA site and was ready to go. I received no response despite several attempts to reach him. It was like he had dropped off the face of the earth. I decided to contacted NAA customer service to express my concerns. They gave me the name of another individual to talk to. He dropped a bombshell. All of the information the first rep had told me was nothing but lies. Worst of all. There are no such things as free leads with NAA and that I would have to give the $500 back to NAA if the client cancelled their insurance policy at any time.

So the rep had lied about that too. The individual told me that he was sorry for what the first rep had done but to give him a few days to see what he could do and he would get back to me. A month later when I never heard back from him I contacted him again. After several attempts I still have yet to hear back from him. I decided to contact some of the local Insurance Agencies around my area to see if I could work for them. But the minute they hear NAA they either take on a "don't call us, we'll call you attitude" OR they tell me that I need more education before they can hire me. Stating that what NAA teaches does not meet their standards. So here I am with a producer's license I have only had for 6 months and no place to go with it. What a waste of time and money. I am 55 years old. I have always tried to be careful and could smell a scam a mile away. I told myself I was smart enough to never get scammed and never had. But NAA and its smooth talkers did it. They succeeded in scamming me.

 The person who wrote this comment about NAA is obviously upset about some things but I can tell you there's over a 90% failure rate of insurance agents because this position isn't for everyone. One of the biggest things I wanted to address is that leaving national agents alliance doesn't hold your license and you you are not considered a captive agent....you can leave anytime you want to go to work for any other company you want....this notion that you are stuck and that they are someway keeping you from pursuing your future endeavors is a bunch of malarkey. I know the owner of the company that is to say I know him as much as anyone knew him that shook his hand and talked with him about achieving success. leads are very expensive to produce and so yes that is pretty much the only expense you have outside of putting gas in your car and your time.

The person that wrote this malicious article against national agent alliance obviously doesn't understand the products of which he specifically mentioned mortgage protection which is life insurance....The great thing about mortgage protection is it never decreases in value versus a mortgage protection policy issued by a bank which is a decreasing term that decreases as your mortgage decreases. when I sold insurance with national agents alliance I spoke with people in their 20s 30s 40s 50s 60s 70s and yes 80s because they were the ones responding to our advertisements and they were usually in a position leading protection in the untimely event of a death. all of our plans were customizable to fit needs and budget and believe me people don't buy it they don't want it.

for insurance company to have a good rating they must pay out their claims unless an application was fraudulent in someway. most agents are full of excuses and have thin skin but I can tell you that I've never deeived so much satisfaction in my life that I have when talking to a family that benefited from making that small investment every month.... some of our families can afford to take out enough insurance to cover the entire mortgage so they would take out enough to cover a year or two of mortgage payments which is a huge help when the breadwinner is deceased and the kids don't have to move to a different school district because dad's not there to pay the bills anymore… The writer of this article doesn't represent good decent agents with integrity who seek to help people first and profit second.

When you have a system where the company sells the leads to the agents at a low commission level it spells disaster for the agents. In order to build a multi-million dollar income for the top of the pyramid you have to create numerous levels to blow out the agents at the bottom for the benefit of those at the top. Definitely greener opportunities but I learned a lot from NAA on how NOT to treat agents.

I was associated with this company for many years.  Most of what I read in these reports is accurate.  If you are considering an association with this company, please be very, very careful and READ the contract.  Better yet, pay an attorney to review the contract. Most carriers standard release policy lets you move your contract after 6 months of no production as long as you have no debt...not 2 years. 

Ask to see tax returns of anyone who brags about how much money they make.  The income amounts touted are GROSS business income not actual net income or "take home pay".  From my own experience, personal net income was 20-25% of gross business income. So, for the ones that say they make $1,000,000 per year, they are most likely making about $200,000-$250,000 per year.  $200K a year is good money.  Why not use that figure when recruiting?  For those making $100K, figure they net $20K-25K...not so good...but they get a nice ring.

There are lots of great insurance sales opportunities out there.  There are also a lot of spin offs of this company that seem to have the same business model.

I am now part of a very small group now that is focused on simply selling insurance and not trying to recruit thousands of agents. We think a small group of agents actually making and KEEPING money is better than thousands of agents going broke chasing someone else's dream.  Agents who just want to go sell and be left alone like what we are doing.  They won't get rich but they can realistically make $75K with no expenses other than gas for their car to go see the leads we give them at no cost. Oh, and if an agent wants to go somewhere else, we give them a release immediately so they are not out of work.

I'm not trying to recruit anyone here.  I only work with experienced agents and I hand pick the ones I'd like to interview.  Just be very, very careful before you sign a contract...with anyone.  And, whatever you do, do not give anyone access to your bank account to pay for leads!!!  

I could go on and on with lots of details but enough others have already done that here.  Pay attention.

Yes, I agree and I think its time to start a Class Action Lawsuit to shut them down, I have an INsurance Fraud INvestiagot that I am working with  that may help... once i figure out how to go about it then I beleive it can happen...they are wrong on so many levels

For the fun of it, I like to catch up on Andy Allwrongs stories... I too was there, won a trip to Portugal back in 07 with IOF and was loving NAA. Then I realized that I only netted $30K on a $100k production year, my very first and only year. By the time we had quit and hit the road of independcy we had qualified for the trip and went. It was hilarious, we hung out with 3 other couples who had also walked but wanted to go on vaca, we laughed at Allwrong and his followers. I hated the religion, I hated the lies but Portugal was nice.

So the good news, there are greener pastures, there are better options. WE have been fortunate enough to stay in the business, work in our Ppajamas on the phone exclusively and operate a successful brokerage offering all carriers and products in life, di, and annuities. We did over $150K last year and should exceed $200K this year with expenses less than 10%.

I am happy to chat with any one that want to learn how to be independent and help do whats in a clients best interest by underwriting them and evaluating if they should buy fully underwritten vs simple issue, instead of forcing them into simple issue products like Allwrong pushes.

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I agree with your outlook, and could add more, but all the messages that are on here are enought to say, can we all have it wrong?  I dont think so!!  Just the ones that wanted to voice concerns.   I have done some research and this could warrant a class action lawsuit, and as I have found other lawsuits thta have been brought to the courts along the lines of this deceptive behavior, the plaintiffs actually won 50 Million against the company.  NAA does need to stopped, many deceptive actions that are detrimental to many people, the consumer and that agents.  I beleive I have enough to get them interested in this case....Stay Tuned