Independent Producers Of America/IAC/ABBA/Independence America Insurance Company Beware of this copycat company...can you say MEGA Life/NASE/Cornerstone America? Irving, TEXAS

I personally have my insurance with IAC it has been great.  No lies, no song and dance.  It is as it states without any limitations that other companies place on their insureds without letting them know about it.  IPA is a home based business opportunity a Marketing and Sales position with a career organization that has experience on how make you a Professional Health/Life Agent.  Show you the business, offer ongoing training, and provide benefits that are priced well in the marketplace.  We offer advance on commission because on an average sale as the complainer suggests being paid as earned would pay you $80.  Our advance program pays an average of $480 advance which is a loan, for each sale which allows New people in the business the ability to make a living selling 2, 3, 4, even 5 policies a week you are making good money.  Why is Free at last so afraid to identify himself.  Was he hired, couldn't sell and has to blame somebody??  I don't know his personal agenda he may have been fired for unethical business practices and is on a rampage about that...anyway, you feel free to call me with any questions, concerns or otherwise, because I have been with IPA for 3 years,  insured with them for 2 1/2 years and have experience nothing but positives.

In these times  of bulletin boards, blogs, and other means to post complaints...look up companies you do business with...Walmart, your bank, Visa, Blue Cross Blue Shield, there are THOUSANDS of people saying these are communist thieves for how they were handle...or wronged...or ripped off.  Were they?  Knee jerk reactions are the way that unlearned people react...an eye for an eye.  Maybe he was mishandled but to involve himself in Libel...I hope one day people will not be spineless or nameless as in this case and will ask for information or help instead of posting erroneous information riddled in half truths and exaggerations. 

I am Wayne Jones I am in Nashville TN my office number is 615.420.6003 If you have questions, concerns, answers...ha,ha please feel free to call me.

IPA is modeled after Cornerstone America - a company that I became very wealthy with back in the 90's. Right now, however, IPA is losing traction because of the poor leadership in the company. I have hired and trained some of the best people at CA and here at IPA as well - I spent alot of my time recruiting people away from Cornerstone to bring them into a better deal at IPA, but things have now changed - and it looks as though we are in for a rough ride at IPA.

My recommendation to those who are considering joining IPA - DON'T!!! You can't offer a win-win-win situation to anyone when you can't provide choices to your customers, income to your agents, or profits to the insurance company. I have been in the insurance business for over 10 years, but I fear the Captive Agent Distribution Model's days are numbered - we just can't go on paying people in debt and destroying families by putting them in financial ruin - and making a profit from it.

Some of what you have read is true. Not eveyone that comes to work with IPA-America has success. It takes a special type of individual to build wealth. If you are considering a career with IPA, take into consideration the following:

You will not succeed with IPA if you have any of the following qualities:

1. you are lazy

2. you don't like to work

3. you have no personality

4. you need someone to tell you what to do

5. you blame others for your failure

IPA and it's business model is set up for people that can succeed in life without someone else pulling the puppet strings. Rather than balme the company for your short-comings as an agent, take a look in the mirror. It's your fault! Go get a job that pays hourly and leave the real money to us. "They didn't give me leads" They didn't give me any clients". GIVE ME GIVE ME GIVE ME!!! That's all I hear from you wanna-be agents. You think the grass is greener somewhere else? The problem is not the product, and it's not management either. The problem is you!! Good luck!

All of you "EMPLOYEES" of IPA - what is your DUE COMPANY? $50,000? $100,000? $200,000 - Do you even have the sense to realize what 1.25% compounded monthly does to even a measly $50,000 Due Company......LOL. Go online, type in your total debt into a a debt calculator, use your own numbers from the "reports" you get monthly from IPA - and then tell me how quickly your debt will clear. Now that number will be assuming you STOPPED writting business today, but you won't will you....NO, NO, NO - you'll keep peddling that plan - and keep increasing your debt - and NONE of you have a 100% placement rate with a 0% lapse rate - so you will be cashing checks that CANNOT pay themselves off - therby INCREASING your debt.

Have you even bothered to crunch the numbers - you have at best a 20% renewal rate - you are paying RIDICULOUS interest on money you didn't even EARN - IT WAS LENT TO YOU - your accounting is pathetic - your lapse rates are over 4% monthly - you have some of the poorest underwriting turn around in the Nation - ARE YOU KIDDING ME? YOU ARE IN A MINE FIELD and dancing around celebrating - trust me - the end ain't gonna be pretty!!!!

You act like it's the people who leave who are crazy..... HAHAHAHA

YOU ARE BRAINWASHED AND SHACKLED WITH DEBT!!!! Your account won't clear in 12 months, 18 months, 24 months or 36 months - infact - IT WILL NEVER CLEAR - it just won't happen. You were told when you started you would have a cleared account in MAXIMUM 24 months by Pertile himself...... let me ask you - DO YOU HAVE A CLEARED ACCOUNT?  NO - NO YOU DON'T - well why is that Mr. this-is-the-best-company-out-there...... why hasn't your account cleared in the time frame you were TOLD it was going to clear?

BECAUSE THEY CHANGED CONTRACT, THE INSURANCE COMPANY, THE INTEREST LEVEL, THEY CHANGED THE RULES - WHY? Not for YOUR benefit - Not because agent is KING like they tell you - because they are NOT PROFITABLE - the accounts were upside down - meaning the company didn't want to finance all the debt at 12% - they want MORE PROFITS - 17% it is...... - HA - let me ask you: is that the action of a company where the agent is KING? HOW the F*&^ does increasing the agents DEBT LOAD benefit the AGENT? IT DOESN'T - but it does give a few agents who might have left had they had a smaller due company GOLDEN HANDCUFFS. THE TRUTH IS - most of you if you had the opportunity to leave - you would.

IPA will keep you SHACKLED WITH DEBT - SCARED and DEMORALIZED - and you as the brainwashed agent, divisional, regional will hope that if you just do what your told for long enough it will all work out..........

So tell me - if this is such a great company that truly wants people to be financially free - why don't they let you go as earned on your account? Why not give the option to any agent - because it is not profitable to to IPA to have agents who don't pay interest........

The fact you are completely oblivious to all of this means YOU ARE INSANE!!! You wouldn't let your bank INCREASE your interest rate on your MORTGAGE by 50%, but you'll let the company YOU TRUST (there's your first mistake) do it to you. "Guys, don't worry, you'll all be millionaires, stay the course, believe in us..."

TO TRUST THOSE WHO DELIBERATELY PLACE YOU IN HARMS WAY IS FOOLISH!!!!!

From the Bible: Mathew 7:16
"You will know them by their fruits. Grapes are not gathered from thorn bushes nor figs from thistles, are they?"

From the Bible: 2 Peter 2:3
"In their greed they will exploit you with deceptive words. The ancient verdict against them is still in force, and their destruction is not delayed."

Just as Rick, Mark and Dave were all involved with an Investigation by the Dept of Financial Services back in early 2000 - and they managed to skate their way out of trouble - it seems that their old tricks have already caught up with them and that they are under investigation AGAIN -

Potential recruits: BEWARE - this company is nothing but trouble and currently in HOT, HOT water with all the deceptive recruiting tactics that should be considered profiteering given these hard economic times and the fact they charge New Agents $285.00 to contract with IPA

take the first warning VERY seriously - nobody can afford to PAY IPA $285.00 to end up worse off than when they were recruited - and it has happenned time and time again with this company.

really!!? if you want to sell insurance and sleep at night the only real way is to show your clients all there is out there. sit on the same side of the table with them and go through all the companies. At the end they will be happy you took the time to show them, they will buy from you and you will get paid! yes you will get paid as earned but its your money! you dont owe the company on "your own sales" . If you need money to live get a part time job untill you billed it up. there is a reason they keep you captive. there is NO WAY IN HELL that there product ie. IPA,IAC, Mega or whoever fits every person. LOL what a joke! and appointment fees! are no where near 285.00 LOL!! When an IPA or mega or healthmarkets agent comes to your house do they speak to you about LTC,DI or LIFE? hell NO. they might run you a life quote if you ask. but no way in hell does it price in the real world. and the ABBA thing! LOL dont get me started. I am appointed with over 30 companies in south Florida. go to a BGA get your self set up. do you even know what BGA stands for? they will teach you every product out there and you can really help people make an informed decision. I AM TOP OF THE TABLE! WHAT ARE YOU!!

If an ipa or mega rep would like offer there input, please feel free. I look forward to replacing your business.

And yes I once made the mistake of working for one of these captive companies. so tell me im only saying this stuff because I couldn't make. LOL