• Report: #272462

Complaint Review: National Agents Alliance

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  • Submitted: Wed, September 05, 2007
  • Updated: Fri, February 05, 2010

  • Reported By:Parma Heights Ohio
National Agents Alliance
naaleads.com Burlington, North Carolina U.S.A.

National Agents Alliance NAA - a rip off if there ever was one, they don't live up to their promises Burlington North Carolina

*Consumer Suggestion: Condolences for NAA

*UPDATE Employee: Gave it an honest try

*UPDATE Employee: Gave it an honest try

*UPDATE Employee: A different opinion

*UPDATE Employee: A different opinion

*UPDATE Employee: A different opinion

*UPDATE Employee: A different opinion

*Author of original report: get real

*Author of original report: I worked, the system failed

*UPDATE Employee: NAA works, you don't!!!

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I was briefly involved with National Agents Alliance back in 2005 and it was one of the worst experiences I have had in my career. I have been in the insurance business since 1977 and had some success in selling mortgage proection insurance before so this seemed like a good way to make some money. Was I ever misled!

First, most of the leads were "cherry picked" by the manager so what I received was garbage. Of a run of ten leads, most were elderly, uninsurable or barely had enough money to afford anything. I was promised credit on "bad" leads, but that never happened. Instead my checking account was debited for additional leads that weren't any better.

Second, they said that commissions would be paid promptly upon submission and issue and that commissions would be annualized - WRONG! Instead it took a couple of weeks before commissions were paid and then I had to fight to get them annualized instead of paid as earned. Because of those promises that weren't delivered and lead costs being debited from my checking account, this caused many overdrafts resulting in fees from my bank.

When I tried to solve those problems, I was quickly labeled a "complainer" and the quality of the leads got worse. Finally I had had enough and told them I no longer wanted any more leads or anything to do with NAA. They stopped the flow of leads, but debited my checking acocunt for leads that I never received.

When I called NAA about correcting this, I was given the classic run around - bounced from person to person with no one taking any action or responsibility. I was finally told that was the manager's responsibility, but he deined anything had gone wrong.

I finally filed a formal complaint with the state department of insurance and I heard that particular manager was later diciplined and fired since NAA tried to recruit me back again.

NAA is a scam and they will cost you money. Even two years after this experience, NAA emails still clog up my inbox despite doing everything I can do to stop the spam. They are a bunch of sleaze artists that should be put out of business and a disgrace to the insurance business.

Disillusioned
Parma Heights, Ohio
U.S.A.

This report was posted on Ripoff Report on 09/05/2007 07:23 AM and is a permanent record located here: http://www.ripoffreport.com/r/National-Agents-Alliance/Burlington-North-Carolina/National-Agents-Alliance-NAA-a-rip-off-if-there-ever-was-one-they-dont-live-up-to-thei-272462. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

Condolences for NAA

AUTHOR: cortec3k - (United States of America)

First off,
I want to let you know, as a citizen how sorry I am that you had to deal with such pressure and falsehoods. These type of organizations, although providing a valid niche service to the community, can be tainted by unethical people.

I am interested in looking at providing mortgage protection for people here in MA.
However,certain precautions have to be taken. When considering the premise of "qualifying " to sell this product,always understand the the ones selling the leads are going to keep the good stuff for themselves..bottom line. At the moment you surrender to their request to buy leads from them, you are at their mercy.

There are hundreds of lead vendors that will gladly sell you lists of baby boomers with mortgages, that need help.Grant it, you will need a little experience in networking, but rest assured you will have control of the data.The key component is your "certification', or license to sell the insurance, that is something they cannot take away.

I had an experience with an MLM company that wanted me to be thier "marketing machine".. trying to sell every tape, book, seminar to me that they could find..and when you do not comply..they claim that you are not 'serious" about the business and they put you as low priority.It is sad to see this corruption, but keep in mind, this is still a viable service that you provide, you just have to protect yourself..NAA may not the blame..it's some of the people that represent it..that are greedy and corrupt.
If you can team up with a decent mortgage protection lead provider, your ahead of the game. Poor people do not have a chance, these characters target professional, upper middle class earners..that have disposable income...
Rick J Springfield, MA

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#2 UPDATE Employee

Gave it an honest try

AUTHOR: Disappointed - (USA)

I was found, by NAA, on a job site on the web.  I looked at posts on the web, but I knew that the web is a magnet for negative comments, so I decided to try it.  It seemed like a great program.  I was a new agent at the time.

They do have a great leadership development program and they expose people to  concepts that most people are not exposed to.  This alone, can be an incredible opportunity.  However, they also tend to be a bit hypocritical and tend to pick and choose which leadership concepts they will use.  They like all the flashy names, like Maxwell, and Maxwell has a great name in the field of leadership.  However, NAA leadership also plays a very childish game of "favorites".  If you follow all 8 of their steps you are a "friend" and they will oblige you with their time.  If you slip and don't do their steps you are not a "friend".  If you get back in line, you are a "friend" again.  While I do not claim to be a leadership expert, my knowledge of leadership tells me that this game actually is a demotivation tool and people quickly get tired of being played.  They also tell you to only talk to your upline and not to go crossline.  While I do understand this, there are times when you don't want to hear your manager's pep talk and just want the ear of a friend who you can talk to, who is experiencing your problems.  From the above, why would you consider your manager a possible friend since this friendship is based on your works and not on real friendship.  It is all based on what you can do for them.  Also, this forcing you to go upline with everything seems very controlling.  It goes back to the adage that those who control the information have all the power.

Also, NAA is really big about talking about being a loser if you quit.  This is huge pressure because who wants to be called a quitter or loser.  However, if you think about it, what "opportunity" were the leaders of NAA in before they came to NAA?  I understand several were associated with Amway.  I think they quit to start or join NAA.  So, they are quitters and losers, too! Hmmm.....  Bottom line, you don't keep doing what isn't working for you.  It is insanity to keep doing what doesn't work if you've given it an honest try.

I started out as they told me.  I did everything they told me.  I read the books, bought all the leads, read the books, went to the conferences, made the phone calls.  I cut myself off from "negative" people.  However, after giving it 7 months of effort and having invested 3x more than I made, I could not maintain it.  I have read about people going bankrupt and losing their marriages over this.  The policy of NAA seems to be, go to the conferences now matter what.  They encourage putting what you can't afford on the credit card.  Now, I don't think Dave Ramsey would approve of this.

Yes, the leads are ok.  No, they aren't the best.  I visited alot of families who couldn't afford anything or who bought and then dropped it a month or two later due to cost, and I get the chargeback.  Then, there were the leads who simply sent the letter back to stop the mailings. 

Yes, chargebacks are a fact of life in insurance.  But, when your business focus is selling simplified issue insurance, you open yourself up to it because the next agent behind you offers the client the same policy, underwritten, for almost half...hey, you do the math! 

NAA teaches you tell people that going fully underwritten is dangerous because if the exam reveals something and you are declined, you are marked for life and can't get insurance...or so I was taught.  One day, I ran across someone who was an underwriter.  I asked him about this.  He laughed.  He said that while you must admit you were declined, every company has its own standards and will want to know why you were declined, they will still evaluate you and you may get coverage.  In my opinion, pushing simplified issue is NAAs way to keep things simple and get agents paid faster.  Both are ok, but it isn't the best for the client, necessarily.

Yes, people do make money in NAA.  But there are many more who come in, give it 110% effort and lose money.  However, remember that this is your business, despite NAA making you think you serve at their pleasure.  If you find that this is a bad business decision, you stop it before too much damage is done and move on.  Practice good ROI analysis.  Their leads aren't outstanding and their carriers are ok, but just use your own mind.

I didn't want to flame NAA because it seems to work for some, but there are alot who it has hurt.  So, now I'm looking for a job to pay back this great "opportunity".

Oh, and in response to those NAAers who cruise these boards and ask why we don't put names...from what I have seen, NAA can be very vindictive and is very sensitive to criticism while they are very free to give it.
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#3 UPDATE Employee

Gave it an honest try

AUTHOR: Disappointed - (USA)

I was found, by NAA, on a job site on the web.  I looked at posts on the web, but I knew that the web is a magnet for negative comments, so I decided to try it.  It seemed like a great program.  I was a new agent at the time.

They do have a great leadership development program and they expose people to concepts in concepts that most people are not exposed to.  This alone, can be an incredible opportunity.  However, they also tend to be a bit hypocritical and tend to pick and choose which leadership concepts they will use.  They like all the flashy names, like Maxwell, and Maxwell has a great name in the field of leadership.  However, NAA leadership also plays a very childish game of "favorites".  If you follow all 8 of their steps you are a "friend" and they will oblige you with their time.  If you slip and don't do their steps you are not a "friend".  If you get back in line, you are a "friend" again.  While I do not claim to be a leadership expert, my knowledge of leadership tells me that this game actually is a demonstrator and people quickly get tired of being played.

Also, NAA is really big about talking about being a loser if you quit.  This is huge pressure because who wants to be called a quitter or loser.  However, if you think about it, what "opportunity" were the leaders of NAA in before they came to NAA?  I understand several were associated with Amway.  I think they quit to start or join NAA.  So, they are quitters and losers, too! Hmmm.....  Bottom line, you don't keep doing what isn't working for you.  It is insanity to keep doing what doesn't work if you've given it an honest try.

I started out as they told me.  I did everything they told me.  I read the books, bought all the leads, read the books, went to the conferences, made the phone calls.  I cut myself off from "negative" people.  However, after giving it 7 months of effort and having invested 3x more than I made, I could not maintain it.  I have read about people going bankrupt and losing their marriages over this.  The policy of NAA seems to be, go to the conferences now matter what.  They encourage putting what you can't afford on the credit card.  Now, I don't think Dave Ramsey would approve of this.

Yes, the leads are ok.  No, they aren't the best.  I visited alot of families who couldn't afford anything or who bought and then dropped it a month or two later due to cost, and I get the chargeback.  Then, there were the leads who simply sent the letter back to stop the mailings. 

Yes, chargebacks are a fact of life in insurance.  But, when your business focus is selling simplified issue insurance, you open yourself up to it because the next agent behind you offers the client the same policy, underwritten, for almost half...hey, you do the math! 

NAA teaches you tell people that going fully underwritten is dangerous because if the exam reveals something and you are declined, you are marked for life and can't get insurance...or so I was taught.  One day, I ran across someone who was an underwriter.  I asked him about this.  He laughed.  He said that while you must admit you were declined, every company has its own standards and will want to know why you were declined, they will still evaluate you and you may get coverage.  In my opinion, pushing simplified issue is NAAs way to keep things simple and get agents paid faster.  Both are ok, but it isn't the best for the client, necessarily.

Yes, people do make money in NAA.  But there are many more who come in, give it 110% effort and lose money.  However, remember that this is your business, despite NAA making you think you serve at their pleasure.  If you find that this is a bad business decision, you stop it before too much damage is done and move on.  Practice good ROI analysis.  Their leads aren't outstanding and their carriers are ok, but just use your own mind.

I didn't want to flame NAA because it seems to work for some, but there are alot who it has hurt.  So, now I'm looking for a job to pay back this great "opportunity".

Oh, and in response to those NAAers who cruise these boards and ask why we don't put names...from what I have seen, NAA can be very vindictive and is very sensitive to criticism while they are very free to give it.
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#4 UPDATE Employee

A different opinion

AUTHOR: Jason - (U.S.A.)

I can feel the frustration in your words & I have compassion for anyone who has to deal with an inexperience leader. I also know of many success within the NAA family. My 20yr cousin Paul has been with NAA since Aug of 07 and he has made a total of 96k (about 90% of his income is from personal production) this year. His college body Andrew, who is 19yrs old just cash flowed over 10k in the month of Sep and will cash flow about 7,500 this month (all from his own personal production). I cash flowed about 98k my first year with NAA (all Personal Production), 225k in 07 (160k personal production & 65k from my team), and I'm track for 300k this year (200k personal production and 100k team production).

I love the income I've made from my personal pen and I love being apart of the NAA family.
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#5 UPDATE Employee

A different opinion

AUTHOR: Jason - (U.S.A.)

I can feel the frustration in your words & I have compassion for anyone who has to deal with an inexperience leader. I also know of many success within the NAA family. My 20yr cousin Paul has been with NAA since Aug of 07 and he has made a total of 96k (about 90% of his income is from personal production) this year. His college body Andrew, who is 19yrs old just cash flowed over 10k in the month of Sep and will cash flow about 7,500 this month (all from his own personal production). I cash flowed about 98k my first year with NAA (all Personal Production), 225k in 07 (160k personal production & 65k from my team), and I'm track for 300k this year (200k personal production and 100k team production).

I love the income I've made from my personal pen and I love being apart of the NAA family.
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#6 UPDATE Employee

A different opinion

AUTHOR: Jason - (U.S.A.)

I can feel the frustration in your words & I have compassion for anyone who has to deal with an inexperience leader. I also know of many success within the NAA family. My 20yr cousin Paul has been with NAA since Aug of 07 and he has made a total of 96k (about 90% of his income is from personal production) this year. His college body Andrew, who is 19yrs old just cash flowed over 10k in the month of Sep and will cash flow about 7,500 this month (all from his own personal production). I cash flowed about 98k my first year with NAA (all Personal Production), 225k in 07 (160k personal production & 65k from my team), and I'm track for 300k this year (200k personal production and 100k team production).

I love the income I've made from my personal pen and I love being apart of the NAA family.
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#7 UPDATE Employee

A different opinion

AUTHOR: Jason - (U.S.A.)

I can feel the frustration in your words & I have compassion for anyone who has to deal with an inexperience leader. I also know of many success within the NAA family. My 20yr cousin Paul has been with NAA since Aug of 07 and he has made a total of 96k (about 90% of his income is from personal production) this year. His college body Andrew, who is 19yrs old just cash flowed over 10k in the month of Sep and will cash flow about 7,500 this month (all from his own personal production). I cash flowed about 98k my first year with NAA (all Personal Production), 225k in 07 (160k personal production & 65k from my team), and I'm track for 300k this year (200k personal production and 100k team production).

I love the income I've made from my personal pen and I love being apart of the NAA family.
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#8 Author of original report

get real

AUTHOR: Disillusioned - (U.S.A.)

The easiest thing to do when something isn't working is to blame it on the sales rep for not working. Get real, when there is such a high turnover among sales reps, the fault isn't with the rep as much as it is with the system. NAA is nothing more than a multi level scam masquarading as an insurance business. They are in the lead business and their "successful" reps are lead junkies (they even admit that fact).

From someone who has been in the insurance business only a few months, you are hardly in a position to comment or question whether or not someone else is "working". I have been in the insurance business more than thirty years and have achieved just about every sales honor there is in the business. I have also managed two field offices for a large national company and as many as thirteen sales reps. I have trained many successful sales reps including two that were the leading rookie agents in a four state region.

I am not naive enough to know that some leads would be clinkers. But when you are paying good money for bad leads, that is a rip off. As one who has been a successful manager, I know that you must never lie or lislead your sales reps if you want to have them work at their best and respect you as a manager. If you will lie to your sales reps, then you will lie to your clients.

Whenever you are selling an intangoble like insurance all you have going for you is your personal repurtation and integrity and the reputation and integrity of the companies you represent. When you lie down with dogs, you get fleas. It didn't take me long to learn that NAA is a pack of mangy dogs.
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#9 Author of original report

I worked, the system failed

AUTHOR: Disillusioned - (U.S.A.)

Perhaps your experience was different because you received quality leads. I was paying $13.00 a lead for "A" leads I was told. What leads I received were garbage. Like I said most were elderly, uninsurable or barely could afford what they had. In fact I'll bet a lot of those were "subprime" mortgages that are now in foreclosure. More than half the leads I received were low income neighborhoods in the inner city where I wouldn't dare run evening appointments. I also have a P & C license and most of those houses wouldn't qualify for a homeowners policy.

I was told that commissions would be annualized, but they weren't. I finally got them annualized, but I had to fight for it and wait a few weeks before that happened. One former NAA rep gave me his old "B" leads and I had more success with those than the "A" leads I was paying for.

Finally, when I had had enough, I asked that no more leads be sent to me. They complied and stopped sending me leads, but they debited my account for leads I never received. When I complained, I got the typical run around - bounced from person to person with no one taking responsibility. Then I was told to work with the manager, but he refused to take or return my calls.

That prompted me to file the complaint with the state insurance department. I even got a default judgement in small claims court, but NAA ignored it. Since the leads come through the managers, there is plenty of opportunity for "cherry picking" leads which explains why so many of my leads were in the inner city, elderly and uninsurable (try selling a lead where the responder indicates on the lead that they are diabetic). I am sure that he was either keeping the suburban leads for himself or sending them to his favorites.

I have achieved just about every sales honor in the insurance business (NQA, NSAA, MDRT) and have made others successful as a sales manager. It is a shame that the insurance business has become so bad that groups like NAA are allwed to flourish.
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#10 UPDATE Employee

NAA works, you don't!!!

AUTHOR: Debra - (U.S.A.)

I know my statement is harsh but I find it very true. If I don't put in the activity I can not expect anything but failure. The key that I have found to this business is activity, activity, activity.

I have been with NAA for a year in July. I have been in the insurance industry for over 20 years and I have finally found something that is a great opportunity.

I am paid for what I am worth and not what someone else feels I'm worth.

I have been reading for the last 30 minutes about how people were upset with their NAA experience. There is no lead program out there that is perfect. I also want to mention that I have not ever had a week go by that I made less than what my lead bill was. Many weeks I have definately made a lot more.

If you plug into the system and I mean really plug in you will be successful. I personally know of several in the Agency that I work in out of Dallas that made over $100,000 last year just on their own pen.

I am fortunate to be apart of a group of positive indivuduals that are there to help train you if you need it and to encourage you on the bad days.

I have now been full-time since April and my business has been doubling since that time. NAA is making my dreams come true on just my efforts alone.
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