I was part of a sub agency that was not the 'worst' among NAA so I count myself lucky.. There were some people there that were really trying to be decent but they had drunk the coolaid and were hopelessly tied into NAA now.. I have seen some reports here about how the math to make money at NAA just doesnt add up.. Those reports are correct. You cannot make a decent living just selling insurance with them unless you happen to be one of the lucky people in a remote location (ie.. Maine) where there is no competition. So really if you want to make a good living or try for the 'big' bucks then you must recruit and the pressure to do so is enormous..
Basically for tax purposes you are self employed but this organization puts a lot of effort into tryng to micro manage you. They want you to count your calls, catagorize them, submit reports etc.. they want you to pay for seminars, your own travel.. buy their cds.. etc... and if you dont do these things they will say you are not a good agent and they wont let you have the good leads... if you cant get those leads then you are basically screwed. even with the A leads its hard enough enough to make money.. there are other reports here that correctly outline that you will need about 73 A leads a week to be able to survive... and I dont know a single agent, even a manager that can get that quantity of legitimate A leads. And consider, that my upline actually gave me A leads to help me out and when i got them I realized these were A leads that I had already purchased weeks before.! lol. So the A leads are not so great.
You will hear constantly about how they dont make money selling leads but that's total bs. And you will be charged for going to seminars but it doesnt cost them anything since the vendors already paid for all of that ! so they make money off of seminars and they make money selling leads.. getting overrides on your insurance sales is just icing on the cake. But they have to be careful about how they manage that because losing accounts and dealing with chargebacks puts a lot of people out of this business with NAA.
I am a professional and truly beleived with my brains and my hard work that I could make this work and I put 2 years of my life into this. But it was to no avail. I started this effort with a good amount of cash and ended it with destroyed credit and no cash. I lost my car, my house and my fiance because I was so determined to make this work in spite of all the people in my life telling me to get out of it. I alway said to myself.. "I can work harder.. I can make more calls.. I can drive faster between appointments to squeeze more of them into a week". But there is no amount of work that can overcome a system that just doesnt work. My total income working for NAA dropped by 40% and now I also had to pay thousands in expenses trying to get A leads which are mostly not even available.
Thank God that I was able to borrow a car and get back into my prior profession. Its been over a year now and slowly I am rebuilding my life. Did I drink the coolaid? Yes I did somewhat. If I didnt have these professional skills that I am utilizing now I would have had no way to recover from this disaster that is called NAA. Honestly, its the worst thing that ever happened to me in my life.