I was contacted with this "opportunity" and attended one of their "show the plan" meetings where they glorify their business plan but throw stones at all the others. They are very experienced salesman and know the lines to tell you to comfort you about the risk and dampen your intuition about the catch involved. When you express a concern they operate on the "AIM" policy: acknowledge, ignore and move on.
They tell you that you will "Be your own bus, work the hours you want, run your own business" but what they don't tell you is that you will ALWAYS report to someone, you will always be pressured by the other person above you on the pyramid to make money (because they get a percentage of commision) and your own "business" is you trying to recruit people because you will get money off their commissions.
They will tell you that this isn't a pyramid scheme...because you can overtake the person above you. This would be great and all but they either have to quit or basically not sell any insurance policies for a couple months. The truth of it is that the person above you makes money off you and they always be riding you to sell policies. You will be told that they are "looking out for you and want the best for you" and some people in the company that could be true, but the majority of them are wolves in sheep clothing and want you to sell policies because THEY MAKE MONEY OFF YOUR WORK.
They make money off your work, that's why they try to get you to begin recruiting people so you can bring them in and make money off their commissions (pyramid scheme, anyone?). They want YOU to pay the advertising costs, the travel expenses and everything else involved. They will basically demand a list of contacts from you to build your "group" and try to hook them in as well trying to get them attend a seminar.
You are BOMBARDED to buy packages, books, cd's, Exclusive Presidents Club Membership offers, and tons of other costly items once you're in. Presidents club (basically a godaddy website) is $30/week...even after you leave NAA will STILL try to withdraw this from your bank account. It takes one call to sign up...but I had to call Four times, FOUR times to get it cancelled saying they "overlooked" it.
These "seminars" are where they pitch the idea and try to get you drink the kool-aid. They will pressure you and pressure you to spend 100's of dollars to travel and attend them to hear "insiprational stories" of how some people made it a success. Which would be great but the person above you on the pyramid, your "upline" tells you it'll change your business and help you succeed...however there is no training involved only these stories of how some people work 7 days a week and solicit insurance night and day for a living.
Once you are inside one of these seminars you're presented with a concession stand of overpriced book, training cd's, and forms for the NEXT seminar which conveniently have "vip" prices in the hundreds of dollars so you can stand around the big dogs of the company and get bad tasting food that isn't already included in the 100's of dollars priced packages.
This company is a giant brainwash. They constantly psychologically build an inferiority complex in yourself until you build a "I'll prove myself to you" and will submit yourself to their policies and demands. They tell you it's a low cost startup business...what they don't tell you is the money you will spend on getting licensed, paying for Errors and Omission coverage, leads (will get to next), traveling cost to appointments and seminars. All this money adds up in a very short amount of time.
Leads, these are forms people fill in for someone to contact them about an insurance policy. They tell you they cost as little as ten cents and upwards to $25. The truth about the ten cent leads are that they are over 2 years old, have been contacted by MULTIPLE insurance agents and are handed down to the next person. The $25 dollar leads are people that "expressed an interest in buying an insurance policy" in the last few weeks.
This would seem like an easy way to sell a policy but nowadays in this economy people are frugal and want to shop around...NAA will teach you to basically pressure these people into buying a policy but all the while putting a show that you only care that it's in their best interest. Your upline will teach you to manipulate people, if someone decides to cancel their policy they will have you lie to them in any way whatsoever to get back into their home and pressure them again. Here's a true story of my experience...
I met with a 80 year old couple that expressed interest in looking at a life insurance policy. I set the appointment and met with them. Upon meeting them they told me they were only looking around and just wanted to see what their options were. Alot of people think they can get alot of coverage for little money thanks to TV advertising, but at the end of the day insurance companies are really good gamblers...after all it's a trillion dollar business. These people had a $350,000 mortgage and their only income was $1,100 a month in social security with a retirement plan coming, they could barely get by each month. THEY SIMPLY could not afford a policy that would help them in any dollar amount without hurting them any further financially...I was able to convince them to try a policy and a few days later they cancelled because they did their bills and finances but could not afford the $80/month policy for $75,000 in coverage. My UPLINE told me, "call them, tell them they have to sign a cancellation paper or do whatever it takes to get back in their home and keep the policy in place because it's in their best interest." Their best interest was to strap themselves for even more money or was the best interest in my uplines commission earnings off this old couple? Personally, I think the couple are (((REDACTED FOUL LANGUAGE))) stupid for having a mortgage that high but not the financial means to pay it off...but I could not get myself to further strain these people. THIS IS ONLY ONE OF THE EXAMPLES OF MY EXPERIENCES IN NAA.
Their are alot of good people associated with NAA, don't get me wrong, honest people who are just trying to earn a living. But NAA will brainwash you and will try to turn you into an insurance selling robot that portrays to people you care about them but at the end of the day care about your commission off selling insurance policies. YOU WILL BE PROMISED MANY THINGS BUT WILL NOT RECEIVE THEM.
You will be told to cut numerous people out of your life because they don't agree with NAA. Your upline WILL try to turn to you against your significant other if they are not onboard with NAA like they did with me. When you leave, they WILL try to get between you and your friends trying to break off your friendship through manipulation. You WILL be looked down upon if you don't bring numerous people to seminars. You WILL be brainwashed into believing their "opportunity" will give you financial freedom, but will only turn you into a person LIVING day and night by your phone everyday of the week.
If you are looking into selling insurance, look for a legitimate company. NAA staff is trained to be friendly and helpful, they're good people but they're doing a job and their job is to get as many people in as possible because THAT'S HOW THE COMPANY MAKES MONEY...off you buying their items and selling insurance policies. Please don't make the same mistake I did. I put my heart and soul into this company for a few months and all I got was a smaller bank account, headache and the heartbreak of wanting a legitimate money making opportunity for my family.
I'm sure this letter will be bombarded by NAA members but that's ok...now that I'm not drinking their Kool-Aid I don't need to fear being honest anymore. It feels good to be out of their brainwashing and see it for what it really is...a brainwashing pyramid scheme that promises you the world but doesn't deliver. I pray that this finds the people googling this and doing their research about NAA...I did mine but never found a testimoney that went into detail of how the company truly works when you're in it. Save yourself and walk away, I beg you.