Report: #276839

Complaint Review: National Agents Alliance

  • Submitted: Wed, October 03, 2007
  • Updated: Wed, August 06, 2014
  • Reported By: Rocky River Ohio
  • National Agents Alliance
    Burlington, North Carolina

Show customers why they should trust your business over your competitors...

I'd really like to back up and build upon the comments posted by Disillusioned from Parma Heights, Ohio on September 7, 2007. His/Her comments couldn't be more accurate.

As you can tell by my user name, I am truly astounded at how many folks continue to be sucked in by NAA's recruit marketing. First and foremost it is important to understand that NAA's President and CEO, Andy Albright, has a background in MLM (Multi Level Marketing for those of you unfamiliar with the acronym.) There are a myriad of reasons that MLM has the reputation it does, simply perform a search for Andy Albright on the web utilizing any of the more popular search engines and see for yourself just how many MLM activities he is or has been involved in.

So why does the history of NAA's President concern you? Well, simply put, NAA is an Independent Marketing Organization engaged in the business of selling leads. That's right, selling LEADS, not insurance, LEADS. The leads are just as Disillusioned stated, elderly and uninsurable. But why is that important you ask? It is important to remember that you are at a 55% contract rate to start out and that only 80% of that is advanced when the application is issued. The average sale for an NAA lead is around $360 (Agent's commission = $158.40) in annual premium, which means in order to reach their claims of $8,000 or $10,000 a week in annual premium you must meet with and close, the keyword here is close, just over 22 proposed insureds per week. Even NAA's best agents can't say they have closed 100% of their appointments in a given month or week for that matter. Here's where the rubber meets the road. In order to visit with 22 proposed insureds a week you'll need to have a lead flow of about 73 leads per week. Keep in mind that 22 per week is an average of 4.5 per day with about 1/2 hour drive between appointments in the same county, and one hour of time with each proposed insured "if" you take an application. If you work a normal work week that equates to just shy of 7 hours a day. Not too shabby... Very possible you say? That's 73 x $20 for what NAA has marketed as an "A" lead. "A" lead doesn't mean good quality, it just means current, as in the lead was very recently received from the proposed insured. Did you do the math while reading the last sentence? That's right it will cost you $1460 to be able to sit down with an average of 22 proposed insureds per week. Wait, what about the other 51 leads? What's wrong with them? Those are the ones that Disillusioned told you about, the ones that are too old, uninsurable, or can't afford any number you put in front of them, but you still paid $20 a piece for them. Do you see where we're headed here ladies and gentlemen? Your effective lead cost for 22 leads per week is $1460 or broken down, $66 a lead. So let's say you are the best agent NAA has ever had, you close 100% of your appointments every week for a month...
$1460 x 4 weeks = $5840 in lead cost, while your commissions on 22 closed appointments per week at $158.40 each x 4 weeks = $13,939.20 - $5840 lead cost = $8099.20 net profit before taxes, professional insurance, expenses(telephone, vehicle, fuel, etc.) After you take out your expenses it isn't much return on investment.

Now here is the best part. The above, run-on paragraph, is a "perfect" example, the way NAA and its President and CEO, Andy Albright, would like you to believe is the way it works. The reality of the matter is that it is nearly impossible for a new agent with NAA to get more than 10 "A" leads per week. As a former agent contracted through them I serviced the most populous county in my state. A reasonable person would think that with new mortgage closings exceeding 1500 per week in the county it would be fair to expect 75 leads per week, right? Not even close, you'd be lucky to see that many leads in two months. What they don't tell you up front is that your MGA (Managing General Agent) or upline (does MLM come to mind?) must request a certain amount of leads for a certain geographical area. If they are working out of the same county they can easily pick the leads they want to distribute to you and then keep the higher quality leads (i.e. younger, larger mortgage) for themselves. Heck, they can even double distribute the leads like NAA does with its "B" lead program (another story altogether). I can tell you exactly how many of their "B" leads I called on that had already been sold, the number is rather astounding! Haha!

The bottom line is this ladies and gentlemen... there are better programs out there, programs that truly give you exclusive leads, exclusive territories, and above all a 90% - 110% contract rate from the start! Do some research and you will find them. It may take a while, but in the end will be well worth it!

Rocky River, Ohio
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This report was posted on Ripoff Report on 10/03/2007 10:50 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Email address

AUTHOR: Alana - (San Marcos)

 Here is my email address , I look forward to hearing from you:

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#2 Consumer Comment

You are paid by the insurance companies

AUTHOR: Correcting misinformation - (USA)

This is in response to someone who said they keep your "last paycheck" when you leave.  You sign contracts directly with the insurance companies and are paid by them unless you assign those commissions over to the agency, whether it is NAA or another agency.  Then the agency pays you.  That is not the case here.  I have been selling insurance for awhile and just signed on with NAA.  All my contracts are as expected.  The commissions are paid directly to me. 


It is also not unual to start at a low commission rate and move up.  This is also normal with a lot of agencies, not just NAA.  You will stay at the low rate if you don't sell above a certain amount.  This is also normal.  Everything that I have seen as complaints is not unusual in the industry nor with particualr agencies. I could write a book on everything I have learned in the past 5 years that I wish someone had told me.


Having said that, there are some agencies and firms that will start you at a higher percentage. It is strictly up to that firm.  If I am an MGA (Managing General Agency), I may have a 100% contract with a particular insurance company.  If I sign under that MGA, that MGA can give me a 90% contract and keep the 10% override.  So if you are new to the industry, by all means, ask questions.  Check out different agencies.  There will be one that is right for you. Many that offer free leads, set up appointments for you, etc. will start you at around 50%-60%.  It is normal.  And you may stay there or not.


As I said, I can write a book.  Every complaint I see on here about this company is not unual in this industry and with agencies.  Wish I could go into it here, but as a said, do your homework.  Call different agencies, etc. and ask.  You'll see what I mean.

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#3 General Comment

Questions About Review

AUTHOR: faith1234 - (USA)

I was wondering how you could have done as much as you did, without even meeting your upline? How did you do all of your initial training? If you never met the person, how were u being guided? I've met my upline once, but it's hard for us to meet up because I do not drive and we are not in the same state. Please let me know how you made this possible.

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#4 Consumer Comment

NAA: Not a Scam

AUTHOR: stephani - (United States of America)

It's interesting to hear complaints about upfront fees. Has anyone signed up for a state exam for free? Nope. The course is rather inexpensive as is the state licensing fee. Naa doesn't charge you the course company and the state charge you. You are your own boss. You make your own hours. NAA trains you in the insurance business as well as personal growth. You do not work for NAA. NAA provides leads. Not cold calling for endless hours and getting nowhere. NAA offers conference calls three times a week to help you online training at their on one upline help, cross line help and weekly meetings on product training. They also have NAA university online to help you know your products and grow your business..all free.

President's club.. for a small's mailed weekly, more training from the top earners and your own web site..for 10.00 a month.

I haven't spent alot in leads at all. My upline gave me a ton when i got licensed in October. I bought about 500.00 worth of leads since then. I am now heading to national conference to get an award for top new female agents. It's an incredible organization with amazing people.

If you want to keep working for someone else, make a steady pay check, hopefully you can pay off your mortgage in 30 years. I for one enjoy the life i am living working for myself surrounded by great people, making really good money and just being really happy.
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#5 Consumer Comment

If you value your name, steer clear of NAA!

AUTHOR: Jazzman - (United States of America)

It is a lead selling company. They make most of their money tricking u into buying leads. And they'll keep u at a 55% contract as long as possible so they make exactly what u do. If u recruit anyone watch out. U won't get over-rides- someone else will. OH - and when u finally wake up and try to get out, of course u won't get your final check.

WHERE DID YOUR RENEWALS GO? Oh yeah, you never got any. Think about that.
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#6 UPDATE Employee

My NAA Experience..

AUTHOR: MT66 - (United States of America)

I recently found this thread about NAA and normally, I am not one to write on blogs, but I am making an exception in this case.

I first contracted with NAA about a year ago (I was already a licensed agent for the record).  I was given about 20 older leads at no cost to me and I did close 4 of them.  These were smaller deals for the most part, but I made just over $1000 from them (one was $580).  Then, I admittedly got sidetracked with another job and I didn't have much money to purchase leads so I put NAA on the back burner.  My uplink NEVER pressured me at all to go out and produce but did stay in touch with me...and vice versa.  I did see the financial potential, but again, I was busy with something else and didn't have the time or the extra money to buy leads.

Things changed for me in October.  I started working another job and what I was doing before pretty much dried up.  A couple of family members gave me about $300 to buy some leads and I re-started this opportunity, and ran my first appointments in mid-November.  Since then, I have spent about $425 in leads (mostly A, A1 & A2 Leads), BUT in just 4 weeks, I made nearly $2200 in commissions AND I still have several prospects that asked me to get back to them in early January.

Granted, that's not a lot of money, BUT I didn't run that many appointments to make what I got and it was strictly part-time.  I made about $700 of this on one Saturday for about 4 hours worth of work.  I have one of these prospects that I have already met with that could be over $2000 in commissions on policies for he and his wife only.  The possibilities are there, and I will admit that I was very skeptical myself when I first started, as I had been involved in other opportunities that didn't pan out.

For those that think that this is MLM...well, in a way it is, BUT you do not have to pay them at all as compared to other opportunities that are out there.  They get paid only when you produce and my uplink has been nothing but helpful.  I personally have NOT recruited anyone yet, and I am at the starter's level of 55%, but now they have a new program that if you produce at certain plateaus, your rate will increase.  The insurance companies are the ones that pay you directly (Not NAA) and I have been paid a few times within 3-4 days after submitting an application!  They are the ones that pay you an advance of 75-80%, so in months 10-12, you get the back-end money as long as they are on the books (and most of the time, they are)!  As a matter of fact, NAA is Mutual of Omaha's #1 outside producing organization (outside of MOO themselves)--needless to say, MOO is very happy with NAA!

My uplink DID NOT recruit me.  I called him!  I saw his ad and I STILL have never met him before as he is in another city far from me.  In my case, he actually sent me 3 weeks worth of commission statements and check stubs in his name by email.  Now, I'm sure that there are some 'questionable' agents/managers with NAA (as there are in every business known to man) that some may have run across.  However, in my experience, this is certainly not the case.

As far as up-front costs go, well everyone that wants to be an insurance agent is required by the Insurance Commissioner in his/her state to be licensed.  This isn't a scam, it's law.  In my case, I was already licensed so I already paid out this up front cost.  It breaks down to about $200 in my state---$99 for the online licensing training program, then $40 to take the exam at your local testing center, and then $50 for your insurance license for 2 years (this is the part that will vary depending upon where you live).  I am actually licensed in 6 states, although I am currently only selling for NAA in my resident state (that may change once I grow).  After that, there are NO other fees...NAA doesn't charge you to be contracted with them.  In some cases the CARRIERS may require a small fee in certain states to be contracted in, but that is no matter who you are working form.

Now, here's the part about buying your leads.  NAA spends a ton of $$$ on mailing costs every week.  Yes of course they are making money on reselling the leads, but hey, I'd rather have leads that someone has actually filled out and mailed in (AND SIGNED) any day, then get them on my own from some of these other leads sources (that I have used before).  Most people do recall sending these in!  I have yet to have an A lead that was 'double sold', and if it were, you can always apply for credits---I have already received nearly $100 in lead credits from bad leads with incorrect information on it.

Now, to get the brand new leads, they are about $27-$35/each depending upon your contract level, BUT they are quite easy to close.  Would you pay $30/lead to make about $300-$500 (or more) on one deal (not counting the back end $$$)??  I would, and I am!  The A1 leads are about $11-$12 and the A2 leads are about $5-$6.  There are leads as low as 10-cents if you want them!  Also, you are NOT required to buy any leads at all if you have a lot of family, friends, previous clientele from what you are doing now or what you did in your past.  Keep in mind that these leads are a legitimate business expense!

I have taken some of my commissions (aka--seed money) and have bought more leads---the newer ones.  If you re-invest some of your commissions to build your business, you will see results.  Again, I am not out there humping it at this time, but the more that I do it (holidays slowed me down), I am seeing results.  Again, I've made over $2000 in about 4-5 weeks + another 6-8 people wanting to see me fairly soon from the leads that I have already bought and spent about $425 on them thus far.

If you don't believe me, I understand---I was skeptical too (I have to be, as I currently don't have a lot of money like I used to).  The great thing about these policies is that they 'go with you' even if you sell or lose your home as they are designed for mortgage protection, but the money is still paid to your beneficiary, not the bank that owns your note!  These policies are easier for the consumer to qualify for than fully underwritten ones, and NAA even does Final Expense plans as well.  I have done a couple of these as well and they are even easier to qualify for!

Bottom line is, find an NAA rep that you trust and that will support you---I did and I STILL have never met my uplink, but I am happy that he stuck it out with me!  I will produce a LOT more this year and I am certain that by the end of 2013, I will do this Full-Time!  I even met a man at one of our local hotspot meetings a month ago...he was broke, lost his construction business in 2010, laid off 22 employees, filed Chapter 11 on his business, and now, he is making just over $200,000/year---crazy I know....but this is where I want to be!

If you have any questions for me at all on this, post on here with an email address and I will gladly contact you directly and provide you with my private information such as email, and phone numbers.  Sorry, I do not put my personal information out there---but if you at least put out your email address---I WILL contact you.   I'll even be happy to show you what a lead sent in looks like as well as commission statements.  I haven't made a lot of money YET with NAA, but I do see the results.

Stop bashing organizations that you don't know enough about yet without thorough research---trust me, there are a lot of BAD organizations out there, but this isn't one of those!  I am getting paid and I know others that are getting paid big time!

Hope to hear back from some of you and I will reach out to you!
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#7 General Comment

Not my expreience at all.

AUTHOR: Mike P. - (United States of America)

I live in N.J. and have been working with NAA since August 2012 and found non of this to be true. When I first started I was given plenty of older leads at no charge. They were reachable, local and sellable. I was given enough to set and see 6 to 8 people per week and sell a couple of them each week at an average commission of $600.00. Not bad for a part time job!    After a few weeks they asked me what I could budget weekly for some newer leads and I said $100.00. They gave me 5 A Leads per week plus plenty of older leads and I started seeing 10 to 12 clients per week and as my skills improved I began selling 3 to 4 weekly. Because I am giving them a return on their investment they are still supplying me with leads at no charge and I'm only spendig $150.00 per week on newer leads. I have more leads than I can use, I'm wrightng $4000. to $6000. almost every week in annual premium, now I'm @ a 65% commission and I'm now working full time.    I had no prior insurance exprience! Do the math 5,000x65%=$3250. per week. You are advanced 75% of that, the balance comes in month 10,11 and 12. With improved skills and increases in commission rate I'm sure I'll earn $150-$200,000.00 in my first full year.    Like anything else you get out based upon what you put in. I am working hard. I am spendin 40-45 hour per week selling and recruitng others because I believe in the opportunity. I have a few people working with me now, including my 24 year old son, and they're having simular success.
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#8 General Comment

You mailed it!

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

I am surprised that NAA is still around. My experience with them dates back to the spring of 2005. I have since moved on to much better markets that have become highly profitable and much more rewarding (besides financial) to me. Looking back at what has happened both locally and nationally since 2005, It is clear that just about all the NAA leads I received had to be sub prime borrowers and I am sure that most of those people I contacted (who were mostly in the older inner city neighborhoods) have lost their homes to foreclosure.

I know that the policies I did sell back then all lapsed around 2007 or 2008 as the foreclosure crisis reached its peak locally. I know that some of the people I saw were the types I didn't believe could qualify for any mortgage. In fact I drove by one of the houses a few years ago where I sold a policy back in 2005 and it had been boarded up and was obviously vacant for a long time. No doubt it was foreclosed. The policy lapsed around 2007 or 2008.

There are always flim flam artists going around selling the dream of instant or easy riches. But there are no easy or instant riches, especially in the insurance business. What surprises me more than anything is that NAA is still in business at all. I don't know why the state insurance department or the attorney general hasn't investigated this company and put them out of business.
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#9 Consumer Comment

Read for Yourself

AUTHOR: Unknown - (United States of America)

Interested in seeing some FACTUAL information? Read the attached link.
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#10 General Comment

I'm surprised that NAA is still around

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

Your report was great and very accurate. I haven't been on this board in a number of years but it is a very slow day today so I thought I would check out a few items from the past. I live on the same side of town as you do and I am surprised that they are still around. My experience with NAA was a brief bad experience back in 2005. The leads I ran and closed were almost all in the inner city neighborhoods. No doubt those mortgages were sub prime mortgages since I wondered how the people I was meeting could qualify for any mortgage. I was unaware of all those sub prime mortgages back then, but I had heard a little of how many people who couldn't ordinarily get mortgages were buying houses.

No doubt those homes have been foreclosed. I know that some of the people I did sell had lapsed their policies after a couple of years. I went by a couple of the houses where I had sold policies under NAA and the houses were boarded up. I think that by 2009 none of the policies I had sold through NAA leads was still on the books. When all the stuff came out about the sub prime mortgages going under and all the foreclosures in the inner city neighborhoods (where I saw a lot of the NAA leads and sold a number of them); I suspected that just about everyone I saw through NAA had one of those mortgages.

I have since moved on to another line of business in the insurance business where I am doing quite well. I do not have to depend on crooks and rip off artists like NAA to survive and actually have built a nice clientele and business. I still go into the inner city neighborhoods and have passed some of the houses where I sold a policy to a NAA lead and some of the houses have been torn down, many are boarded up.

I still occaisionaly get phone calls from NAA recruiters who must still be trolling old resumes and come across mine. I listen to their babble then quickly blow them off. With the collapse of the sub prime mortgages and with credit being tightened so much in recent years, who would be so dumb as to do any business with NAA?

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#11 UPDATE Employee

Naa leads

AUTHOR: jay smith - (United States of America)

Maybe $ 360 is a little low but your $1000 is not a real average! That is one of the numbers that is inflated to make the business look better than it is. It could be a great business however the leadership loves to pump up the numbers. This business will only produce a 100k income if your willing to cycle through people through recruiting and reselling leads to the new people. I wonder why you all talk how great the business is and I agree the program has some wonder this about it! Good leads when there good and not recycled. Good leads when mailed to the proper zip codes! Right now the mortgage leads are very limited! why not be real about! To make A 100K selling right now is not realistic in this market, That is why you are reselling the leads. The poor job market is what driving the growth!  NAA has lots o training and great companies to represent, The leadership is not honest and they do not walk the talk.. They prey on the weak!! Its sad because it could be a great program.. If you are issue paid 100k in NAA selling insurance you might net 50K after the leads bill and then you will have at least 25% in charge backs.. and that is being conservative in this market. The product is not to blame the current market is!  What saddens me if the leadership taking advantage of people through the up selling of programs like the president club and special seating at functions! Why not allow people to earn there way to those meetings and seating  by selling a certain amount.. I will tell you why ! because Andy makes alot of money off those programs.. Sound a lot like Amway before they kicked a bunch of crooks out of that business? Sounds like that to me.

If the program is so good then stop over selling it!!! Most of you involved will not be in the business in 2 years! You will have large credit card bills and lots of extra miles on your car and hopefully your wife will still be with you!   There is some creditable assets to the business it is just being ran out of control by the spirit of greed!   
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#12 General Comment

Naa leads

AUTHOR: jay smith - (United States of America)

I agree to a lot of what this guy said. The do double sell the A leads. I have proof. I have paid as much as $33 for an A leads only to find out another person in my group has the same lead. I even have had many leads sold to me 2 -3 times. I am not sure exactly what the percent. But My figures are showing some where around 25% of A leads purchased have been double sold. They are promised to be exclusive to you for 5 weeks. I tried to ignore that fact and just figure that if I average it out then the leads are $40,50,60 or what instead of $33. But when you start figuring in the people who have no checkbook or who thought it was free then it goes way up.. The system looks great and is great along with the companies that supply the product. The problem is the people who are involved and the leadership of NAA.. And the lies they tell! They keep there agent so busy with events that they do not know they are being robbed blind!! They call it  100k per year sales job and it could be true if they sold you honest leads. But they do not... If you take the top selling agent in the Womack Organization. I will not mention his name other then I heard his middle name was (Drop the Ball). He know how to sell to the poor old ladies and such. He stay near the top of the leader board every week. He has been issued paid around $130,000 this year! That sound great right?? But take into consideration the Womack Org is like the 3 largest in NAA and this guy is the top guy!! And now look at his lead bill. If your any good your lead bill will be around 25% of your issue paid per year. So 25% off of $130,000 is $97,500 Not bad until you take into account at least 25% in charge backs if your good! So now your at around $70,125 now take out the president club you must join at $3700 plus per year! Then gas and E&O insurance. Along with meeting and training cost .. You Might make $60,000 at best!! And this is one of the top guys in the country! He has tapes you can buy and the have him doing training etc..  Good luck with all that guys,, Run before its to late..
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#13 UPDATE Employee

Completely fasle.

AUTHOR: Roger - (United States of America)

The statements about NAA and Andy Albright are completely false. My husband I have been with NAA for 6 years, and could not be any more excited. We have gotten to know Andy and his wife, Jane, very well over the years, and have seen first hand, their genuine, heartfelt desire to help others win. The company does NOT make money selling leads, lol. They make money when WE sell insurance, AKA, protect families that have asked for the protection already.. Simply put, I am a COMPLETE product of the NAA system created by Mr. Albright, cash flowing $300K this year and winning 4 all-expense paid vacations, and absolutely will be forever grateful to him, and the NAA leadership for making this possible. Unfortunately for some, personal change is needed, and that tends to weed out the masses, which is who usually spends their precious time, creating these blogs. Hope they can learn to spot an "opportunity" when they see one!
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#14 UPDATE Employee

thats right NAA4life. this guys numer make no sense!

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

I have been selling with NAA for 8 months now and I never buy more then 10 A leads a week, and I usually close 3-4000 aweek of premium, which is about 14 apps per month which is around 1000-year per app average. I have never had
better ratios with any other lead. This guy is completely making up this stuff!

This business is tough and people of whimpy nature tend to come up with this crazy stuff!
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#15 UPDATE Employee

All I have to say is...WOW!

AUTHOR: Naa4life - (U.S.A.)

The title says it all! How in the world did you come up with your figures? The average sale is how much? You have go to be kidding! You must be in the backwoods if $360 is your average sale, or just not that good. Not every lead is a sale, but if you can't close 60-70%, then it's you. Maybe you need 73 leads per week, but I take 7. That cost me about $200 a week. Now my average app is about $1000, and yes you get advanced 80%, but that's the insurance companies rules, not NAA's. I just don't understand your math. If it's so bad, how do we have so many people making over a 100K every year? Who cares where the owner of the company came from. What does that matter? It's just ashame that there are people out there who believe the nonsense you are spewing! I've been with NAA for over 5 years and things have only gotten better...and continue to improve everyday. I'm sorry for your failure.
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