Independent Producers of America America's Business Benefit Association Ripoff Chandler, Arizona
Stay away! It’s a presentation, not an interview. You will get an email making you think you have been chosen. But when you get there, you will find yourself and 30 others sitting in an hour and half of presentation filled with bull crap. They will tell you that you will make $100k/year easy. You will not. You will be lucky if you make 6k. They will take your money, which is $285 and call it an “appointment fee” to sign you on as a 1099 contractor.
You have to pay for EVERYTHING out of pocket. You are on 100% commission. You will go for at least 8 weeks without making a penny while in training learning the products. You have to finish the REACH books that will take you about a week extra in order for you to be able to sell. They will tell you to come to a whole weekend of training and week night training and every Friday meeting, which is the same lies week after week after week.
Jenny Heafey and her husband Robert run the Arizona office in Chandler, and Monica Gambrel in Glendale, and will lie straight to your face to get your money. They will tell you that get advanced commission on six months and then get the next six months as earned or as customers pay their premium monthly. But you will never see the next six month.
So if you sell 40000 in AV (Annualized volume), which is the monthly premium of a sold policy times 12month to get that, and you make 17% in commission to start, you should see $6800 in commission. But what they do is give you half of that upfront when you sell and you NEVER see the other half. Trust me! I was with them for a year. They will tell you it is going to pay your debit account, because they are advancing you a loan and charging you 1% interest month in and month out. As long as you take advances, you debit account keep growing, and you growing more in debt. You will be in deep trouble owing money you do not have.
Jenny Heafey and her leadership team are good at sales. Recruiting is sales. They will sell you on joining there team. Do not fall for their lies. You will be a captive agent, which means you cannot sell any other products...you will meet so many people you cannot help simply because you do not have the products to qualify them into. Do not fall for the attractive idea of being self-employed. Not with this company. You are an employee of this company. They will terminate your contract if you do not have a sale in eight weeks. Trust me; eight weeks go by very quickly. You will not see your money back because they will not tell you that it is non-refundable.
You will pay for your gas to go to training. You will pay for your business cards and flyers. You pay for your networking events. You will pay to join chambers. Get the theme? And if you are making no money, you are losing money!
Hang around the office long enough, and then you will start seeing the disrespect displayed towards other agents. If you think they love you and care about you, think again. As soon as you start having issues, personal or not and cannot produce, or your production goes down, you are chopped.
Pretty soon you will see how unethical this company is, but take it from me, just do not lose everything you own like I did thinking I am building a business that will thrive. You will go broke before you make $10k/year if you work hard.
They will use you to brand their company. You cannot set yourself apart from your fellow agents, because everyone has the same business card and flyers, which are mandatory that you have to have and will not be able to produce your own without having to go through compliance. That takes about a year and then comes back totally not what you submitted, then it’s available to all the agents to use and only change their name on it.
This company is complete waste of time. If you really want to be self-employed and have the flexibility, there are lots of companies out there that you can contract with. Steer away from the trap of IPA/ABBA Americas Business Benefit Association.
Jenny Heafey is very selective on who she wants on her leadership team. Even though she makes it sound, It is not based on production and how hard you work and give your time to the company. It is based on who she likes. So do not fall for her statements of her promoting from within based on how much you give to the company but rather on favoritism. You can be gone for months without being productive, and if you come back and she likes you, she will promote you.
Invest your precious time elsewhere. There is no money here, just broke people.
The only person you will see making money and a decent living and even that is under $60k/year is the agent that work 12 hour days. She has no life and it is all her business. This person does not see here kids or spend any time with them even on a Saturday. If you are a parent don’t believe you will be able to work here, make money, and have a family life.