Ripoff Report Needs Your Help!
X  |  CLOSE
Report: #394918

Complaint Review: Dan CONrado/IPA - Independant Producers Of America - Southfield/Detroit Michigan

  • Submitted:
  • Updated:
  • Reported By: Flatrock Michigan
  • Author Confirmed What's this?
  • Why?
  • Dan CONrado/IPA - Independant Producers Of America Southfield/Detroit, MI Southfield/Detroit, Michigan U.S.A.

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

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
content.
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

For sales job seekers in the metro-Detroit area, beware of getting involved with Dan CONrado, of 'IPA', and 'ABBA' , acronyms for the health insurance marketing his company does. He has been recruiting new agents in the area since this past spring, (he has high turnover), always telling them what "great, real time 'leads' you'll get (meaning the prospect just expressed interest in health insurance in the last day or two), and that you'll be "saving people 20-40% on their health insurance rates".

Well, I worked with him for about 3-4 months, and the "leads" I was sent were typically from people a telemarketer had contacted anywhere from 3-4 MONTHS earlier - and the last batch I got were actually dated 2 FULL YEARS AND 1 MONTH EARLIER!!! - Of course, the great majority of these people can't even recall having spoken with anyone from 'American Business Benefit Association', (marketing arm of 'Independant Producers of America') months or YEARS ago - and have long since obtained health insurance if they really wanted it. You may have some luck in finding someone who wants to "compare" - but not usually. The fact that these company's won't advertise anywhere to gain name recognition doesn't help you reflect credibility either. YOU and your "walk and talk" is all they need for marketing, or so they say!

People are skeptical about agreeing to make monthly payments to an insurance company and trust them to provide 'hassle free' emergency medical care when it's a company they've never heard of!

What you will find yourself doing, after you're told about the "free, qualified leads weekly" AND PAY THE $285 'REGISTRATION FEE' to begin this "WONDERFUL OPPORTUNITY" -is out going door to door to small businesses and 'cold calling'. They aren't even set up to do 'group' policies for employees, and if THAT"S what an employer you talk to wants, it's a big hassle. Dan and the people at 'IPA'/'ABBA' like to call it "Walk and Talk" - sounds more fun that way, doesn't it! They begin recruiting meetings by talking MORE about their "great leads" with little mention of "prospecting" initially - and after you pay your "fee" you start to hear more and more about the art of "walk and talk", and about how "expensive" the leads are!! (They're supposedly working on getting better leads - at least that's what Dan and his wife Yvette say).

They've recently opened an office in the Southfield Town Center, and Dan is still advertising regularly on 'Career Builder'. Their health coverage actually seems pretty good, though not always so 'inexpensive' as they like to claim.

Also, their underwriter has A LOT of exclusions, and made about half the few prospects I managed to come into contact with "uninsurable". This may be the case with many insurers - but it doesn't help a 'commission only' sales agent make more sales. They have a seperate "gauranteed issue" policy for those folks, but the provisions are not nearly as good as full fledged insurance coverage.

Despite his big dollar figures he puts in his recruiting ads, you are still 'commission only' - and again, he and Yvette don't really paint you a very clear picture when you begin on this "ground floor opportunity".

Check into it if you like - but heed this forwarning, and proceed with caution. It can take you a LONG TIME to recover that $285! Many people seem to leave without ever achieving that! Michigan is a TOUGH market for this type of selling right now - keep that in mind, too.

Concerned citizen
Flatrock, Michigan
U.S.A.

This report was posted on Ripoff Report on 11/25/2008 10:41 AM and is a permanent record located here: https://www.ripoffreport.com/reports/dan-conradoipa-independant-producers-of-america/southfielddetroit-michigan/dan-conradoipa-independant-producers-of-america-misrepresents-door-to-door-sales-job-394918. 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

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Updates & Rebuttals

REBUTTALS & REPLIES:
0Author
4Consumer
0Employee/Owner

#4 General Comment

Greg Got scamed.

AUTHOR: Anonymus - (United States of America)

POSTED: Thursday, January 28, 2010

Hello Greg, If you got scammed let me know because if you got the whammy so did others. I would like to know more about how these scam artist operate. You got lucky that was all they got.

Respond to this report!
What's this?

#3 General Comment

Greg Got scamed.

AUTHOR: Anonymus - (United States of America)

POSTED: Thursday, January 28, 2010

Hello Greg, If you got scammed let me know because if you got the whammy so did others. I would like to know more about how these scam artist operate. You got lucky that was all they got.

Respond to this report!
What's this?

#2 Consumer Comment

To Concerned Citizen from Anywhere in Michigan...

AUTHOR: Careful Observer - (U.S.A.)

POSTED: Friday, February 27, 2009

I would like to contact you about questions I may have regarding this opportuniy with IPA I'm currently lookig into. Please provide your contact information (email?).

- Careful Observer

Respond to this report!
What's this?

#1 UPDATE Employee

Sounds like an angry agent who couldnt make it in the " be your own boss" industry?

AUTHOR: Concerned Citizen - (U.S.A.)

POSTED: Tuesday, December 16, 2008

Sounds like your a little bitter, huh Greg?

I have worked with Dan and Yvette for almost half a year now. Personally I have always thought they were great people and a joy to be around. As far as leads go, I generate my own, as well as using company leads. With any agency, company leads will only get you so far. I want to make $100,000+ this year, and to do that, I have been getting out and advertising and purchasing my own leads in addition to company leads.Dan and Yvette tell you up front that when you get going, 33% of your sales should be coming from company leads, 33% from self generated leads, and 33% from referrals if you really want to be successful. If you are happy making around $50,000 a year, you can live off of company leads. I want to be as successful as possible, so I do advertising and purchase my own leads, in addition to taking company leads. As far as leads expressing interest in insurance 2 full years ago, those reading this with insurance backgrounds know that these are RAL's, or Renewal Anniversary Leads. For those who dont know, Renewal Anniversary Leads are leads who got insurance a year or 2 or 3 ago, and are coming up for a renewal and rate increase. I personally have had great success with RAL's from the company. I value those very highly. As far as name recognition goes, did you know that there are more then 1800 insurance companys in the U.S.A.? How many of those can you name off the top of your head? As far as qualified, weekly leads goes, those that produce get the leads. Why would any agency give leads to an agent that isnt going to use them?? I have been the receipent of weekly leads, and every one has expressed at least some level of interest. They are something you earn, not something that is given to you.

Sounds like you didnt do a whole lot of producing, huh? There is a $285 appointment fee, but that is something you can make back with 1 sale. It must have taken Greg a while to get that 1 sale if it took him forever to get his money back. I apologize for that Greg but maby this is the wrong profession for you?

True we dont have a true group policy, but would you rather pay more for a group plan or save money by putting employees on individual plans? The health insurance we offer is great coverage, I know, because I have it. Rumor is that so do Dan and Yvette, as well as other agents. Every client I have talked to in my 6 months with IPA that had insurance, has told me that 1. the coverage I have offered them is alot better then what they currently have, or 2. my price is ALOT better for the same amount of coverage. Sometimes, they tell me both.As far as underwriting goes, every company, except for BCBS has roughly the same exclusions and underwriting guidelines. We, as agents, are trained to be field underwriters, and if your good at it, you will have no trouble with the companys underwriting department. I myself, have only had 1 exclusion with them in the 6 months I have been writing for them. Dan and Yvette, as well as IPA have always been good to me. And none of the agents I work with have a problem with them as far as I know. This opportunity is not for everyone. Some people, like my friend Greg, fail at the business and leave bitter. Alot of Sales has to do with your attitude and mindset. And some people just dont have the right attitude for the job. Its a shame when an individual fails at a job or profession, and then blames everyone but themselves. But hey, thats America. Land of the free, and home of the brave.

In closing, if you have any questions or concerns, I would love to hear them. feel free to contact me.

Respond to this report!
What's this?
Featured Reports

Advertisers above have met our
strict standards for business conduct.

X
What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

WATCH News
Segment Now