PLEASE READ AND BE AWARE OF NAA! I was approached by NAA, National Agents Alliance through a job search website. I was immediately impressed with the upline manager I got to know a little about. He promised all the things any agent wants to hear so I signed on with them. VERY SHORTLY AFTER it was impossible to get any help on the phone and the leads system, although free was a joke. I never wrote a piece of business with them.... I found out that their starting commision levels were very low and that I was essentially all alone in figuring everything out, so I went into the Health Ins market... Doing very well, btw.
I had an opportunity to get with a Life Ins company whom I have done very well with and upon receiving my commissions realized they were REALLY LOW, not the 60% starting commission I was promised. To make a long story short, I was still considered under NAA and was only getting their 28% comm. So I contacted the ins carrier and they stated all they needed was a TRANSFER letter from NAA. So I contacted NAA and the office was rude and would not provide me with a TRANSFER LETTER (very simple to provide by the way). So basically I am tied up for a year because I refuse to pad the pockets of a company such as NAA. GOOD NEWS IS, I am with a Life Ins company who does do what they say and does say what they do! PLEASE BE AWARE OF NAA! THEY ARE A SCAM!
I joined NAA after being molested by Principal Financial Group, Bank of America, Merrill Lynch and Morgan Stanley. My commission payout from those big name companies was 25-30% with no ownership in my book of business. The big companies also banned me for two years from being able to work in the industry in their territory. They believe business is business and I get that. They spent time trying to train me and support me with back office staff and online platforms and very critical and depressed management. They are ruthless unlike NAA.
NAA is just a bunch of regular often x Amway people looking to make some money selling to old reworked leads untill thay can afford to purchase new leads. Prety much the same as a green stock broker calling on recycled leads again and again. That pain is the right of passage in the financial services business.
I found NAA online, and after leaving the BIG BOYS of finance I looked for an organization that was a bit more friendly but still had clout in the financial services market.
Their webpage at NAAleads.com says:
"National Agents Alliance provides the perfect career opportunity for those who would like to increase their income potential with both up-front commissions and residual income."
OK, that sounded good to me. Upfront and residual. I like it! I joined and learned the following information:
ALL INSURANCE COMPANIES ARE MULTI LEVEL MARKETING SALES ORGANIZATIONS.
If you contract with an FMO, IMO, DMD, MGA, PPGA, you are in an MLM insurance company. Those are all acronyms for MLM marketing inside the United States insurance business. Field Marketing Organization, Insurance Marketing Organization, Master General Agent, Blah, Blah, Blah..... The levels go 10 deep for most. Allianz, F&G, Transamerica, Mutual of Omaha, Foresters, Great American, ING, American National, National Western, etc are all MLM.
When I was in Amway MLM I had a minimum monthly purchase requirement. With NAA there is no quota or monthly fee for membership. It is not a real MLM from that stand point. You just give up some of your commission on each sale. You get that back as you build a team and get promoted. Working at any insurance agency you would have had to do that anyway and probably have a desk fee.
Captive agents at a brokerage firm get really screwed so NAA is not a bad place to work in comparison. At a big name firm you get a low contract under the MLM system and then the brokerage firm puts it on the production grid and knocks it down another 75% and then eliminates bonuses etc when you fail.
Most independent agents however try to escape that big brother system and take an MGA or PPGA contract called the STREET LEVEL CONTRACT. It is often paying 80-100% of 1st year commissions but then they have no support and have to pay for all of their help and go purchase an executive suite and a yellow page add and web page. No one is available to watch for errors or help teach compliance or help negotiate lower rates for E&O. There is no time for selling because everything is administrative.
Independent agents with a poor marketing group (FMO or IMO) hand all of the up line commissions to the Field Marketing Organization and then get nothing back except an occasional mug or envelope opener. The trips are available from the insurance company not the IMO-FMO upline usually. Some marketing groups will take you on an incentive trip if you are a top dog because you made them an extra bonus.
With NAA it was slightly different. They have mailing programs and offer free leads to beginners. The NAA system is the best one for a new agent or an old dog agent wanting back into the business. It is awesome for part timers too! The free leads are mostly reworked and they tell you that on each lead. It is marked as called 1 time or 3 times etc. There is money in the reworked leads if you call them enough times. The older one are awesome too because people need upgrades and you can find those in the list all the time. The average sale nets about 400 dollars but you have to work too find the money. The money is there for sure however compared to the wire house leads I would call back in the day. The NAA leads take way less work to close that standard recycled leads. One in the home a one call close is the norm. I worked recycled leads cold at Merrill and Morgan Stanly for years and those leads were bad, bad, bad….
All of the NAA leads at least had the client’s signature on them requesting information and you can close them if you are a salesman but few people are sales people. Most of us want to be order takers. Go work in a call center hell if you want to be an order taker. Your numbers will be bad there too if you can’t sell.
NAA has an awesome back office and education system. They are there for you if you work. If you can’t sell and wont go to the training meetings you are going to fail! The same goes true with the wire houses but they will fire you where you will just drop out of NAA if you suck as a sales person.
Right off the bat NAA told me the reworked leads were free on a limited basis. If I wanted more leads then I needed to purchase them. There are not enough home sales in many counties to provide new leads to one thousand insurance agents so Mortgage Protection Leads are reworked even when they are fresh. Other agents caught them when they were moving in half the time. It is a hard market but you can make money. You need to learn to sell and few people can close a deal if it is not a laydown.
FRESH leads cost money. When I had 100% contracts and paid 5000 dollars to a mail house for a 1% response rate I was out of pocket $50 dollars per lead on average. With NAA they let you get something called a GMR. That means they take the risk of mailing for you and you only pay for the yield not the full mailing. Your lead cost will drop big time when you do that.
The NAA back office and training is brilliant. They have an online interface that is a dream to work with. In terms of residuals and commission haircuts. That money is spread out among the MLM up line just like any other marketing organization in insurance does. The difference is that as you bring people into the biz you get to share in that pot of money and it is massive! If you are not in NAA or insurance in general to build an agency you will work hard all of your days with little to show for it. With NAA you need to start with the intention of recruiting so you can get the residuals right away! To be an manager anywhere else you need to fight for the interview and get one of the coveted spots. With NAA everyone can be a manager from the beginning making at least 5% on their down line and as they progress they will earn 10X that figure. It is an awesome way to spread the wealth and everyone can participate not just the coveted agency mangers.
Mutual of Omaha, Foresters, Transamerica etc all love NAA as a marketing organization. As for Andy Albright being a redneck money making CEO? Yes he is and good for him. He also shows the path that those who work earn and those who kind of work kind of earn.
If you want real contract hell, real hard work, real low pay, and real compliance nightmares then get a job with a bank or major wire house. You will be begging Albright for a job again. He is a business man and every contract is clear. Learn to sell. Enjoy the lead system and better yourself so you can close the sale. NAA in no cake walk but they are better than most insurance marketing up line agencies. Get out and recruit if you want residual income and overrides. That is what you would have to do as an agency manager at Prudential or MetLife but you would never get that job as you need an amazing resume and killer instinct and no self-respect.
NAA is hard work as is any financial services job. Work sucks. That is my complaint!
I came aboard with The Alliance on 5/24/2023 and there's been poor communication from my upline (Jared and Rachel Doucette) from the start. To start, I was initially contacted by an "appointment setter" asking me to set up a phone interview for the next day. I replied in the affirmative and welcomed the opportunity to discuss what The Alliance had to offer. The appointment was set for the next day 5/18/2023. The next day arrived and I made sure I was available and I was by my phone anticipating the call. I waited a total of 45 minutes by my phone and no one ever called me. The next day the same "appointment setter" called me and apologized. He tells me that Rachel said she tried to call, which I know isn't true and I can prove. I reluctantly accepted an invite to reschedule and booked a phone interview for 5/22/2023 at 10:10 A.M. The appointment time comes and I hear nothing until finally at 10:51 Rachel manages to call. The interview was brief and not many questions were asked that I expected a hiring manager to ask. I reluctantly decided to give The Alliance a chance in spite of the rocky start. So I did an onboarding and a Zoom meeting was set up for 6/07/2023 with Jason Mathis. In the time leading up to the 6/07 meeting, I never heard one thing about what the next steps were. I was sort of sitting in limbo so to speak. The 6/07 meeting proceeded as scheduled, he gave me an overview of who they were. He then asked me about an email that was supposedly sent to me by Gabriela who did the onboarding. I didn't have a response, and Jason made the remark that based on the look on my face, you didn't receive it. To which I replied in the affirmative. Then someone named Wolf Vargas who was also a part of the Zoom meeting sends me an email with a "to do list". I go through the list to get everything done. I got hung up on the part where I had to get some pictures and a bio for the ATM. The to do list said to open the attached ATM template, and that only page 2 & 3 need editing. I clicked on it to open it up and nowhere did I see any option to edit the template. I made several attempts to edit the template to no avail. I finally called Rachel to ask how I edit the template, to which she replied, send me pics and a bio, and I'll take care of it. This was on 6/12/2023. I didn't get a response back until 6/19/2023, and that response didn't come with a completed template. She then asked in the response if I was ready for an agent ride along, and to call and schedule one. I called and said I was eager to do a ride along. I have yet to hear anything about an agent ride along. On 7/10/2023 at 12:06 P.M I got a call from Jared. Jared asks me how I am doing, to which I reply that I'm not doing all that great. I voiced my concerns about the lack of communication and told him about not being able to edit the ATM template. I also told him about not being able to get an agent ride along. He told me to reach out to him from now on, and his solution was to add me to a Whatsapp group chat. He also told me to send him the pics and bio for the ATM. Which I emailed him the very same day. I haven't even so much as received a response from him. No response regarding the ATM template or the agent ride along. I texted both Jared and Rachel on 7/14/2023 asking about getting a release, as of today 8/05/2023, I have yet to receive a reply. You would think that if you recruited an agent, you would want to make sure that he/she is properly orientated and knows what's going on. At this point I am extremely confused, and I am also extremely frustrated. This pretty much sums up my experience with The Alliance thus far. If you're newly licensed and someone from "The Alliance" calls and tries to recruit you, run the other way!
NAA IS ONE OF THE FEW COMPANIES THAT REFUSES TO RELEASE THEIR AGENTS FROM THEIR CONTRACTS. THERE IS NO REASON WHY THEY SHOULD HOLD YOU HOSTAGE WHEN THEY CAN SIGN A RELEASE. BE CAREFUL IF YOU JOIN YOU WILL NOT GET RELEASED, AND YOU WON'T EVEN GET THE COURTESY OF A REPLY.
I am a licensed Life Insurance agent and was introduced to NAA(National Agents Alliance) when I recieved an email from Mia Fennel. I was told they had leads that i had to purchase but had leads for Mortgage Protection and Final Expense. I was told I had to move contracts and get appointed with some of there approved companies. I went ahead and moved some contract with NAA like Mutual of Omaha, Foresters and a couple others, I was never told that if you want to leave they will not release your contracts since this is an independant contrator postion. I was not able to get Mortgage Protection Leads as others already were recieveing them in my area, I did get Final Expense Leads at a very High Cost and found it not productive.
It turns out this was not a good fit for me and chose to leave and took a postion with a great company. I had to move my Mutual Of Omaha contract as I needed that for my new postion. My new company submitted contracting to Mutual of Omaha and provided a new agent number. I later came to find out that once I submitted 2 criticall Illness policies that this was still under NAA. I than contacted NAA contacting department and recieved an email that NAA does not release agents, since I did not write business with Mutual of Omaha since i was with NAA i could move my Life, LTC, and others as of 8/1/2021 but not the critical Illness since i just wrote business and now would have to have NAA sign a release for that contract of wait until 1/2022.
I contacted Pam Slaydon contracting Manager by email since I called several times with NO return call. Her email to was short and cold that we do not release agents. I them wrote back that I have a new postion and need the critical Illness portion released as this could effect my position and this is how i support my family and since everything else with Mutual of Omaha was going to move over as of 8/1/21 and i would not be writing anything uner NAA what is the point to keep my contract hostage, and NAA has agents get releases all the time from other companies. It is a typical customery practice that companies release you as they all need this to happen.
I could never get anyone on the phone or to respond to an email. I than call Terry Edwards who was my direct upline and always very nice when it comes to bringing you on since that benefits him but for him to do something that has no positive gain for him I recieved a message that he could not help try contacting. Funny how when there is nothing it for someone all of sudden he cant do anything but when things are reveresd he would bend over backwards to get a contract.
I sent Andy Albright several messages who is the owner of the company with NO response once again. I was now stuck in a postion not able to have a conversation about this matter. My voicemails were are very nice and simple stated lets talk about this situation and see if we can resolve this as it impacts me greatly and still just ignored.
So my advice is NEVER EVER DO BUSINESS WITH NAA as an agent or consumer they have 0 integrity
I posted my resume on Monster.com. I received a response from "Moderator Paul Roberts" about being a mortgage protection consultant for VG Financial which is a branch of The Alliance. I replied with interest to which my information was transferred to Shamitra Venters. She emailed me pay rate, job duties etc about the company. She then called a couple days later to get some information from me and to set me up to attend a training. I chose to go to the one in Corona, California which is about a 90 minute drive from where I live. The next day she texted me the address. Before I left to go to Corona, I looked up the address on the internet and was surprised to see that it was residential. Red flag. I double-checked the address to make sure because I was expecting to see an office building. It was the same exact address she texted me. Against my better judgement, I went anyway thinking that for this type of job, surely there would be other people there, especially after they said they were swamped and needed extra help. Well, I arrived 20 minutes early. The GPS directed me to a gated residential community. Another red flag. The only contact information I had was the number Shamitra Venters texted me from. I texted that number to let them know I had no way of getting in because it's gated. No response. A car comes behind me and opens the gate, so I drive through the gate, and the GPS continues to direct me to the address. I get there and its a quiet, suburban neighborhood. There was only one car in the drive way. Third red flag. I sat there thinking. Since I was very early, I thought well maybe no one else has arrived yet. I texted my fiance the address where I was located just in case.......Five minutes before the scheduled training time, I get out of my car and ring the bell. No one answers. I go back to my car, and I call the number Shamitra Venters texted me from. She did not answer, so I left a message asking if she was sure she gave me the correct address, no one answered the door, etc.. I waited another 5 minutes, and decided that to try one more time. I rung the bell, and heard a sound as if someone was listening, and then a click on the buzzer as if someone hung up. I head back to my car and leave. By the way no other car showed up.
I will not post the address that I was sent to because this could have been an innocent person whose address was used.
I am confused as to what happened. I don't know if I was duped or what. Shamitra Venters has not responded to my text or voicemail which leaves me thinking that I was duped because if it was an honest error on her part in giving me the wrong address, she surely would have owned up to that and I would have accepted her apology. I just find the whole ordeal to be strange. This is not an attack against Shamitra Venter's character because I don't know her. I just don't understand why I was sent to a residential address to which no one answered the door.
I will add this: I've had dreams that have revealed things to me about events that will take place and about people. Many of my dreams are very revealing. The night before I was to go to Corona, I had a bad dream about this company. I don't remember any details about the dream, but I woke up not feeling good about going to the training. I guess that was another red flag I ignored.
This is a lesson to me: Listen to your gut feeling, and if something doesn't feel right, it isn't right!
BEWARE!!! If you are seeking employment with a resume posted on Monster.com BEWARE!!!
i WAS Solicited for a position by The Lampe Company, LLC, Loan Pham, stating this is a great employment opportunity, flexible scheduling, can work part time, all leads are provided FREE!!! The cost of licensing would be reduced to just $49.00 from the usual $200.00.
I provided my name and information (SOCIAL SECURITY NUMBER, TELEPHONE NUMBER, HOME ADDRESS) to get an "insurance agent's" license in the state of Texas.; Instead I received an email with directions to go to a website for NAA. I had received a PIN or pass number to get in. Basically you are being scammed into completing a few entries in the website, and then you are being asked to finish and sign. If you do not open the PDF and carefully read you have been scammed. Everything in this 15 page "AGENT AGREEMENT" is only for the benefit of SUPERIOR PERFORMERS, INC™. d/b/a, a Virginia corporation having its primary place of business in North Carolina (“NAA®”).
As their independent agent you pay for leads, provide your Errors & Omissions Insurance, promise to pay them back for each and every lead or anything they consider they have done for you, which is basically nothing.
After reading contract, the solicitation telephone call describing the employment opportunity was totally different than what is in the contract, I immediately went to an email from The Alliance [email protected] via aweber.com and entered UNSUBSCRIBE. They asked why I wanted to unsubscribe, I entered the following:
Solicited for a position by The Lampe Company, LLC and after reading contract, the solicitation telephone call describing the employment opportunity was totally different than what is in the contract. I have not signed the contract and do not intend to do so. Please remove my name from all future emails regarding Superior Performewrs, Inc. d/b/a National Agents Alliance (NAA), The Lampe Company, LLC, and all of NAA's Affiliates, including without limitation Pro Data Research®, LLC and K.I.T.® Marketing, LLC,
I AM NOT INTERESTED IN THIS EMPLOYMENT OPPORTUNITY THAT APPEARS TO BE A SCAM.
nationalagentsalliance.com/
lampecompany.com/
For those of you who are not SAVVY enough to pull up the "AGENT AGREEMENT" here are the first three pages:
AGENT AGREEMENT
THIS AGENT AGREEMENT (this “Agreement”) is made and entered into effective as date written
next to the Independent Contractor’s signature below, by and between SUPERIOR PERFORMERS, INC™.
d/b/a, a Virginia corporation having its primary place of business in North Carolina (“NAA®”) and the
individual or entity executing the agreement as set forth below (the “Independent Contractor”).
WHEREAS, NAA® and Independent Contractor are engaged in forming and maintaining a
cohesive marketing organization for the sale of insurance products; and,
WHEREAS, NAA® has obtained the rights to be an independent marketing organization or
managing general agency for Contracted Insurance Companies (as defined below);
WHEREAS, NAA® is willing to permit the Independent Contractor to engage in sales of products
of the Contracted Insurance Companies, subject to the terms of this Agreement and the requirements of
such insurance companies;
WHEREAS, NAA® is engaged in activities or is a party to contracts which require maintaining the
confidential nature of certain activities and information so as to properly perform under said contracts
or so as to maintain NAA®’s competitive advantage in the marketplace; and,
WHEREAS, the Independent Contractor will have access to or knowledge of the confidential
information regarding NAA®’s business activities or confidential information used in NAA®’s business
activities or confidential information used in NAA®’s business or industry; and
WHEREAS, NAA® desires to make Independent Contractor aware of the confidential nature of
these activities and the information and to obtain from Independent Contractor a commitment not to
disclose any confidential information, except as provided in this Agreement; and
WHEREAS, NAA® has an investment in its client, vendor, independent contractor, and employee
relationships, and these relationships are necessary and important to the continued success of its
business; and
WHEREAS, the Independent Contractor is prepared to acknowledge the pre-existing nature of
these relationships and to refrain from interfering with or disturbing these relationships to the
detriment of NAA®.
NOW THEREFORE, in consideration of (i) a contract to sell the products of the Contracted
Insurance Companies through NAA®’s relationship with such companies, (ii) marketing incentives from
time to time made available by the Contracted Insurance Companies through NAA® for a limited time
period, (iii) access for a limited time period to marketing tools and services (including, but not limited to,
leads, NAA®’s website use, etc.) and (iv) other new good and valuable consideration, the receipt and
legal sufficiency of which is hereby acknowledged, it is hereby agreed as follows:
1. Compliance with Laws and Regulations. The Independent Contractor shall comply with all federal,
state and local laws, regulations and rules applicable to the Independent Contractor’s solicitation of
insurance products, and all rules, policies, procedures, and standards which are provided to the
1 V006
Independent Contractor by a regulatory agency, NAA® or by any NAA® Contracted Insurance
Companies.
a. The Independent Contractor shall hold the appropriate insurance license(s) in the state of
solicitation and in the state where the application is signed prior to submitting an application for
insurance to NAA® and shall maintain such license(s) in good standing at all times during the
term of this Agreement.
b. The Independent Contractor shall complete pre-contracting or appointment paperwork with the
NAA® Contracted Insurance Companies prior to soliciting the sale of a product, if required.
c. The Independent Contractor shall not alter, modify, waive, or amend any of the terms, rates or
conditions of any advertisement, brochures, applications, policies, contracts or other material of
provided to the Independent Contractor by NAA® or any NAA® Contracted Insurance Companies
unless submitted and approved in writing by NAA® and/or the NAA® Contracted Insurance
Companies. The Independent Contractor shall not create any material that references NAA® or
NAA® Contracted Insurance Companies unless submitted and approved in writing by NAA®
and/or the applicable NAA® Contracted Insurance Companies.
2. Lead Purchase Program. NAA®, by itself or through its Affiliates, has developed a lead program (the
“Lead Program”) for qualified members of its associated insurance agents to buy leads from NAA® or
its Affiliates for use solely in connection with the sale of insurance and recruiting insurance agents
for NAA® Contracted Life Insurance Companies (solely within or pursuant to NAA®’s contract with
those insurance companies).
a. Request for Leads; GMR™. By agreeing to this Agreement, the Independent Contractor requests
NAA® to supply it with leads at the rate assigned to the applicable commission level at the time
of receipt of such leads and in the geographical area(s) described in any geographical mailing
request (“GMR™”) which shall be a part of this Agreement. Independent Contractor may
change the geographic territory for requested leads by completing a new GMR™ request form
and submitting it to NAA® or its Affiliate, as applicable. The other terms of this Agreement shall
not be modified by the submission of a new GMR™.
b. Diligent Use of Leads. Independent Contractor agrees to best efforts to work and solicit the
number of leads requested on a weekly basis and to ensure that any leads provided to the
Independent Contractor or Independent Contractor down-line agents are diligently and legally
solicited.
c. Limited Use of Leads. Independent Contractor agrees and understands that all leads provided to
it or to its down-line agents must only be used (i) to sell insurance or products authorized by
NAA® through NAA® or NAA® Contracted Life Insurance Companies or (ii) to recruit insurance
agents to sell insurance or products through NAA® Contracted Life Insurance Companies (solely
within or pursuant to NAA®’s contract with those insurance companies). Independent
Contractor further agrees and understands that if it uses leads from the Lead Program to sell
insurance or products or recruit agents for any other insurance company, insurance agency, or
other person entity or entity, then NAA® may demand or require the termination of the
Independent Contractor’s contract with the Contracted Insurance Company and may terminate
this Agreement. NAA® may further recover all commissions earned on such sales.
2 V006
d. NAA® to Supply Leads. NAA®, by itself or through its Affiliates or contractors, agrees to use
commercially reasonable efforts to make available to Independent Contractor leads on a weekly
basis so long as such leads are available and Independent Contractor is in compliance with the
terms of this Agreement.
e. Payment for Leads; Default. Independent Contractor agrees to pay for each lead received by it
(exclusive of any free leads that may be provided by NAA® from time to time), including any
associated charges assessed by NAA® or its Affiliates from time to time relating to the Lead
Program, as detailed in an invoice, on the scheduled date and via the payment method
authorized by the Independent Contractor. In the event of default on my obligation to pay
NAA® or its Affiliate, Independent Contractor shall be responsible for and promptly pay (i)
interest on the amount owed at the rate of 1 and ½ percent (1.5%) per month or the highest
legally permitted rate, whichever is lower; and (ii) NAA®’s costs of collecting such debt, including
without limitation, reasonable attorneys’ fees.
f. Guarantee of Down-line Agents Debts to NAA® and its Affiliates. Independent Contractor agrees
to pay all override charges for leads received by Independent Contractor’s down-line agent’s
share of any lead costs should that agent fail to pay for such lead costs. Independent Contractor
agrees to guarantee payment and performance of its down-line agents Agent Agreements with
NAA® and obligations of payment to NAA® or its Affiliates, including without limitation, lead
costs, interest, attorneys’ fees and collection costs. This is a guarantee of payment and not of
collection. Thus, NAA® is not required to pursue any remedy form any other person before
seeking payment from Independent Contractor under this agreement. Independent Contractor
will remain obligated to pay on this guarantee even if the down-line agent’s obligations are
discharged in bankruptcy. Independent Contractor agrees that NAA® may modify the
obligations of the down-line agents without any notice to me and such modifications shall not
affect Independent Contractor’s obligations under this guarantee.
g. Withdrawal from Lead Program. Independent Contractor may withdraw from the Lead
Program with thirty (30) days prior written notice to NAA®, with or without cause. During the
thirty-day period, Independent Contractor agrees that it will be responsible for the cost of leads
distributed to it, for its share of the cost of leads distributed to its down-line agents, and for any
uncollectible lead charges accumulated by its down-line agents. Independent Contractor
understands that Independent Contractor will continue to be charged for leads issued to it and
its down-lines during this thirty day period. A withdrawal from the Lead Program shall not
constitute a termination of this Agreement.
h. Termination by NAA®. NAA® may terminate or suspend Independent Contractor’s participation
in the Lead Program upon written notice by NAA®, with or without cause. Independent
Contractor further understands and agrees that it is not entitled to participate in the Lead
Program if any of the Independent Contractor’s contracts with any NAA® Contracted Insurance
Company is terminated, if its license to sell insurance is suspended or revoked, or it it defaults
on any its obligations in this Agreement. Independent Contractor understands that it is
obligated to pay for all leads billed or received prior to and for a period of not more than thirty
(30) days following the termination of Independent Contractor’s participation in the Lead
NAA is a group of Insurance Agents, who recruit other agents to come into the Life insurance business like a multi-level-marketing system. The Agents who recruit, are not honest, and don't give you the truth of what to expect from, their system. They actully out right lie, and hope you will stick! If you are an Agent, do not get involved with these sharks! It will take you forever to get rid of them. Secondly, as agents they are interested in one thing, and that is their commission, not the customers they serve. They will sell a policy to someone, that is expensive, when they could sell one that is fully underwritten, which would be much cheaper for their customer. They go against the Ethics they have sworn to adhere to, when they became Insurance Agents. Stay away from these people if you value honesty, integrity, and your money!
There is a reason why there are so many complaints against National Agents Alliance (NAA). Reputable companies don't have a lot of complaints at this website so that should give you a clue about NAA.
I do not have an axe to grind with NAA. In fact, I worked for them about 3 years ago as an agent. My reason for filing this complaint is to alert the publice and, hopefully, educate and warn others not to join NAA.
As stated, I was an agent with them in Myrtle Beach, S.C. about 3 years ago. A fellow named Adam from Wilmington, N.C. was our upline head. There are several things about NAA that bothered me.
First, it struck me as a cult. I recall going to Burlington, N.C. to sit in the audience of a live telecast featuring Andy Albright. I found it disturbing that the audience treated him like a god and that everything he said as a devine revelation.
Second, as an agent, you were encouraged to buy books from the company that Andy recommeneded. And, of course, you were highly recommended (pressured) to read his revelatory books. It just seemed so much like a cult.
Then, there were the leads. You coudln't make money unless you did appointments and this required leads which you had to buy. Often times, the leads were old and outdated and totally useless.
I recall having bought leads leading up to Christmas and was stuck with a lot of outdated leads. I didn't have enough money to buy my kids gifts for Christmas. I asked for a refund on the leads and was told by the corporate office in Burlington that I had to get permission from my upline. Well . . . my upline all voted "no" to my refund request. I'll never forget it. I never did get my money back for the useless leads.
You were expected to pay for everything. Even, after a certain point, NAA expected you to pay for the training. They don't give you a draw as other insurance agencies do, they pay the lowest commissions and will have you draining your bank account viz a viz buying the recommended books, paying for leads, gas, food and other travel related expenses. Plus, with their long meetings, it is a real drain on your time.
I remember bumping into an old friend of mine in Wilmington, N.C. while I was in NAA. He laughed when I told him that I was with NAA. He told me he and his wife used to be with NAA, sold some policies but got out later for the same reasons I'm stating here. He said that everyone he knew that started with him was no longer with NAA. Now, he and his wife have very successful businesses not in the insurance field.
The reality is that NAA appeals to your greed to suck you into thinking you're going to make a lot of money but the only one getting rich is Andy Albright from the sale of leads and books. I no longer am involved in selling insurance but, if insurance is something you want to do, go seek out another agency. There are far better insurance agencies out there with better commissions and lower out of pocket expenses than NAA. Plus, they operate like a business and not a cult. Good luck.
National Agents Alliance Reviews
PLEASE READ AND BE AWARE OF NAA! I was approached by NAA, National Agents Alliance through a job search website. I was immediately impressed with the upline manager I got to know a little about. He promised all the things any agent wants to hear so I signed on with them. VERY SHORTLY AFTER it was impossible to get any help on the phone and the leads system, although free was a joke. I never wrote a piece of business with them.... I found out that their starting commision levels were very low and that I was essentially all alone in figuring everything out, so I went into the Health Ins market... Doing very well, btw.
I had an opportunity to get with a Life Ins company whom I have done very well with and upon receiving my commissions realized they were REALLY LOW, not the 60% starting commission I was promised. To make a long story short, I was still considered under NAA and was only getting their 28% comm. So I contacted the ins carrier and they stated all they needed was a TRANSFER letter from NAA. So I contacted NAA and the office was rude and would not provide me with a TRANSFER LETTER (very simple to provide by the way). So basically I am tied up for a year because I refuse to pad the pockets of a company such as NAA. GOOD NEWS IS, I am with a Life Ins company who does do what they say and does say what they do! PLEASE BE AWARE OF NAA! THEY ARE A SCAM!
I joined NAA after being molested by Principal Financial Group, Bank of America, Merrill Lynch and Morgan Stanley. My commission payout from those big name companies was 25-30% with no ownership in my book of business. The big companies also banned me for two years from being able to work in the industry in their territory. They believe business is business and I get that. They spent time trying to train me and support me with back office staff and online platforms and very critical and depressed management. They are ruthless unlike NAA.
NAA is just a bunch of regular often x Amway people looking to make some money selling to old reworked leads untill thay can afford to purchase new leads. Prety much the same as a green stock broker calling on recycled leads again and again. That pain is the right of passage in the financial services business.
I found NAA online, and after leaving the BIG BOYS of finance I looked for an organization that was a bit more friendly but still had clout in the financial services market.
Their webpage at NAAleads.com says:
"National Agents Alliance provides the perfect career opportunity for those who would like to increase their income potential with both up-front commissions and residual income."
OK, that sounded good to me. Upfront and residual. I like it! I joined and learned the following information:
ALL INSURANCE COMPANIES ARE MULTI LEVEL MARKETING SALES ORGANIZATIONS.
If you contract with an FMO, IMO, DMD, MGA, PPGA, you are in an MLM insurance company. Those are all acronyms for MLM marketing inside the United States insurance business. Field Marketing Organization, Insurance Marketing Organization, Master General Agent, Blah, Blah, Blah..... The levels go 10 deep for most. Allianz, F&G, Transamerica, Mutual of Omaha, Foresters, Great American, ING, American National, National Western, etc are all MLM.
When I was in Amway MLM I had a minimum monthly purchase requirement. With NAA there is no quota or monthly fee for membership. It is not a real MLM from that stand point. You just give up some of your commission on each sale. You get that back as you build a team and get promoted. Working at any insurance agency you would have had to do that anyway and probably have a desk fee.
Captive agents at a brokerage firm get really screwed so NAA is not a bad place to work in comparison. At a big name firm you get a low contract under the MLM system and then the brokerage firm puts it on the production grid and knocks it down another 75% and then eliminates bonuses etc when you fail.
Most independent agents however try to escape that big brother system and take an MGA or PPGA contract called the STREET LEVEL CONTRACT. It is often paying 80-100% of 1st year commissions but then they have no support and have to pay for all of their help and go purchase an executive suite and a yellow page add and web page. No one is available to watch for errors or help teach compliance or help negotiate lower rates for E&O. There is no time for selling because everything is administrative.
Independent agents with a poor marketing group (FMO or IMO) hand all of the up line commissions to the Field Marketing Organization and then get nothing back except an occasional mug or envelope opener. The trips are available from the insurance company not the IMO-FMO upline usually. Some marketing groups will take you on an incentive trip if you are a top dog because you made them an extra bonus.
With NAA it was slightly different. They have mailing programs and offer free leads to beginners. The NAA system is the best one for a new agent or an old dog agent wanting back into the business. It is awesome for part timers too! The free leads are mostly reworked and they tell you that on each lead. It is marked as called 1 time or 3 times etc. There is money in the reworked leads if you call them enough times. The older one are awesome too because people need upgrades and you can find those in the list all the time. The average sale nets about 400 dollars but you have to work too find the money. The money is there for sure however compared to the wire house leads I would call back in the day. The NAA leads take way less work to close that standard recycled leads. One in the home a one call close is the norm. I worked recycled leads cold at Merrill and Morgan Stanly for years and those leads were bad, bad, bad….
All of the NAA leads at least had the client’s signature on them requesting information and you can close them if you are a salesman but few people are sales people. Most of us want to be order takers. Go work in a call center hell if you want to be an order taker. Your numbers will be bad there too if you can’t sell.
NAA has an awesome back office and education system. They are there for you if you work. If you can’t sell and wont go to the training meetings you are going to fail! The same goes true with the wire houses but they will fire you where you will just drop out of NAA if you suck as a sales person.
Right off the bat NAA told me the reworked leads were free on a limited basis. If I wanted more leads then I needed to purchase them. There are not enough home sales in many counties to provide new leads to one thousand insurance agents so Mortgage Protection Leads are reworked even when they are fresh. Other agents caught them when they were moving in half the time. It is a hard market but you can make money. You need to learn to sell and few people can close a deal if it is not a laydown.
FRESH leads cost money. When I had 100% contracts and paid 5000 dollars to a mail house for a 1% response rate I was out of pocket $50 dollars per lead on average. With NAA they let you get something called a GMR. That means they take the risk of mailing for you and you only pay for the yield not the full mailing. Your lead cost will drop big time when you do that.
The NAA back office and training is brilliant. They have an online interface that is a dream to work with. In terms of residuals and commission haircuts. That money is spread out among the MLM up line just like any other marketing organization in insurance does. The difference is that as you bring people into the biz you get to share in that pot of money and it is massive! If you are not in NAA or insurance in general to build an agency you will work hard all of your days with little to show for it. With NAA you need to start with the intention of recruiting so you can get the residuals right away! To be an manager anywhere else you need to fight for the interview and get one of the coveted spots. With NAA everyone can be a manager from the beginning making at least 5% on their down line and as they progress they will earn 10X that figure. It is an awesome way to spread the wealth and everyone can participate not just the coveted agency mangers.
Mutual of Omaha, Foresters, Transamerica etc all love NAA as a marketing organization. As for Andy Albright being a redneck money making CEO? Yes he is and good for him. He also shows the path that those who work earn and those who kind of work kind of earn.
If you want real contract hell, real hard work, real low pay, and real compliance nightmares then get a job with a bank or major wire house. You will be begging Albright for a job again. He is a business man and every contract is clear. Learn to sell. Enjoy the lead system and better yourself so you can close the sale. NAA in no cake walk but they are better than most insurance marketing up line agencies. Get out and recruit if you want residual income and overrides. That is what you would have to do as an agency manager at Prudential or MetLife but you would never get that job as you need an amazing resume and killer instinct and no self-respect.
NAA is hard work as is any financial services job. Work sucks. That is my complaint!
I came aboard with The Alliance on 5/24/2023 and there's been poor communication from my upline (Jared and Rachel Doucette) from the start. To start, I was initially contacted by an "appointment setter" asking me to set up a phone interview for the next day. I replied in the affirmative and welcomed the opportunity to discuss what The Alliance had to offer. The appointment was set for the next day 5/18/2023. The next day arrived and I made sure I was available and I was by my phone anticipating the call. I waited a total of 45 minutes by my phone and no one ever called me. The next day the same "appointment setter" called me and apologized. He tells me that Rachel said she tried to call, which I know isn't true and I can prove. I reluctantly accepted an invite to reschedule and booked a phone interview for 5/22/2023 at 10:10 A.M. The appointment time comes and I hear nothing until finally at 10:51 Rachel manages to call. The interview was brief and not many questions were asked that I expected a hiring manager to ask. I reluctantly decided to give The Alliance a chance in spite of the rocky start. So I did an onboarding and a Zoom meeting was set up for 6/07/2023 with Jason Mathis. In the time leading up to the 6/07 meeting, I never heard one thing about what the next steps were. I was sort of sitting in limbo so to speak. The 6/07 meeting proceeded as scheduled, he gave me an overview of who they were. He then asked me about an email that was supposedly sent to me by Gabriela who did the onboarding. I didn't have a response, and Jason made the remark that based on the look on my face, you didn't receive it. To which I replied in the affirmative. Then someone named Wolf Vargas who was also a part of the Zoom meeting sends me an email with a "to do list". I go through the list to get everything done. I got hung up on the part where I had to get some pictures and a bio for the ATM. The to do list said to open the attached ATM template, and that only page 2 & 3 need editing. I clicked on it to open it up and nowhere did I see any option to edit the template. I made several attempts to edit the template to no avail. I finally called Rachel to ask how I edit the template, to which she replied, send me pics and a bio, and I'll take care of it. This was on 6/12/2023. I didn't get a response back until 6/19/2023, and that response didn't come with a completed template. She then asked in the response if I was ready for an agent ride along, and to call and schedule one. I called and said I was eager to do a ride along. I have yet to hear anything about an agent ride along. On 7/10/2023 at 12:06 P.M I got a call from Jared. Jared asks me how I am doing, to which I reply that I'm not doing all that great. I voiced my concerns about the lack of communication and told him about not being able to edit the ATM template. I also told him about not being able to get an agent ride along. He told me to reach out to him from now on, and his solution was to add me to a Whatsapp group chat. He also told me to send him the pics and bio for the ATM. Which I emailed him the very same day. I haven't even so much as received a response from him. No response regarding the ATM template or the agent ride along. I texted both Jared and Rachel on 7/14/2023 asking about getting a release, as of today 8/05/2023, I have yet to receive a reply. You would think that if you recruited an agent, you would want to make sure that he/she is properly orientated and knows what's going on. At this point I am extremely confused, and I am also extremely frustrated. This pretty much sums up my experience with The Alliance thus far. If you're newly licensed and someone from "The Alliance" calls and tries to recruit you, run the other way!
NAA IS ONE OF THE FEW COMPANIES THAT REFUSES TO RELEASE THEIR AGENTS FROM THEIR CONTRACTS. THERE IS NO REASON WHY THEY SHOULD HOLD YOU HOSTAGE WHEN THEY CAN SIGN A RELEASE. BE CAREFUL IF YOU JOIN YOU WILL NOT GET RELEASED, AND YOU WON'T EVEN GET THE COURTESY OF A REPLY.
I am a licensed Life Insurance agent and was introduced to NAA(National Agents Alliance) when I recieved an email from Mia Fennel. I was told they had leads that i had to purchase but had leads for Mortgage Protection and Final Expense. I was told I had to move contracts and get appointed with some of there approved companies. I went ahead and moved some contract with NAA like Mutual of Omaha, Foresters and a couple others, I was never told that if you want to leave they will not release your contracts since this is an independant contrator postion. I was not able to get Mortgage Protection Leads as others already were recieveing them in my area, I did get Final Expense Leads at a very High Cost and found it not productive.
It turns out this was not a good fit for me and chose to leave and took a postion with a great company. I had to move my Mutual Of Omaha contract as I needed that for my new postion. My new company submitted contracting to Mutual of Omaha and provided a new agent number. I later came to find out that once I submitted 2 criticall Illness policies that this was still under NAA. I than contacted NAA contacting department and recieved an email that NAA does not release agents, since I did not write business with Mutual of Omaha since i was with NAA i could move my Life, LTC, and others as of 8/1/2021 but not the critical Illness since i just wrote business and now would have to have NAA sign a release for that contract of wait until 1/2022.
I contacted Pam Slaydon contracting Manager by email since I called several times with NO return call. Her email to was short and cold that we do not release agents. I them wrote back that I have a new postion and need the critical Illness portion released as this could effect my position and this is how i support my family and since everything else with Mutual of Omaha was going to move over as of 8/1/21 and i would not be writing anything uner NAA what is the point to keep my contract hostage, and NAA has agents get releases all the time from other companies. It is a typical customery practice that companies release you as they all need this to happen.
I could never get anyone on the phone or to respond to an email. I than call Terry Edwards who was my direct upline and always very nice when it comes to bringing you on since that benefits him but for him to do something that has no positive gain for him I recieved a message that he could not help try contacting. Funny how when there is nothing it for someone all of sudden he cant do anything but when things are reveresd he would bend over backwards to get a contract.
I sent Andy Albright several messages who is the owner of the company with NO response once again. I was now stuck in a postion not able to have a conversation about this matter. My voicemails were are very nice and simple stated lets talk about this situation and see if we can resolve this as it impacts me greatly and still just ignored.
So my advice is NEVER EVER DO BUSINESS WITH NAA as an agent or consumer they have 0 integrity
I posted my resume on Monster.com. I received a response from "Moderator Paul Roberts" about being a mortgage protection consultant for VG Financial which is a branch of The Alliance. I replied with interest to which my information was transferred to Shamitra Venters. She emailed me pay rate, job duties etc about the company. She then called a couple days later to get some information from me and to set me up to attend a training. I chose to go to the one in Corona, California which is about a 90 minute drive from where I live. The next day she texted me the address. Before I left to go to Corona, I looked up the address on the internet and was surprised to see that it was residential. Red flag. I double-checked the address to make sure because I was expecting to see an office building. It was the same exact address she texted me. Against my better judgement, I went anyway thinking that for this type of job, surely there would be other people there, especially after they said they were swamped and needed extra help. Well, I arrived 20 minutes early. The GPS directed me to a gated residential community. Another red flag. The only contact information I had was the number Shamitra Venters texted me from. I texted that number to let them know I had no way of getting in because it's gated. No response. A car comes behind me and opens the gate, so I drive through the gate, and the GPS continues to direct me to the address. I get there and its a quiet, suburban neighborhood. There was only one car in the drive way. Third red flag. I sat there thinking. Since I was very early, I thought well maybe no one else has arrived yet. I texted my fiance the address where I was located just in case.......Five minutes before the scheduled training time, I get out of my car and ring the bell. No one answers. I go back to my car, and I call the number Shamitra Venters texted me from. She did not answer, so I left a message asking if she was sure she gave me the correct address, no one answered the door, etc.. I waited another 5 minutes, and decided that to try one more time. I rung the bell, and heard a sound as if someone was listening, and then a click on the buzzer as if someone hung up. I head back to my car and leave. By the way no other car showed up.
I will not post the address that I was sent to because this could have been an innocent person whose address was used.
I am confused as to what happened. I don't know if I was duped or what. Shamitra Venters has not responded to my text or voicemail which leaves me thinking that I was duped because if it was an honest error on her part in giving me the wrong address, she surely would have owned up to that and I would have accepted her apology. I just find the whole ordeal to be strange. This is not an attack against Shamitra Venter's character because I don't know her. I just don't understand why I was sent to a residential address to which no one answered the door.
I will add this: I've had dreams that have revealed things to me about events that will take place and about people. Many of my dreams are very revealing. The night before I was to go to Corona, I had a bad dream about this company. I don't remember any details about the dream, but I woke up not feeling good about going to the training. I guess that was another red flag I ignored.
This is a lesson to me: Listen to your gut feeling, and if something doesn't feel right, it isn't right!
BEWARE!!! If you are seeking employment with a resume posted on Monster.com BEWARE!!!
i WAS Solicited for a position by The Lampe Company, LLC, Loan Pham, stating this is a great employment opportunity, flexible scheduling, can work part time, all leads are provided FREE!!! The cost of licensing would be reduced to just $49.00 from the usual $200.00.
I provided my name and information (SOCIAL SECURITY NUMBER, TELEPHONE NUMBER, HOME ADDRESS) to get an "insurance agent's" license in the state of Texas.; Instead I received an email with directions to go to a website for NAA. I had received a PIN or pass number to get in. Basically you are being scammed into completing a few entries in the website, and then you are being asked to finish and sign. If you do not open the PDF and carefully read you have been scammed. Everything in this 15 page "AGENT AGREEMENT" is only for the benefit of SUPERIOR PERFORMERS, INC™. d/b/a, a Virginia corporation having its primary place of business in North Carolina (“NAA®”).
As their independent agent you pay for leads, provide your Errors & Omissions Insurance, promise to pay them back for each and every lead or anything they consider they have done for you, which is basically nothing.
After reading contract, the solicitation telephone call describing the employment opportunity was totally different than what is in the contract, I immediately went to an email from The Alliance [email protected] via aweber.com and entered UNSUBSCRIBE. They asked why I wanted to unsubscribe, I entered the following:
Solicited for a position by The Lampe Company, LLC and after reading contract, the solicitation telephone call describing the employment opportunity was totally different than what is in the contract. I have not signed the contract and do not intend to do so. Please remove my name from all future emails regarding Superior Performewrs, Inc. d/b/a National Agents Alliance (NAA), The Lampe Company, LLC, and all of NAA's Affiliates, including without limitation Pro Data Research®, LLC and K.I.T.® Marketing, LLC,
I AM NOT INTERESTED IN THIS EMPLOYMENT OPPORTUNITY THAT APPEARS TO BE A SCAM.
nationalagentsalliance.com/
lampecompany.com/
For those of you who are not SAVVY enough to pull up the "AGENT AGREEMENT" here are the first three pages:
AGENT AGREEMENT
THIS AGENT AGREEMENT (this “Agreement”) is made and entered into effective as date written
next to the Independent Contractor’s signature below, by and between SUPERIOR PERFORMERS, INC™.
d/b/a, a Virginia corporation having its primary place of business in North Carolina (“NAA®”) and the
individual or entity executing the agreement as set forth below (the “Independent Contractor”).
WHEREAS, NAA® and Independent Contractor are engaged in forming and maintaining a
cohesive marketing organization for the sale of insurance products; and,
WHEREAS, NAA® has obtained the rights to be an independent marketing organization or
managing general agency for Contracted Insurance Companies (as defined below);
WHEREAS, NAA® is willing to permit the Independent Contractor to engage in sales of products
of the Contracted Insurance Companies, subject to the terms of this Agreement and the requirements of
such insurance companies;
WHEREAS, NAA® is engaged in activities or is a party to contracts which require maintaining the
confidential nature of certain activities and information so as to properly perform under said contracts
or so as to maintain NAA®’s competitive advantage in the marketplace; and,
WHEREAS, the Independent Contractor will have access to or knowledge of the confidential
information regarding NAA®’s business activities or confidential information used in NAA®’s business
activities or confidential information used in NAA®’s business or industry; and
WHEREAS, NAA® desires to make Independent Contractor aware of the confidential nature of
these activities and the information and to obtain from Independent Contractor a commitment not to
disclose any confidential information, except as provided in this Agreement; and
WHEREAS, NAA® has an investment in its client, vendor, independent contractor, and employee
relationships, and these relationships are necessary and important to the continued success of its
business; and
WHEREAS, the Independent Contractor is prepared to acknowledge the pre-existing nature of
these relationships and to refrain from interfering with or disturbing these relationships to the
detriment of NAA®.
NOW THEREFORE, in consideration of (i) a contract to sell the products of the Contracted
Insurance Companies through NAA®’s relationship with such companies, (ii) marketing incentives from
time to time made available by the Contracted Insurance Companies through NAA® for a limited time
period, (iii) access for a limited time period to marketing tools and services (including, but not limited to,
leads, NAA®’s website use, etc.) and (iv) other new good and valuable consideration, the receipt and
legal sufficiency of which is hereby acknowledged, it is hereby agreed as follows:
1. Compliance with Laws and Regulations. The Independent Contractor shall comply with all federal,
state and local laws, regulations and rules applicable to the Independent Contractor’s solicitation of
insurance products, and all rules, policies, procedures, and standards which are provided to the
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Independent Contractor by a regulatory agency, NAA® or by any NAA® Contracted Insurance
Companies.
a. The Independent Contractor shall hold the appropriate insurance license(s) in the state of
solicitation and in the state where the application is signed prior to submitting an application for
insurance to NAA® and shall maintain such license(s) in good standing at all times during the
term of this Agreement.
b. The Independent Contractor shall complete pre-contracting or appointment paperwork with the
NAA® Contracted Insurance Companies prior to soliciting the sale of a product, if required.
c. The Independent Contractor shall not alter, modify, waive, or amend any of the terms, rates or
conditions of any advertisement, brochures, applications, policies, contracts or other material of
provided to the Independent Contractor by NAA® or any NAA® Contracted Insurance Companies
unless submitted and approved in writing by NAA® and/or the NAA® Contracted Insurance
Companies. The Independent Contractor shall not create any material that references NAA® or
NAA® Contracted Insurance Companies unless submitted and approved in writing by NAA®
and/or the applicable NAA® Contracted Insurance Companies.
2. Lead Purchase Program. NAA®, by itself or through its Affiliates, has developed a lead program (the
“Lead Program”) for qualified members of its associated insurance agents to buy leads from NAA® or
its Affiliates for use solely in connection with the sale of insurance and recruiting insurance agents
for NAA® Contracted Life Insurance Companies (solely within or pursuant to NAA®’s contract with
those insurance companies).
a. Request for Leads; GMR™. By agreeing to this Agreement, the Independent Contractor requests
NAA® to supply it with leads at the rate assigned to the applicable commission level at the time
of receipt of such leads and in the geographical area(s) described in any geographical mailing
request (“GMR™”) which shall be a part of this Agreement. Independent Contractor may
change the geographic territory for requested leads by completing a new GMR™ request form
and submitting it to NAA® or its Affiliate, as applicable. The other terms of this Agreement shall
not be modified by the submission of a new GMR™.
b. Diligent Use of Leads. Independent Contractor agrees to best efforts to work and solicit the
number of leads requested on a weekly basis and to ensure that any leads provided to the
Independent Contractor or Independent Contractor down-line agents are diligently and legally
solicited.
c. Limited Use of Leads. Independent Contractor agrees and understands that all leads provided to
it or to its down-line agents must only be used (i) to sell insurance or products authorized by
NAA® through NAA® or NAA® Contracted Life Insurance Companies or (ii) to recruit insurance
agents to sell insurance or products through NAA® Contracted Life Insurance Companies (solely
within or pursuant to NAA®’s contract with those insurance companies). Independent
Contractor further agrees and understands that if it uses leads from the Lead Program to sell
insurance or products or recruit agents for any other insurance company, insurance agency, or
other person entity or entity, then NAA® may demand or require the termination of the
Independent Contractor’s contract with the Contracted Insurance Company and may terminate
this Agreement. NAA® may further recover all commissions earned on such sales.
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d. NAA® to Supply Leads. NAA®, by itself or through its Affiliates or contractors, agrees to use
commercially reasonable efforts to make available to Independent Contractor leads on a weekly
basis so long as such leads are available and Independent Contractor is in compliance with the
terms of this Agreement.
e. Payment for Leads; Default. Independent Contractor agrees to pay for each lead received by it
(exclusive of any free leads that may be provided by NAA® from time to time), including any
associated charges assessed by NAA® or its Affiliates from time to time relating to the Lead
Program, as detailed in an invoice, on the scheduled date and via the payment method
authorized by the Independent Contractor. In the event of default on my obligation to pay
NAA® or its Affiliate, Independent Contractor shall be responsible for and promptly pay (i)
interest on the amount owed at the rate of 1 and ½ percent (1.5%) per month or the highest
legally permitted rate, whichever is lower; and (ii) NAA®’s costs of collecting such debt, including
without limitation, reasonable attorneys’ fees.
f. Guarantee of Down-line Agents Debts to NAA® and its Affiliates. Independent Contractor agrees
to pay all override charges for leads received by Independent Contractor’s down-line agent’s
share of any lead costs should that agent fail to pay for such lead costs. Independent Contractor
agrees to guarantee payment and performance of its down-line agents Agent Agreements with
NAA® and obligations of payment to NAA® or its Affiliates, including without limitation, lead
costs, interest, attorneys’ fees and collection costs. This is a guarantee of payment and not of
collection. Thus, NAA® is not required to pursue any remedy form any other person before
seeking payment from Independent Contractor under this agreement. Independent Contractor
will remain obligated to pay on this guarantee even if the down-line agent’s obligations are
discharged in bankruptcy. Independent Contractor agrees that NAA® may modify the
obligations of the down-line agents without any notice to me and such modifications shall not
affect Independent Contractor’s obligations under this guarantee.
g. Withdrawal from Lead Program. Independent Contractor may withdraw from the Lead
Program with thirty (30) days prior written notice to NAA®, with or without cause. During the
thirty-day period, Independent Contractor agrees that it will be responsible for the cost of leads
distributed to it, for its share of the cost of leads distributed to its down-line agents, and for any
uncollectible lead charges accumulated by its down-line agents. Independent Contractor
understands that Independent Contractor will continue to be charged for leads issued to it and
its down-lines during this thirty day period. A withdrawal from the Lead Program shall not
constitute a termination of this Agreement.
h. Termination by NAA®. NAA® may terminate or suspend Independent Contractor’s participation
in the Lead Program upon written notice by NAA®, with or without cause. Independent
Contractor further understands and agrees that it is not entitled to participate in the Lead
Program if any of the Independent Contractor’s contracts with any NAA® Contracted Insurance
Company is terminated, if its license to sell insurance is suspended or revoked, or it it defaults
on any its obligations in this Agreement. Independent Contractor understands that it is
obligated to pay for all leads billed or received prior to and for a period of not more than thirty
(30) days following the termination of Independent Contractor’s participation in the Lead
Program.
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NAA is a group of Insurance Agents, who recruit other agents to come into the Life insurance business like a multi-level-marketing system. The Agents who recruit, are not honest, and don't give you the truth of what to expect from, their system. They actully out right lie, and hope you will stick! If you are an Agent, do not get involved with these sharks! It will take you forever to get rid of them. Secondly, as agents they are interested in one thing, and that is their commission, not the customers they serve. They will sell a policy to someone, that is expensive, when they could sell one that is fully underwritten, which would be much cheaper for their customer. They go against the Ethics they have sworn to adhere to, when they became Insurance Agents. Stay away from these people if you value honesty, integrity, and your money!
There is a reason why there are so many complaints against National Agents Alliance (NAA). Reputable companies don't have a lot of complaints at this website so that should give you a clue about NAA.
I do not have an axe to grind with NAA. In fact, I worked for them about 3 years ago as an agent. My reason for filing this complaint is to alert the publice and, hopefully, educate and warn others not to join NAA.
As stated, I was an agent with them in Myrtle Beach, S.C. about 3 years ago. A fellow named Adam from Wilmington, N.C. was our upline head. There are several things about NAA that bothered me.
First, it struck me as a cult. I recall going to Burlington, N.C. to sit in the audience of a live telecast featuring Andy Albright. I found it disturbing that the audience treated him like a god and that everything he said as a devine revelation.
Second, as an agent, you were encouraged to buy books from the company that Andy recommeneded. And, of course, you were highly recommended (pressured) to read his revelatory books. It just seemed so much like a cult.
Then, there were the leads. You coudln't make money unless you did appointments and this required leads which you had to buy. Often times, the leads were old and outdated and totally useless.
I recall having bought leads leading up to Christmas and was stuck with a lot of outdated leads. I didn't have enough money to buy my kids gifts for Christmas. I asked for a refund on the leads and was told by the corporate office in Burlington that I had to get permission from my upline. Well . . . my upline all voted "no" to my refund request. I'll never forget it. I never did get my money back for the useless leads.
You were expected to pay for everything. Even, after a certain point, NAA expected you to pay for the training. They don't give you a draw as other insurance agencies do, they pay the lowest commissions and will have you draining your bank account viz a viz buying the recommended books, paying for leads, gas, food and other travel related expenses. Plus, with their long meetings, it is a real drain on your time.
I remember bumping into an old friend of mine in Wilmington, N.C. while I was in NAA. He laughed when I told him that I was with NAA. He told me he and his wife used to be with NAA, sold some policies but got out later for the same reasons I'm stating here. He said that everyone he knew that started with him was no longer with NAA. Now, he and his wife have very successful businesses not in the insurance field.
The reality is that NAA appeals to your greed to suck you into thinking you're going to make a lot of money but the only one getting rich is Andy Albright from the sale of leads and books. I no longer am involved in selling insurance but, if insurance is something you want to do, go seek out another agency. There are far better insurance agencies out there with better commissions and lower out of pocket expenses than NAA. Plus, they operate like a business and not a cult. Good luck.