Read all of the other posts about NAA. You'll begin to see a trend.
Here's my personal story:
I was interested in insurance sales because I have 9 years experience as a financial planner with a fortune 300 company, where I made MDRT (Million Dollar Round Table) for the last 4 years. I left my previous career because I was interested in becoming an independent agent. The company I worked for previously was "captive".
On December 19, I was contacted by Paul Jara, National Recruiter for NAA by email after I posted my resume on Monster.com.
Paul sent me a link that showed me that I could easily make over $100,000 with NAA by working part time from home, and that some NAA agents make over one million dollars per year. A couple agents make as much as four million dollars with NAA! Paul immediately asked me if there was anyone else that I knew who might be interested in making a lot of money. I mentioned that my young son could be interested. He told me to have my son attend an NAA event in Ohio.
Paul told me that I had a "gold mine" in Phoenix because there were NO other resident NAA agents in Phoenix (That should have been a very, very big red flag!)
On December 27 Paul sent me a pile of leads for free. All of the leads were very old. Some of the leads were over three years old! They were not mortgage protection leads as advertised on the NAA website. They were old internet and telemarketing leads. I would personally call them, "garbage".
Although Arizona state law prohibits the solicitation of life insurance without a valid solicitor's license, Paul sent me these leads knowing that I was NOT a licensed life insurance agent. Again Arizona state law PROHIBITS the solicitation of life insurance without a valid solicitor's license. Understand the implication here, and understand what Paul was implicitly asking me to do. It's not hard to read between the lines.
Paul told me that I should absolutely attend the National Conference in Texas (costing $800.00, plus airfare, plus hotel), and that I should ask anyone that I know to attend the conference.
On December 28, I received an email from NAA informing NAA "agents" that Shenandoah Life was no longer accepting applications from NAA. (another red flag?)
On January 31 Paul asked me to sign up for the NAA Master's Club (costing me $120.00 per month).
I began listening in to the weekly NAA teleconferences. The speakers only talked about how much money they are making, how little time they are spending, and how easy the business is.
On February 7, Paul Jara sent me an email containing 32 applications from Jobbing.com; People who were interested in perusing a life insurance sales career. He told me to recruit, recruit, recruit. Paul was, in effect, asking me to become an NAA recruiter... All for FREE!
On February 8 I received an email from NAA which stated: "EVERY Friday, Patrick Connors will TRAIN you how to recruit!" The cost is $50.00 per month.
On February 14 I received another batch of old, free leads from Paul Jara. His email stated: "REALLY old leads. I'm not sure if I would even call them... If they were already covered by NAA agents you might try calling them to see if they would refer you to friends and family. Who knows."
I began noticing an obvious trend with respect to the weekly performance reports. It was evident that the only agents that were making real money with NAA were the same few agents. Over and over, week after week. The same people are the only ones making any money (and a lot of it!), Nothing is ever said about the rest.
On February 15, I received 13 leads from Patrick Connor's office. All of the leads were in Yuma Arizona, a three hour drive from my home! All of the leads were old (one to three years old), some of the leads that I called couldn't speak English, and one of the leads told me that he already purchased insurance from NAA. The rest of the leads hung up on me, or simply told me that they werent interested.
I sent Paul Jara and Patrick Connors an email asking them why I couldn't have any leads from my county, Maricopa County, which has over 3.8 million residents.
On February 20, I received the following email from Patrick Connors about the old leads that I was sent:
13 leads is a GOLD MINE! If this is not what YOU were expectingmy apologies. Let me tell you what WE'RE expecting: that out of those 13 leads, you get us 13 appsprotect 13 people and help their familiesand make about $5,000 - $7,000 commissions to help YOUR family.
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