Complaint / review text:
A year ago, I was sold a bill of goods by NAA. I bought it lock stock and barrel. I studied and took my test and passed it the first time out. (with no past experiance)
I went through NAA's Agent Certification Course and it is there that I was told about their lead program. The lead program is a little polluted and a lot diluted.
The A Lead (top of the line) gives the buying agent 6 weeks exclusivity, meaning that that agent has that lead solely to himself to sell to or sit on for six weeks.
All the other leads give the agent only 2 weeks exclusivity.
I learned right off the bat that this is total crap. If I am in the field meeting clients, I dont have the time to make the calls to all the new leads that I have purchased that very week. So typically, I would call all leads one week from purchase date.
A funny thing started happening immediately, a majority of my potential clients had already talked to an NAA agent and in fact had an appointment set up to meet them that week or weekend. When I asked if they new the agents name, it turned out to by my upline mentor (manager).
I was being ripped off on my leads by my own manager, who said that the agent manager had given the leads to them to check up on me.
I'm sorry, but how can you be checking up on me when you are calling and selling to my NEW leads?
If you wish to check up on me, you call and sell to my old leads.
The problem was that I didn't sell solely mortgage protection. I sold what the client needed and not everybody in the state of texas needs mortgage protection. Why sell something that offers critical illness and disability if the clients only wants a death benefit only? Why make the client pay more money for a term product that will only offer them a death benefit?
The answer is you don't, you offer the client what they need. You don't go into the clients house with an agenda to sell a particular product. You enter the home wanting to protect the client and their family. It's that simple.
Bottom line, NAA could bring some people a lot of money, but for the majority of agents who get into bed with them, pay a pretty hefty price just to be ripped off by the upline agents who are supposed to be out to help the new agents.