NAA-NATIONAL AGENTS ALLIANCE SUPERIOR PERFORMERS READ YOUR CONTRACT-GO IN WITH EYES WIDE OPEN burlington North Carolina

Just remember that when your reading all these comments, there is something to be said, a phone interview is nothing but someone telling you what will get you excited, but its lies, and the contract tells you the whole story, plus many of the complaints I have seen first hand!  Good Luck with your decision, but there are many other great IMO to work for that are on the up and up.  They will one day be exposed, it cant go on forever

No, I"m NOT an employee of Aflac.   But I have sold insurance, and I have few comments/feedback to your post.  Maybe something I write can hel you.

1.  You state, in your report that "I pay for all of the coverages that they offer."    Really?  You bought every single type of policy that Aflac offers in your state?   I find that hard to believe; please correct this statement.  Actually, I know it cannot be true, becaue their are 2 policies that cannot be purchased together (the Specified Health Event and the Hospital Indemnity Plan) because the plans overlap in alot of places, and purchasing them both would give the consumer "excess coverage."

2. You state that you became ill PRIOR to 10/1/13.   I don't know which policy to which you are referring (you do not state which plan it is) but assuming it a Personal Short Term Disability plan, you admit having a pre-existing condidtion.   In my state, if you are disabled and unable to perform the duties of your job due to a pre-existing conditions, you are not covered unless the disability starts 12 months after the effective date of the policy.

To put it bluntly; you aren't covered for pre-exsiting conditions for a year.    And you need to remember that ANY insurance company can decide their own definiton of a "pre-existing condition."    I'm nearly positive (again, not 100%, but close) that Afalc defines a pre-existing condition based on symptoms that existed, not a diagnosis.    

For example, let's say you complained of severe headaches every day six months before you purchased a Disability policy.   Your doctor made suggestions, such as cuffing our caffeine and/or alcohol, reducing time spent on the computer, exercising to reduce stress.   You may or may not have complied with your doctor's suggestions...but 3 months after you applied for and were issued a Disability policy, you suffered a stroke.  

I'm only speculating here (offering only my opinions, nothing more, nothing less) but in the above case, I'd expect the insurer to try and prove that the headaches were a symptoms of a pre-existing condition (leading to stroke) and therefore your claim would be denied.  I would also expect that if your doctor told you the headaches were purely stress related and NOT indicative a an existing condition that leads to stroke, that you would APPEAL the insurance company's decision.    

You might win that appeal.  

in any case, you do not give enough details in your post for me to make suggestions that could help.  What type of policy?   Are you filing it yourself, or did you call the agent who orignially sold it to you and ask them for assistance?   Did you call the local Aflac office in your town?     Disability can only be purchased through your employer and deducted via payroll deduction; surely the Personnel Mgr at your place of employment has a contact number of sometone you can call, no?

At the very last, if I were you, I'd call Aflac Corporate Headqurteres (you can easily google it) and speak with a trained customer service representative.   Tell them your story, and ask if there is any way to exepidte the processing of your claim.

Good luck!  I truly do hope everything works out for you.   My aunt had a disability policy wiht Aflac many years ago, and she was to work part-time and still collect 100% of her benefits.   You might want to carefully read your policy to see if that feature is still active.   Just a thought...

Hello,

 Thanks for turning your CAP LOCK off!     When you said that working for NAA was a "satonic" experience, did you mean "satanic?"   As is satanism, as in Church of Satan? 

That is very bold statement.   NAA may have a poor business plan, employ questionable marketing strategies, and walk a fine line when telling their agents the truth, but that is a far cry from beign "Satanic."

 Can you please elaborate on what you meant by this?

 In my days as an independent insurance agent, I had contracts with many, many different carriers.  No corperation is peferct.    They all claim they have "the best rates," "the best value," "the best policies" and OF COURSE none of them tell the truth about WHY they are actually in business (to make money.) 

 They all claim to care deeply about people, families, values, etc, etc.   In my opinion, they don't care AT ALL about families, only about sellikng enough policies to make a healthy profit, about showing good reveneu numbers so that they get a "BUY" rating (if they are traded publicly.)  and keep their stockholders happy and holding onto their shares.

 I tell folks all the time:

 1. Every insurance company, every single, solitary one, is out to make a profit.   And during the first 2 years (the contestability period for many policies, not just life insurance) all claims are going to be investigated and the company will try to find a legal reason to DENY paying that claim.   

They will comb trhough outlines of coverage to find a loophole, they will scour the documentation they received looking for something, anything that is missing, they will request more information, etc. etc.    The only chance the average policyholder has is if they have an honest, ethical, and hard-working agent who will advocate for them. 

They are, imo, hard to find.   Most insirance agents I've run across care about one thing and one thing only:  The initial sales and their commissions.    Service after the sale is seen as a pain the neck.  

Oh, one word about the profit-thing.  Blue Cross/Blue Shield, as least in my state, claims to be a non-profit company.   In my opinion, this is done to avoid paying taxes.  Their executives make ridiculously high salaries, and I know for a fact that finanical forecasters there earn well over $150K a year.  

 2. I may still possibly contract wtih NAA, but its a very slim possbility.   VERY slim.   I'm reading too many negative things about them, but I want to speak with a local agent who has worked with them for a few years.

I don't base my deicisions solely on things I read on the Internet...why?    Because the average person is not very smart about insurance.  They don't undersatnd how it works, they never think they need it (until they really do)  and people often come on the 'net and write that they have been "ripped off by their insurance company.  Usually this isn't true.  More often, what is the case is that the person 1. didn't read their policy 2. didn't read the Limitations & Exclusions 3. Didn't ask the right questions 4.  Is looing for more money than they deserve (based on the contract.) 

 Finally, I'll ask you again:  could you please elaborate on why everone should "run as fast as you can" from NAA?   Specific examples of why working with them is a bad idea would be great.   I don't know who you are, your real name, where you live, or what you've got going on, so simply taking your advice wouldn't be wise.

 But you've got my attention.    Hope you answer thsi post...and thank you.

Hello,

I was recently contacted by NAA and spoke with Stephen Davies of The Davies group; he said they were the 2nd largest NAA broker.

 1. First off, please consider reposting your original report but NOT in ALL CAPS.   I could not read your report; it is very hard to read more than a few words in all captial letters, and surely, you must be aware of of the unwritten code of "internet posting etiquette."   Posting in all caps is akin to shouting.  Surely you would not want to shout your entire report, no?

 2. Back to NAA.   I will admit, I had a negative response to Mr. Davies.  First off, he is only 3 years old, admits he never went to college, and brags, several times, about his "many, many years in the industry."  Fifteen to be exact.  That is IF he starts counting from age 18 on.   I would not buy insurance (or anything of great important) from a teenager.  

 3. He also told me he makes "over a million dollars a year in ovverrides."   In my opinion, he is not telling the truth.  I simply do not beleve that a 33 year old kid w/no college education is a mllionaire.  When is he making his own recruiting calls, if he is so incredibly wealthy?

 4.  I asked several direct questions.   Instead of answering me directly, he tried to distract me by going off into different areas.   For example, I asked him what he retention rate was.  (ie. How many people, say per 100, that he contracts with, are still wth NAA a year later?)  He anaswered by saying "You have to understand, blah, blah, blah."  So I rephrased the questions (after all, he has only a high scvhool education..maybe he doesn't know what "retention rate" means.)  I asked "how high is your turnover?"   He answered "We had a great training program; people are selling policies within one week."  Huh?  Did he not HEAR me?

 I asked a THIRD time  "What is your turnover rate?   Thsi time, he said "gee, I really don't know."  He is the present of the company and he doens't know his turnover rate?   That is appalling!   Again, in my opinion, he was not telling the truth.  

 5.  He talked about building a book of business, but then told me that, on Term Life Insurance (by far, the most commonly sold type of Life product) that NAA pays NO renewals.  NONE.   I asked him:  how does an agent build a "book of business" if there are no renewals.   Again, he didn't answer my question.  I decided not to try again, because I was beginning to see a pattern of deception (again, just my opinion.) 

 6.  I asked him what the commission rate was on various policies.  He said he didn't know.   I asked him what the renewal rate was on Whole Life.  Again, he said he didn't know.   

 This is a man who brags about being a veteran in the industry, but he sure claims NOT to know a lot.

 I have worked in the insurance industry before, as an independent agent.  It is a very hard way to make a living.   Sure you can network, and work your warm market (friends, family, business acquaintance) but ultimately, if you're going to make a full-time career out of selling anything, you HAVE to cold call.   And cold calling is brutal; you need a very thick skin, dogged determination, and strong self discipline.   Luckily I think I DO have all three.  it ook me years in business to acquire these skills, but I have them. 

 Regarding the above, I asked about Leads.   Do agents generate their own, does the compnay provide the, and if so, of what quality are they?   Are they free, or does the agent pay?  If the latter, does the company share the expenses?  

 More vague answerse.   "For newbie agents, in the beginning, we give you leads for free.  Later on you have to pay for them, but NAA splits the cost wtih you." 

 I asked him to define "in the beginning."   In other words, exactly how LONG does the company give "newbies" free leads?    Mr. Davies answer:  "Um, well, um, you know, until you get going."   Not a very good response, in my humble opinion.  I pressed further.   "How do you define "get going?"" I aksed him.    "Um, well, um, it depends on the products you are selling."   He did not elbaroate.

 I am honest, and sometimes, quite blunt (but I'm also very polite. )   I said, Mr. Davies, if I may be candid with you, you don't seem interested in answering my question.   I feel as if I have to pull the words out of your mouth."   And then I said nothing.   There was a long, awkward pause.   And then he completely changed the subject.

 So.  My conclusions, based on all the above, plus the stuff I let out (basically, the whole phone "interveiw.")

 1. I'm not impressped with Mr. Davies' professional knowledge or demeanor.    For a guy who claims he makes a mllion dollars a year on ovverrides, he doesn't present himself well.   He is hiring SALES people, and he could tno even sell himself, at least not to me.

 2. The internet is full of disguntled ex-NAA employees.  Most of these are sour grapes, and/or misconceptions.   I think people look at insurance agents who are doing well and think "that's easy; I could do thaT!"   By the time THEY see the agent, the appointment has been set and met.  The hard work is over.      The average person doesn't see the dark under-belly of sales...trying to get people to listen to you, talk to you, give you just 10 minutes of their time.     It is absolutely, positively, NOT easy.  

 3.  I'm on the fence about NAA.   Seeing as the owner of this site, (ripoffreport.com) never removes any content (a policy I disagree with, but it is his site, and he can make up any rules he wants, as long as they don't break any laws.)  , I will not reveal anything personal about myself, my background, skills, job experience, nada, zip, zilch.

 But appreciate the change to read others opinions.   Again, not to be annoying repetitive, but to the OP, PLEASE don't eer post such a long report in all CAPS.   It is unreadable to many.   Thank you!

Hello,

Please dont waste your time there, one day they will get shut down, when the Insurance Heads open their eyes to their deceptive tactics.... I can give you advice, so not sure how that happens as I dont want my email on here, so tell me how I can get a hold of you and I can steer you in a direction to avoid this company...its a creepy, satonic experience...BEWARE!!!

Thank you so much for your clear and correct assessment.  I'm currently being presuaded to sign up for this company I will ask about the contract and other questions but ultimitly I feel I may walk away from them altogether.

PS.

You mentioned that there are alternatives please email me.

Thanks.

For the fun of it, I like to catch up on Andy Allwrongs stories... I too was there, won a trip to Portugal back in 07 with IOF and was loving NAA. Then I realized that I only netted $30K on a $100k production year, my very first and only year. By the time we had quit and hit the road of independcy we had qualified for the trip and went. It was hilarious, we hung out with 3 other couples who had also walked but wanted to go on vaca, we laughed at Allwrong and his followers. I hated the religion, I hated the lies but Portugal was nice.

So the good news, there are greener pastures, there are better options. WE have been fortunate enough to stay in the business, work in our Ppajamas on the phone exclusively and operate a successful brokerage offering all carriers and products in life, di, and annuities. We did over $150K last year and should exceed $200K this year with expenses less than 10%.

I am happy to chat with any one that want to learn how to be independent and help do whats in a clients best interest by underwriting them and evaluating if they should buy fully underwritten vs simple issue, instead of forcing them into simple issue products like Allwrong pushes.

osjllc@gmail.com