[FloraShakesItUp]

Without rewriting what I have here, I also wanted to point out, that the leads you have for 5 weeks... if they are not sold a policy, recycle back into the list. yes you are an independent agent.

Hi! I thought I would see if I can clear this up for you, as the original company I was looking into was NAA. First, yes you have to PAY for your leads. They are rated and price depends on their rating. Second, they write their business on the amount of your mortgage, meaning they market it as a mortgage protection, these are the only families they help... the ones that have mortgages... this cuts your business back since your client base is limited to them owning a home. Third, I went to a few trainings, and to me it seemed they are all about money! Not saying all meeting are like this, but majority was about the money you make in insurance. Fourth, and to me this is the biggest and I will say why afterwards, you pay full prelicensing cost and state exam costs, this is a pretty hefty amount. For me this would have been almost $1,000, because I learn better in person than online.

I decided to go with Primerica. 1) They are HELPING families get OUT of DEBT and essentially teaching them HOW to fund their own retirement! 2)They have the outlook of *friends and family* to help with training and making a client base. This is important because say you have agent A some random person and agent B a close friend or relative, they both come to you with a plan for policy, both are equally as good, which are YOU more apt to go with? 9 times out of 10 the average person will go with Agent B, because there is a personal relationship there! 3) They're trainings are phenomenal! They are truly there to help their agents succeed and become financially independent! With Primerica, yes you pay a $99 IBA fee... this covers your prelicensing course AND your state exam fee is REIMBURSED to you! And after one year, with certain criteria met, they pay for your securities license as well.

I hope I was able to give you some insight to NAA. Sure, externally they seem great! They flaunt their money to show you 'how much you can make'. But everything that looked like pluses to me, I now see WHY those things aren't so great!