Re: Is anyone going to the dahammm Convention (National Agents Alliance) (NAA)Go to Top
I really think any of you who are going to that convention or have anything to do with NAA should read the public information that was released yesterday. Please pay special attention to the affidavit of Mr. Montebon. Do any of you want this to happen to you?
Go to the nc business court files... NAA vs EMG. I'll make 9 more posts to give you all the link shortly
Everyone needs to know the truth. I don't care about this injunction as I have been out of their grasp for much longer than their ridiculous non-compete contract AND this is public information. It needs to be given to everyone and let them make a choice.
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How would you feel if you were on your death bed and someone tried to steal your business?
Last edited by nka245 : 01-29-2009 at 10:40 AM.
Reason: Posts merged
Fallen evangelical leader Ted Haggard, who was disgraced by a gay sex/meth scandal in 2006, is back — and he's taking his story to HBO in a documentary called, "The Trials of Ted Haggard."
The New York Post's Don Kaplan reports that Haggard will promote the documentary next month, his first public appearance since the scandal broke:
The coming out is set for next month at a convention of TV critics in LA.
"We look forward to presenting the film, Ted Haggard and his family at a press tour in LA next month," said a spokeswoman for HBO.
When the scandal broke, Haggard was paid a year's salary, about $130,000, and agreed not to talk about it publicly.
But now the former leader of one of the largest churches in the US is free to talk about his downfall and has chosen the semi-annual Television Critics Association press tour in January as his first forum.
"We have released Ted and [his wife] Gayle from their separation agreement with New Life Church," senior pastor Brady Boyd said yesterday in a statement. "They are free to move forward with their lives in any way they choose without any legal constraint from the church."
In the film, by Nancy Pelosi's documentarian daughter Alexandra, Haggard says that he never claimed to be heterosexual and that he still struggles with homosexual impulses. From the AP:
COLORADO SPRINGS, Colo. -- Disgraced evangelical leader Ted Haggard says in a new documentary that he still struggles with his sexuality yet is committed to his marriage for the sake of his children.
Haggard, 52, resigned as president of the National Association of Evangelicals and was fired as senior pastor of New Life Church in Colorado Springs in November 2006 after a former male prostitute went public with allegations that Haggard paid him for sex and used methamphetamine.
It is necessary that you know the facts of who you will be dealing with.
I found myself being extremely nauseated by the affidavit of Mr. Montebon.
I think most of the parties in this case have some shady behavior but regardless of that; there is no excuse for some of the things that took place.
I am not with EMG, nor do I have any business dealings with ANYONE named in this case. I am just a concerned citizen wanting to let people know what the real truth is.
I am with a completely separate IMO, where I am treated the way I should be and where I am able to make the money I need to make without fear that if should I decide to leave that someone may try to destroy everything I worked so hard for.
I want everyone to have that same opportunity.
Hi I am curious to know about what IMO you are with. I am trying to make a decision that will be beneficial and not detrimental if you know what I mean.
It is necessary that you know the facts of who you will be dealing with.
I found myself being extremely nauseated by the affidavit of Mr. Montebon.
I think most of the parties in this case have some shady behavior but regardless of that; there is no excuse for some of the things that took place.
I am not with EMG, nor do I have any business dealings with ANYONE named in this case. I am just a concerned citizen wanting to let people know what the real truth is.
I am with a completely separate IMO, where I am treated the way I should be and where I am able to make the money I need to make without fear that if should I decide to leave that someone may try to destroy everything I worked so hard for.
I want everyone to have that same opportunity.
That's some crazy, scary stuff. How any business person could have such a lack of respect for a colleague's illness in that fashion is very disturbing to me.
Hi I am curious to know about what IMO you are with. I am trying to make a decision that will be beneficial and not detrimental if you know what I mean.
Please shoot me over an email. I have my email in my profile and I will be more than happy to discuss it with you. My IMO is just amazing and I am very content there but it isn't the perfect fit for everyone. I think each of us need to look at a few good prospects before diving in.
Any Former NAA Agents Out There - Question?Go to Top
I am competing for a life case against an agent who is pitching mtg ins, and I am just assuming that it is NAA, not sure. I have never directly come in contact with their products, so I have some questions here.
1) Does NAA actually sell a decreasing product that correlates to the decreasing mtg bal...?
2) What is the rate structure of their products... compared to level 20-30 yr term rates; Genwth, AIG, etc...?
3) What are their u/w standards...? again compared to Top tier life companies.
4) How do they u/w cases with health issues, where a fairly serious rating would be involved for a top tier co, as mentioned...? Do they rate, decline, etc... and if so, how compared to the other life cos...?
I appreciate you knowledge and feedback on the above...
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"A successful man is one who can lay a firm foundation with the bricks others have thrown at him." David Brinkley
Re: Any Former NAA Agents Out There - Question?Go to Top
Originally Posted by SportsNut
I am competing for a life case against an agent who is pitching mtg ins, and I am just assuming that it is NAA, not sure. I have never directly come in contact with their products, so I have some questions here.
1) Does NAA actually sell a decreasing product that correlates to the decreasing mtg bal...?
2) What is the rate structure of their products... compared to level 20-30 yr term rates; Genwth, AIG, etc...?
3) What are their u/w standards...? again compared to Top tier life companies.
4) How do they u/w cases with health issues, where a fairly serious rating would be involved for a top tier co, as mentioned...? Do they rate, decline, etc... and if so, how compared to the other life cos...?
I appreciate you knowledge and feedback on the above...
NAA used to have shlock companies like old mutual and foresters. Dont know what they have now. They dont have anything that can compete with Genworth. NAA is not a carrier, they are a just a pyramid sales company that uses carriers.
No one needs decreasing term. Some of their shlock companies have it but it is more expensive than level term with a good carrier. Also, dont feed into the bit about "the other agent has mortgage insurance." Your client needs to know what mortgage insurance is. It is term, and sometimes with a disability rider. So why not get the best rate for term. Dont let the NAA types hocus pocus around as though they are giving clients a special rate for having a mortgage etc. That is all crap.
Yes, it is non-med. It is also two to three times as expensive. Lots of mortgage insurance types here say that that is what the clients want- non-med. They dont if they have to pay two to three times as much for it. If you lay it out the way they do, that someone will otherwise stick a ten foot needle in you and your private parts will fall off, then some of them do want it. They dont have any affordable plans to offer so it is not much of a choice for the NAA types anyway. Even if the company is not NAA, the principles are the same. Mutual of Omaha has non-med term but it is also twice the cost of an underwritten product.
Also, most of those non-med plans are either accept or decline. They have no process for dealing with medical conditions that require underwriting. They spin this bit about them accepting as standard a wide range of conditions. That is true because their standard is either a Table C or D rating. In other words if you go with a non-med carrier you have already agreed to be rated up even though they call it standard. Some deal.
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Re: Is anyone going to the dahammm Convention (National Agents Alliance) (NAA)Go to Top
This person would never qualify for non-med, as there are some serious health issues.... fully u/w it ill be a tbl 4-6, my best guess... So what would NAA, et al have for someone like that...?
Re: Is anyone going to the dahammm Convention (National Agents Alliance) (NAA)Go to Top
Originally Posted by SportsNut
This person would never qualify for non-med, as there are some serious health issues.... fully u/w it ill be a tbl 4-6, my best guess... So what would NAA, et al have for someone like that...?
Some non-meds go up to table 6 and I recently heard of a simplified up to table 8.
The one thing you can rest assured of is that they will not be able to compete against the big guys like ING, Genworth, Banner, etc...
I wouldn't even focus on what they are offering because if you have a solid presentation of the carrier you want to take them through; I think they will ultimately choose you.
Good luck.
Re: Is anyone going to the dahammm Convention (National Agents Alliance) (NAA)Go to Top
Originally Posted by SportsNut
This person would never qualify for non-med, as there are some serious health issues.... fully u/w it ill be a tbl 4-6, my best guess... So what would NAA, et al have for someone like that...?
Nothing worth considering. They have the option of putting the same case through as a fully underwritten case with forresters or old mutual or assurity if they still have those companies but the agents do not have the mind or headset to do fully underwritten and the carriers they have access to are second class. Then the client gets a decline and the client is worse off than before because he has that on record.
Find out as much about your clients medical condition as you can and have your borker agencies underwriter shop it around and then go with what they say. Get the client to submit an app quoted on what the underwriter said was reasonable then then go from there. If the client doesnt want to do it or if NAA has worked their magic then move on. You are responsible for helping your client- not for creating a brain for them.
Re: Is anyone going to the dahammm Convention (National Agents Alliance) (NAA)Go to Top
You also have the option of calling and doing risk assessments yourself. It isn't that difficult to do but make sure you have the full med history to do it. Call the carrier and ask for the risk assessment and they will give you an idea of where to rate them.
It is necessary that you know the facts of who you will be dealing with.
I found myself being extremely nauseated by the affidavit of Mr. Montebon.
I think most of the parties in this case have some shady behavior but regardless of that; there is no excuse for some of the things that took place.
I am not with EMG, nor do I have any business dealings with ANYONE named in this case. I am just a concerned citizen wanting to let people know what the real truth is.
I am with a completely separate IMO, where I am treated the way I should be and where I am able to make the money I need to make without fear that if should I decide to leave that someone may try to destroy everything I worked so hard for.
I want everyone to have that same opportunity.
Wow, that's some good info. If Mr. Montebon's statement is correct that's pretty low of what NAA and the other top manager are trying to do to him and his family. To go after a man's income when he's terminally ill and degrade him and his family by calling them unmentionable names is the lowest. One would think that taking care of one of your top members would go a long way in retaining agents instead of threats and panicking.
Re: Is anyone going to the dahammm Convention (National Agents Alliance) (NAA)Go to Top
Originally Posted by nka245
You also have the option of calling and doing risk assessments yourself. It isn't that difficult to do but make sure you have the full med history to do it. Call the carrier and ask for the risk assessment and they will give you an idea of where to rate them.
Hi,
I am a newbie and have been recruited by NAA. I have been reading this sites posts along with others (Indeed, Ripoff Report, etc.) and have concluded that NAA is not where I want to be associated with. Fortunately, I have come to this conclusion PRIOR to signing contracts, etc.
My question to you, as I can tell you are very experienced and seem to care about your fellow man, is WHO do you recommend that a newbie start up with? Who are the companies that provide a legitimate and fair service to both agent and clients where an agent is able to make a decent living?
Re: Is anyone going to the dahammm Convention (National Agents Alliance) (NAA)
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