NAA or Something Else?

Birdman300

Guru
100+ Post Club
I joined NAA a little over a year ago, sold some FE, and Term products part time in the evenings. Then about 30 days into it I got really busy with my full-time business that I owned and stopped doing anything with NAA. It has been about a year since I wrote a policy.

The business that I owned is no more (this is a good thing) and I'm looking to get back into selling insurance full time. I've read a lot of information on here about the pros and cons of working with NAA. Even though I have had my license for about a year I still feel like I have a lot to learn. I like that NAA spent a lot of time training me and providing learning resources. I also like that they helped me get appointed quickly with several carriers.

I don't like the Kool-Aide parties (quarterly conferences and the weekly meetings), and recruiting. I just want to sell insurance (life, FE, annuities). I don't mind paying for leads but I'm not excited about paying for recycled leads. I would prefer to get recent leads that target a specific demographic for the specific product.

I would also like to begin building my own book of P&C while doing this. NAA does not offer any P&C products so I'll have to get appointed another way but I don't know how. I also want to earn higher commissions than 55%. I've read on here about people earning 80%-90% right out of the gate.

I haven't quite made the commitment yet to go back to NAA so I'm seeking advice from anyone who has the knowledge/expertise/experience to point me in a better direction.
 
i joined naa a little over a year ago, sold some fe, and term products part time in the evenings. Then about 30 days into it i got really busy with my full-time business that i owned and stopped doing anything with naa. It has been about a year since i wrote a policy.

The business that i owned is no more (this is a good thing) and i'm looking to get back into selling insurance full time. I've read a lot of information on here about the pros and cons of working with naa. Even though i have had my license for about a year i still feel like i have a lot to learn. I like that naa spent a lot of time training me and providing learning resources. I also like that they helped me get appointed quickly with several carriers.

I don't like the kool-aide parties (quarterly conferences and the weekly meetings), and recruiting. I just want to sell insurance (life, fe, annuities). I don't mind paying for leads but i'm not excited about paying for recycled leads. I would prefer to get recent leads that target a specific demographic for the specific product.

I would also like to begin building my own book of p&c while doing this. Naa does not offer any p&c products so i'll have to get appointed another way but i don't know how. I also want to earn higher commissions than 55%. I've read on here about people earning 80%-90% right out of the gate.

I haven't quite made the commitment yet to go back to naa so i'm seeking advice from anyone who has the knowledge/expertise/experience to point me in a better direction.



efes.........................
 
Yea, EFES.

They don't handle any p&c, I don't think, but I wouldn't try and do both at least not at first.
 
Anything BUT NAA.

First-person training makes all the difference.

I started with EFES 2.5 years ago and had my training 2 hours south from me; his assistance made a huge difference.
 
I joined NAA a little over a year ago, sold some FE, and Term products part time in the evenings. Then about 30 days into it I got really busy with my full-time business that I owned and stopped doing anything with NAA. It has been about a year since I wrote a policy. The business that I owned is no more (this is a good thing) and I'm looking to get back into selling insurance full time. I've read a lot of information on here about the pros and cons of working with NAA. Even though I have had my license for about a year I still feel like I have a lot to learn. I like that NAA spent a lot of time training me and providing learning resources. I also like that they helped me get appointed quickly with several carriers. I don't like the Kool-Aide parties (quarterly conferences and the weekly meetings), and recruiting. I just want to sell insurance (life, FE, annuities). I don't mind paying for leads but I'm not excited about paying for recycled leads. I would prefer to get recent leads that target a specific demographic for the specific product. I would also like to begin building my own book of P&C while doing this. NAA does not offer any P&C products so I'll have to get appointed another way but I don't know how. I also want to earn higher commissions than 55%. I've read on here about people earning 80%-90% right out of the gate. I haven't quite made the commitment yet to go back to NAA so I'm seeking advice from anyone who has the knowledge/expertise/experience to point me in a better direction.

Any direction is a better direction.
 
I joined NAA a little over a year ago, sold some FE, and Term products part time in the evenings. Then about 30 days into it I got really busy with my full-time business that I owned and stopped doing anything with NAA. It has been about a year since I wrote a policy.

The business that I owned is no more (this is a good thing) and I'm looking to get back into selling insurance full time. I've read a lot of information on here about the pros and cons of working with NAA. Even though I have had my license for about a year I still feel like I have a lot to learn. I like that NAA spent a lot of time training me and providing learning resources. I also like that they helped me get appointed quickly with several carriers.

I don't like the Kool-Aide parties (quarterly conferences and the weekly meetings), and recruiting. I just want to sell insurance (life, FE, annuities). I don't mind paying for leads but I'm not excited about paying for recycled leads. I would prefer to get recent leads that target a specific demographic for the specific product.

I would also like to begin building my own book of P&C while doing this. NAA does not offer any P&C products so I'll have to get appointed another way but I don't know how. I also want to earn higher commissions than 55%. I've read on here about people earning 80%-90% right out of the gate.

I haven't quite made the commitment yet to go back to NAA so I'm seeking advice from anyone who has the knowledge/expertise/experience to point me in a better direction.

The best training I ever got in this business was from NAA. I still use much of what I learned at NAA in my business everyday.

Would I start there again now knowing what I know today? Probably not, but I didn't know anything then. I started at 65% contracts and thought it was good. I moved to 80% pretty quickly and thought that was great.

It all depends on the manager you get with and how they train. But that's true of every IMO out there.

You had EFES mentioned to you. I would second that if you are looking to sell FE. But, again, there are great managers and trainers at EFES and there are some pretty lousy ones too.

I'm not the believer in hands on training that some are but it couldn't hurt to do a ride along.

It's going to be hard to find a marketer that will give you the real lowdown on the business. It's hard enough to find a marketer that can actually do the business that they are recruiting you to do. Much less an honest one.
 
The best training I ever got in this business was from NAA. I still use much of what I learned at NAA in my business everyday.

Would I start there again now knowing what I know today? Probably not, but I didn't know anything then. I started at 65% contracts and thought it was good. I moved to 80% pretty quickly and thought that was great.

It all depends on the manager you get with and how they train. But that's true of every IMO out there.

You had EFES mentioned to you. I would second that if you are looking to sell FE. But, again, there are great managers and trainers at EFES and there are some pretty lousy ones too.

I'm not the believer in hands on training that some are but it couldn't hurt to do a ride along.

It's going to be hard to find a marketer that will give you the real lowdown on the business. It's hard enough to find a marketer that can actually do the business that they are recruiting you to do. Much less an honest one.

I appreciate the feedback.

Was there any one product/carrier that you sold a lot of at NAA? Why did you leave NAA?

What organizations offer higher commission rates (75-80%+) right out of the gate? I like the thought of EFES but I'm not sure if FE is the only thing I want to do. I'd like to keep doing life insurance as well as IUL and Annuities.

If I can get a better deal somewhere else then I won't think twice.

----------

Anything BUT NAA.

First-person training makes all the difference.

I started with EFES 2.5 years ago and had my training 2 hours south from me; his assistance made a huge difference.

Thanks for the advice. What are the commission rates for them? Am I limited to only selling FE if I go with them. I really like doing Life (term, whole, IUL).
 
My advice is to pick one line only to focus on for a year or two until you become an expert.

You see a lot more top gun agents as specialists (JDEasy, HoosierDaddy) than you do as generalists.

The most important point is to pick a niche you believe in and that fits your personality type, and run with it.

I like final expense because there's little-to-no service, you close the business on the first call 90% of the time, and it's a product that does well by the people I sell it to.

However, I have always had a curiosity about life, and I've personally had to put the brakes on "branching out" into different lines; every time I tried to, I ended up taking valuable time away from selling what I'm actually good at -- final expense.

Comp is dependent on your upline like at any organization, but probably is going to end up between 80% and 90% FYC.
 
I joined NAA a little over a year ago, sold some FE, and Term products part time in the evenings. Then about 30 days into it I got really busy with my full-time business that I owned and stopped doing anything with NAA. It has been about a year since I wrote a policy. The business that I owned is no more (this is a good thing) and I'm looking to get back into selling insurance full time. I've read a lot of information on here about the pros and cons of working with NAA. Even though I have had my license for about a year I still feel like I have a lot to learn. I like that NAA spent a lot of time training me and providing learning resources. I also like that they helped me get appointed quickly with several carriers. I don't like the Kool-Aide parties (quarterly conferences and the weekly meetings), and recruiting. I just want to sell insurance (life, FE, annuities). I don't mind paying for leads but I'm not excited about paying for recycled leads. I would prefer to get recent leads that target a specific demographic for the specific product. I would also like to begin building my own book of P&C while doing this. NAA does not offer any P&C products so I'll have to get appointed another way but I don't know how. I also want to earn higher commissions than 55%. I've read on here about people earning 80%-90% right out of the gate. I haven't quite made the commitment yet to go back to NAA so I'm seeking advice from anyone who has the knowledge/expertise/experience to point me in a better direction.

Good advice!!!!!!!!!!!!
 
My advice is to pick one line only to focus on for a year or two until you become an expert.

You see a lot more top gun agents as specialists (JDEasy, HoosierDaddy) than you do as generalists.

The most important point is to pick a niche you believe in and that fits your personality type, and run with it.

I like final expense because there's little-to-no service, you close the business on the first call 90% of the time, and it's a product that does well by the people I sell it to.

However, I have always had a curiosity about life, and I've personally had to put the brakes on "branching out" into different lines; every time I tried to, I ended up taking valuable time away from selling what I'm actually good at -- final expense.

Comp is dependent on your upline like at any organization, but probably is going to end up between 80% and 90% FYC.

What does JDEasy, and HoosierDaddy specialize in?

So I'm trying to work up a potential cash flow projections to see how that will work for me. What would be a good average FE AP per client? Average clients/week? Lead cost/week? Close ratio?

Will I be limited by leads available in my area? One of the reasons I'm hesitant to specialize in one line is because in the town I live in the population is small (<100k). Is that big enough to specialize? I don't mind traveling to other locations to make it work. I live in Southern Utah (1.5 hours north of Las Vegas) and I'm licensed in UT, & NV. I could easily get licensed in another state but I would only do that if it makes good sense. What kind of support does EFES offer for training and product? Is it only one carrier or multiple?

Sorry for firing off so many questions at once.
 
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