Americans For The Family 0 Maximizing Your Potential with NAA Representatives Americans for the Family .

Americans For The Family1

Maximizing Your Potential with

NAA RepresentativesNAA Representatives

Americans for the Familywww.naarep.com


Ground Rules

• Turn Off Cell Phones/Pagers

• Be Positively Offended

• Take Notes

• Be Interactive– Leave Questions For After Meeting– Must Laugh at all Jokes or We Will Do The 3 Hour Version

• Turn Off Cell Phones/Pagers

• Be Positively Offended

• Take Notes

• Be Interactive– Leave Questions For After Meeting– Must Laugh at all Jokes or We Will Do The 3 Hour Version


Agenda

• Define our business

• Snapshot of our success

• Income Projections

• What to do next

• Fast Start Incentive Program

• Define our business

• Snapshot of our success

• Income Projections

• What to do next

• Fast Start Incentive Program


Our Business DefinedOur Business Defined


Our Business – Our CrusadeAmericans for the Family

• Americans for the Family is an association of people who work with families to make sure they’re protected against circumstances that can financially devastate them

• Americans for the Family is postured to be the largest network of financial services professionals dedicated to helping families like yours and mine

• Americans for the Family is an association of people who work with families to make sure they’re protected against circumstances that can financially devastate them

• Americans for the Family is postured to be the largest network of financial services professionals dedicated to helping families like yours and mine


The Need

• Millions of Americans have no life insurance coverage– 61% of adult Americans have life insurance, a decline from

70% in 1984– 41% of adult Americans have individual insurance and rely

on group insurance, leaving them vulnerable if they lose a job

• Most People who have insurance don’t have enough– Post 9/11, U.S. gov’t recommends 12 times income for

couples with no children and 20 times income for households with children

– Average need is $459,000, but average owned is only $126,000

• Millions of Americans have no life insurance coverage– 61% of adult Americans have life insurance, a decline from

70% in 1984– 41% of adult Americans have individual insurance and rely

on group insurance, leaving them vulnerable if they lose a job

• Most People who have insurance don’t have enough– Post 9/11, U.S. gov’t recommends 12 times income for

couples with no children and 20 times income for households with children

– Average need is $459,000, but average owned is only $126,000


The Problem

• Current methods of distribution of sound life insurance programs just aren’t working to protect American families– Big name life insurance companies– Mom and Pop corner life insurance offices– Multi-line insurance brokers – everything to

everybody

• Americans for the Family and our crusade will change all that – with your help

• Current methods of distribution of sound life insurance programs just aren’t working to protect American families– Big name life insurance companies– Mom and Pop corner life insurance offices– Multi-line insurance brokers – everything to

everybody

• Americans for the Family and our crusade will change all that – with your help


Protecting the American Dream

• What is the American Dream?– For most of us, it’s to get a good job– Get married– Have children– Own a home– Have the children graduate from college and

then they get a good job– Have a comfortable retirement.

• What can happen to destroy it?– Life happens

• What is the American Dream?– For most of us, it’s to get a good job– Get married– Have children– Own a home– Have the children graduate from college and

then they get a good job– Have a comfortable retirement.

• What can happen to destroy it?– Life happens


Protecting the American Dream

• Most Valuable Asset is the Home– Families work hard to buy one and keep it– Takes two wage earners to keep a household

going these days– If something happens to just one of the wage

earners, the family is in real danger of losing their home

• Death• Disability

• We take care of these people – let’s look at an example of how we have done that

• Most Valuable Asset is the Home– Families work hard to buy one and keep it– Takes two wage earners to keep a household

going these days– If something happens to just one of the wage

earners, the family is in real danger of losing their home

• Death• Disability

• We take care of these people – let’s look at an example of how we have done that


McLean Family

• Bob’s an auto mechanic at a large car dealership. – His wife, Susan, works as a teacher’s aide at a local

elementary school. – They have three children: Bobby, Jr., Jennifer and Jason,

their new baby.

• Their original mortgage was for $98,500. – After living in their home for 3.5 years, their mortgage

balance is down to $92,000– Monthly payments of $629.

• We met with the McLeans right after they refinanced and helped put together a customized mortgage protection package that took care of their needs.

• Bob’s an auto mechanic at a large car dealership. – His wife, Susan, works as a teacher’s aide at a local

elementary school. – They have three children: Bobby, Jr., Jennifer and Jason,

their new baby.

• Their original mortgage was for $98,500. – After living in their home for 3.5 years, their mortgage

balance is down to $92,000– Monthly payments of $629.

• We met with the McLeans right after they refinanced and helped put together a customized mortgage protection package that took care of their needs.


McLean Family

• Bob died in a traffic accident• What our program did for Susan and their

children:– Susan received a death benefit check for $99,000– Plus $99,000 for the Accidental Death. – She used the money to pay off her mortgage --

$92,000– Put $30,000 in an emergency fund– Placed the balance -- $76,000 – aside for her

children’s educations.

• Bob died in a traffic accident• What our program did for Susan and their

children:– Susan received a death benefit check for $99,000– Plus $99,000 for the Accidental Death. – She used the money to pay off her mortgage --

$92,000– Put $30,000 in an emergency fund– Placed the balance -- $76,000 – aside for her

children’s educations.


McLean Family

• Why did the McLean family do better with our program than the credit life program at the bank?

• Why did the McLean family do better with our program than the credit life program at the bank?

Our Program Their Program

Level premium with level benefit

Level premium with decreasing benefit

Portable – follows the family

Terminates if family refinances or moves

Benefits paid to family Benefits paid to the bank

Covers more than just death

Only covers death


Other Benefits

• Critical Illness Coverage• Disability Protection• Waiver of Premium for Disability• Waiver of Premium for Unemployment• Return of Premium• Other Programs

– College Funding Programs– Retirement Planning Programs– Business Protection Programs

• Critical Illness Coverage• Disability Protection• Waiver of Premium for Disability• Waiver of Premium for Unemployment• Return of Premium• Other Programs

– College Funding Programs– Retirement Planning Programs– Business Protection Programs


Our HistoryOur History


National Agents AllianceWho Are We?

• NAA is an “Alliance” of independent professionals seeking to maximize their income opportunity through a:– Unified Vision

• Americans for the Family

– Nationwide System• System of prospects, training and products

– Experienced Leadership• Learn from people making the kind of money you want

to make

• Origins of Americans for the Family leadership date back to 1983

• NAA is an “Alliance” of independent professionals seeking to maximize their income opportunity through a:– Unified Vision

• Americans for the Family

– Nationwide System• System of prospects, training and products

– Experienced Leadership• Learn from people making the kind of money you want

to make

• Origins of Americans for the Family leadership date back to 1983


Spring 2003175 Apps per Week

$3MM +

$1MM +

$500K +

$250K +

$100K +

$ 50K +

$1 - 50K

$ 0

Legend

Location of top agencies


End of 2003800 Apps per Week$22 Million in Sales

$3MM +

$1MM +

$500K +

$250K +

$100K +

$ 50K +

$1 - 50K

$ 0

Legend




$3MM +

$1MM +

$500K +

$250K +

$100K +

$ 50K +

$1 - 50K

$ 0

Legend



End of 20051925 Apps per Week

$86 Million in Sales (Life & Annuity)

$3MM +

$1MM +

$500K +

$250K +

$100K +

$ 50K +

$1 - 50K

$ 0

Legend




(Life & Annuity)

$3MM +

$1MM +

$500K +

$250K +

$100K +

$ 50K +

$1 - 50K

$ 0

Legend



2007 Goals

$3MM +

$1MM +

$500K +

$250K +

$100K +

$ 50K +

$1 - 50K

$ 0

Legend


OUR GOAL FOR 2007$250 MILLION IN SALES

2,000,000 LEADS DISTRIBUTED20,000 NEW AGENTS

100 NEW AGENCY MANAGERPROMOTIONS

OUR GOAL FOR 2007$250 MILLION IN SALES

2,000,000 LEADS DISTRIBUTED20,000 NEW AGENTS

100 NEW AGENCY MANAGERPROMOTIONS


Our Market – Our Crusade“Americans For The Family”

• Our crusade is to help every family in America protect their homes for their families against death and disability

– 78 Million homeowners

– One out of every four American deaths is due to some form of cancer

– Overwhelming number of deaths are due to injuries at work.

• Our crusade is to help every family in America protect their homes for their families against death and disability

– 78 Million homeowners

– One out of every four American deaths is due to some form of cancer

– Overwhelming number of deaths are due to injuries at work.


• Target 1,200,000 homeowners weekly

• Pro Data Research (PDR)

• Generate over 12,000 leads a week

• KIT Marketing – “Keep In Touch”– Marketing system to passively generate

leads

• Target 1,200,000 homeowners weekly

• Pro Data Research (PDR)

• Generate over 12,000 leads a week

• KIT Marketing – “Keep In Touch”– Marketing system to passively generate

leads

Our Marketing System


Our Products

• We only partner with companies that provide the latest, cutting edge products and services that hold the grade A rating through companies such as A.M. Best– Value programs – not just the steep and cheap market– Innovative riders – always seeking the best for the client– The Number 1 mortgage protection program in the country!

• The independent agent’s strength in partnering with National Agents Alliance– Good deals with specific insurers come and go– Stability in agent income comes with the diversity and

negotiating clout that a company like National Agents Alliance provides them

– NAA will not contract with a company unless it is the best deal for the agent – remember that NAA is the “Agent’s” company

• We only partner with companies that provide the latest, cutting edge products and services that hold the grade A rating through companies such as A.M. Best– Value programs – not just the steep and cheap market– Innovative riders – always seeking the best for the client– The Number 1 mortgage protection program in the country!

• The independent agent’s strength in partnering with National Agents Alliance– Good deals with specific insurers come and go– Stability in agent income comes with the diversity and

negotiating clout that a company like National Agents Alliance provides them

– NAA will not contract with a company unless it is the best deal for the agent – remember that NAA is the “Agent’s” company


Support SystemYou’re In Business For Yourself But Not BY Yourself

• Weekly Agency Meetings• Hudgins Tuesday Training conference call• NAA Nationwide Wednesday conference call• 30 Regional meetings in Spring and Fall run by the

Owners of NAA and supported by our Insurance Carriers

• 2 Leadership Conferences – May and Aug• Annual National NAA Conference in January• MP3 training downloads• Published Leader Boards• Email Blasts• Direct Mail (PDR) programs• Training and support website (www.naaowens.com –

Agent Login)

• Weekly Agency Meetings• Hudgins Tuesday Training conference call• NAA Nationwide Wednesday conference call• 30 Regional meetings in Spring and Fall run by the

Owners of NAA and supported by our Insurance Carriers

• 2 Leadership Conferences – May and Aug• Annual National NAA Conference in January• MP3 training downloads• Published Leader Boards• Email Blasts• Direct Mail (PDR) programs• Training and support website (www.naaowens.com –

Agent Login)


Our Commitments

• Provide the best opportunity in the country for the part-time and full-time writing agent and the ambitious agency manager

• Provide the most comprehensive and abundant source of mortgage leads in all areas of the country

• Provide the most lucrative compensation program around that rewards productivity and leadership

• Provide the best sales training system and tools in the industry

• Develop Brand Recognition for the NAA name

• Provide the best opportunity in the country for the part-time and full-time writing agent and the ambitious agency manager

• Provide the most comprehensive and abundant source of mortgage leads in all areas of the country

• Provide the most lucrative compensation program around that rewards productivity and leadership

• Provide the best sales training system and tools in the industry

• Develop Brand Recognition for the NAA name


We Need Agents!

• There is a need out there for this program• We need agents who:

– Want to serve these families and make a difference

– Make a significant income part time or full time

• As an agent you will:– Consult with homeowners who have requested this

protection– Explain their options and answer questions– Put together a customized, affordable program for

them– Get paid when the program is placed

• There is a need out there for this program• We need agents who:

– Want to serve these families and make a difference

– Make a significant income part time or full time

• As an agent you will:– Consult with homeowners who have requested this

protection– Explain their options and answer questions– Put together a customized, affordable program for

them– Get paid when the program is placed


What We Bring To The Table

• Proven NAA Sales System– Proprietary selling system– High closing ratios

• Lead Generation– Pro Data Research– KIT Marketing – “Keep In Touch”

• Support System– Conference Call Training– Website Training– MP3/CD’s– Training Meetings and Conferences

• Proven NAA Sales System– Proprietary selling system– High closing ratios

• Lead Generation– Pro Data Research– KIT Marketing – “Keep In Touch”

• Support System– Conference Call Training– Website Training– MP3/CD’s– Training Meetings and Conferences


What About You?

• What do you bring to the table?• You have to have a goal in mind that you are

committed to achieve• Once you have a goal we will supply the game

plan to achieve it through our program• To implement our game plan successfully you will

need to:– Be teachable– Be accountable– W-O-R-K with PASSION– Sharpen your sword

• Plug into all the teleconferences and training meetings

• What do you bring to the table?• You have to have a goal in mind that you are

committed to achieve• Once you have a goal we will supply the game

plan to achieve it through our program• To implement our game plan successfully you will

need to:– Be teachable– Be accountable– W-O-R-K with PASSION– Sharpen your sword

• Plug into all the teleconferences and training meetings


Why are YOU Here?

• Out of 100 people age 65:– 59% are below broke or below ground

– 36% are barely making it (broke)

– 4% are okay

– 1% retire comfortably

• Out of 100 people age 65:– 59% are below broke or below ground

– 36% are barely making it (broke)

– 4% are okay

– 1% retire comfortably


Why are YOU Here?

• Looking for a part-time income opportunity to support your family?– College Savings for your kids?– Move into a better

• Home?• Neighborhood?• School System?

– You want to retire some day?– You want to bring your wife home from work to raise

your children?– Would an extra $1,000 a month make a difference?

• Looking for a part-time income opportunity to support your family?– College Savings for your kids?– Move into a better

• Home?• Neighborhood?• School System?

– You want to retire some day?– You want to bring your wife home from work to raise

your children?– Would an extra $1,000 a month make a difference?


Why are YOU Here?

If you are an Insurance Agent:

• Is your current lead program lacking?

• Limited income opportunity selling what your selling?

• Lousy sales and support system?

If you are an Insurance Agent:

• Is your current lead program lacking?

• Limited income opportunity selling what your selling?

• Lousy sales and support system?


Income ProjectionsIncome Projections


Part-time Income OpportunityPart-time Personal Producer - $3,600

Annualized Premium per Month

• $3,600 (4 sales/Mo or 1 per wk) • @ 75% Placement = $2,700

• @ 55% Contract = $1,485

• @ 75% Advance = $1,114

• Total Income - $13,368/Yr


• @ 55% Contract = $1,485

• @ 75% Advance = $1,114


YouAgent55%

YouAgent55%


Part-time Income OpportunityPart-time Manager-In-Training - $18,000

Annualized Premium per Month• Personal Production

– $3,600 (4 sales/Mo or 1 per wk) • @ 75% Placement = $2,700 • @ 65% Contract = $1,755 • @ 75% Advance = $1,316

• Agency of 4 Part-time Producers– 4 x $3,600 (4 sales/Mo or 1 per wk) = $14,400

• @ 75% Placement = $10,800 • @ 10% Contract Spread = $1,080 • @ 75% Advance = $ 810

• Total Income– $1,316 personal + $ 810 override = $2,126 x 12 =

$25,512/Yr

• Personal Production– $3,600 (4 sales/Mo or 1 per wk)

• @ 75% Placement = $2,700 • @ 65% Contract = $1,755 • @ 75% Advance = $1,316

• Agency of 4 Part-time Producers– 4 x $3,600 (4 sales/Mo or 1 per wk) = $14,400

• @ 75% Placement = $10,800 • @ 10% Contract Spread = $1,080 • @ 75% Advance = $ 810

• Total Income– $1,316 personal + $ 810 override = $2,126 x 12 =

$25,512/Yr

Agent

55%

Agent

55%

Agent

55%

Agent

55%Agen

t55%

Agent

55%

Agent

55%

Agent

55%

YouManager-

in-Training65%

YouManager-

in-Training65%


Income OpportunityFull-time Personal Producer - $14,400

Annualized Premium per Month


• @ 55% Contract = $5,940

• @ 75% Advance = $4,455



• @ 55% Contract = $5,940

• @ 75% Advance = $4,455


YouAgent55%

YouAgent55%


Income Opportunity Full-time Manager-In-Training - $72,000


– $14,400 (16 sales/Mo or 4 per wk) • @ 75% Placement = $10,800 • @ 65% Contract = $7,020 • @ 75% Advance = $5,265

• Agency of 4 Producers– 4 x $14,400 (16 sales/Mo or 4 per wk) = $57,600

• @ 75% Placement = $43,200 • @ 10% Contract Spread = $4,320 • @ 75% Advance = $3,240

• Total Income– $5,265 personal + $3,240 override = $8,505 x 12 =

$102,060/Yr

• Personal Production– $14,400 (16 sales/Mo or 4 per wk)

• @ 75% Placement = $10,800 • @ 65% Contract = $7,020 • @ 75% Advance = $5,265

• Agency of 4 Producers– 4 x $14,400 (16 sales/Mo or 4 per wk) = $57,600

• @ 75% Placement = $43,200 • @ 10% Contract Spread = $4,320 • @ 75% Advance = $3,240

• Total Income– $5,265 personal + $3,240 override = $8,505 x 12 =

$102,060/Yr

Agent

55%

Agent

55%

Agent

55%

Agent

55%Agen

t55%

Agent

55%

Agent

55%

Agent

55%

YouManager-

in-Training65%

YouManager-

in-Training65%


Income Opportunity Full-time Agency Manager - $288,000


– $0 - You no longer have to go into the field to sell

• Agency of 4 Managers-in-Training– 4 x $72,000 = $288,000

• @ 75% Placement = $216,000

• @ 20% Contract Spread = $43,200

• @ 75% Advance = $32,400

• Total Income– $0 personal + $32,400 override + $2,920 GA Bonus =

$35,320 x 12 = $423,840/Yr

• Personal Production– $0 - You no longer have to go into the field to sell

• Agency of 4 Managers-in-Training– 4 x $72,000 = $288,000

• @ 75% Placement = $216,000


• @ 75% Advance = $32,400

• Total Income– $0 personal + $32,400 override + $2,920 GA Bonus =

$35,320 x 12 = $423,840/Yr

MIT65%MIT65%

MIT65%MIT65%

MIT65%MIT65%

MIT65%MIT65%

YouAgencyManager

85%

YouAgencyManager

85%


Income OpportunityMaster Manager - $1,152,000 Annualized

Premium per Month

• Agency of 4 Agency Managers– 4 x $288,000 = $1,152,000

• @ 75% Placement = $864,000


• @ 75% Advance = $162,000

• Net Total Income– $0 personal + $162,000 override + $40,629 GA Bonus =

$202,629 x 12 = $2,431,548

• Agency of 4 Agency Managers– 4 x $288,000 = $1,152,000

• @ 75% Placement = $864,000


• @ 75% Advance = $162,000

• Net Total Income– $0 personal + $162,000 override + $40,629 GA Bonus =

$202,629 x 12 = $2,431,548

AM85%AM85%

AM85%AM85%

AM85%AM85%

AM85%AM85%

YouMaster

Manager110%

YouMaster

Manager110%


2006 Income Ring Recognition


Now It’s Up To You

• There is no question that NAA will grow to a billion dollar company in the next 5 years

• The question is – will you be part of that growth, making the kind of income you think you’re worthy of?

• We can’t guarantee your success in our program

• We can only guarantee that we can give you a shot

• The rest is up to you

• There is no question that NAA will grow to a billion dollar company in the next 5 years

• The question is – will you be part of that growth, making the kind of income you think you’re worthy of?

• We can’t guarantee your success in our program

• We can only guarantee that we can give you a shot

• The rest is up to you


Where’s the catch? What does this cost to get started?

Non-licensed Licensed

Class for state exam (Paid to Able, Inc.) $79.95 $0

State Exam (Paid to State) $65 $0

Permanent Licensing fee (Paid to State) $50 $0

Temporary Licensing Fee includes Permanent Licensing Fee (Paid to State)

$150 $0

Start-Up Fee with us $0 $0

Total(With Temp License)

$194.95 (+$100)

$0

*These fees are an average across the country and are specific for Texas.


License Scholarship Program

• This position requires a life insurance license– 40 hour class– Application fees– Background investigation– About $200 total

• The NAA Scholarship Program– If you buy your own policy for your family

through us – 50% paid– If we sell another policy in your sphere of

influence – another 50% paid

• This position requires a life insurance license– 40 hour class– Application fees– Background investigation– About $200 total

• The NAA Scholarship Program– If you buy your own policy for your family

through us – 50% paid– If we sell another policy in your sphere of

influence – another 50% paid


The Next StepThe Next Step


The Next Step

• Contact the agent that invited you to this meeting and let them know your interest level.

• If you don’t have your life insurance license:Go to www.naarep.com and click on “Careers” then“Licensing Info”.

• Once licensed or if you already have your license, get the contracting paperwork filled out and register for the next new agent training meeting.

• Find out when and where the next regional meeting or conference is to meet the leaders in NAA and make plans to attend.

• Start thinking of your list of top 30 people that you would hate to see lose their homes because they don’t have our program

• Put together your near term income goals and ask the person that invited you what you need to do to achieve those goals

• Contact the agent that invited you to this meeting and let them know your interest level.

• If you don’t have your life insurance license:Go to www.naarep.com and click on “Careers” then“Licensing Info”.

• Once licensed or if you already have your license, get the contracting paperwork filled out and register for the next new agent training meeting.

• Find out when and where the next regional meeting or conference is to meet the leaders in NAA and make plans to attend.

• Start thinking of your list of top 30 people that you would hate to see lose their homes because they don’t have our program

• Put together your near term income goals and ask the person that invited you what you need to do to achieve those goals


Fast Start Incentive ProgramFast Start Incentive Program


To Get Started Fast – 1st 45 Days

1. Top 30 List• Age 25 and up• Married• Children• Home• Work• Healthy

2. Purchase a policy for yourself (no phonies)

1. Top 30 List• Age 25 and up• Married• Children• Home• Work• Healthy

2. Purchase a policy for yourself (no phonies)


To Get Started Fast – 1st 45 Days

3. Attend Meetings/Conference Calls• Weekly training

• Tuesday conference call (Hudgins)

• Wednesday conference call (NAA)

• NAA Regional Meetings

• Etc.

4. Goal is to make 12 to 15 sales so you can talk to your agency about your first promotion

5. 1st promotion by the end of 45 days (Important!) through the Fast Start Program

3. Attend Meetings/Conference Calls• Weekly training

• Tuesday conference call (Hudgins)

• Wednesday conference call (NAA)

• NAA Regional Meetings

• Etc.

4. Goal is to make 12 to 15 sales so you can talk to your agency about your first promotion

5. 1st promotion by the end of 45 days (Important!) through the Fast Start Program


Fast Start Program – 1st 45 Days

• Recruit 3 People• Make 8 Personal Sales• Move up to 60%

contract• Override the new

recruits by 5 points• Next Step – Manager In

Training Program

• Recruit 3 People• Make 8 Personal Sales• Move up to 60%

contract• Override the new

recruits by 5 points• Next Step – Manager In

Training Program

New Recrui

t55%

New Recrui

t55%

New Recrui

t55%

New Recrui

t55%

New Recrui

t55%

New Recrui

t55%

YouFast Start60%

YouFast Start60%


Americans For The Family 0 Maximizing Your Potential with NAA Representatives Americans for the Family .

Documents

family americans

adult americans

crusade americans

life insurance coverage

individual insurance

group insurance

insurance dont

need millions of americans