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Posts posted by NAAIP Admin

  1. Subject Line: {$name}: It's All About the Benjamins w/ NAAIP

    "It's All About the Benjamins" is slang for making money. A Benjamin is a $100 dollar bill.  

    My job is to some how, some way figure out the way to get NAAIP to 20, 30 and then 40 and 50,000 users. To make NAAIP synonymous with high quality free-forever websites, quoters and sky high compensation if agents sell through us as the up-line. Currently, NAAIP is sitting at 10,674 registered users.

    Your job as a licensed insurance agent is to make a sale a day or a few sales a week. To be consistently earning 6 figures per year. 

    NAAIP technology is always improving but this latest improvement is a winner. Our programmers made https://www.naaip.org/quote-engine-agent-websites. Additional iFrame html quote engine widgets for FEX, health, medicare, homeowners, renters, boat, motorcycle, condo, business and more. We placed these quoters at the bottom of all sites. Agents can place the individual quoters on non-NAAIP sites using the codes from the link above. There is another day or two for the programmer to work to make the quoters for NAAIP sites more editable, etc. In the meantime, great programming work is sitting at the bottom of your NAAIP site. 

    Perfect programming and thousands of agents relying on our brain-power will help NAAIP get to 50,000 agents. I am all-in in helping agents succeed. Leads (getting in front of prospects) are so important for agents. I am constantly updating https://www.naaip.org/lead-services.

    NAAIP is part of an incredible incentive-based marketing programming. Free vacations, free restaurants. I have the ability to give away a free 4 day/3 night vacation in Orlando, Las Vegas, Cancun and dozens of other locations. I will be using these gifts to incentive you to

    1. Signup to NAAIP.
    2. Properly host your NAAIP site on your own domain.
    3. Do proper steps to move up Google, Google Local/Maps, etc.
    4. Sell insurance with NAAIP as the up-line. Incredibly high commissions, especially with with my favorite, FEX/Annuity/SPWL carrier. Join us at a conference call for details. 
    5. Remove the adverts on your site by selling/referring or paying a measly 99 cents per month. 

    Agents can use incentive-based marketing to boost business. You have to be aware of department of insurance regulations that forbid you from incentivizing the purchase of an insurance policy. Yet, incentivizing the filling out of a lead forms and meeting the agent seems to be OK as long as you don't demand that one must make a purchase in order to get the free vacation/restaurant. As well, incentivizing referrals from your existing clients is OK. Imagine showing your appreciation to your existing client base by giving them a free vacation after they refer you to their friends. Amazing. 

    If you decide to join this incentive based marketing program it would be $41/month. Click here. NAAIP is a partner/affiliate. Click our link which is also located on our lead-services page. Lots of good resources in the incentive-based marketing back office. Facebook lead help in particular.

    In the future, if you decide not to pay the $41/month you can have NAAIP send the free vacation/restaurant link to your people. I would love that you know this program well so that you can explain the program and have use of the resources in the incentive-based marketing's back office. 

    I figured out that Facebook and Facebook Groups is HUGE. Join NAAIP's Facebook Group https://www.facebook.com/groups/NAAIP.org

    We placed advertisements on - after 25 hits, to hide the ads you can sell through NAAIP, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and 9.99 afterwards. 

    Thank you for giving me the opportunity to help you earn more money.


  2. John Hancock announced Oct. 3 it is expanding its Apple Watch program to include the new Apple Watch Series 5.

    Beginning this fall, customers can earn the watch through the John Hancock Vitality Program for just $25, simply by being more active. The newest version of the watch features an always-on retina display, an updated compass, and international emergency calling, as well as hard fall and electrical heart sensors.

    Brooks Tingle, president and CEO of John Hancock Insurance, said the announcement further cements the company’s commitment to motivate and inspire customers to both protect their financial futures and live longer, healthier lives.

    “The Apple Watch has been an extremely popular and effective component of our program as customers who use it report increased motivation and physical activity, the bottom line in what we’re trying to do with our insurance,” Tingle said. “Healthier lives are not only good for our customers and their families, but good for our business and society as a whole.”

    In a recent survey of John Hancock Vitality members with Apple Watch, 84% said they are motivated to exercise by their Apple Watch and 90% wear an Apple Watch seven days a week. Furthermore, a RAND Europestudy of over 400,000 people, the world’s largest behavior tech study based on verified data, concluded that those who participated in Vitality’s Global Apple Watch programs averaged a 34% sustained increase in physical activity compared to participants without an Apple Watch.

    With the John Hancock Vitality Apple Watch program, policyholders can choose the Series 5 (40mm) or Series 3 (38mm), pay a $25 initial fee (plus tax), and get started. They can also customize their watch with features like cellular or a larger face size for a one-time upgrade fee.

    Whether they like to walk, run, bike or swim, it’s easy for participants to share their activities and earn points that go toward monthly payments for their watch over a two-year period. John Hancock Vitality members are able to fully fund their watch by meeting monthly physical activity targets.

    The John Hancock Vitality Program first launched in 2015. Through the program, customers can earn savings of up to 15%* on premiums and rewards for the everyday things they do to stay healthy, like exercising, eating well and getting regular checkups, including $600 in annual savings on healthy food purchases.

    As an extension of John Hancock Vitality, the Company first introduced the Apple Watch program in 2016, offering policyholders the opportunity to earn an Apple Watch to support their physical activity goals and earn points.

  3. Hello ,

    A huge part of selling financial products is coming across as a professional.

    Let's Do It!

    You're NAAIP is part of a list that is a.) not properly hosted or b.) has advertisements on their website. Not good. 

    For the longest time, I have been encouraging agents buy a domain and do proper hosting. Buying a domain from Godaddy using a coupon code is $5 for the first year and then $10 per year for the next two years. Afterwards it would be $18. I would recommend that you change over to Cloudflare at $8 per year instead of paying the $18.

    NAAIP websites are free forever, but we place advertisements on your site after 25 hits. You have the option to sell through us at the highest commissions levels in the industry or refer to us and the adverts will disappear. You can even sell through us years later and I will refund whatever payments you have made. In any case, the payments to hide the adverts are tiny. First month with a promo code is 99 cents and afterwards $9.99.

    Here is the plan. I can take care of everything. a.) Join the conference call and I will walk you through what must be done. It is described here anyways. https://www.naaip.org/buy-domain with relevant videos. I will give you the 99 cent promo code during the conference call. 

    The other alternative is to give me your credit card/paypal info.

    1. I will hide the advertisements on your site that appear after 25 hits. I will not use the promo code. It will be $9.99/month from the start. Obviously, if you sell via NAAIP and input sales in your NAAIP back office the adverts/payments would not be an issue.

    2. I will open a GoDaddy account for you and make a 3 year domain purchase. I will choose the domain from the list on https://www.naaip.org/buy-domain - We will be on sms/text message contact for you to confirm that you like the domain.  Then I will purchase the domain in your account for 3 years.

    3. I will properly host your website via DNS IP address in your GoDaddy and NAAIP back office. This is a 2 step process that takes 3 minutes. I will do this for you. 

    Hopefully, when your site is properly hosted you will spend the 13 minutes to learn how to move your site up Google, Google maps, Google local, etc. I am making a link to that YouTube video on this email.

    As my Daddy told me when I was a kid. Don't be Stupid!  lol. 

    Seriously, this is so easy and so important for you to impress others that you are a top-level professional. Let's do it. 

    As you know we placed advertisements on - after 25 hits, to hide the ads you can sell through NAAIP, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and 9.99 afterwards. 

    Thank you for giving me the opportunity to help you earn more money

    1. Live Daily Coaching Calls. I’ll teach a lesson on sales training, lead generation, or review an agent’s sales call, all with the goal of increasing your sales and marketing skill, so that you’ll get better results selling insurance.
    2. Learn Multiple Insurance Sales And Marketing Systems. In addition to my final expense sales and marketing system, you can now learn how to sell Medicare Supplements to folks turning 65 and older, in addition to learning how to sell and market for mortgage protection business, annuities, and critical illness insurance. This is great training for new agents looking to specialize in a market and wanting to know the best options, and for experienced agents looking for a product change.
    3. FREE Access To Term, Universal Life, Final Expense, Medicare and Annuity quote engines at footer of https://www.naaip.org.
    4. Learn How To Generate Insurance Leads Organically on YouTube and Through Google Search.
    5. Discover How To Create Your Own Facebook Ads And Eliminate The Lead Generation Middle Man.

  4. Hello Agent,

    For the longest time I have been shouting from the rooftop that agents should:

    1. Seek out the highest possible commissions.

    2. Figure out a lead system that works and then cut out the middleman/vendor. 

    Let's talk leads. Here, I created a page that could be considered the Wikipedia of insurance agent lead generation. I am constantly adding more information and links. Join our daily conference call for an in-depth discussion on this topic. 

    I have learned the following vis-à-vis insurance agent leads.

    1. Direct mail postcards and now Facebook leads are the primary lead source for a very high percentage of agents. 

    2. The postcard companies will sell you 1,000 postcards for $450-$500. Obviously, if postcards are a major part of your business you should print them yourself and send from the local post office.

    3. Facebook leads are much more complicated to set up for many agents. Facebook lead vendors are selling each FB lead from $20 to $25. Doing it yourself will have Facebook leads be between $4 and $8. This is a huge savings.

    4. To drum up business for our favorite FEX and Annuity Carrier which is Oxford Life - I will personally set up your Facebook account for you with your credit card. At a certain point, I will hand over the account back to you with instructions to press On to Activate the leads and Off and Deactivate. Very simple.

    In order for me to be intimately involved in your business, I need you to sell Oxford Life. Last month's newsletter explained why Oxford Life is my favorite carrier, notwithstanding super-high compensation. 

    I expect to be overloaded with work setting up Facebook advertising accounts for NAAIP/Oxford Life agents. Join our daily conference call for detailed discussion and sell lots of Oxford Life policies so I can put you at the top of the list

    It should be noted that I put back the 5 links of iPipeline at the footer of  NAAIP.org and this email. Many of the other 75 carriers that we contract agents for at the absolute highest commission are accessible via those 5 iPipeline links. Please register and be familiar with iPipeline.

  5. Let's keep this simple.

    1. I need you to know and sell www.naaip.org/oxford-life
    Oxford has three products that are superior to anything in the market-place.

    a. Final Expense - Super low rates - Point of Sale acceptance - simple application and then Point of Sale (POS) w/ InstaWrite - You will input the name, social security and dob (over phone or online) and get a Accept/Decline in 7 Seconds. Wow! Know this product - Oxford Life is our Flagship Product - Super High Compensation!

    b. Annuities - Among best payouts in industry on Fixed annuities (MYGA). Lifetime income, Indexed Annuities are superb. We offer recruiter level compensation to you. We want you to sell Oxford. 

    c. Single Premium Whole Life (SPWL). Point of Sale (POS) w/ InstaWrite - Accept/Decline in 7 Seconds.

    2. I need you to register for www.naaip.org/dental-plans (also offering discount health plans), and then place on your enrollment link on your NAAIP website.  When you first signed up, this was the one product that we placed at the bottom of your site. Many of you hid via banners & hyperlinks. Others took our advice and are earning beau-coup bucks since this is virtually the only product I have seen that sells itself. Visitors will buy while you sleep. I created a Youtube video showing you the steps you need to do to make this work.  https://youtu.be/ZhVXikKm_Iw 

    3. I see that you not properly hosting your domain name with NAAIP. It looks like you attempted to do so at the bottom of Profile Settings in your back office. - I see here -  and here -  As you know we placed advertisements after 50 hits, to hide the ads you can sell either oxford-life or dental-plans, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and 9.99 afterwards. 

    Go to this page for instructions to properly host Scroll down and you will see step one and two and a 3 minute video. Watch it. If you still cannot figure out just send me your user name and pw from godaddy.


    Website News

    1. We placed your office map at the bottom of every NAAIP site and on your contact page. If you see that it does not look good/showing world map please go into your back office and edit your address / hide the map. Map settings is the 19th button down on the left side.

    2. Those that are using our i-frame Stand-alone Med Sup & Term Life Quoters should slightly change the code. Remove the .php - your site will upload faster. 

    3. We now have a i-frame Stand-alone Auto Insurance Quoter - See the code in NAAIP back office. 

    4. Within a week we will have a data-capture forms and stand-alone iframe for additional insurances such as homeowners, motorcycle, rental, health, business, etc. 

    5. We have pretty-much solved the spam issue from your contact form. Lots of brain power went into this issue. 

    6. Within six weeks we will have a Living Will / Last Will & Testament on every NAAIP site. It is a huge project that will make your site more valuable. 

    7. We are in the process of being a more traditional IMO/FMO - So I had to hide the commission grid from the online. The compensation grid will now be accessible from your NAAIP back office. 

    Thank you for giving me the opportunity to help you earn more money.

  6. Question:  Agent is with another upline and she is with Walmart - Can the agent move to our upline and free mailer system (1,000 free mailers for every 5 sales)  and still get her Walmart the next year. 

    Answer:  If she has paid for the Walmart then it is hers.  She won’t lose her Walmart by working with us next year or even this year.  When next year comes up she can request that the store be released to us or she could just simply book it through the other upline again if she still has contracting with them.


  7. Question: for a 54 male on disability - in PA - He needs a medicare supplement - what is the commission.

    Answer:   Virtually all carriers pay less or don’t pay at all for under 65 business because claims are higher when someone has disability Medicare.  Shen and pays 2.25%, #3 does the same amount and they have the best plan G rates in PA.  Let me know if you have any questions.


  8. You would have to edit your MX records to point to your email company. Having your A record IP address has no effect on your email. You are in complete control of your DNS and MX records. You would have to update your MX records to point to your domain email address. Your email company or registration company can do this for you.

    I have a cheat sheet on MX records on this page for many email companies.   https://www.naaip.org/website/directory

    but you can easily google or youtube to see this info... As well, if done well it means you can receive the email. Otherwise you dont receive anything. 




  9. Humana 2020 MAPD & PDP Certification & Recertification are Now Open


    Dear Agents,


    Considering selling Humana MAPD and PDP products this year? Great! Now, earlier than ever, you can certify or recertify to sell MAPD and PDP products. As of Tuesday June 25th 12:00 PM EST, your Humana certification and recertification options are open!


    • Initial Certification will remain open until next summer.
    • Recertification Deadline: 5:00 PM EST on November 30th, 2019

    Not sure which to take? Check out the Certification and Recertification Launch Page.

  10. Lots of agents are always asking me how they can change over to N.A.A.I.P.'s Medicare Selling System.

    Why Change to N.A.A.I.P.?

    1. Expert Tutelage in Selling Medicare by Phone.
    2. Sell Medicare at Walmart - free table at Walmart during the OEP.
    3. Contracting access to literally every Medicare Advantage and Supplement Carrier. A few supplemental carriers sign exclusive deals with us - You cannot find them anywhere else.

    Changing from #1 & #2 Medicare Advantage entails sending an email to the carrier (if you cannot get a written release) and waiting 90 days (#2) and 180 days (#1) before you can sign new contracting (you have a 30 day window to submit that contract when the 90 or 180 days occurs). You must request that new contract link from the upline. Changing from #3 involves filling out a new contracting and special form and waiting 90 days.

    Details on this page - scroll down for exact wording of the emails, links, etc.

    Most Medicare supplement carriers have a 6 month of no sales/release or in the case of Mutual of Omaha Medicare supplement it is 12 months of no sales/release.

  11. Question:  need IUL for 43 yo male felon in in VA

    firearm conviction which includes malicious wounding .. firing into a residential dwelling.

    convicted of felony...was 4 years and 8 months in jail. not on probation.  was released 2015.. and had no probation.. it was domestic with brother..

     wants an IUL and put between 11 and 12 thousand in there...male 43 years old .. non smoker.. good health....2 small children... ... he owns a tree company.. that knocks down trees..

    and wants to put that 11-12k in every year.. he can show plenty of income on tax returns....

    agent tried with North American and got declined because of felony.. and seems to want about 500k - it could be that does not need so much life insurance and needs retirement pension at age 65..


    We just received this from Transamerica:

    TRANSAMERICA:   follow-up to our d/c………

    tentatively table –B- possibly standard  provided single charge, no history depression, no alcohol abuse  or alcohol criticism, no adverse MVR etc.    Keep in mind that he could be declined as well, but certainly worth submitting an application.

    The following companies have declined due to felony conviction with firearm.

    Nationwide, Minnesota, Banner Life, Principal Financial Group and AIG Life

    Banner Life may offer 2025 after 10 years have passed since released, so not until 2025.

    COLUMBUS, Mutual Omaha AND PROTECTIVE: declined as well

    Good morning Agent.  Unfortunately we are not having any success finding a carrier for this client.  A few have yet to respond, but it’s not looking good.  If we get some interest, we will let you know.



  12. Question: Allianz Life vs Columbus Life vs North America

    My target market is W2 employees in CA and I will use IUL for retirement planning. I may go out to TX as well. 
     I will need access to illustration software and I prefer the app be entirely digital. 
    Give me the pros and cons on Allianz. For instance, are they good with rated cases? Are they good with living benefits? Do they require blood in CA? How do they compare with cash accumulation and cash out for retirement planning?

    Answer:  Allianz has an e-app and is non-med up to 1.5 mil and age 60 provided the clients are healthy. They are not great with rated case and are not known for living benefits although they do have a decent chronic illness rider. However between the ages of 20 and 60 they are among the best, if not the best for cash accumulation and tax free income.  Columbus Life has a very solid product, e-app, non-med up to 1 mil, solid living benefits and will table shave from table c to standard up to 1 mil and age 70. They accumulate very well, but they are all S&P based and come in second to Allianz for accumulation and tax free income.

    Question: For cash accumulation, Columbus life over North American?
    Answer: I think so. I also think Columbus Life has better underwriting.
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