Monthly Archives: July 2012

Break Free From Your Rut and Build A Better Life

The Albright ChallengeWe’ve all hit a rut in our lives—it’s that holding place that we know we need to get out of, but you just don’t know how to go about it.

With the 2008 recession in the past and our country seemingly gaining momentum, it should serve as a sign that your days in the rut are over are there are new beginnings on the horizon. You can no longer use the “recession” as your excuse for building a better life and future for yourself.

Those goals of starting your own business, grabbing that coveted promotion or becoming successful in your endeavors, are no longer allowed to be placed on the back burner. Goals are never reached without VISION, MOTIVATION, and ACTION.

What is your vision do you see for yourself? Do you want to build a profitable business, reach the next level in your career, or create a product to change the world?

Next, what is your motivation? Do you want to provide a better life for your children, or do you want to take that vacation around the world that you always dreamt of?

Lastly, what steps are you taking in order to reach those goals and aspirations? Remember, nothing changes unless you begin to change your situation!

But, sometimes making plans doesn’t always make those plans happen! That’s where The Albright Challenge comes in.

The Albright Challenge is a 90-day comprehensive program that helps you make your tomorrow better than your today. With this program you can realize your dreams and work toward achieving them with daily videos and action steps from multi-millionaire and President and CEO of National Agents Alliance, Andy Albright.

This powerful program can transform your life both professional and personally, taking you to heights you never imagined in only 90-days. To get a taste of The Albright Challenge, just visit www.albrightchallenge.com to sign-up for a FREE trial!

Go ahead; make the decision to change your life today!


Lead Certification class sells out at Raleigh LeadCon

NAA's Lead Performance Team Banner

The Lead Performance Team held a sold-out lead certification class prior to National Agents Alliance’s Leadership Conference in Raleigh, N.C. on July 12, training 250 people on NAA’s most powerful recruiting tool: the lead system.

Participants included people from new agents to administrative staff, and even some of the more experienced managers at National Agents Alliance. The goal of the class is to teach people something they can apply toward their role or position immediately to help their business and to answer any questions they might have.

The class takes you through the process – from collection of data to the creation of all lead types – and offers tips on how to fully use the OASys system. The LPT of Sandra Sheckells, Wendy Brunick, Hunter Tickle and Samantha Osborne taught everything possible to make sure agents get the best return on their investment. This class is one of the important steps to check off your list when it comes to becoming Lead Purchase Authorized, which allows you the ability to purchase your own leads for you and your team.

The next series of lead certification classes will be held at each of NAA’s four Fall Forward events this October in Atlanta, Ga.; Burlington, N.C.; Los Angeles, Calif, and Dallas Texas. The course costs $29 or $49 if you want a box lunch included.

The Lead Performance Team

Upcoming Classes:

2012 Fall Forward-Atlanta, GA: October 5, 2012
2012 Fall Forward-Burlington, NC: October 12, 2012
2012 Fall Forward-Los Angeles, CA: October 19, 2012
2012 Fall Forward-Dallas, TX: October 26, 2012

Lead Certification Class (8:30am-12:00pm)


Happy Birthday NAA!

National Agents Alliance 10th Anniversary

National Agents Alliance celebrated its 10th anniversary during the “Key To Tomorrow” Leadership Conference in Raleigh, N.C. on July 12-15.

The celebration started Thursday when Foresters held its pre-conference party that featured live music and a cake commemorating NAA’s decade in business.

On Saturday night, DJ Billy kept the music going as agents spent time toasting each other during a special NAA birthday party.

What has National Agents Alliance meant to people since 2002?

How about 940,000 families protected?

How about 98 billion in coverage offered?

How about helping people realize they can have a better life?

Those are just a few of the noteworthy achievements of The Alliance in its first 10 years in business.

What started as an idea in NAA President and CEO Andy Albright’s basement has grown into a national Insurance Marketing Organization that is second-to-none when it comes to teamwork, technology and lead generation.

It’s hard to believe there was a time when NAA has only one carrier. Today, The Alliance is in business with billion-dollar insurance companies like Mutual of Omaha, Foresters and ING … just to name a few.

National Agents Alliance has grown into the number-one biggest producing agency for some of the largest insurance companies across the globe, including Mutual of Omaha, Financial and Guaranty, Columbian Financial Group, Foresters, Monumental and Assurity.

Another goal from the beginning was to not only help people protect their families, but to also support various charities. NAA has stuck to that goal by volunteering with playground builds, school refurbishments in other countries, Duke Children’s Hospital and Children’s Miracle Network events and supporting many other organizations that “make a difference” in the world for those in need.

“I’m proud of what we have done up to this point, but the Alliance is far from finished,” Albright said. “The long-term history has yet to be written. We will always push to be better and to help more people in the process. It’s too much fun for the company and our agents, and what we do is too rewarding to stop now.

“It all goes back to having fun, making money and making a difference in a world that is constantly changing. That’s what we did by starting National Agents Alliance, it’s what we do now and it is going to be the driving force behind what takes us to the next level and to becoming a billion-dollar company. If I did not believe those things 100 percent, then I would not invest my time, efforts and all that I can personally each and every day. We are going to be remembered for changing lives and helping people when it is all said and done.”

The little company that said it was going to “Have Fun, Make Money and Make a Difference” is 10 years old, but we’re just getting started. The best is yet to come!


MIB Life Index: Life Insurance Applications See Increases for June

Thumbs up!According to a new report by MIB Life Index, underwritten life insurance application activity in the U.S. increased 2.1 percent in June, for all ages combined year-over-year.

The report also revealed that the Index has posted positive numbers in eight of the last nine months, however quarterly numbers show easing growth — up +1.3% Q2 2012/2011, up +4.2% Q1 2012/2011. In the first six months of 2012, the MIB Life Index increased +2.8% year-to-date (YTD), compared to the same six months last year. June’s numbers were also up +2.2% from those of May.

U.S. application activity also increased across all three age groups for the second consecutive month: ages 0-44, up +2.0%; ages 45-59, up +0.7%; and ages 60+, up +4.5%, year-over-year. Mid-year, ages 0-44 are up +1.9% YTD; ages 45-59 are up +2.0% YTD; and ages 60+are up +7.3% YTD versus same period last year, the report found.

Things are looking good out there for the National Agents Alliance team, go get you some!


Life Insurance Coverage on a Broke Man’s Budget

Shrinking Piggy BanksTimes are tough for many Americans, as the job market and the country’s economy hit a major slump. Many Americans are left living paycheck to paycheck and scraping together change to make it from one week to the next. Because of our current economic situation, the thought of purchasing life insurance has often been put on the back burner.

It is widely believed by most consumers that life insurance policies are expensive, when in fact that couldn’t be further from the truth. In fact, a LIMRA report found that consumers inaccurately believe that life insurance costs nearly three times the actual price. For instance, a healthy 30-year-old consumer, who wants a 20-year, $250,000 term life policy can expect to pay only an average annual cost of $150.

As National Agents Alliance team members, you have no doubt had enough exposure those struggling in with the current economic state to know that even with a low average annual premium, many policies may still be too high of a cost for a lot of families.  However, there are some options available that you can advise a client that could help them get coverage they can afford:

  • Purchase only as much term life insurance that you can afford right now:  Term life insurance covers a fixed period of time, like 10, 20, or 30 years, and pays a death benefit if you pass away while the policy is active. The premiums are lower the younger and healthier you are, which is beneficial to those who are on a shoe string budget and are young and healthy. But, the older you get, means the premiums also raise.
  • Annual renewable term life:  Annual renewable term life guarantees your insurability for a set period of time. However the premium increases each year during the term, based on your age. With level-premium term life, the premium stays the same for the entire term. In the early years of the policy, premiums for annual renewable term life are less expensive than those for a comparable level-term life policy, Nasdaq reports.
  • Compare: Don’t be afraid to comparison shop and compare policies and prices to one another.
  • Don’t just look for the best price: Sometimes the best price doesn’t means it’s the best policy. You should always shop for quality. What’s the point of having a life insurance policy that doesn’t cover anything, or makes you jump through hoops when trying to file a claim?


Dig Yourself Out of that Rut!

Get Yourself Out Of That Rut!Have you been stuck in a rut? Do you have all these great plans for what you would like to do, but don’t know how to go about it, which has left you in between a rock and a hard place? The ties to your current situation can make you feel like you’re stuck where you’re at, and make it seem impossible to reach the next level.

While many people want to place blame of their current situation on others, the ugly truth is that your life is your own responsibility. It’s up to you to break out of that rut and break free from the comfort zone of your current situation – Here at National Agents Alliance, we’ve seen so many individuals do this that we know you can too!

If you want to break from the mundane, author and leadership coach John C. Maxwell has some tips that can help you climb out of your rut:

  • Accept responsibility for your own life: It’s easier to blames others or outside factors for your current situation, but at the end of the day you are only responsible for yourself. Yes, things do happen to good people, but it is your choice on how you handle and rise above them.

Take time to examine your life and how you’re spending it. Where can you take responsibility to make changes—even if your past choices haven’t led to your present predicaments? Getting out of a rut begins with the acknowledgement you must make the choices to do so,” Maxwell suggests.

  • Know where you want to be: Knowing where you want to go is the first step.  You need to have a specific vision of where you would like to be, not just something broad like, “being successful.”

You’re going to spend your life doing something. It might as well be what you really want to do. Have you given yourself a target? Have you written out your goals and described your dreams? If not, you need to,” Maxwell suggests.

  • Divide your dream into manageable parts: As Andy Albright says, “Inch by inch, anything is a cinch.” The same concept applies here.

“One thing that often paralyzes people is having a dream or even a big goal with no realistic way of achieving it. How do you solve that? By breaking it down into bite-sized pieces that you accomplish with focused effort,” Maxwell says.

  • Take action today: Nothing great is ever accomplished by sitting idly. Get up, and make some moves toward your goal and the position you want to be in.

What kind of action can you take today that will start moving you out of your rut and take you one small step closer to your dream? It doesn’t have to be a big step. It doesn’t even necessarily have to be a significant step. It just needs to be a step in the right direction,” Maxwell explains.

 

“My one final piece of advice is to tell you to get help. Too often we are so embarrassed about where we are that we become afraid of admitting to someone else that we’re stuck. That shouldn’t be. There’s no shame in getting stuck—only in staying that way when you have a choice to change,” Maxwell urges.


Need More Annuity Sales? Compare it to Social Security!

Annuities for Your Nest EggFor many older Americans, Social Security immediately comes to mind when they think of retirement benefits. That sense of security and monthly income puts them at ease when entering their “Golden Years.” But by explaining annuities and their benefits the same way retirees understand and view Social Security, you could see your National Agents Alliance annuity sales increase dramatically.

The problem is, most Americans don’t understand annuities and believe it’s just another expense. But, when you break it down like Social Security they can better understand how annuities can help them during retirement.

LifeHealthPro.com has broken down how retirees view and what they don’t consider when it comes to Social Security:

How retirees view Social Security:

  • They view Social Security as a monthly income plan.
  • They can tell you exactly what they will receive in benefits at a given age, because of the certainty it provides.
  • They understand that the longer they wait to take income the more income they will receive.
  • The income is actually increased by 4 percent to 8percent per year as they wait to start taking it. A boomer gets a whopping 8 percent increase each year they delay the income.
  • These benefits are viewed as stable, predictable and backed by the government.

What retirees don’t consider when it comes to Social Security:

  • “How much money did I have to put into Social Security to get this monthly income?”
  • “What rate of return did I make on my money that I’ve paid into Social Security?”
  • “What is my account balance on my Social Security account for lump-sum withdrawal?”

By challenging your clients to consider those questions when talking about annuities and Social Security, it will get them to think about and really consider other retirement planning options. It is very seldom that Social Security can cover your basic needs and live a comfortable lifestyle and as an agent with National Agents Alliance, it is important to make your clients aware of the options they have to supplement it.  By talking about how annuities can help to fill that gap, you can continue to assist your clients with leading a more comfortable retirement.


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