United American Insurance News and Happenings.

WBear, So you're not working for U A ?

No, i am not. i already had my money refunded. i can't be spending $300 to get started at a job and the risk seems high when i am a full time college student. I have 2 other guarenteed positions elsewhere which i'm going to follow up on.

Lindsay in Lake Saint Louis, Missouri said: Mr. White~

Aside from your objectionable vernaculars and parochial spelling, I have to agree. Since UA has been in business for so long, they must be law-abiding. As for my experience, I took ZERO hours of classes (except for the online tutoring—which MUST be completed, state exam passed within 5 business days). I know that sales offers virtually limitless financial opportunity, I have been in sales for over 10 years. Insurance really isn’t my game, though.

Additionally, Mr. White, you should check your facts (and refrain from “lowering” yourself to my level). I bought my own presentation folio. The leads were often people who register online for a free XBOX, not information about (never mind a policy) insurance. As for the “scam”…when new agents leave, any residuals go to their unit manager…I think that where this idea may have come from.

PS
My Branch Manager drove a ’95 Chevrolet truck. My Kia was the best at our branch LOL:)

Best Wishes!

Lindsay, I'm curious since we live in the same area, (St. Peters). I was recently laid off from Citi off of hiway 40 in O'fallon. I have several years in sales and management and am confident I could sell sand in the desert although I have never done outside , 100% commission sales. Do you think this place is legit or should I walk away? I hear the good and the bad and don't want to just assume that the naysayers are all grinding axes over not being good in sales or that all the people singing their praises are actually managers pushing their product through a post. I applied today for the St. Charles location....waste of time or incredible opportunity??? Thanks!!

this company is scam. stay away from them.they will bankrupt you. i worked for them, the only way to sell the policy is to lie about it. it is not a major medical, and they use any reason to deny claims.you will have more people cancelling, then you write. which will result in negatve balance on your account,which will eventually,in a short period of time bury you.the few that make any money are crooks, and liers.

UA sounds extremely similar to Primerica...
Now it has been much stated that they can not be a scam
as they are licensed and have been operating for so long;
however most of the best scams are perfectly legal, in my
opinion.

My problem with Primerica is the half-lies and deceptions...
For example, the first thing I was told was that I would be a fool
to work for a 50-60,000$ salary (i'll take that, thank you)
making money for someone else, when you COULD be making
money for yourself! It sounds very convincing, as most of us
believe that is fundamentally true.

however, to assert that Primerica is working for YOURSELF is hogwash...
if so, then why do you start off making only 25% of the commission?
who makes the other 75%? SOMEONE ELSE, thats who!!!
You need to recruit at least 3 new salespersons just to get 35%
or YOUR commission! And of course then they are only making
25% of thier commisions, and the bosses who recruited u are
getting the other 75%.

They obviously rely on the fact that most new recruits will make some
sales (generating 75% commission for someone else) while probably never
reaching a level where they will make a fair % of commission, thus depriving
them of their huge cut. However, even if they do reach this level, by
proxy the people who recruited you will be making even larger %, as you can not
advance without recruiting NEW salespeople who will be getting only 25% of their commission!

That is a pyramid, as far as im concerned. They will tell you it is not.
Then they will tell you that you are not making money for someone else;
then they will take 75% with a straight face...

Meanwhile, you are probably not doing your customers a favor as the
rates offered are most likely NOT the best available.

I decided to avoid Primerica; UA is now calling me, but i will pass there too-
it just seems like more of the same. Heck- I'm not a sales person anyhow.
If I was, I would find a reputable business, not a pyramid.

avoid UA, Primerica, and NAA. You can make money with NAA but you need deep pockets and avoid joining their $120 / month presidents club and avoid their $500 conventions. Some of their leads blow!

If you are a new agent do your research on insurance companies on legitimate government sites first. Plan on spending money for your leads. This is where insurance companies may take advantage of you. Some will charge you between $400 to $600 or more a month for leads. You should know that you will be advanced paid (loaned)6 months to 12 months of the policy premiums. That means if the policy is cancelled you will have to pay that money back! Don't just listen to what your manager or trainer tells you; know your product.

christopherwhite55@yahoo.com in Ocala, Florida said: Are you guys all freaking retarted? They want your money??? They do not even ask for money. The only thing you pay for is you liceance. The only way they make money off of you is if you sell. As for a Pyramid, it is not a true pyramid, because you make what you sell. Unit managers and Branch managers just get bonuses just like at a carlot. Do you think carlots are scams? The problem is that sell is not for everyone. It take a hardworking selfmotivated individual. If you do not try and are scared of being told no, then do not get into sells. They have been in business for 47 years i think. This is not Enron people this is insurance. So look into something isnstead of reading forums and taking what people that have not even been in the business say for the truth. This company even buys leads for you, and good ones at that. So try it before you put it down. There is alot of money to be made in insurance and you are turning people away. So if you are interested in United American, just ask yourself if you like dealing with people, long hours, if you are self motivated, and you can't be scared of commisions This is not a get rich quick while watching tv job. It takes time to develop. It is not the up front commisions that makes you the money it is the renewals. And just to throw this out there, the worste car at my office is an 04 BMW. So think about it.

Check your spelling next time dummy.

Leigh in Richardson, Texas said: I received a call from them today. I knew it was a scam: they want me to sell. I am not a sales girl. If a person doesn't want it, they don't want it. I asked about the position when they called me (got my resume off Monster.com) and the lady would not tell me more about it, just said to come and see for myself. I see them advertising all the time. It is all about commissions and sales. If you are into that, great. I am certainly not. I went on an interview for a different company, same type. They show a PP presentation and want to you sign up immediately- trying to sell you on them. I don't think they can keep anyone, to be honest. I wish them well.

I fyou are looking for a real insurance job then contact me if you like jess_mcclain@yahoo.com

Mike wilson in crestview, Kentucky said: It's been several months and I am curious if your still enthusiastic about the company and have made your goals in regards to income. This would be the perfect opportunity share your experience. Either positive or negative.

I guess not. Great post for following up Mike. The silence is deafening and speaks volumes. Are you presently in the biz? If so, can you give some advice to someone with sales exp about how to find a good position with a reputable insurance company?

Lindsay in Lake Saint Louis, Missouri said: Mr. White~

Aside from your objectionable vernaculars and parochial spelling, I have to agree. Since UA has been in business for so long, they must be law-abiding. As for my experience, I took ZERO hours of classes (except for the online tutoring—which MUST be completed, state exam passed within 5 business days). I know that sales offers virtually limitless financial opportunity, I have been in sales for over 10 years. Insurance really isn’t my game, though.

Additionally, Mr. White, you should check your facts (and refrain from “loweringâ€� yourself to my level). I bought my own presentation folio. The leads were often people who register online for a free XBOX, not information about (never mind a policy) insurance. As for the “scamâ€�…when new agents leave, any residuals go to their unit manager…I think that where this idea may have come from.

PS
My Branch Manager drove a ’95 Chevrolet truck. My Kia was the best at our branch LOL:)

Best Wishes!

When you say you took ZERO classes Missouri must be one of those states that doesn't require them, only that you pass the exam. In Florida, and I think, most other states, the class is required. You can't even apply to take the state exam without a passing grade from a state recognized insurance school.
I worked for UA for a few months but had to lay off for a while with back problems which then resulted in lack of production over a 3 month period, which resulted in contract termination. Only thing I didn't like was "phone clinics" twice a week in office for 3 hours calling your leads. Office was very cramped with lousy chairs which contributed to my back problems. On the few appointments that I did sell I was paid immediately, on the spot check in hand, when I turned in applications, an average of $500 per sale. Most people I talked to in office were making very good money!

Kagemi in Pinellas Park, Florida said: When you say you took ZERO classes Missouri must be one of those states that doesn't require them, only that you pass the exam. In Florida, and I think, most other states, the class is required. You can't even apply to take the state exam without a passing grade from a state recognized insurance school.
I worked for UA for a few months but had to lay off for a while with back problems which then resulted in lack of production over a 3 month period, which resulted in contract termination. Only thing I didn't like was "phone clinics" twice a week in office for 3 hours calling your leads. Office was very cramped with lousy chairs which contributed to my back problems. On the few appointments that I did sell I was paid immediately, on the spot check in hand, when I turned in applications, an average of $500 per sale. Most people I talked to in office were making very good money!

Yeah, a few were making good money when I was there too (about 2 years ago). The top ones have since left and one almost went bankrupt because of the "chargebacks". I think UA for all practical purposes is gone from this area, beacuse they're now hawking Liberty nat'l. Same management, same scam tactics. It's all a mess. Glad i'm out.