334 East Lake Rd #243 Palm Harbor, FL 34685 Toll Free: (877) 208-4308 Fax: (800) 928-8148 E-mail: nals@ureach.com

Please read "Pages 1-6" below for a complete description of our Leads, Lead Systems, Carriers, Cost and how to Sign Up!
Home Page
Home
Company
Background
Page - 1
"GENERAL AGENT"
Package Information
Page - 2
"IMO/AGENCY"
Package Information
Page - 3
"PRODUCING AGENT"
Package Information
Page - 4
Our Carriers and
Commission Schedules
Page - 5
Package Cost and
Our FREE Leads Offer
Page - 6
PACKAGE SIGN UP PAGE
Page - 7

STEP 1 - The "IMO/AGENCY" Package sign up and on-line contracting form"
(Contracting with at least ONE of our carriers is required for the FREE option)

Please fill in form completely
PART A - Your Lead Selection

What type of 20 weekly "LeadResponse" leads would you like? (Choose only one)

- You MUST contract/transfer with at least ONE Annuity carrier to receive Annuity leads.
- You MUST contract/transfer with at least ONE Life carrier to receive Mortage Protection/Life leads.
- You MUST contract/transfer with at least ONE Final Expense carrier to receive Final Expense/Senior Life leads.

Annuity leads (20 leads per week for up to 12 weeks)
Mortgage Protection/Life leads (20 leads per week for up to 12 weeks)
Final Expense/Senior Life leads (20 leads per week for up to 12 weeks)
Combination of leads* (20 leads per week for up to 12 weeks) *We will email you to find out how you want the leads split up.
From what zip code would like your 20 weekly "LeadResponse" leads from? (Choose only one)

(Please note- We can usually stay within a 1-10 mile radius of this zip code.)

PART B - Your Carrier Selection

FREE LEADS CONTRACTING PROMOTION:
Contract and/or transfer with ALL 10 of our PRIMARY carriers and receive 20 leads a week for 12 WEEKS! (240 Leads) *BEST DEAL
 Contract and/or transfer with 9 of our PRIMARY carriers and receive 20 leads a week for 9 weeks. (180 Leads).
Contract and/or transfer with 8 of our PRIMARY carriers and receive 20 leads a week for 8 weeks. (160 Leads).
Contract and/or transfer with 7 of our PRIMARY carriers and receive 20 leads a week for 7 weeks. (140 Leads).
Contract and/or transfer with 6 of our PRIMARY carriers and receive 20 leads a week for 6 weeks. (120 Leads).
Contract and/or transfer with 5 of our PRIMARY carriers and receive 20 leads a week for 5 weeks. (100 Leads).
Contract and/or transfer with 4 of our PRIMARY carriers and receive 20 leads a week for 4 weeks. (80 Leads).
Contract and/or transfer with 3 of our PRIMARY carriers and receive 20 leads a week for 3 weeks. (60 Leads).
Contract and/or transfer with 2 of our PRIMARY carriers and receive 20 leads a week for 2 weeks. (40 Leads).
Contract and/or transfer with 1 of our PRIMARY carriers and receive 20 leads a week for 1 weeks. (20 Leads).

REQUIRED - Select the insurance carrier(s) you plan to contract with or transfer an existing contract(s) with through National Annuity and Life Sales in order to qualify for the "IMO/AGENCY" Package and 20 weekly leads: (Check all that apply)

ONE OF FOLLOWING REQUIRED FOR THE "IMO/AGENCY" Package: These carriers offer ABOVE street level commissions. Add any carriers that you are going to use to contract agents underneath your IMO/AGENCY.
American National - (E&O Required) - Not in NY (Great MYGA and Fixed products)
Conseco - Not in NY, MN (Full Line of products. High commission rates.)
Transamerica - Not in NY (Our #1 top selling Life Company)
Genworth - Not in NY (Cheap term products)
Assurity - (E&O Required) - Not in NY (Final Exp/non-med products)

ADDITIONAL PRIMARY CARRIERS: These carriers only offer street level commissions. Any contracted agents underneath your IMO/AGENCY will be set up as a sub-agent.
Allianz Life - Licensed in all states (Our #1 top selling Annuity company)
American Equity - Not in AL (Our #2 top selling Annuity company)
Great American - Not in NY (Annuity products. 403(b) products)
American General - (E&O Required) - Not in NY (Life and critical illness products.)
United Home Life - Not in NC, NY (Final Exp/non-med products)

*Please note - You can take Life Apps over the phone with American General, Assurity, Conseco, Genworth and United Home Life

*If you want to contract with any of our secondary carriers, you will be able to do so once you receive access to the “IMO/AGENCY” Package.


Remember, the more contracts
you submit, the more weeks of
20 free leads you receive!
OUR CARRIERS
*All contracts are top street level General Agent contracts or above. NO cut in commissions!
Primary Annuity AND Life Carriers:*
- ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA - Our #1 Annuity carrier.
- AMERICAN NATIONAL INSURANCE COMPANY - Good Annuity and Life products.
- CONSECO INSURANCE COMPANY - Full line of Annuity, Life and Final Exp. products.
*Allianz contracting offered through our partnership with a separate Independent Marketing Organization. American National & Conseco contracting offered directly with "National Annuity & Life Sales".
As earned commissions on Annuity and Life products for Allianz. Advanced commissions available on most of American National and Conseco Life products. E&O Required for American National.

Primary Annuity Carriers:*
- AMERICAN EQUITY INVESTMENT LIFE INSURANCE CO. - Top Annuity Carrier.
- GREAT AMERICAN - Annuity products only. 403(b) products.
*Contracting for these 2 carriers offered through our partnership with a separate Independent Marketing Organization. As earned commissions.

Primary Life Carriers:*
- GENWORTH LIFE INSURANCE COMPANY- Cheap Term products.
- TRANSAMERICA (FORMALLY LIFE INVESTORS) - Our #1 Life Carrier.
- AMERICAN GENERAL LIFE INSURANCE COMPANY - Life and critical illness products.
*Contracting for these 3 carriers is offered directly with "National Annuity & Life Sales". Advanced commissions available on most products. E&O Required for American General.

Primary Non-Med, Simplified Issue & Final Expense Carriers:*
- ASSURITY LIFE INSURANCE COMPANY - Simp issue/non-med/Final Exp products.
- UNITED HOME LIFE INSURANCE COMPANY- Simp issue/non-med/Final Exp products.
*Contracting for these 2 carriers is offered directly with "National Annuity & Life Sales". Advanced commissions available on most products. E&O Required for Assurity.

Secondary Carriers:*
- LEGACY MARKETING GROUP - Proprietary Annuity products.
- ING LIFE INSURANCE COMPANY - Mortgage Term products.
- SYMETRA LIFE INSURANCE COMPANY - Life products.
- STANDARD LIFE AND ACCIDENT - Final Expense and Medicare Supplement products.
- SUN LIFE ASSURANCE COMPANY - Annuity products only.
*Contracting for Sun Life ans Legacy is offered through our partnership with a separate Independent Marketing Organization. *Contracting for ING, Symetra and Standard Life is offered directly with "National Annuity & Life Sales". Advanced commissions available on most products. E&O Required for Symetra, Sun Life and Standard Life.

(For an overview, see "Our Carriers" on page 5 up top.)

PART C - Your contact and licensing Information

*Name
*Email
*Home address
*Home city
*Home County
*Home state
*Home zip
*Home phone
Agency name (If applicable)
Tax ID (If applicable)
Business address (If same as home write "same")
Business city
Business state
Business zip
Business phone
Business fax

*Type of License *License number
List any non-resident license(s) (If applicable)
*Social Security number
*Date of Birth
How long have you been in the insurance business?
*Registered Rep Name of Broker Dealer (If applicable)
*Do you have E&O coverage? REQUIRED for AIG, American National, Sun Life and Assurity. MUST PROVIDE CERTIFICATE.
Carrier

Patriot Act Mandates Anti-Money Laundering Training for ALL Agents
The Patriot Act mandates anti-money laundering training to comply with new federal regulations that took effect on May 2, 2006. The online training must have been completed by August 2006. After August 2006, any new business will not be processed by insurance companies without proof of completion of anti-money laundering training. This training must be completed prior to contracting with us.
Have you completed the AML training?

Required questions for all company contracts
*1. Within the past ten years, have you ever initiated bankruptcy proceedings or declared bankruptcy?


*2. Do you have any knowledge of an indebtedness to an insurance carrier or financial organization that involves yourself or an organization you have been associated with?


*3. Do you have any unsatisfied liens or judgments?


*4. Within the past ten years, has an insurance carrier canceled your contract or appointment for any reason other than lack of production?


*5. Within the last ten years, have you ever had a complaint filed against you that resulted in a fine, penalty, censure, cease and desist order or disciplinary actions?


*6. With the exception of routine traffic violations, have you ever been convicted of or pled guilty or nolo contender (no contest) in a court to a misdemeanor or felony?


*7. Has a bonding company ever denied, paid out on, or revoked a surety or fidelity bond for you, or is there any reason you cannot secure a bond?

*8. Do you have any current negative items on your credit report that you feel need an explanation that would help in the contracting decision?


9. Have you ever been discharged or permitted to resign from your employment appointment because you were accused of fraud or wrongful taking of property, violating investment-related or insurance related statutes, regulations or industry standards of conduct, or violating company rules?


*10. Have you ever been found guilty or nolo contender (no contest) of violating state insurance department, federal or state securities or investment related regulation or statue, or have you ever had your insurance license or securities registration suspended, revoked, investigated, audited or ad a license denied?


11. Are you involved in any pending or current litigation, investigations, complaints or E&O claims or has any E&O carrier denied, paid claims on, or canceled your coverage?


12. Have you ever been named as a defendant or codefendant in a lawsuit, or have you ever sued or been sued by an insurance company?


13. Have you ever done business under another name?


14. If yes, what other name(s)

*Required - Please explain all yes answers:
Number Explanation
Number Explanation
Number Explanation


PART D - Your Business Plan

Our goal is to help you develop leads, market your business, increase your production and provide assistance with closing sales using our lead program package(s) along with the carrier(s) you have selected above. Please answer the following questions so we can better understand your current business plan and to help us in providing recommendations for you.

What are your primary marketplaces? (i.e. seniors, life insurance, Estate planning, etc.)
How many agents do you currently have under your organization?
How are you currently generating your leads? (i.e. advertising, telemarketing, direct mail, etc.)

Are you now doing or would you like to do seminars?
Do you currently have a company website?
How many appointments are you seeing each week?
What type of presentations do you like to use?
Do you conduct a fact finder on your appointments?

What Annuity companies are you currently writing for?
How much Annuity premium do you write per year?

What Life companies are you currently writing for?
How much Life premium do you write per year?

What LTC companies are you currently writing for?
How much LTC premium do you write per year?

What areas or products would you like additional training?
Do you currently need any assistance on any cases you are working?

What are you looking for in a Marketing Organization/Wholesaler?

PART E - Other Information
The "IMO/AGENCY" Package Agreement

1. I have read and I understand the complete description of your program.
2. I understand that I am receiving the 4 items listed in the “IMO/AGENCY” Package and not just the 20 weekly “LEADRESPONSE” leads.
3. I understand I will receive online access to the 4 items listed in the "IMO/AGENCY" Package within one business day.
4. I understand I will receive the "LeadResponse" leads (20 per week for up to 12 weeks based on the amount of carriers I selected above) via EMAIL beginning in approximately 7-10 BUSINESS DAYS.
5. I understand that I will receive the leads that I selected on my sign up form and that I cannot change my order once I start receiving my free leads.
6. I understand that I should follow the instructions provided with the leads in order to generate the maximum amount of appointments.
7. I understand that it is my responsibility to notify “National Annuity and Life Sales” within 10 business days if my leads are not received and that “National Annuity and Life Sales” is not responsible for my leads being deleted or placed in a spam folder by my email service provider.
8. I understand that the 20 weekly “LEADRESPONSE” leads are just one part of the “IMO/AGENCY” Package and are meant to be a supplement to the other items in the “IMO/AGENCY” Package.
9. I understand I should implement some of the other 10 lead programs to take full advantage of your program along with qualifying for your “PRODUCING AGENT” Package.
10. NALS is making an initial investment in your business by providing you with our leads along with access to our exclusive copyrighted material, training and lead programs. Therefore we expect an honest effort on your part to work the leads and programs as instructed and attempt to place a portion of your business with the carrier(s) you contracted with through NALS. For our protection and to prevent abuse of our leads and programs, NALS does not provide contract releases within the first six months of joining our program.
11. I understand this program is for my use only and may not be copied or distributed to any other persons.
12. I understand that the “up to 12 weeks of leads” contracting offer is ONLY good at time of sign up and that if I decide to add carriers to NALS at a later date that it DOES NOT add extra weeks of leads to the offer.
13. I understand that the 20 weekly leads, direct mail leads and telemarketing leads are all provided by a 3rd party insurance lead vendor and not generated or provided directly by NALS. NALS assumes no responsibility for the accuracy or quality of the leads.
14. I understand that certain rules, limits, exclusions and restrictions may apply with this offer.

I understand that National Annuity and Life Sales will provide the following services to me:
1. They will set up and maintain my Personalized IMO/AGENCY Website to recruit and contract agents ON-LINE.
2. They will handle and process ALL of my agents contracting paperwork that I submit.
3. They will provide EACH OF my AGENTS that I contract The “GENERAL AGENT” Package at no cost unless they are declined contracting.
4. Upon my agents first submitted application with my organization, they will make available to my agents the items in the “ PRODUCING AGENT” Package.
5 They will provide toll-free support for me and my agents.
6. Provide up to 1000 names per month of insurance agents to contact as requested.

I understand that BEFORE I am provided with the above services I MUST:
1. Execute a new or transfer an existing contract with at least one of your listed insurance carriers AND pay a $99 annual website fee before receiving these 4 items. You can cancel the website anytime after the first year.

I understand and agree to the following:
1. I must submit my agents contracts directly to National Annuity and Life Sales for processing.
2. Once I submit my $99 payment, it is NON-REFUNDABLE unless my contracting is declined with ALL of the carriers I submit. NO exceptions.
3. That if I am declined contracting or not approved with at least one of your carriers, I will also not receive the 20 weekly leads.
4. National Annuity and Life Sales is providing me with this opportunity and will provide assistance, but has not guaranteed that I will be successful or make any stated amount of money and that my success and income will be determined by my effort.
5. That I am responsible for any cost and effort in recruiting my agents.
6. I must obtain a non-residence license in any state that I recruit agents in outside my resident state unless not required by that state.
7. I am an independent contractor and that my commissions and agent overrides are paid directly from the insurance carriers unless otherwise stated. All Commissions are paid upon issue and delivery of policy, not submitted.
8. Any carrier appointment that I transfer AWAY from National Annuity and Life Sales will be removed from my IMO/Agency website and any agents recruited with the carrier will no longer qualify for the programs offered by "National Annuity and Life Sales".
9 I understand that my IMO/AGENCY website will ONLY include the carriers that I am licensed with through National Annuity and Life Sales.
10. After I submit my application and payment, I must sign then fax or mail the signature pages to National Annuity and Life Sales to complete the contracting process.
11. That the “PRODUCING AGENT” Package becomes available upon my first submitted case. For carriers that do not process agent contracts UNTIL the first submitted case, then I understand that I MUST be APPROVED by that carrier before the case is considered submitted. I also understand that an incomplete app or an app that has any missing documents will NOT be considered submitted UNTIL all missing documents are received from the agent.
12. The “PRODUCING AGENT” programs or any other program, incentive or promotion offered by “National Annuity and Life Sales” is only valid to our agents in good standing. (No current Letter of Intent to transfer or agent debt with us).

I have read and I understand the complete description of your program and agree to the terms above.

How did you hear about us? (Please check one)
 Yahoo search Google search Other search Agents Sales Journal
Life Selling Magazine Senior Advisor Magazine Post Card
Phone call E-mail Another Agent / (Referring Agent name)=
Other I am a current member

We are always looking to help agents succeed. If you know any agent you would like us to share this opportunity with, please list them below and we will send them an information kit. If any agent you refer to us signs up for our program, we will send you a free $20 gift card per agent once they submit their first case with any one of our carriers.
NameEmail or Phone
NameEmail or Phone

Questions or Comments

PAYMENT OPTIONS:







*Upon receipt of payment you will be forwarded to our "Contract Signature Page" to print out and fax your completed paperwork. Once we receive your signed forms, we will submit to our carrier(s) for verification. This can take up to the next business day. Once we receive verification, we will:
- Email you an ID and Password to access our "IMO/AGENCY" Package agent website for complete information and material.
- Order your FREE weekly "LeadResponse" leads. Your first set of leads will be emailed Wwthin 7-10 days.
- Once your contract(s) are approved we will build your recruiting website.

FREE AGENT SALES GUIDE
"How to properly sell Annuities, LTC and Life Insurance"
Click to receive

Member Agent Log-In
PROGRAM DESCRIPTION COPY
Request an e-mail copy of our 6 page program description.
Click to receive
Disclaimer - This site is for agent use only. All programs and materials provided by NALS are generic in nature, for informational purposes only and are not product or company specific unless otherwise stated. Some of the programs are offered through 3rd party vendors or are non-insurance related. Insurance products and Annuities are not for everyone and should only be recommended if they are suitable for the client. We believe in offering FULL disclosure of any product and do not tolerate the use of any false or misleading statements, scare tactics or deceptive advertising. We recommend that you check with your insurance company, broker dealer and/or state insurance department to see if you need to modify any material you use prior to use with the general public.