Terrible place to work, Dallas office direct sales. - Sales Agent National General Insurance Employee Review

Well let me start first with the pay, In direct sales you're not paid a commission of the policy premiums due to the new comp plan. Instead you earn "incentive" for selling nat gen policies. Meaning a 5k policy is worth to you the same as $100 policy. Theres no incentive to sell any 3rd party policy because its generally not worth your time to earn only "half a point", no matter how much the policy is. Nat gen is paid a percentage on 3rd party policies, but they don't cover the claims risk, meaning its pure profit, but they'll tell you the policies aren't worth much. Another problem is Nat Get declines about 90% of the leads you're fed. So when you're new, youre fed layups. Easy states where Nat Gen has low rates and cheap payment plans. You'll write a lot of those policies in the beginning. After about 6mo, your skilling changes. The leads get harder to convert and agents typically quit because the goals are too hard to hit, but the policies will stay on the books, meaning profit for the company year over year and you're out of a job. Large portion of the day you're transferring clients to more experienced agents who also don't have a product to sell. The customer service department doesn't know the underwriting. They often give customers false information or just dump the customers onto the sales agents. The bulk of our business comes from Good Sam, which is a dying market. Camping world has recently shut down its RV transport division which should tell you the company isn't growing. Also your forced to sell a "preferred policy" to non-standard customers. Our reviews are so bad that we went out and used a 3rd party company to write fake reviews for us. They had all of the sales agents insert this phony website into our email signatures to mislead customers to believe we receive great reviews. We don't pay out on claims most of the time, we'll use some excuse, whether the customer provided false information in the UW of the policy, or the customer violated some clause in the policy. We have 1 star on yelp for a reason. Management has gotten so far away from actually protecting consumers, that its an unwritten rule to sell ancillary products and you don't have to go into detail about what the customer is actually paying for. Good Sam began forcing the sales team to sell extended service policies so much that agents began to sell them on autos. Sure the product is there but most of those policies just cancel. We occasionally tell customers "it comes with the insurance" but that's not true. We just have to hit sales goals. Agents will even write down customers credit card numbers on pen and paper, some agents have even sold policies using someone else's card information because another customer didn't have money. They are still employed with the company and receive recognition for their work monthly to this day!