Appreciation Insurance & Financial Services Reviews

Thank you for your feedback. Your claim that Appreciation Financial is a “scam, only the (top) make the money” couldn’t be further from the truth. In fact, this year we have more than 70 agents who are projected to make at least $100,000, and many of these agents are new to the company and the industry. One of our newest agents just made $20,000 in their first month. It doesn’t matter if you are the CEO or the newest agent, everyone has a chance to make money if they are coachable, accountable, and hardworking. The fee for NBC and back office support is for your benefit. Our back office was designed to be a wealth of information and resources for our agents and we boast one of the most effective systems in our industry equipped with the best CRM customized for your business. Many commercial CRMs charge more than our weekly fee and are not built for our specific business. That fee also provides you with a staff of qualified team members who work diligently to scrub your applications, fix issues, resolve problems and answer any questions you may have to help get you paid as quickly as possible. The back office is so efficient and desirable that we have many companies that pay to use it as well. Like most sales organizations, you are responsible for gathering your own leads, however we provide access to numerous resources. Our main target is teachers and they can be found at schools all over the USA. We are a full-service financial services company and offer solutions to retirement as well as other services and products, including life insurance. Although there is not currently an opportunity to write annuity business in New York (where you reside) as of yet, we are working on solutions to make our agents there competitive. Besides our initial one-time $149 registration and contracting fee, there is no additional financial obligation required. Our President & CEO is known for being transparent and down to earth. In the incident that you are referring to, he was actually the subject of the photos, not cutting in front of anyone. Any emails distributed to agents are to help and protect them and are never out of line. We certainly have empathy for all of our agents. Our cohesiveness as a company is the reason we are the national leader for retirement and financial planning in the industry. Appreciation experiences double-digit growth every year since we started, with not only clients, but agents. Most recently, we were named number 1583 on Inc. 5000’s 2018 Fastest-Growing Private Companies in America. Our main goal is to help people MAKE and SAVE money, which includes our clients and our agents. Our agents from all over the country win awards and contests based on merit, including, but not limited to, cash drawings and five-star vacations. Our agents are the heart and soul of our Company and we are all a family. To embody the values of our company, Appreciation’s agents regularly give back to our everyday heroes, teachers, and perform beautification projects at schools several times a year around the country. Giving back to the communities which we serve is our corporate mantra and something we take seriously. Please let us know if you have any other questions. We wish you the best in the future.

Thank you for your feedback. The two-year provision referred to in your post is explained in detail in the Independent Agent Agreement. In order to begin working with our Company, an agent must sign that Agreement. The provision is primarily based on protecting our Confidential Information and Trade Secrets due to our niche market. The two-year time frame is entirely legal, is common in the industry, and like anything else, there are exceptions made. Appreciation Financial is the #1 403(b) provider because of our special training and unique resources. All compensation scales and promotional levels are provided to the agent as part of the Agreement and are also posted on our back office platform, to which all agents have access. In addition, this information is clearly reviewed and explained during the initial training via our Learning Management System. It is an industry standard to require milestones be reached before compensation is raised. It is based on merit, much like anything else, and not just desire. Unfortunately, there are rare instances where an agent does not represent or uphold our Company’s core values or misrepresents Appreciation Financial. In these rare cases, we do decide to part ways amicably. As is industry standard for a licensed-only agent, if an agent decides to pursue business elsewhere, the business written with Appreciation remains with Appreciation. This provision is also clearly written in the aforementioned Agreement. Further, there is a provision for vesting in the Agreement, which would provide for outstanding and perpetual commissions, once an agent has reached a certain promotional level. Vesting would, in most cases, survive an agent moving on to another company. Please let us know if you have any other questions. We wish you the best in the future.