Pros
Unlike other IMOs FFL has a unique business model. It is helping families first but the company also takes good care of its producers by offering what the others don't... a solid program, all the training and support agents need, great carriers, fast issue, FRESH leads and, oh yeah, some of the idustry's highest commissions. You get all of the support you need WITHOUT the daily cheerleading conference calls like other IMOs. FFL, for me, has been a great place to work and I don't see myself leaving any time soon. They don't recruit everyone and their mothers; we are more particular about who gets hired so there aren't huge agent turn over rates. Additionally, you seldom hear the words up line or down line and there is no pressure to get even your own grandmother licensed and added to your down line. FFL cares about quality not quantity when it comes to their agents. I could go on with how great they are but I'll close with this: other IMOs have their daily calls and will constantly tell you that they are number one in the industry. At FFL, the CARRIERS get on the call and tell us we are number one. I feel blessed to be a part of what they are doing.
Cons
The biggest con is all of the fake reviews on this site. It's sad but when you're taking over the industry, others get scared and do what they can to make you look bad, I guess. I've had a great experience so far. I actually feel like I was rescued from the cult-like culture at my last IMO.