Pros
the training is good for a new agent. I really loved my upline he was amazing and even he left knowing the grass was greener on the other side.
Cons
Where do i begin? FFL claims they have the best compensation which is a lie. 85% - 140% which is a horrendous lie , I was lucky to start at 120% because of my previous production. The funny thing is that i only got 120% on 2 products for 2 different companies for simplified term only! , every other product had 20-30% lower. I got a terrible bait and switch . They only train you to sell 2 products no other products at all . Your uplines push you to buy 60$ mortgage protection leads because that is where they make their money and they can override you . The numbers look good , agents writing 20k a month but they never show that after the lead costs,gas,expenses,placement and retention you only net $8,000 a month after producing 20k , your upline and FFL make another 5,000k thanks to your hard work. so you really have to bust your behind . In order to get to "140%" which is only for 2 products mind you, you must have an agency producing a few million dollars a year to even qualify . Other Imos give higher that 120% to start and even higher than 140% if you have and agency producing a million. Their model is a rip off. Their facebook leads from their vendor used to be 10$ now they are 15$ because of profits of course. Those leads used to be good , now you place an order and they come 5 days later and with clients that were never really interested. Their cherry picked leads have been resold a million times and they are overpriced. Their crm is subpar and when you purchase leads you get duplicates that they never want to refund you for. Another terrible thing is I was lied too when i started, they informed me FFL has no affiliation with NAA yet when i received a letter for Trans about some business i had to reinstate i saw superior performers as my upline on the top. CURRENT FFL AGENTS BEWARE! If you want a release from this company they will force you to sign a non compete and this crazy form that states you can't sue them. Overall I really had my hopes up and was very distraught about what i experienced with them I really respected their leader and i just have to find out he just created the same old IMO that everyone else does . Since I written this review of my experience and a few others to express my situation, all of my downlines were moved to other people and the downlines that had debt are still being rolled up to me . If you think that is independent, it's not , This IMO will mess with your contract and put you on as earned if they find out you are selling products outside of the carriers they use.