Pros
Working for a mutual company, being able to try to "milk" that to death in front of clients.
Cons
1. Zero salary - 100% commission. The "PTAS" the recruiting managers spout on & on about only kicks in if you make at least $500 FYC PER MONTH!! If you make $499, you get nothing. For new agents, this can be very demoralizing. 2. Maybe I just wasn't ready for this kind of work (and maybe the next thing I am going to comment on is actually commonplace in the insurance industry) but I have NEVER EVER worked for a company that would actually call people into a room, ask each one of you how much commission you made this week or last, and then tell you about Mr. So & So (who just happens to know millionaires in his natural market) making $40,000 FYC in the last month!!! I find this COMPLETELY demoralizing and does absolutely NOTHING to get me all "rah-rah's" up about my next 3 hour cold-calling session. 3. Personal time? Forget it. The "excellent work-life balance" that the managers who hire you go on and on about is completely bogus. They expect you to work all day and then return to the office each night and cold-call until 8PM until you make the requisite 2 appointments per day. For a new agent with a lousy natural market, this is almost impossible.
