Pros
great sales and marketing training, great financial education, environment is fast-paced and friendly
Cons
100% commission, must produce consistently by 6 months (they don't tell you this); required classes/meetings 20+ hours per week, including weekends; management concern is more with development of new agents - while management does not actively sell insurance (in some companies managers have their own book of business), they are recruiters and paid on their level and retention of recruits. As a result, many managers are more concerned with their recruits getting a "big" case right when they start, then training and development drops off for that agent and is re-focused on a newer agent until they submit a "big" case, and so on. Primary initial focus is entirely on getting as much money from family, friends, past co-workers, etc. ; Company charges about $200/month in fees for printer, internet, paper, materials, etc.; once registered (you must pay for all testing if do not pass, this is close to $500), your Errors and Omissions insurance is $1000 annually; the company will talk about how it is easy to make $100K per year in your first year and break it down by appointments set and average commissions, but in reality, usually 1 agent out of 100 in the New Org (agents 5 years or less) will make this amount of money - average is closer to $12,000 first year to a maximum of $50,000 over the next 4 years.
