Pros
Very strong company with the strongest financial ratings, one of the best at what they do, they've been in the business for 168 years, good training and compensation (if you are actually managing to get appointments and sell life insurance or other financial products), benefits.
Cons
100% commission. This type of business is not for everyone. A lot of agents are starving, broke, or close to losing a lot of their assets which is quite ironic considering that agents give financial advice for a living. Your life is consumed by hunting ALL THE TIME everywhere you go (family parties, social gatherings, etc). EVERYONE is a suspect/prospect for business. Everywhere you go, you are thinking about networking to get those people to become your clients. It can become overwhelming and you reach a point where you're not always being genuine, but just in it to build your business (and help others in the process - because you are really helping others with your services IF you truly know what you're doing). Once you lose momentum in this business, you better work twice (or triple) as hard or prepare to be faced with one hell of a challenge to get back on your feet. This business is brutal. You truly have to go hard in this business. No slacking of any kind. They essentially own you for the first 3 years of your contract with them. If you have a creative side and dabble in any type of outside business activity, they will decide if you are "hire-able". If you are, you must sign a form that lists what you can and cannot do in your hours outside of work. They dictate how much time you can devote to other activities that could potentially lead to outside business. You CANNOT work another job while you work here as an agent. So if you decide to work here, you MUST have enough money saved up to carry you through stormy weather, because YOU WILL go through it. EVERYONE does. If you don't have money saved up, make sure you have another form of supporting yourself.
