After six months, the company charges for the cube, phone, computer center, technology, mail box, costs are about $350.00 per month. If you have some sales fall off, and you will, its easy to be negative on your ledger. You will be pressured to sell to your friends and family, your "natural market", so people you know will stop taking your calls. They try to position the job as financial planning but in the end it is insurance sales. Every concept is handled with an insurance product. The company makes it seem like they are selective about who they bring on but they will hire anyone without a criminal past. It is a revolving door, many people leave within the first year, even people with over two years leave so it is not just new people who couldn't cut it. Desperation is the fuel that drives most of the people there. Most people are not making much money. I am nine months in and am looking to get out!