Pros
There are opportunities to earn some decent money, but the time, energy and cost to get there is usually not worth the trouble.
Cons
Hard to list them all, but I will list just the top few. The leads they say will be provided every week is more like 2 to 3 weeks. The leads are mostly old and not "warm" at all, between 25% to 30% or wrong or disconnected phones and wrong addresses. About 30% of the leads had already been approached just weeks ago by other agents making them upset about you calling them again. About 30% of them are just tired of us calling them every single year and can be pretty rude when you are just trying to do your job. The remaining few probably cannot afford it or do not have any bank or you just get lucky and find maybe one or two that actually need the insurance and can afford it. On top of all that, when you do make an appointment about 50% of the time, the client isn't home after you spent your time and money (gas) getting there and even if they call to cancel ahead of time with you, management wants you to go anyway and try to get in. I lasted over 4 months and the last 4 weeks I made absolutely nothing! I tried to follow their "system" and my failure to succeed was because I didn't follow their script, which may be true, but I found to be mostly untruths and lies in order to get in the door. I have a much higher standard in ethics and morals to work for them the way they want me to and in order to make what I need to make, I would have to become a manager and insist others under me to be unethical and lie which I will never do. Finally, I believe that the retention rate of their agents is less than 5%!!!! I saw so many people come and go week after week and the people who have been there more than me made less than $750 per week after working about 60 + hours per week.
