You will need to sacrifice your time...a lot of it (I started out with a stash of money to get by on until I began earning). You will need to be patient in the process, such as sticking it out to SERIOUSLY STUDY to take the state insurance exam to be a licensed agent. You will have to go through training, learn the presentation material, know how to talk to people over the phone AND get appointments with them (by following AIL's guidelines...which work!)...then sell, sell, sell once you get the appointments! But selling is NOT a "con" here. AIL is an awesome product. If you don't like selling or don't care a lot about people, and just want money, I recommend not taking the job. AIL truly cares about servicing and helping their clients, and holds us to high standards of service and commitment to them.