A good job if you are young, single, and are okay with spending all your time making money
Pros
-Wonderful people to work with -You aren't stuck in an office all day -There is real potential to make lots of money -Room for lots of tax right-offs
Cons
-Leads are cold and often angry. There have been days where I've spent 10 hours making phone calls and only booked two or three appointments. Almost every lead has been seen by us before and most of the time don't want to be seen. You are told to even call people who have "DO NOT CALL" by their names. People who don't answer their phones have us showing up on their doormats trying to book appointments. -Constantly pressured to get referrals. With referrals we tell clients that we are proving their friends/family with "no-cost' benefits when instead its our way to try to sell them insurance. If you don't ask for these referrals they will decrease the amount of leads they give you. They always talk about how expensive the leads are, but the average lead I've seen is from 2010. -1099: You are told as a 1099 that you are your own boss and you make your own schedule. Your first week you are given a scheduled and are pressured into following it. If you don't work 10-12 hr days, 6 days a week, you are considered lazy. If you have a bad sales week, they blame it on you not working hard enough. If you want to take an extra day off to get more training, its a bad idea to them. If you are out their trying to sell and you fail, it doesn't cost them anything. You are wasting your time and money on a week if you zero out. Then your name is on the board and they say that you were lazy for not selling. -Recruiting is a lie. All of us agents even laugh a little when we see the new recruits at orientation because we see that they were fooled like us too. Almost everything in orientation was either a lie or greatly exaggerated. They will tell you that the colors of the names on the board mean something so that they can point out the people with the highest numbers. -Their health plan is shady. I asked what the rates were and they said it was "different for everyone and I'm not sure how it works." It's based on how long you've been with the agency, plus your sales, age, and who knows what else. -Depending on what type of appointment you go to, your title changes. You can be "Union Service Representative" "Service Supervisor" "Life Sales Agent" and "Child Safety Representative" throughout the course of a day.
