Pros
The compensation rates are the best around, but they don't have much else going for them.
Cons
When I saw the posting on craigslist, it said that it was salary plus commission. Come to find out, it's commission only. I was also led to believe that during training we would get a cut of the sales that my SA made, which I did not. I knew that I was responsible for paying for the training classes and my license exam and fee. Also, they lied about the amount of bonus I would receive for making sale. I made a 1500 ALP sale and I was supposed to earn a 17.5% bonus, as well as a $200 advance, which I did not get. They expect you to drive all over creation to drop off child safe kits (before you start getting paid) and the intensity of the training does not allow for you to have a job while you are training so you are literally using all the meager savings you have from your last job to get started on this one. I was told I would be reimbursed for gas when I first started, and I was never told how to go about doing that or given any sort of payment for the gas I was using before I started getting paid. They said that as soon as I was released I would get a packet of extremely hot leads to start with. I instead received a packet of leads that were 2 years old. They also want you to call people repeatedly on phone nights. My manager made me call people 10 times a piece. If they don't answer after the first 3 times, what makes anyone think they're going to answer after the 5th, 6th, or 7th time, never mind 10. And the people I did get a hold of said they had already met with a representative and weren't interested in hearing what I had to say. Those were the only leads I would get, and come to find out that I had to generate my own from the child safe kits and referrals. The areas they have you work out of tend to be really awful areas with high crime rates, and you're working at night, alone. They make you do drop bys, which essentially means that you are going to peoples houses unannounced in a terrible neighborhood ALONE. I went for this "opportunity" because they lied to bring me in. On the phone, they said it looked like I was a really good match for the company. I went in for an interview and there were 10 other people there. I was told that there are only 3 positions they are hiring for. When I completed my licensing exam and showed up for the training class, there were 12 people there. Do not fall for the lies that they will tell you to try to get you to work for them. When you call people to schedule an appointment to drop off their no cost Accidental Death and Dismemberment Certificate, or their no cost Child Safe ID kit, you are not allowed to mention to them that you also sell insurance. So while you're doing your presentation for the no cost benefits, you casually ease into a presentation about insurance. People don't like being swindling into buying something, and in my experience most of the people I've met with have seen through the facade and not wanted to buy anything, and this includes me trying to sell as well as seeing 2 other people sell. They tell you that you could win all this lavish trips to places, but half the time they set the standard so ridiculously high that it's next to impossible to even qualify for it. Everyone who works here seems incredibly fake, and I believe that they would easily stab someone in the back to get more sales. The greed is astounding. I am very sorry that I ever fell for this scam, and I sincerely hope that no one else does.
