MLM model that is company focused, not agent nor client focused - Insurance Broker Family First Life Employee Review

What's very confusing about the "cons" that this individual listed is that most of these are aspects of our business that are marketed so that every agent working with us is informed of how our business model works. As far as leads go, yes we do conduct a lead based sale and thousands of agents have success in buying leads and writing business off of them. This is something that we talk about in our marketing and when an agent joins us. We do not teach agents to take an advance on their policies, that decision is up to the agent. All carriers allow you to choose from taking an advance or contracting as earned. If you really believe taking an advanced commission is somehow negative you can elect to be paid as earned. We do sell mostly simplified issue products, they are not "pushed" on every client however every client fills out a form or applies online to an advertisement for a non-medical simplified issue product so we are selling them exactly what they are looking for. Our culture is not to work 24/7 but we have learned that agents working 40 hours a week in sales with us have the most success. As far as "only benefiting the top" that could not be further from the truth. Our comp program is the most aggressive in the industry, it was designed to allow the agents to keep as much money as possible from their sales. We do this by vesting renewals day one, and having our comp plan go from 100-140%