Pros
The people on a personal level are fun people to be around. If you are a part of the 20% of agents who make it through the reserve program, and you're in the top 10% to 20% of those new agents, it's extremely lucrative.
Cons
Leaving FB is a nightmare. Since life sales commission is annualize to begin with, when you leave, they charge you immediately, ask you to start paying on your "debt" immediately. As your former clients keep their policies in place, that monthly commission goes towards paying that debt. Leadership is so evasive in answering questions. The ultimate goal is to earn a book of business and they dangle that in front of you, but they don't share specifics on how to get one....you don't know how long you have to be at FB or how much business you need to bring in. Everything is a secret. They are non-committal on everything. Their business model is hire as many people as you can, let the Reserves write business for FB at a low commission, knowing that 8 out 10 agents won't make it through that reserve part. Then FB will keep those new clients. I was placed in a developmental center, charged $1000 of rent, then another $700 to $800 in varies fees and program costs. Pay for your own advertising, since FB does no advertising...$200 a month at least. For a new agent, that is extremely difficult to pay every month.