Pros
Brand recognition and good claims service
Cons
As many others have pointed out, the 3 biggest problems with this company is... 1. Outright fraud is used to recruit new agents. The reality is you will invest a very large amount of your own savings, or go into a very large amount of personal debt and loans, to finance an office THEY control for a period of 3 to 5 years before you ever see a dime of real income. You are so completely misled during the recruitment phase but the time you figure out the ugly truth of this "opportunity" you have too much invested to leave but are making too little to survive. Unless you have at least $250,000 of your own money to invest and are comfortable going at least 3 years with little to no income at all, do not become an agency owner. 2. Training and support are non-existent. During recruitment you will be told you will receiving training and support for your agency from the company. You won't. None. Zero. Zilch. Zip. The minute you sign the contract you will be thrown in the deep end for management to see if you sink or swim. The only support you will receive is being told "sell more policies". 3. Rates are not competitive. This is not an opinion, it's a fact. Farmers has been bleeding business uncontrollably for years due to noncompetitive rates and their business overall continues to shrink year over year as a result. Management seems to think customers will happily pay double or triple what they are currently paying for insurance for "service" - whatever that means. The reality is the "service" we offer is the same service any good agent with any other company is capable of offering at a significantly more affordable rate. It appears the loss of business from non-competitive rates is being subsidized with a very dishonest "churn and burn" agent hiring model that brings unsuspecting new agents in, have them invest their own personal money into generating new business for the company based on false promises, and then when the agent inevitably fails, uses the book of business that failed agent generated with their own personal investment to lure the next unsuspecting dope into signing a contract, let that person invest a bunch of their own personal money to grow it for a year or two until they starve to death, then wash, rinse, and repeat.