Pros
Great brand recognition. Solid claims service. Very willing to pay claims and pay them quickly. Lots of long-time customers who are emotionally attached to their policies and not shopping every renewal.
Cons
Agents are considered "independent contractors" with no benefits but are treated like "employees." The days of working hard for 10 to 15 years building a book of business then relaxing and enjoying the fruits of your labor are gone. You are forced to sell a certain amount of life products each year to get perks like free internet leads and such. However, the rates on our life products are "extremely" uncompetitive. The only way I'm getting a life policy issued is if my client isn't shopping. When cliets are changing cars or buying a new car we don't have the ability to accurately tell them what their premium will be. When we call the support office to get help they aren't able to help because they aren't licensed agents. Therefore the company won't let them "quote." As agents we have no control, no sayso, no power, no influence. And don't bother calling an underwriter for an "exception" or for a little "grace" for ANYONE because it wont' happen. The "system" makes all the decisions.