Pros
There are no pros to working for this company, unless if you are an individual who doesn't have a single fiber of morals or integrity in your body. You will be coached and pressured to sell "health coverage" in a very misleading and unethical manner to unsuspecting clients who are looking to save their hard earned money and have peace of mind that in the event of an emergency, they can be confident that they made the right choice.
Cons
I could spend days writing out all of the negative aspects of this company, but I will spare you all and will stick with the main red flags. I will begin with their recruiting tactics. I was lead to believe that I was going to be selling cutting edge "insurance" that would help families who could not afford the rising healthcare costs in the marketplace. I was also lead to believe that I was going to have access to new leads that had not been called hundreds, if not thousands of times by the time they made their way to my desk. Nothing could have been further from the truth. When you sign the contract with US Health Advisors you are selling your soul to the company. You are told that you are an independent contractor by recruiters, and that you are your own boss and will be able to set your own schedule. It will not take you much time at all to realize that you will be a "captive agent" (slave) to this company and cannot sell any products outside of the garbage that they want you to sugar coat to the unsuspecting potential clients. Through training you will be coached to present the product of "premier choice" in such a way that the client would not even second guess that they are purchasing real insurance, not just an overly priced discount card that will be worthless and useless in the event of a real emergency. This is why all of their plans are fully underwritten and make it extremely hard to get approved. They do not want claims at all, and this is how this company keeps raking in the money! These products do not qualify for the minimal essential coverage required by the ACA, and the client WILL be taxed a hefty fine for not having such a plan. You will be trained to never bring this up during your pitch, but to only address it if the potential clients question the validity of the so called "insurance" that you are offering. You will also be coached into telling clients that you are an independent agent who will search the marketplace in order to find a product that will best suite their family's needs, when in fact this is a down right lie due to being a captive agent who only has one product to offer them. Weekly production announcements on the leader's board is also a joke and very misleading. What the senior management will not tell you is that the reason you see such amazing production from the top earners is because they have agents on their teams submitting business under them, while they are taking all the credit. Do not fall into the trap of believing that the numbers being presented are produced by one individual. By the time I was nearing the end of my contract with US Health Advisors I was being pressured by my manager to be putting in 12 hour days, at least 6 days a week with a minimum of 500 dials a day in order to make him/ the team look good. I do not know about you, but i work to live, not live to work. You will also be coached into pressuring the prospective client into signing up right then and there. I was told by management that if they have too much time to think about it then you will lose the sale ( I do not know about you, but if the product that I am presenting was truly as great and wonderful as you were lead to believe on every conference call, then there should be no issue with a potential client having time to think about it before giving you their checking and routing info). I really wish I had not wasted so much time, effort, and money with buying into the nonsense that was spewed by the recruiters, and management. One positive is that I learned a very big lesson this past year: If something seems way too good to be true, 10 times out of 10 it is, and run away and do not look back. I wish I could call all of my clients that I conned into purchasing this garbage and have them cancel their policies immediately, but the company makes it very clear that if you make any contact with them they WILL pursue legal action against you. In closing- the last red flag of this company is emails that I have still been receiving from the management. A couple weeks ago I received an email that was supposed to just be for the team that they expected 100% participation to go to sites like this, google, and yelp to write a positive review about the company and the job opportunity that they provide. If a company is ever requesting this of its contractors, then you know that you should run the other way. Take a look at all of the "wonderful reviews" that have been posted in the last 2 weeks and you will see how their tactics have unfolded. If you want real reviews just scroll through towards the last pages to get the FACTS behind what this opportunity IS and IS NOT.
