Pros
very limited with exceptions including a small percentage of knowledgeable and considerate administrative staff members and middle managers.
Cons
company is currently in total disarray with the recent inclusion of "quantum leap" program. this is an ineffective micromanagement tactic that will result in voluminous agent resignation and termination, lackluster sales results at best and deepen the already existing poor morale in agencies. ceo john barrett who was never a "field guy" is totally out of tune on this one. other major negative factors include very poor and expensive fringe benefit package including major med and hospitalization, 100% commissionable income after 1 year, non competitive term and universal life products especially at 100K and above, deceptive hiring promises surrounding compensation and entreprenaural freedom, lack of name recognition and industry advertising (none outside of tennis anyone?) unrealistic annual production quota, poor presentation software packages for complicated or well to do prospects, etc....