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Western & Southern Life

Engaged Employer

Financial rep - Financial Representative Western & Southern Life Employee Review

4.0
Nov 7, 2015
Recommend
CEO approval
Business Outlook

Pros

You don't need to clock in or clock out. You can start your day at 9am if you choose or come in at 8am if you need to get more work done. You do get mileage reimbursement and if you travel just 38 miles (round trip) for a sales call or prospecting - your check will be around $30 - $39 or so.

Cons

Everything else. You are told you will get 90% commission as a first year rep, yet they "hold" 90% of your commission in their employers bank account and then they "Release" the rest of your commission in week 30. What place does this? You are told you will be paid a salary of $650 a week for 6 weeks for training - but the managers leave out one tiny major detail. If you don't complete the modules on time by each Friday by 5pm EST, you don't get paid that $650. The managers want you to not finish your training modules in the office. they want you to do the E-Talent from home from 7pm to 10pm at night (and they don't realize that it takes about 16 - 18 hours per week to complete 2 module each week) The managers ONLY want you to write more business. They expect you to have 6 appointments in your very 1st week of work and in week two , they want you to have 12 appointments. In 8 weeks, they expect you to have 80 appointments (not sales). They want you to have 16 appointments in week three. If you have 4 appointments per day, you will not get your E-Talent done. How can you have 6 appointments (not 6 sales) in your first week if you have a very POOR warm market that earns less than 25K a year? If you don't know people that make at least $35K, what do they expect? The managers will make you call your friends and family (you need to get a list of 100 people before you start work there) they MAKE YOU call them your 1st week there. They will not give you any scripts to use. If you don't ask, they will not give you any help. The SM's are untrained, they don't know how to motivate people, they don't know how to communicate with you. You must write down everything that you do on a log book and if you try to explain you are doing your E-Talent training modules from 8am to 12pm, good luck with your manager having any understanding in that. They will drive you to quit your job before your 6 weeks of training is over. I'm already seeking other employment.

Explore other reviews about Western & Southern Life

5.0
Jun 4, 2026
Recommend
CEO approval
Business Outlook

Pros

Incredible training. Took me from no knowledge in the industry to being totally prepared quickly.

Cons

Stressful work environment depending on the manager.

3.0
Jul 1, 2026
Recommend
CEO approval
Business Outlook

Pros

Local office was fantastic. The head of the local agency was a fantastic leader, one of the best I have had. The training program was very hands on. In terms of starting a financial practice with a firm, they have some of the best compensation, with a very strong base.

Cons

HR department is more like police on a different team than on your team. Always seemingly trying to make life harder for reps. Unlike anything I have ever dealt with.

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