Pros
Nice people. Most of the staff are great folks, but I didn’t join this to be in a fraternity. I joined to help people be ready for the worst day ever and protect their financial interests. Sweeping this failed product under the rug is pretty terrible business practice. Especially when that is 75% of the orphans new agents get to start. You talk to a lot of clients sure, but you get to tell them that what they have paid for is crap and you are lost likely uninsurable now. That does not give you clients, esp when you don’t offer a product that can help them.
Cons
Can’t use SM. Company does not provide leads. I get no benefits. The training is redundant, almost like it exists to validate the training team at corporate. 1099 but a captive agent. Limited products and most of my time is spent fixing old failed products for orphans that are typically uninsurable.