Not the best place but not the worst - Anonymous employee eFinancial Employee Review

3.0
Apr 12, 2023
Anonymous employee
Recommend
CEO approval
Business Outlook

Pros

they have some lenient managers and as long as you are doing your job they are not micromanaging you. you could get some bonuses if you get the most amount of call transfers its a total bonus of $350 but you have to be the top person out of all BDRI's once you get to BDRII you could get up to $2.50 for every transfer you make if youre the top person and above 90% of the team average. 10% commission on all sales. and it goes based off the annual premium for the life insurance as a BDRII/CSS you dont get any clawbacks on sales so if someone cancels you still get paid out for the sale and efinancial takes the hit.

Cons

The leads they get are not reliable you can have a very good day and get a lot of transfers one day and then the next you could get a lot of voicemails and hang ups. your job as a bdr is based off your transfer% how many calls to transfers you have. if you fall below 90% of the team average for the week you could get put on a performance development plan. Essentailly youre on probtion and if you dont bring your % up in the next week you will get your final pdp warning. after two weeks if you dont have your % to at least 90% of the team average then you get fired. The only thing about that is that you can not control the leads the get. Its unfair and the management themself have no idea how the leads are generated and separated to each BDR. It seems like it pure luck on which type of calls you get. I was working there as a BDRI for 5 months and the first 3 months i was getting bonuses every month for the most transfers then one day i started getting a lot of bad calls where they are just hang ups or voicemails. It doesnt take any type of skill to do the work in the BDRI position, you do have to fight some objections but its fairly easy. It's impossible for someone to suck at the job. I was put on a pdp multiple times in the range of 2 months and thats because the leads they are have are reused and old. as an AE you get clawbacks and some people have got $12k in clawbacks from one commission check. you could make a lot of money in AE but its not as steady as the CSS position. you could control your check better when you are selling as a CSS. Benefits are kind of expensive and you get accrued pto every pay period (15th/30th) you get 3.5 hrs of pto. you have 2 paid holidays and you accrue sick time as well about 2hrs every pay period

Explore other reviews about eFinancial

5.0
Feb 19, 2026
Recommend
CEO approval
Business Outlook

Pros

Has been an great opportunity. Can do big things here. A lot of the complaints are people who dont put in the work to advance. You have to work hard to get to AE. They have sales meetings every month and call out promotions and there are ALWAYS a lot of promotions to sales roles. You literally see promos every month. Good earning opportunities get to work fully remote from home. They invest a lot into you starting up. Yes, you have to make it past BDR role but that’s an important role because it’s when you get licensed and then when you become an agent your get leads sent to you all day. Company is like a small family you can tell leadership is strong together which makes for an enjoyable work environment. Can go on with pros: good benefits, base pay, computer + monitors, incentives, company trips for top earners, training, it goes on.

Cons

They give chances to non- sales backgrounds. Therefore you’re sometimes dealing with the inexperienced people that think it’s a cake walk. They quickly find out it’s not as easy as they hoped. In turn they don’t try to get better and blame everything but themselves, which is why you see a lot of these negative reviews. I had people on my team complain about everything and you could tell it wasn’t going to work out for them right away. It’s sales it’s tough. Gotta put in the work as you would any company. People say you can make more flipping burgers.. ya their goals are also not long term if working for the minimu wage rather than the commission. If I could change one thing I’d suggest they only hire sales ppl so that everyone could be surrounded by like minded individuals but I get it. Some people make the most out of it with out sale background I’m sure

1
3.0
Jun 30, 2026
Recommend
CEO approval
Business Outlook

Pros

Remote availability throughout the country.

Cons

Unrealistic sales quotas and expectations.

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