The hierarchy isn't managed very well. You have to sell insurance that folks aren't really ever going to use. This can make it tougher for upwards mobility if you're great at managing, but not might be as good in sales. It's a filtering process, and the downside of this as that you'll get managers who shouldn't be managing, but are purely because they hit the top 3 or whatever three months in a row.
They train you to be "sales people", which in essence, you're a customer service employee dealing with a lot of logistical issues that customers face with from time to time. Most of the clients are going through insurance, so they don't prefer to have to pay anything at all, so you have to tread lightly.
The workload can be much more balanced. There's no reason that so many of the employees should have to work 50+ hours consistently when the company is dominating the market. Why not hire more people, split the shifts, so everyone can work towards a 40 hour work week?