Pros
It's a big company that offers perks when you reach high sales volumes. Perks include conferences and training with expenses paid. There are some good, high-end insurance products.
Cons
The company is set up like a pyramid sales company that has agencies all over the place. Each agency is run by one general agent. Agencies run through field agents and staff people faster than donuts leaving a donut shop. I've stopped learning people's names because few people lasted long enough to remember. That includes management. The personal benefits package is minimal, especially the insurance coverage considering this is an insurance company. You are expected to pay for benefits and most things, like licensing and office space, if you don't hit high sales every year. Some agencies charge for office supplies etc...whatever they can get away with charging. It makes it difficult for people to start and establish themselves--there are few exceptions. Home office is separate, but they handle all of the paperwork. They often make problems with your client relationships, i.e. mishandling billing, yet the home office people take no responsibility for their errors. It all falls on the field agents which can interfere with building client's trust. Again, making it difficult to establish themselves. Another reason few agents make it beyond the start.
