Primarily insurance sales. Good offerings all around, but stellar at none.
Pros
Company has a long history and honest products. Definitely not a fly-by-night operation. The biggest advantage is that the company works very hard to stay out of trouble areas in the industry and provide basic but reliable services. If you are a knockout insurance salesperson, you can do very well. Systems and processing support for reps are adequate. There are product offerings that allow for some sales in a variety of financial services areas (like insurance, investments, and banking).
Cons
You are on your own from day one. Like many small businesses, there's no salary, corporate marketing, brand recognition, nor assets under management for new hires. The monthly recurring costs are higher than many competitors and has significantly high turnover because of it. There are product offerings for a lot of different services, but they are not the top-tier in any of them. If you want to focus on investments, go to Edward Jones. If you want to sell insurance, got to New York Life. If you want to sell bank deposit products, join Chase. Compensation rates are relatively competitive for the industry but base salaries or corporate-covered expenses at most competitors usually make all the difference for new hires.