Western and Southern Life Reviews

Updated March 17, 2015
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3.0
172 Reviews
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Western and Southern Life Chairman, President, and CEO John F. Barrett
John F. Barrett
101 Ratings

Pros
  • The company has a good training program (in 12 reviews)

  • Very good training program for new agent (in 12 reviews)

Cons
  • If you don't get a book of business you will be jealous of the ones who have them (in 11 reviews)

  • They constantly struggle to make sales and have an extremely high turnover in the first 3-6 months (in 11 reviews)

More Pros and Cons

Employee Reviews

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  1. Featured Review

    1 person found this helpful

    GREAT COMPANY

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Western and Southern Life

    Pros

    Great company to work for with great compensation and benefit package. Straight commission after 8 weeks, so you get out of it what you put into it.

    Cons

    1. To many Sales Managers and Trainers that are doing the training not qualified. The trainers were not successful in the field so they go to Home Office to train others on how to do it.....not good.
    2. Some Home Office personnel need to realize that without the Financial Representatives doing what they do there would be no need for their job.

    Advice to ManagementAdvice

    1. Set up a Mentorship Program using your more successful Financial Representatives as Mentors
    2. Remove unqualified Sales Managers that should not be Sales Managers and put more qualified individuals in that position.
    3. Instill a culture at the Home Office that they are there to support the Field.

    Recommends
    Positive Outlook
    Approves of CEO
  2. 1 person found this helpful

    remarkable company w/ great incentive and benefits plan

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at Western and Southern Life full-time (more than 5 years)

    Pros

    incentive plan, benefits, products, and training

    Cons

    management and staff turnover and as a result, the FR's in the bullpen tend to whine

    Recommends
    Positive Outlook
  3. 1 person found this helpful

    Decent company to get started in the business

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Western and Southern Life

    Pros

    Made $52000 my first full year. Made leader sales meeting my first full year.

    Cons

    Pay is very unstable. One week my check was $1500 three weeks down the road it was $800.

    Recommends
    Positive Outlook
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  5. 3 people found this helpful

    Not a good experience. Legacy management were more concerned in protecting their positions than helping agents.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Sales Manager
    Former Employee - Sales Manager

    I worked at Western and Southern Life full-time (more than a year)

    Pros

    Office, tenured agents, staff, benefits (sort of), camaraderie with other agents

    Cons

    Unrealistic, mandatory schedules, charge backs from previous agents' lapsed business, culture of poverty at local agency. No one could afford lunch.

    Advice to ManagementAdvice

    Remember that you serve the agents, not the other way around. Find ways to be successful other than relying on "book of business."

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  6. 1 person found this helpful

    Good place for intro insurance job

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Western and Southern Life

    Pros

    Learn valuable career tools; customer service, patience, overcoming objections

    Cons

    Average pay, micro managed, stuck in the past

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  7. 2 people found this helpful

    Financial Representative

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Contractor - Financial Representative
    Former Contractor - Financial Representative

    I worked at Western and Southern Life as a contractor (more than a year)

    Pros

    health insurance, product training, clerical staff, coworkers

    Cons

    Work life / home life balance non-existent due to pre scheduled meetings and micro management; most of your commission is banked for future payment and if you leave you don't get it back; 80% of training focused on how to sell and not product training; as with other commission only jobs in this field, you are only paid for what is approved and accepted by the client -- often policies are declined or, due to risk, repriced out of client's budget and then not taken by client; I felt that some of the questions I asked were asked for the first time, which I find hard to believe; it's possible for someone selling appropriate products to follow all instructions given by management and still fail-- elements of luck and timing are very helpful in establishing one's business; lastly, it won't feel much like your business because it feels like you're being micromanaged instead of helpfully guided because management schedules so much of your time for you.

    Advice to ManagementAdvice

    Not fair to tell incoming employees it's their business they're establishing when so many variables are controlled by management. I often felt that management could not perform in the way they expected their sales force to perform. Better technology is needed for efficiency.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  8. 4 people found this helpful

    Great Company

    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Western and Southern Life

    Pros

    Training, support, compensation and benefits. Management from upper to middle care about the success of the field and the financial reps. The sales process is built for success. If you have a really good work ethic and don't try to take short cuts, you will experience success. So many new representatives get caught up in and have a difficult time managing their time with the flexibility this career offers. It is not difficult to prospect for people to see. It is a task, however, that alot of people aren't motivated to do. If you actually "ask" for referrals, get involved in your community and participate in events and market to small businesses along with seeing your regular clients, you will be successful. It seems from reading several of these reviews that people are blaming the company for their lack of ability to execute on this position. A good work ethic is an absolute necessity if you're going to experience success.

    Cons

    Upper management has gone through changes that have made the direction less clear to the field. The technology is a challenge, but the company is in the process of improving that. The compensation is difficult for new reps to manage if they haven't had prior commission experience. It used to be easier to develop representatives when they had a guaranteed salary for a year.

    Advice to ManagementAdvice

    Transparency from home office to the field. The field is often left in a speculative thought process about what changes are coming and how it's going to impact them. If the communications were more timely and less veiled, that would be an improvement. There is a field advisory board, but the field sees no value in it. Upper management would do well to actually involve the field in changes and policies. Too many people who have little to no field experience, or have been out of the field for too many years to relate to the field are making decisions that create an untrustworthy environment between field and upper management. Take heed to what your field is trying to tell you.

  9. 1 person found this helpful

    STAY AWAY FROM!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Contractor - Financial Representative in Cincinnati, OH
    Former Contractor - Financial Representative in Cincinnati, OH

    I worked at Western and Southern Life as a contractor (more than a year)

    Pros

    8 week training program with base salary

    Cons

    Everything you will be told will be a lie. After training you are on your own, you pay for everything including postage. There is no way you will succeed, none.

    Advice to ManagementAdvice

    You should be ashamed. The very people you hire that want to succeed, you leave bleeding,bankrupt, homeless just to protect yourselves.

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
  10. 2 people found this helpful

    Pay scale is in favor of the company not you.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Financial Representative in Sandusky, OH
    Current Employee - Financial Representative in Sandusky, OH

    I have been working at Western and Southern Life full-time (more than a year)

    Pros

    Great people to work with in general.

    Cons

    The company which prides itself on being sooooo traditional and a staple in the region doesn't market itself even 50% of what it needs to do! Turnover rate is redicilus! New agents are expected to build there business from nothing... After 7 weeks of training and not allowed to sell anything! Micromanaged, captive, meaning you are not
    Allowed to do anything unless management and compliance approve. They want control of your social media, your personal life and anything u say to anyone. Oh not to mention that If you are not
    Making any money they EXPECT you to just be able to invest MORE. Money into "your business". You get paid 20% up front, which sounds good at first because you can keep collecting a paycheck
    When ur not doing well, meanwhile other companies pay 50+ all around and have a better residual plan. They preach that it's your business and you have to run it how u want it to be run, but they tell you how many dials, how many appts, how
    Many days to be in the office for meaningless "training" all the time. They will schedule meetings or webex training and tell you to change ur schedule. Oh if you were hired when u got a book of business (which was a selling point) they don't tell u it's cometelt run over and beat down of clients who don't want to b contacted. Oh and if there is a 1 or 2 year policy that lapses on ur acct and u didn't write it, they charge it against ur persistency, which will basically kick u out of the running for leader sales meeting. You also are under contract to get your series 6 in one year and if you don't you get put on probation or moved to a non brokerage district. Which by the way you have to pay for ($650)! Even if you sell $100,000 in brokerage but not enough life insurance (core products) you will be let go for not making min perf stds. Smh...

    Advice to ManagementAdvice

    GET OUT OF THE STONEAGE! STOP MICROMANAGING AND FIX YOUR CRAPPY 20% PAYSCALE!! THE ECONOMY DOESNT SUPPORT WHAT YOU EXPECT THE AGENTS TO DO!

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  11. Great Company and Great Home Office Support

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Western and Southern Life

    Pros

    This company has the best compensation and benefit package in the industry. I challenge anyone to prove that statement wrong. The company also has a good training program for new recruits.

    Cons

    High turnover due to Sales Managers and some of the training personnel not being qualifed to train the new recruits.

    Advice to ManagementAdvice

    Listen more to the leaders in the field.
    Use the leading Financial Representative is some type of mentoring program so new recruits can learn from those most qualified to teach.

    Recommends
    Positive Outlook
    Approves of CEO

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