Pros
Can make a decent amount of money if you’re ok misleading clients. Flexible schedule sort of but your mga will probably treat you like an employee rather than a contractor and ruin that as well.
Cons
ALMOST EVERY top agent is lying to customers or at the least being very misleading with how they describe things to clients. The leaders at the top are aware of it but care more about numbers and growth than having integrity. Leadership will lie to you during interview and training until you’re already in to deep. The leads are hostile due to the company assigning multiple agents the same leads over and over. So many customers have been contacted 2-4 times already THIS YEAR. Not to mention year after year. Leadership will just blame it on you not getting refs from the bad leads, aka you’re making your own leads anyways. The contract is terrible. You get 60% BUT only on one product. Everything else is lower percentages and if that isn’t enough you only get 65% of the 60%(meaning you’ll get 39% commission on your paycheck IF you sell whole life). The rest of the money goes to your “back end” which most people will never see a dollar from and if you do they still withhold thousands from you in that account which they will pay out to your leader when you leave. I.e. why they don’t care about the turnover bc they’re getting the rest of your contract money.