Pros
6 month new agent subsidy makes it a good "short term" opportunity. Employee position so you have taxes deducted and access to "expensive" health insurance benefits.
Cons
Unprofessional distribution system cold calling! Don't let them try to tell you differently! Unethical business practices! Very expensive health insurance benefits! Very little support from management after your 2 week training in Chicago and 2 week in-field training (That is normally NOT followed). Products are NOT priced competitively AND their underwriting is WAY TOO RESTRICTIVE for their pricing! They put WAY TOO MUCH money into their high level managers and NOT NEARLY ENOUGH into their agents and territory managers. They also provide MUCH more recognition to high level managers, rather than to the agents and territory managers, that are responsible for their success in their high level management roles!!!! They hire anyone, so if you NEED a job while looking for a career, go take their money for several months. DO NOT expect it to be a career opportunity!!!!!