Pros

They have worked on the work life balance in the Sales department. You a guaranteed a commission even without hitting qualifiers. There is potential for growth for the right individual. Majority of people are nice and will help wherever possible. Great first insurance job. No cold calling.

Cons

There is not as much overtime as there was in the past. The compensation plan works well only if you can cross sell all products of insurance. Majority of the partner products cannot be sold by the basic sales agent, it must be passed over to another agent. Management is only concerned about conversion and sales per day, not about quality unless there is a problem. Management does little to address the individual concern, instead they quote research as if that is the only fact to take into account. No uniform policy. Some management will say one thing, others will do the opposite. I have had arguments with management about processes and after a month of bantering the manager admitted they were wrong. No kickback on renewal business. Your book resets at the beginning of every month.