Toxic environment, manipulative business model
Pros
If all you care about is making money, you can make $30k/mo with hard work, great personal connections, and high pressure sales skills.
Cons
Very toxic environment from top down. It’s starts with management. Their business model preys on new hires. You create a list of 200 personal contacts and hammer them on the phone until they buy life insurance or annuities. National Life Group pays them 120%-140% commission on annual premium, but they only pay you (the agent) 50%-80%. Once you run out of your warm market leads they don’t provide you with more leads and you’re on your own to bring in new business. 75% of new hires don’t make it past 1.5yrs. You’re pressured to oversell life insurance to people who can’t afford it and even if it’s not in their best interest you’re trained to tell them it’s the best possible thing for them. You have to go to sleep at night living a life of constant lies and deception and there’s no way to stand up to management without constant threats of getting fired. There’s way more ethical insurance firms to work with out there. Also, their top agents are involved in law suits for pitching clients a $300M Ponzi scheme Drive Planning out of Georgia (google it). Many clients of this firm got scammed out of tens to hundreds of thousands of dollars each.
