Pros
Not a lot of positive things to say. This is a very grueling business and there is some opportunity, but you'll have to be strategic in how you accomplish it.
Cons
100% income, no reimbursement for any expenses, lies about leads and inflated selling by USM about income potential. The best way to make money in this business is to focus on the 65-67 market with hopes of rolling over their 401k's and selling med supps or advantage plans. All the other products ( life, critical illness, ltc and stc) will eventually cancel causing major chargebacks and loss of future income. There weren't any agents in our office making six figures except for the 3 fa's and the usm. Most of the agents struggled to make $40k. The turnover was horrific. They make the leads sound like a dream, when in actuality they're all recycled. There would be times when agents would book an appointment with a client and another agent would book an appointment with the same person that day. I remember going on several appointments where a Bankers agent was already there or they were an existing client. Wasted time and gas. When this was brought to managements attention they brushed it off. The Field Trainer's would often complain about how they split their commission with new agents, but this was very misleading. When you go out with the field trainer, they are running the appointments that the new agents booked. Then the commission is split 50/50 and the field trainer gets a field trainer bonus of 40% of the 50% of the new agents commission plus overrides. Very rarely did a field trainer take an agent to an appointment they booked to split half of their income. Most of the appointments that the field trainer makes are policy deliveries, signatures, or follow up business. That's why the field trainer's income increases because they are getting into appointments they didn't book, but getting 90% commission. If you're considering working here definitely have income set aside because it is going to take at least a year to make an income you can solely live on. Focus on getting annuities because that is the greatest opportunity with this company. With it being the greatest opportunity, it is also the biggest challenge to get people to trust you with their retirement income.