Pros
If you're unemployed, but have a life insurance license... they'll hire you. In California, they'll reimburse you for your mileage expenses in cash. You'll learn how to do cold-call phone prospecting during your time at sales school. You'll also learn to do b2b sales calls and stops with your TM during your 1st week in the field.
Cons
- 3 different managers calling you to 'coach' you with different methods. That's called 'diffusion' and it's quite annoying. - Text-based management/nagging. I don't fault my TM... he's just doing to us what was done to him. - Too much emphasis on selling/updating information on prior sold policies. Those 'lead cards' are a crutch and a waste of time. I was given BOXES of those things... and all it did was serve to distract me from doing real prospecting. It's quite annoying to be the 5th Combined agent to call on these people over time. Makes them wonder what's wrong with the company for having so much agent turnover. - The selling process taught at sales school is too much of an interruption when going business-to-business. "In 5 minutes I can show you how you can get paid cash in the event of an emergency. It's fast, easy, and hassle-free." Well, thanks for the verbal spam... but if you're not invited, you're not going to get very far very often. It's rude... and when salespeople are taught to be rude... they won't keep prospecting because they know they are being rude. - Product line SUCKS... partly due to California law requiring that the policy owner own a health insurance policy before being able to buy hospital indemnity, cancer, & critical illness. Their DI policy is the WORST I've ever seen for anyone working for someone else. A $500 monthly benefit... for people earning $20k - $70k... and then it can be reduced by up to 40% with state benefits? I'd rather buy a REAL DI policy from a company that would start a monthly benefit around $3,000 or so. I mean really, what's the point of this DI policy? Good only for business owners, not for anyone else. Also, no term life insurance for the individual rep to sell? Only non-par whole life up to $100k? You can't do proper life insurance planning with such low limits.