Pros
All materials provided. Good training. Flexible Schedule. Bonus System.
Cons
Unpaid training - two weeks long - if in NY/ NJ or New England, you will go to the location in Schenectady, NY and stay there for a full two weeks. They provide place to stay and pay mileage if you drive, airfare if you fly. No food expenses, you are on your own for all your food, which can add up after two weeks. Commission based salary. Door-to-door sales. Hard sale tactics No benefits for 6 months and that is only if you hit a sales number. Must pay out of pocket ALL business related expenses - phone, fuel, printing, etc. Claims issues from previous and current customers. Leads provided are for current and former customers who complain about being visited too often and pushed way too hard by lots of different sales reps for Combined. Unknown in public sector - no advertising whatsoever. Uses word of mouth and door-to-door sales to advertise. High cancellation rate of policies. HUGE turnover rate - told by my marketing director that sales agent turnover is 150% and territory manager is 100% - each per year. Scary stat.