Pros
- solid training for a new insurance agent - competitive rates for the ideal client (good credit, no claims history, multiple products) - home office / customer service / claims department very helpful (solid support staff) - benchmarks are largely based on commissions, which allows an agent to effectively track their overall progress in building a book of business
Cons
- contract is changing for employee agents, yet new agent positions are still being advertised as including a base salary/benefits/office space/etc. (don't pursue a captive/exclusive agent position with none of the benefits of a captive/exclusive agent position ... an independent agent option makes more sense--more options/carriers) - everything rises and falls on life insurance production (huge emphasis) - if a client isn't a perfect fit for what Country is looking for, you won't be competitive (low quote-to-bind ratio), advice from management: "just increase quote numbers" - your overall experience will largely depend on: 1) your manager, 2) the rates for the state you live in, 3) life insurance production - technology lacking (ex: no e-signature option for home insurance applications)