They are crooks when it comes to paying you. They will lie about how much commissions are paid to them from the companies and then give you a portion of that money. You are expected to run your business by paying for help, rent, your own taxes for about 33% of the commissions paid out plus any bonuses. You also have to pay a monthly fee to First Command for their home office support. After you leave them, they will hold any commissions that came in for the next year and then release them to you but can charge you for up to 2-5 years for any charge backs that come. I'm not sure how that is legal since they don't continue to pay after a year. You might be surprised after you thought you moved on a few years later to get charges from them. They will push whole life insurance sales because of the larger commission pay out.