Pros
The company is amazing. The planning process and the products are some of the best in the industry. They really place importance on getting the client what they need and adding value vs making sales. The culture is less like an office and more like a family. There are regular coaching meetings and an endless amount of training resources for you to utilize. There is a PENSION! And several bonuses for you if you hit certain metrics.
Cons
As an advisor, you are a business owner. You start with zero clients and it is your job to get referrals to set meetings and hopefully acquire clients. If you have a big network and a lot of connections, this is a great opportunity. However, it can be very awkward to ask people you barely know to give you referrals and if you don't, now you have no one to call and thus no work to do. The pay is 100% commission based on the premiums of the policies you sell. Can be very hard if you don't have resources to sustain you through the first year or two where you aren't making much money.