Pros
The product line is good....the clients have a solid product. Benefits look great....if you ever get to enjoy them. Year one of the contract makes the income look great....there after....watch out! Benefits are good...but expensive....retirement is good... most hired will never see any part of their hard work placed on their behalf towards their retirement.
Cons
MGMT - are like used car salesman - turn and burn mentality Each agency runs independent and Home office is another entity. Therefore if there is bad agency management, or an issue...there is no system in place to support an employee. Some Mgmt are so old school and "good ol boys club" that they are disrespectful of the leadership and co workers. Its like they are in the 50's or 60's era. GA's encourage an FR to build their book of business, like it is their own. business...Then the GA's start their "hunt" to devour the agents ....and keep the agent's book of business.. Once you have worked for many years...you are "trapped" - can't afford to loose the book of business and start over, but can't stand to work there either.