I guess the opportunities to earn a great number of income (as they promised) are there, but you have to be lucky (majority of your clients don't cancel their policies within the first year after purchasing, or you will be asked to pay back the "first year commission") and have your own agents. Though your "up line manager" will "help" you solve the problem of being asked to send the commission back by telling you "call the carrier and let them know that you're willing to work on another sale and to deduct the amount from your next sell instead of a pay back. But they usually won't tell you the truth: it happens all the time. Instead, they will say: “to be honest with you”(such a term that has been used too much), for the years I've been working with SFG, I experienced only one time of being asked to send the commission back. Well, that's just something they say if they are acting kind and caring. But most of the time, you will hear this: it never happened to me, don't worry about this, our clients are selected, which means they have the money to stay on the policy.
Well, please let's just use a bit of brain to look at this, there are too many uncertain in this plot: 1) the customer lost the way of gaining enough money to support what he/she has; 2) he/she found another insurance that is either cheaper or able to offer better services at the same price; 3) he/she just changed their mind, feeling no needs for their policies....
Think as many times as you need before entering this. Look at Amway operations, if that is what you want, then this is a place for you.
You will probably hear the most amazing things from people who work for this company, it sounds so great that you can't afford to turn away. Well, then you should know they're addicted too much into this and in someway, they put themselves in a cult that they are not aware of. Just like the commercials or sales person, will you trust them if they are perfectly good?
The fact that working under the up line manger over the phone calls, once every week conference (phone calls), and phone calls in order to secure a customer, etc... all these overwhelming phone calls are just too much, and there are plenty of jobs that can pay you better (unless you're an agent manger, and that will take you years to get there) out there for you.
They tell you it's totally flexible and up to you, you have the extreme freedom. But seriously, if you want to make at least $50,000 a year, you have to work most of your time for the first few years, and that actually give you less and less time with your family and yourself.
Stable salary and less stress are better than something that can't assure you a success.
Please, please, personally, I will protect all my friends from entering this.
And I'm quitting how.
