Constantly micro-managed and made to feel inferior of management. Reprimanded for being off the phone to take a leak or catch your breath after taking several 15-20 minute calls back to back. Its all about attempting to get members to buy products many of them can't afford in this economy. Most of the members already have life insurance through the military or their employer, bank with someone locally, and don't qualify for car loans and home loans through USAA because they are super conservative with their lending practices. And that's okay, but don't penalize employees because a member has made a conscious decision to not go into more debt with a new credit card or chooses to invest with a financial advisor he can recognize in a crowded room and not some stranger over the phone pretending to have a relationship with.
The compensation for selling property & casualty insurance products is obsolete. There is no commission when you get a member to buy a new personal property or renters policy or open a checking or savings acct, but you better darn well do it or expect a verbal beatdown from your manager. Where is the motivation for real sales people when you pay so little bi-weekly. Instead you're to depend on an annual bonus determined by the USAA Gods and which you aren't guaranteed to get. You have no control over your own paycheck like a real sales job, but rest assured this is a sales job!! The members are getting younger and less educated by the minute so in this economy they don't see the value in anything except their car insurance.
Everyone I know is looking for another job, but its a tough market so they are miserable, stressed out and in fear of losing their job.
