Pros
I did not have a pleasant experience in my short time with the company so there'snot really any pros that I can think of.
Cons
If you don't already have your life and health insurance license then the company requires you to get it before starting. In total I spent about $400 in the process of getting the license this includes paying for the 60 hour/ 2 week course, paying to take the license exam, paying for fingerprints for the background check and paying for the actual license once you have passed the licensing exam. Then the job posting mentions a "competitive BASE salary", which is just a complete lie. This is the case at least for the office in San Diego, no salary options were offered. They pay solely based off commissions only. When you first start off your commissions percentage is only around 60 or 70 percent. Another con is that while you are completing their "training" you are only calling B leads or community leads that includes leads that have been recycled for years by all other sales agents. The training is not much more then a phone script, an in home presentation script, and some occasional pep talks. Once you have finished training and are ready to handle the A leads, the company and the managers sell them to you. Another thing that isn't mentioned is the amount of driving that is required to go visit potential clients. The company or the managers don't reimburse you for gas so if you don't make the sale that gas is a sunk cost. All in all if you are looking for a job because you need the money right away then look somewhere else. With the time you spend studying for the course, the costs you pay, and the time it takes to get some good consistent sales it could be some time before you see some money. The work environment is also pretty unprofessional. Lots of gossiping among coworkers in the small office can make it difficult to work. The company also doesn't have any benefits as they also mention in the job posting,