Pros
No set schedule, independence that you don't have at another typical corporate job
Cons
Oh man. I should've listened to my gut on this one. It already sounded too good to be true from the start. I was very hesitant and resisted getting started, and now wish I hadn't. Had I known what FFL entailed from start, I'm talking FULL transparency, I would not have gone through the trouble of getting licensed, and then working hard to figure out how to sell to people. I sold many policies and most of them fell off. They talk about the ratio of those that will stick, but it's seriously ridiculous how much your production doesn't even count. Before you know it, you'll be having to pay for clients who stopped paying their policies. (read until the end for more on that) First off, the top producers, your uplines will always preach this and that. It's not actually that easy to achieve what they're telling you is possible. My upline was considered a "top producer" and always being interviewed for her accomplishments, yet I never actually saw her numbers posted on our agency's instagram nor weekly numbers. I later found out the way she was conducting business was completely not right-- double writing policies for clients. Not to mention, she was completely fake and turned her back on me when I disassociated with FFL. Now this is where it gets messy -- when I decided to leave the industry & stop producing. Now they NEVER warned us or mentioned the repercussions of this. Agent debt & chargebacks. Ask them about it. I'd be curious to hear their responses. Since I stopped producing, I've been charged over $2,000 in agent debt (this came from clients who let their policies lapse). My upline didn't warn me of this, and in fact, only texted me demanding I ZELLE her because I owed her. Super fishy if you ask me. This business is ridiculous. If you're on the fence, don't do it. If you're doing it for the money, don't do it. Do what really sets your soul on fire. Chase that, and you will be successful.