Pros
Remote. That’s about all I can think of.
Cons
You will absolutely go broke doing this. I was told that we would make around $75k the first year and keep increasing. I was told this is the place people come to retire. Here is the reality: HST was bought out by National General. So although you are called a “broker”, you’re really sales rep for National General. They have horrible products that no one wants, with a bunch of limits and exclusions. If your client isn’t in PERFECT health, they may not even get approved. And if they have literally any condition whatsoever, the company won’t pay for the office visit. It’s a scam. I found this out myself as I switched to National General and got a letter from National General saying my office visit wasn’t covered. Basically, the only time they will cover your clients to go to the doctor is if they are sick; which most obviously use virtual medicine or urgent cares for common sicknesses. You will hear over and over again by clients that it’s too expensive, and they are right. I lost so much money and made so little doing this for even this small amount of time. I spent well over $1,500 within a month! The leads they say are “free” have been recycled and called well over 15-20 times in the past 2 months. You get 50 “fresh” leads that are recycled and called about 5-10 times. They have the option to pay for “premium” leads, which I did, only to find out the advertisements the clients clicked on was misleading and deceiving. You will get zero help from managers, you are on your own. I worked over 10,000 leads within 2 months and only sold a handful because the products are so bad. Anything pre-existing, no matter what, is not covered. Period. Everything about this is a rip off. Beware jumping fully into this. You will literally go broke. I had to find another job quickly because no one wants these products… not even me. I cancelled my plan and moved on from this company before I had to declare bankruptcy! Before people say “You are just a bad salesman”, I sold for another company before this and was number 2 in my region. You can’t convince people to buy garbage without losing integrity.