Pros
-Good company with high moral and personable leadership; they have the best of intentions and are not out to push product or take advantage of agents. -Flexibility to make your own schedule and choose the clients you see. -Company no longer requires a $5000 up-front investment and does have a system for financing leads that works sort of like a draw. -The clients you typically see are very much in need of your product, so you can feel that you are doing a good moral thing at the end of every day. -Training and coaching on the selling system/styles is offered free to every agent and is available online. -Weekly calls are motivational and filled with good suggestions/best practices from successful agents. -Commissions paid are reasonable for the work. -Not micromanaged--truly independent. If you are in a position to work a lot of hours, possibly travel 1-3 hours from home to see clients, have about 3 months living expenses saved up or a spouse that can pay the bills without your input, and the ability to take rejection well, go into people's homes, and keep a positive disposition regardless, then you can do very well at this job. The lead system is proven to work as a numbers game--buy more leads, get more hot prospects, make more appointments and pound more pavement, and you can see enough to make it.
Cons
-Have to front the cost of your training and licensing. -Have to front the cost of your leads (about $3000 over 3 weeks, then $1000/week thereafter). -100% commission only. -Even though the clients you see need the product, they do not usually manage their personal finances in a way in that supports them buying the product. Also high chargebacks due to the nature of the clientele. -Limited product line and ability to sell to clientele due to health concerns and/or payment methods available. -You will have to work 6 days a week and long days on the phone, cold prospecting (door knocking), and pounding pavement to be successful. The lead system is helpful, but in its current form, produces questionable prospects for a large upfront expense. You do have to sling a lot of hash to bring home the bacon, so to speak. -Product training is very minimal and could be a liability for all. -Chargebacks are high which makes it difficult to make a living and puts an agent at risk of owing an insurance company money. If you have difficulty with self-discipline or taking rejection; if you are uncomfortable in people's homes of varying conditions, if you cannot afford the upfront expenses involved and give yourself three to six months to get a good start, then this job will be a stretch for you.