1.0
1 Apr 2026
Recommend
CEO approval
Business outlook
Pros
Fast high commissions (at the cost of the client) Fast approval and easy underwriting
Cons
Insurance not suitable for everyone (they don’t care) Not following states suitability guidelines. Deceiving sales techniques Not a funeral plan (life insurance) Contract benefits the highest hierarchy Contract agents as “independent contractors” (Liable for the malpractices) Non Captive - but they can fire you at discretion of your uplines Insurance cost is too high Made for the lazy agent who want fast cash Product not protected from inflation (again, not a funeral plan)