Pros
Potential for decent income but ONLY if Management takes a particular liking to you over other agents, and only if you have LOTS of money to spend on leads, hiring, advertising and are willing to drag all your family and friends into buying from you.
Cons
To preface this, I am usually very content with my employers and normally do not leave negative reviews. That said...Worst management I have ever dealt with. This is a large corporation that you'd expect more from but I was sadly disappointed very early on. The problem was that once you are invested in the company you can't just leave as you have signed a million contracts requiring ridiculous quotas that are almost impossible to fulfill without forcing every family member and friend you've ever known to buy a policy from you. And of course once this has happened you don't want to give up because your grandma and your best friend are counting on you to insure and protect their family. It's not like you sold them a T shirt...I've even lost very good friends over this because I was unable to help people with claims. Basically they talk it up like you will make tons of money and the district will support you but then they leave you in the dust once they get you "converted" (meaning Career agent) because that's all they needed to show Corporate. I lost my entire life savings, my dignity, and wasted 3 years of my life trying to salvage what was a doomed business from the start. Worst part was that they "accidentally" transferred 150 policies I'd written to another agent's book of business and never fixed it a year later so I lost out of thousands of dollars in commission and wasted countless hours harassing everyone to help me on it but no one gave a darn. I consulted attorneys hoping to sue for lost income but the Farmers DMs were smart enough not to sign anything so I was told I don't have a case. If I could give them negative a million stars I would.