I was an independent agent with this company for under a year, but observed it very quickly and knew it was a scam. - Independent Agent Bankers Life Employee Review

You're an "independent" agent, but you're micromanaged. You are only paid from whatever sales you make which is upon approval from underwriting, which can take from a week to a month. Even though you aren't getting paid for this, they expect you to go into the office by 8:30 am at the latest, and stay at least until 7pm. You're highly micromanaged. They expect you to make at least 200-300 cold calls a day, and every 45 minutes ask how many calls you've made and if you've booked any appointments. They also expect you to put whatever sale you make in a whatsapp chat group so they can keep track of your progress. They give you a script that says to tell people turning 65 that you sent them information regarding medicare, even though you haven't. They use it as a tool to verify the address that person lives at. When you arrive to the appointment, their main goal is to not only sign you up with medicare, but they have a fact finder where they gather information about you to try and see how much money you have to sell you annuities or any other products. One of their tactics is making the elderly cry by making them think about going into nursing homes, guilt tripping them by saying, "you want your kids to take care of you?" In a training I did a few days ago, the manager at my former office explained, "If they are receiving a $900 SS check, it's okay to be an hour late. But if they have a higher net worth, you want to be on time." Basing how deserving a person is of your respect by their income is just horrible. They expect you to go door knocking, they give you a mobile app where you know the person's name, number, and address. Imagine someone approaches your house, and they know who you are and they know that you're turning 65 soon. When they get people who are on edge by knowing where they live, they tell them "We're staffed by Social Security since they don't have enough staff to go out and explain Medicare to people." Which is a blatant lie. Out of what you make for the company, you only receive 55% commission, but they still take out money in case you have possible charge backs, but don't use that money when you get one. I was supposed to receive $718 last week, but I had a chargeback for $208. so I knew they were going to take that portion out. From that, I was supposed to then receive $510. However, like I said, they take out money from what you're getting paid in the event you get a chargeback. They keep taking money out until you've reached $1,000 in what they take out. So when I got paid, I only received $364 or so out of $718. I experienced sexual advances by another co-worker I made a cold-call and the person told me they would rather lay with me than sit with me. I hung up and wasn't comfortable with that. One of the managers told me, "Don't get offended. Use that to your advantage." First off, I wasn't offended. But I shouldn't have to use sexual suggestivity to my "advantage". It ISN'T an advantage. I told him I am constantly sexually harassed and shouldn't have to deal with it in the work place, and that he probably doesn't understand it because women don't just go up to men making sexual advances. And he then said I was being sexist for saying he doesn't receive sexual harassment . However, I never said that it doesn't happen to men. I said that MOST men don't experience it AS MUCH. He said I shouldn't make it a big deal that I have dealt with sexual advances/sexual harassment. He said, "yeah it happens, but there's no need to react to it." Not keeping in mind the possibility of having dealt with sexual ASSAULT. Which, I have. Multiple times. I was molested when I was 5, coerced when I was 13, and raped when I was 17. And all the time in between, cat-called, told disgusting things, followed by creepy men. I went to the bathroom and broke down crying. For the first time I experienced the inequality in a work place because of my gender. Not on my paygrade, but on how much I should have to deal with on a basis of respect.