Pros
Highest commission in the industry
Cons
Poor quality leads, they make it out to be the best business opportunity in the world. It’s really not. It’s just another sales gig. It’s a very high risk business with little potential for growth considering how saturated the market is. They make it seem like you will be able to start a big agency and grow it. The problem is you might be in a big city with other companies that you compete with. Then you hire 5 agents in that city then they compete with each other then they each hire 5 more then they compete with everyone else. At the end of the day there are not enough leads and everyone will not win. They like to sell this idea that everyone will be able to win but it’s not true. I bought leads from them and got leads resold to me that I had already bought before. This goes to show they most likely sell the same leads to other agents. I went to their convention. It’s funny. They have grown that’s for sure. But they think they are gonna fill the stadium one day and that will never happen. 1. It’s sales and it’s not a popular profession 2. This type of business has its limits and everyone can’t win. There isn’t enough people buying life insurance. Wasn’t impressed. I started out as an agent with them and did okay. Sold some policies but it seemed to be never enough to make a lot of profit from the all the money I was investing on their expensive low quality resold leads. It wasn’t my sales skill trust me I did foot to door sales for 2 years I know how to sell and work hard. Ended up getting a lot of charge backs because you got to understand the market they target. They are old disabled people that barely can afford their rent let alone life insurance. When I did door to door we would at least go out and sell people that lived in nice houses and had the money to afford extra payments. I’m not saying life insurance isn’t important. It definitely is but if you can’t pay for it you can’t pay and if they don’t pay which many won’t, you get charged back and go into debt. Wouldn’t recommend.