Pros
Get to build a business in which you are personally responsible for the execution and growth of your business. Income is up to you to be able to sell the products and services that generate your income. The claims department was very effective in the claims that I had and left a very positive taste in my mouth.
Cons
Although you can work when you want, you are still held captive to only sell products and services that Farmers provides. When the pricing of the insurance products are not competitive in the marketplace, you ability to build business is hindered severely due to lack of options to provide your clients and inability to negotiate rates with the company. Although you cannot control the price of the product, you still must perform business growth objectives in order to keep you contract with Farmers. Basically and agent at Farmers is a glorified employee that can work when they want.