Pros
Flexible environment with easy access to underwriters and plenty of educational and training material that you study at your own pace.
Cons
Business model at district offices is not tied to the overall sales success of agents in training in any way. Sales managers who have no experience in insurance are hired contingent on getting a license and cannot effectively interact with trainees to solve complex issues or come up with meaningful marketing strategies because they lack a relevant background. District managers are paid a salary whether or not a trainee sells anything so have no incentive for encouraging sales success. Your district can have few Life Insurance experts or managers who specialize in Life, which is where the money potential is and you'll get little one on one training unless you seek someone out in another district. When you start out you are required to sell mostly auto and home (40 policies in 3-4 months) if you want to start your own agency. Underwriters can change their decisions after you've offered a rate. If you leave before selling 44 policies those commissions go back to the district manager. P&C commissions are low.