Pros
Work your own hours. Stay at home job 60% of the time. Very positive environment. Great conventions to travel and meet people. Potential to recruit everyone you know. When your up - feels amazing to be there. And once you take a turn, well then, see below...
Cons
Let me explain to you - that - it pains me to write this. This company took me a long way. But what I never realized, is if you compaire them to other brokers, they are low on the compensation scale. Start at 60% - I have had offers to start at 70% and even 85%. If you don't like running a team and recruiting, then don't bother. If you manage to write enough business to make a living, you need to get help - you would need to hire people to set appointments. Your really running your entire business and your upline will give you the moral boost. The Con is the debt - you will end up going bankrupt, owe the IRS - and probably be reported to Vector and go bust. They pressure you into taking out more lead orders, it gets expensive. Ah - you best hope nobody charges back a deal. The business is a doggy dog world. The guys who recruit are at the top of the chain. The sad truth is I made my upline thousands, when I was going broke, he wouldn't loan me a dime to save my life. I was selling everything I own, and taking out more debt to pay for leads. I was a great agent, above average - in fact I made it much farther then 80% of the new hires. No benefits, No 401k, No insurance, once you pay for leads and benefits, you best hope your buying the $30 dollar leads to get some good clients. It is really hard, I think if you make it, you probably know how to run a business - not for an average Joe in my opinion.
Pros
Working remotely has been a game-changer for my schedule and overall quality of life. The flexibility lets me run my business on my terms, which I believe directly contributed to becoming a national top producer in under six months. (at least $20,000 in sales per month consecutively gets you the "top producer" title) The culture here is genuinely family-oriented. My mentors were experienced, accessible, and invested in my success from day one, not just when it was convenient. That kind of support is rare in commission-based sales. The product portfolio is a major competitive advantage. Having access to dozens of carriers means I can actually shop for my clients and find the best fit, rather than forcing a product that doesn't serve them. The incentive structure is real. The travel rewards and bonuses are achievable. If you put in the work, this company will recognize it.
Cons
I don't believe this is a con, but for some the fact that it's a 100% commission role may be a "con". So if you come in without discipline or a strong work ethic, you will struggle. You pay for your own marketing, but the tools and partnerships are there to keep it affordable so you can realistically grow as long as you're willing to grind. Also, there is a lot to learn in the beginning, so being willing to work hard and make mistakes. Massive action WITH constant correction you'll be fine. If you're the type of person that needs to do everything on their own, this may not work, you will need help and you will have the resources, mentorship and systems to help you. The training is solid, but there is a lot to absorb quickly across carriers and products. Be prepared to invest real time in the beginning.
Pros
At home! Yes I didn't have to leave my house which was pretty good. They care about your family time! I had a death in the family and no one to watch my daughter and it was no problem have me two days off to get everything's settled. Money wasn't too bad either
Cons
Oh gosh where do I start here! LEADS! Get some new leads for God sales. Talking about how many letters you send out then when I received leads to set appointment for they were basically mostly over a year sometimes 2 year old. Get Spanish speaking people! I'm sorry but every business should have someone to talk to Spanish speaking customer especially in Arizona. I would speak to about 4 a day and have no way of booking them when they coul dnt understand me but still had to list them as contacted. Brought both the old leads up and Spanish speaking thing up to management and they still have me crap for not making appointments. Not really given the right tools to be successful. Some one in the company showed up to people's houses and was rude. I heard it from multiple customers and it prevented people who had already been spoke to from wanting to give us another shot. There is no computer system! I had a customer ask me doesn't she already have mortgage insurance through us and when I asked my boss if it was possible to check they said no. So we can't even check whether we have helped these people in the past no records kept. They want you to use an app to talk to people you dont even really know! They will push and push for you to post your numbers on an app and talk to other workers to "help each other boost moral through the day" me being one who likes to focus on my work I was not exactly thrilled to be talking through my work day and the second I posted having a bad day number wise I had problems. Some guy asked for my number to talk and I have it to him cause he was an employee and he told me he was successful and if I didn't start making appointments my boss probably wouldn't keep me. Ironically, this is the same thing I kept hearing from my boss how much I was costing him and how the guy I'm making appointment for isn't making money either. So far from moral boosting and honestly unprofessional of an employer. Long script makes people uninterested. Boss will tell you they need you to read it verbatim but then when your not making appointment set you up to practice with apparently successful people who tell you they do not read the script verbatim so conflicting things all the time. They will just recycle old leads and call them over and over you probably will start receiving threatening voicemails and texts but I'm the words of my boss you just need to be a robot and keep dialing so basically not care about anything whether your giving someone the greatest service or answering all their questions doesn't matter as long as you keep being a robot and dialing. But if you don't make appointment they will chew you out and also if your appointment don't show up even though they don't want you to remind them it will be your fault. Overall people too much grief. The job was nothing like advertised you are basically a telemarketer harassing people of your are calling them over and over even after 2 year have gone by since they requested their info. I wish someone would have told me what being an appointment setter was like so for the next person there you go!
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