Pros
The best reason to work for Farmers is they allow outside appointments if they do not want to take on the insureds business. This is especially helpful for hard to write commercial accounts. They do have a good claims service and is getting better.
Cons
Rates are to high. Not competive rates with other insurance carriers in the same location for (auto, home, and life). Its hard to write new business due to strict underwriting criteria. Impossible bonus plans. Every bonus or profitabililty bonus has life insurance issued and paid requirement and a sales count requirement. If you don't sell life you will not get extra paycheck. The amount of income they tell you can make figures in that you will make your bonus. Very few agents actually make bonus's. I made the mistake of listening to how much i could make in 1 to 5 years. District managers advertise on Craiglist for new agents and those compensation figures are exaggerated. Also Farmers has too many agents per city which makes it even harder to take on new clients when competing with agents from your own company If you notice with the other top insurance carriers they have less agents per area which will result in a larger book of business which in return more commisions I would recommend interviewing with other carriers before you commit yourself to Farmers. Also look into independant agencies as well.