Pros
Reasonably good starting out, especially if you aren't capable of independence. They do offer some decent incentives in the form of trips, however nothing like they used to, and when you consider the amount they take from you, entirely not worth it.
Cons
Almost too numerous to list, however note that it is still better than many other "jobs" out there, if you can hack it. The agency does nothing but make money off the backs of hard workers, and is still operating in the antiquated ways of actual face to face appointments, which are awkward and uncomfortable for both the agent and the customer. The company is rife, and INFESTED with nepotism. Entire empires within the hierarchy are run by single families, and naturally it raised eyebrows when members of those families consistently produced more than everyone else, especially when the production numbers were statistically IMPOSSIBLE. I am a 10 year agent and finally broke away in 2013 to become a completely independent agent to sell on my own. You'll see many reviews about how "it's hard but it's worth it" or some such hogwash about these guys on here, just realize it's all a lie, they make promises they almost never keep, and you will lose at the least 33% -75% of your commisions for the priviledge of being micromanaged and be associated with a company that has more negative press than almost any other. Please, let the numbers tell the story (I will not include 2005 and 2006 as those were just the "building-years". Annual Income by year: 2007: $86,000 2008: $182,000 2009: $135,000 2010: $115,000 2011: $112,000 2012: $124,000 Note: midway through 2013 I became an independent broker and sold only health insurance without any agency association, therefore 100% of commisions from here on are all mine.... 2013: $175,000 2014: $224,000 2015: $198,000 2016: $228,000 The numbers don't lie. This is by selling health insurance. Yes, that's right: they will lie about not being able to sell health insurance and make a living, to force you to sell supplemental plans that are high profit and hardly ever pay claims. Any review you read which raves about the great compensation is clearly someone who comes from a mediocre job. In conclusion, it's an "ok" gig to get into if you want to learn the trade, but you will want to find a way to make your exit quickly after the first year or two, and take as many customers to new plans that you want to contract with independently.