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.