Pros
If you are brand new to industry. They do some initial training, provide a little structure, and throw a couple of fun parties.
Kontras
DO NOT take commission advance. It is basically a loan to you of unearned commission at a far lower pay percentage than industry average. Insphere will tack on interest and fees to your "advances" which then accumulate into your "agent balance". Even with taking your pay as earned, you will probably see very little residual income because of all their fees. I've seen people that have been at Insphere/Healthmarkets for years and have never seen a cent from back-end and renewal commissions. The whole reason people get into insurance is for back-end/renewal commission accumulation! You are also a captive agent. This means you cannot sell any insurance carriers that do not fall under the umbrella of Insphere's Brokerage.