Pros
Matching 401K, Stock buying options at a 15% current market discount.
Kontras
I could write a book here.... Charge back 100% commission if policy lapse in the first year. 75% between the 13th month and year number 5 and 50% charge back on anything that lapses after 5 years. The industry standard is ZERO charge backs after a year. They charge back agents commission for policies that lapse against them even when that agent never received commissions for the policy. This is stealing. Really no other way to describe it. Pure theft of money and labor. They only concentrate on issue and lapse. Even if an agent is plugging and churning business they will allow it as long as it gets them the bottom line. I have seen this allowed at least to the regional manager level without consequences. They leave agents on the payroll even after the agent leaves and I have seen them remain on the payroll for months. Only because they don't want to show an open book. Upper management contract takes open books into account. Products are severely overpriced. They focus on selling to old , poor and uneducated people. This is just a small sampling of this organization. I am embarrassed to say I worked here. Very unprofessional place to be if you are career oriented.