Pros
Great mutual funds and fantastic ability to control your schedule. If you are a trust fund baby and want free time, this is the place for you.
Cons
The downsides start at the top with the selfish un-ethical greed of Tom Wilson. Like a waterfall, this philosophy cascades down through management unless you subscribe to the multi-level marketing philosophies of many sub-producers you get an override on. As rates increase and the well seasoned agents book and income vaporize, potential financial clients vanish. Middle management, with strong commission breath, ask you to spend more of your small income on marketing. You can not advertise from an empty pot so you pray that car and home clients come into the agent asking to rollover their IRA while the agent is attempting with all their strength to beg them for a life insurance review. Allstate has no salary, no benefits and Tom Wilson pulls down 4 million a year while the stock has tumbled 15% and layoffs are everywhere. Ask a seasoned veteran agent what they think of the management and its concern for the foot soldiers....Buyer beware