Pros
Freedom to make your own schedule-ish. They force you to be at the office, or pay someone to be there, 55 hours per week.
Cons
Everyone knows the DM’s are committing fraud in their agents books of business. The entire territory office, in Denver, looked the other way and actually threatened to fire the agents AND report them to the DOI for fraud! They had years of proof that the DM was using his personal credit card to add renters policies to random clients, then cancel them when he reached his quota. Farmers, as a whole, will also pay out on claims they know they shouldn’t just to save time. This creates drastically higher rates for clients and cuts the commission rates down for agents. Agents are deducted from their quarterly revenue goals for the amounts of the claims paid. I personally had an illegal keep wrecking his girlfriends car, she refused to add him to the policy and couldn’t provide proof of valid U.S. license. He totaled 2 cars and hurt 3 people... Farmers paid... rates went up. No benefits No work/life balance, they expect you to always be working They can’t even figure out how their own commission structure works! I was charged back for every life policy I wrote the first year I was there. As soon as they each hit 1 year, I saw the charge back for every penny I made. It was a wrong code when I had to change districts because my original was allowed to resign over all the fraud he committed. Nobody could explain it.