Pros
Flexibility is huge , benefits, earning potential, great people, training, stable, great for fresh graduates and sales people making less than 60k who want a change. They truly do promote only from within, just sell a lot of life insurance or you are out !
Cons
They make you drink the kool aid by the gallons here!! The adds out there and materials saying the average rep makes 165k are skewed. Also Salary being 100k for the currently posted Wisconsin openings are untrue , I am not sure how they can even post that. The salary is 50k plus commission do you really think the average rep makes 100k commission?? The average rep in certain areas where they are expanding will make great money due to low rates, ask to see what the reps in the area you are applying for make. They have a report that comes out every month showing all the reps in the district ask to see it and you get the real numbers . There are reps making high six figures that throw off the scales for the whole country, and new reps in expansion areas make the real money not in established areas. If you are not excited about selling 40k a year in life insurance you will fail, if you don't meet life insurance sales goals you will be need a new job in 2 years.