Vantaggi
None that would be willing to share.
Svantaggi
Yearly you have to qualify and meet sales criteria for a low percentage of benefits (with high premiums) and the ability to contribute to your 401k. That is correct! If your sales do not meet certain criteria, you cannot contribute to your 401k. That does not make sense. Pays 55% on permanent life products or 65% on term. This is low compared to competitors. Their Sales Management position criteria is SOLELY based on activities. You could have been a Home Depot cashier, but if you meet their sales criteria, you are a Vice President. It's pathetic and misleading for the clients. Recently sued $50 Million Dollars by SEC and all they want to do is hide their fees from clients by telling them to go look at your prospectus, rather than doing the right thing and placing fees on the statements.