Vantaggi
Completely flexible work schedule, "unlimited" income potential, competitive prices so it's relatively easy to find clients and sell policies. Opportunity for subsidy once you get to "career" status (sell a certain number of policies within 3 months). Probably a good fit for someone with previous sales experience and insurance knowledge who is self-motivated and has some way to survive on very little income for quite some time.
Svantaggi
Agents are expected to sell products that they have received very little, if any, training on. The district manager was very hard to track down and seemed too busy to be bothered with helping or meeting with new agents. The "trainers" were also not very available, and when they were, they gave me wrong information many times. It is very hard for most new agents to get by on 10% commission from auto and home policies when they are just starting out, and if you do not make enough sales once you get to "career" status you have to pay back the subsidy they give you. It seems like Farmers just hires as many new people as possible, spends as little as they can on helping these people succeed and then hopes a few have the savings, previous knowledge and/or luck to stick it out.