Vantaggi
The biggest upside is that the insurance industry will never go out of business, so at the end of the day you’ll stay employed, most likely.
Svantaggi
Once you’re salaried, you’ll feel pressured to work 12+ hour days without a break every day. Every single day, including weekends. Terrible raises. Staffing is significantly short of what it should be, meaning there’s far too much work and not enough of us to do it. The only way to stay caught up is to work overtime for no pay. Metrics also mean that while you’re killing yourself to keep up with the work load, your rating will tank unless you manage to achieve perfection. If you can’t achieve perfection, you’ll be forced to work in the office, and your raise for the next year will be minimal if you receive one at all. Burn out is treated as a personal issue, and customer threats to bodily safety are not handled with any concern. Also — sexual harassment is brushed off. A local manager harassed an employee, keyed her car, and sent her explicit texts, and he was promoted for it. She had to move to a different state for her own safety. It took three more years of complaints against him before he was fired. And that wasn’t even the first instance of this nature.