Vantaggi
Great training resources. Outstanding Financial Strength and loyalty to mutuality par none. Great selling system. If you have a great GA, you are in luck, you are going to thrive. If not, be ready to leave in approximately 2 years.
Svantaggi
Its all about the GA. If you have an issue or think something can be improved the Management will not talk to you. Everything has to go through the General Agent, who happens to be the problem sometimes. They have a tendency for the "flavor of the month" when is related to recruiting strategies. And they don't pay enough attention to the small agencies that need the most help. And....It's not all about Whole Life guys!!! Financial Balance requires being willing to understand how different products and strategies can help somebody. i.e. A 65 year old individual trying to go into retirement with 220,000 in retirement funds with some health issues very unlikely will be insurable so you have to look for other options. Whole Life is not the answer but they still find a way to place it. There are different challenges. Last but not least, the Overrides are a joke!! All the subsidies you provide stay in the GA's pocket!!