Vantaggi
Faith based fraternal benefit society that recently expanded its market from servicing Lutherans to the broader Christian marketplace. Good employee benefits. Excellent in terms of financial strength to be there in the future. Great protection products. As a company has great fraternal benefits for their benefit members. Overall the financial representatives have a caring attitude in servicing their clients. They are well versed in their financial knowledge. Company rated nationally as one of the most ethical.
Svantaggi
Field management system is flawed. Too many middle managers. Very difficult process for inexperienced representatives to get started in the financial services business. Need a fast start and a large natural market in order to survive the first 3 years. Recently the compensation structure constantly changes and there is a revolving door of new agents (as with most insurance companies). Does not lend itself to confidence on the part of the consumer who has a new representative every 2 years.