Pros
If you want to get really good at doing something that doesn't work, please sign up as an IBO for this company. If you're friends with someone who is a top earner, they can probably do the work for you so you can pull an easy paycheck. If you want to drink the company Koolaid, pull up a chair! You will fit right in.
Cons
Everything about this company is a con. AmeriPlan is a dog (ask anyone who has experience in the network marketing field) and I'm genuinely surprised they are still in business. They prey on people who are looking for a real opportunity to work from home - please don't be fooled. This is an MLM through and through. You have to pay to play, you will spend all your time in training, and they bank on the fact that you will probably work the business for a year and then quit. It's a very dishonest company with unethical behavior happening behind the scenes.