Pros
Not applicable, it was no good from the jump!
Cons
Sell you on them being a great company with great products, this is a total lie!!! The only people who succeed are the upper management and a select group of skilled sales people who can get a big quarterly bonus. The Average Agent will receive $500 - $1500 in a bonus and the top reps can make up to $75k in bonuses. This looks great but there is less than 20 people out of 5,000 who will receive one of these bonuses. They will typically be Financial Reps and Bankers is so TERRIBLE that they sell you a lie of you having to use the financial reps to move money around. THIS IS BECAUSE BANKERS HAS BEEN IN SO MUCH TROUBLE WITH THE STATE OF WISCONSIN THEY SIGNED INTO A CONSENT ORDER LIMITING THE SALE OF ANNUITIES USING SECURITIES MONEY!!!! The Financial Reps take all the risk, they routinely falsify assets to make the client look in a better situation than they truly are and commonly move over 80% of the clients investable assets into NON LIQUID products! They will do this all while telling you that they are the best company with the best products and an unmatched bonus! THIS IS NOT TRUE!!! They don’t pay claims, have terrible products, and a turnover rate 2nd to none! DO NOT WASTE YOUR TIME IN A CAPTIVE AGENCY LIKE THIS!!!