The recruitment process is deceitfully crafted such that one would consider that a minimum first-year earning would be about four times that of reality, and they are fully aware of it.
Once employed, the agent contract is regularly violated by requiring attendance to make cold calls twice a week during hours/days of their choosing instead of a location/hours that are most productive to the agent.
You are specifically instructed not to add prospect phone numbers to the "do not call" list using their phone system even when the prospect specifically asks. The leads are recycled many times over. Numerous times I was told by prospects they told the last five agents that called them that they don't want to be harassed any more, yet they keep getting called. When purchasing outside leads of higher quality, they refuse to pay for them with your own money they withheld without your permission.
A percentage of the compensation is siphoned off the top without prior authorization, allegedly for lead expenses, yet there's no valid statement provided and external lead expenses have to be approved and are regularly denied even though it's not their money. Once the employment agreement is ended, your money is not refunded to you.
Processing of customer applications is problematic in that critical errors are frequently made, subsequent requests are not forwarded to the agent or made clear in any way, and processing takes much longer than it should, I'm told because of inadequate staff in the home office.
Very frequently there are no application forms which are of course required to do business, and they are kept behind lock and key so that someone has to make time to provide them to you. The sales packages are not preassembled, and it is very time consuming, wasteful and difficult to do so yourself because of the aforementioned as well as specific company package requirements.
Their credit rating is too low (it's a Conseco company), and agents are treated disrespectfully, spoken down to, and treated unequally.