Ok, There are way too many posts for a simple answer. And Both arguments are semi right. First off the positives, + the company is not a scam, it is a 130 yr old insurance giant with over 10 billion dollars in assets. Secondly, you can make a ton of money at all levels whether you are an agent, a field trainer a USM, A BSM a or an RD and above. (However, it does typically go up with each position. Three, you get to determine how much you make by your skill and work ethic. Company has a ton of perks, nonstop all expense paid vacations, you control your schedule, normally a good work place with good people. It also has a great bonus structure!!!
The bad stuff, It pretty much is a pyramid scheme, but in reality what job isnt? You put on a lot of miles on your car, phone calling is repetive and can be frustrating (but its better than picking up garbage or working at Burger King for a living) and it takes skill to close business. Also, when you are first starting it's difficult to pay bills sometimes becasue you are still in a learning process and for taht reason it isnt right for everyone. In fact, its not right for a lot of people, but that doesnt mean you should never give it a try because this job does allow a person with no college degree to make over 6 figures, it also gives a person wtih a college degree the opportunity to make less than 5 figures.. lol . Also, there are bad apples in every company, you will come across people maybe not always doing the right thing for the company but I believe in general this company has great people working for them.
As for myself I've been an agent and a Field Trainer going on 3 years, I've seen a lot of ups and downs but I do love what I do but that doesnt mean there are days that I wish I was doing something else. Its hard work, and you have to be on your game all the time to make sure you are gettin a nice check.. that all