Pluspunten
not a scam, the checks to actually clear, your given leads and they provide some training..There is potential to make money here but you are selling a terrible product to people that seriously have much bigger concerns in their lives than life insurance.. the bad definitely outweighs the good. The one major positive thing about working here was it lead me to find an amazing job working for a much bigger company making a great salary plus commission.
Minpunten
My manager promised me the world on a string. We got along very well as he took me through my on-field training. So much so that i actually gave him a small gift to show my appreciation. Upon giving it to him, he thanked me but went on to say "are you sure you want to give this to me? There's a good chance your going to hate me in a few weeks." This was the first major red flag. As the weeks went on, i eventually began going into the field on my own. While i did struggle, I kept going since the last thing I am is a quitter. The leads that your given are union leads which is a lot more than most insurance companies give you when your starting off. The problem is, they literally have no money. After you make a sale, you are told to never contact the client again in hopes that they forget they have a policy so they won't cancel it. Your told as an agent to never make excuses, which i totally agree with. The problem is, the managers are full of excuses. If you have a slow month, the excuses pour in. "your presentation must be terrible," "your not being passionate enough", "your close is off." At a certain point, i asked my manager if I could go out in the field with him some more, maybe I really was doing something wrong. He refused and told me that he would role play with me in the office. The one time he did come back out in the field with me, he agreed that my presentation was just fine. At the end of the day, most of the people you are trying to sell to are low income and literally have no money. I did really like the industry so i decided to see what else was out there. Upon applying and interviewing at bigger, more established financial service/insurance companies, I began to learn that National Income has literally THE WORST reputation in the entire industry. Seriously, I interviewed at 7 companies since early-December and every single one only had only the worst things to say about these guys. So here was the kicker for me- December is what they call a "push month" since it's the end of the year. I did not have a good month, which I'm not going to blame on anyone but myself. On the eve of my team's Christmas party, I was getting into my car to head to it. I texted my manager to let him know that I was on my way and he told me NOT TO BOTHER COMING! I was beside myself. At the end of the day, if you aren't making your managers money, they will throw you to the side of the road like a dead piece of meat. I've heard this from quite a few ex-agents and I experienced it myself. The amount of lies these managers dish you is also unreal. They pretend that they are there to help you but they are too stupid to realize that their lies are very open and obvious. For instance, if you don't make a sale with a given lead, a manager will go back to that same house and try and sell them. Then when you ask them about it, they deny it ever happened. Another example- since training is unpaid, during my on-field training, I asked my manager if we can cross-pitch so i could maybe get a sale so I could put some money in my pocket. He made a HUGE scene about it but eventually gave in and gave me a sale. This was very nice of him and I was very appreciative. For the next few months he kept reminding me that I'm the only agent he's ever done that for. Upon speaking to other agents, I soon learned that he gave every agent in training a few sales under their belt. I can go on and on about these guys. The charge-backs, the lies, the cultish atmosphere, 6 and a half day work week, etc. etc. That said, I definitely have no regrets since this lead to an amazing opportunity with a great, reputable company. It probably never would have happened if I never first worked at NILICO.
