Pros
Their products are priced well for families. Their target market is the individual or family. They are trying to get into the commercial side and compete head to head with Aflac. You get an Apple Ipad for your work that is loaded with the applications and slide shows for each appointment. Really cuts down on the paperwork. Very advanced system that is easy to use. Training is thorough.
Cons
Commission only after training. You get a territory to work. Problem is your upline will work it first for the "easy sales" leaving you to fend for yourself. No team work - you have to watch your back for someone to come into your territory and grab your business. Residuals are supposed to be lifetime, but I personally saw an agent go in and sell existing customers, and get a letter from them to cancel their previous service, thereby cutting off the residual of the previous agent. He didn't care, said the other agent probably wasn't there anymore.