Pros
I can't think of ANY pros
Cons
I am a brand new agent that made the mistake of signing a contract to "get started" with HST. No human contact, no onboarding, no payment for many of my sales (yes I am contracted with the carriers). The agency receives the commision and holds it. Marketplace sales are held for 90 days. HST has been paid but not me. When they do pay the entry level agent it is only 13%. They say 17% but they keep 4%. They received much more than that from the carrier. They offer ZERO support. They aren't servicing the CRM tool, no email address for new agents. Just log your sales in the system. Leads disapeer after you pay for them. There isn't anyone to call. When I submit a ticket or email I either do not get a response or they take 10 business days to respond stating to contact your lead. The contract has a clause that if you sue them for breach of contract you have to pay for their attorney fees. I'm locked into the one way contract and apparently I work for free.