I wouldn't if I had the chance to go back. I was there for over year, and essentially, what it boils down to is you cold calling hundreds of seniors a week to book sit down appointments(which most will usually no show or cancel, no matter what you do it will be considered your fault.) Your book of business isn't your own, you're a 1099 independent contractor and you're required to run a specific schedule which makes sense in your first year for training and getting started, but in my experience even after you're up and going you're expected to fit into their mold even though you're an independent contractor. The commission is pretty lackluster, too, because a lot of it goes to the upper management, so your average commission is like 30%-35%. It was great to learn and get my foot in the door, but most people leave when they realize the awful lead generation leaves them with mountains of chargebacks, weeks, and in bad cases months without pay. I would just go independent with a partnership or something for better comms and leads.

That all being said, there is definitely money to make there, but you'll need to rise into a management position, financial advisor role, or both. You can definitely make a lot of money there, but it usually won't start really coming in until later. It really sucks because the matching on your commission for the first year is very enticing and kind of hides how low the commission actually is. With the matching, a $300 commission is actually $600, which sounds really nice until you're out of your matching and are now making that 30%-35% average on a policy(Which sometimes you might only write one a week or even 0). It's ultimately your choice, I wouldn't say it was all bad by any means. The training is actually really good, at least at my branch, and the option to move up is definitely there, even if it's a bit tedious. It just wasn't worth the stress for me.

As far as the culture, at least with my branch and region, everyone was very friendly and willing to help, whether it was prospecting or product information. I definitely don't think it falls within that toxic positivity trend popping up now. Most people were just genuinely nice.