Everything that has been stated about this companyis true! Unless you have a book of business to take in with you and you are a well seasoned agent already, steer clear of this company they steal your money use you up and then hang you up to dry! The products are good, it is just the leadership and how the company is run. The leads are older than the hills, they don't tell you what is expected until you get in and it is sink or swim after they steal your money! Never ever pay a company to work for them let them pay you and prove themselves! Stay away from this company they are a bad company to work for!!! Especially if you are new to the industry!