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Is Liberty National Life Insurance a scam employer?

I recently have been offered a job as a sales agent with Liberty National. I've unwittingly jumped on the opportunity, and paid the "temporary license, and background check." Well, after a little searching on the ethics of the company, I've seen a good amount of complaints. The branch manager I talked to, almost immediately put my information in to their system. Then told me about the very high income a "First Year Agent" can make, which was well over 200k annually. And that he became a branch manager in just over a year. Well, even with my skepticism in place, I still fell for the numbers. I just now think I may have been suckered into a scheme, that may not really work. I already know I will be doing much of the work on my own, but is it really worth even continuing on this job lead, or is it not worth my time, and just suck up the losses.

Public Comments

1. It is likely a full commission sales agent for selling insurance products. If you can sell, then you should do OK. If you know how to do lead generation, and not afraid of cold calling, or phone prospecting, then go for it. You should also be a good presenter and be very professional. If you are uncertain of doing all these things consistently, week after week, month after month, etc, you are probably not going to make it. It is not a scam, but the company has zero risk on you; if you sell nothing they do not pay you at all. If you do sell something they take the lion's share of the money, and give you perhaps 10%. You may find it difficult to recover the money you spend on phone calls, gas, and presentation materials. You should decide now whether you can do the job - if not, cut it off now and move on.
2. They aren't a scam and may not even be an actual employer. I've been approached by them, but never taken the time to speak with them. You will probably be an independent rep rather than an employee. The income is possible, but it is commission based so you'll have to sell your butt of to get there. Based on what you've said here I doubt you'll be successful. Your mind just isn't in the right place to take on this type of opportunity. It will probably only take you a couple of rejections to decide that it doesn't work and the company is no good. In reality rejection is the name of the game when it comes to sales.