eFinancial is a phenomenal place to work. Loved it, wish I hadn't left. Pay was the easiest money I've made, for the amount of effort necessary to provide. Leads are provided to you, via live transfers- rather than having to pay for them. Commission (percentage) is considerably lower than the average for insurance agents, however there are a lot of extra benefits that you're given for that trade-off.
Culture, pay, leadership
Favoritism, the higher-ups do take certain individual sales agents on golf trips and the like.