management, like everyone else in the company, are selfish sale people. you are a contracted 1099 worker and not considered an employee. there are zero benefits included because of this 'definition' of employment. even though you aren't an employee, you sign a contract that you can't contract with anyone else in the business while working at HM and for a year after you leave.
you are required to attend weekly meetings that you are not paid for. every 1 to 2 months you are expected to go to a regional meeting that can be up to a 3 hour drive or longer from your location...unpaid, once again.
you only get paid if you sell something. Major Medical insurance is the main product. you get paid zero dollars for any real major medical policy you sell. you are encouraged to 'upsell' company offered add on policies that are designed to benefit the company more than the buyer.
the strategy of the company is to hire as many 'agents' as possible, regardless of their potential to be able to sustain a career in sales. new agents are encouraged to sell products to their family and friends to get their business started. even if the new hire cannot sustain a business that can provide for them and their family, it doesn't cost the company anything to keep them on board. (they will try to convince you that it does cost them in nonsense areas like, paperwork.)
sales leaders have access to their agents' book of business and their leads. many sales leaders steal leads and business from the agents under them.
completely flexible schedule
you have to sell near worthless, overpriced products to hard working honest people on a budget