Pros
PTO is good for a starting position. Large company and thus lots of states to be able to work in if you like to move. Lots of divisions to transfer to after 1 year of work.
Cons
rampant unethical sales culture, high pressure, poorly designed products and a system that is ultimately destructive to the customer and employees. Lazy management that put significant pressures on employees to produce while taking no accountability or responsibility themselves. Lowest on the totem poll gets paid very little incentive compensation/bonus. Business model is focused on quantity not quality. There is a significant lack of teamwork between direct coworkers. "Needs based selling" is a sham as if they do not have a need for a product or service it is because the salesman hasn't found a way to justify one for the client yet.