territory manager

insurance agent

entry level insurance agent

sales representative

territory sales

PMA USA

I worked for PMA for a total of 3 months before being forced to leave due to a lack of income. The job can be promising if you have money to start with but do not expect to make what they tell you during your interview ($1,200 a week) or even half of that starting out. The management I experienced was pitiful. Management did little to help you succeed outside of your first two weeks of training. You are expected to work 10-12 hour days, pay for all of your meals and stay in cheap motels every week. They claim you are self employed but place several stipulations on you such as when you have to work, when you can stop working for the day and what time you can leave to head home every Thursday evening. Managers typically give themselves the best possible clients in the assigned territory and push you to make sales to fill their pockets as it is a pyramid scheme. You start out with a stipend ($500) but only receive it if you make the minimum in sales premiums for the week ($2,500) which is extremely difficult to accomplish starting out. If you receive the stipends you’re expected to pay them back by percentage out of your check. Also, if you sell a policy to a client/family and they cancel the policy within 8 months you are expected to pay the money you received back to the company making it easy to accrue debt. This job is very difficult but not impossible. However, be prepared to go several weeks with little to no pay for the first few months. If you are married and your significant other can support your family without your income this could be promising but to the average joe it’s a joke.

All sales positions are, in essence, a pyramid scheme. But this particular company takes the cake... the "assumptive" attitude PMA USA encourages is nothing short of misleading. As a company comprised of mainly 'individual contractors,' they have little to no operating costs (from a workforce standpoint). Meaning, you are a vessel by which their money is made.

One of the selling points is that so long as the policy stays in force, you receive commission. Well, the caveat they don't tell you is many of the policy-holders don't keep their policies beyond a year or two. And keep in mind you're only receiving a small fraction of the monthly premium, so don't be fooled into thinking you'll be able to live off the residual commission if you aren't 100% committed to misleading impoverished individuals and families from lower-income communities. In my "interview" I felt like I was the one conducting the interview, as my interviewer was all but asking me to work for them. My initial reaction was pride and excitement but in hindsight, that should have been my first red flag.

My advice to anyone considering working for this company: don't. Not because I had a bad experience, but because if you have the slightest sense of ethics, the two will conflict. Don't be duped by shiny words like "growth potential" or "managerial experience;" you're one thing, a mule to Washington National. 

It really is sad that this is a profitable company. 

I have worked for two different companies since college in corporate management and project management. I was unhappy sitting in an office slaving away for 10+ hours a day, at sometimes 6 days a week, on a salary with only a 3% bonus at the year end during performance review. And most of all, not seeing my wife and two children hardly at all.

I was approached by a friend who worked for PMA after a Facebook post I had posted about being unhappy at work. Not having seen him in 4+ years, I met at his house. Needless to say, I was impressed what he was able to accomplish since I last saw him....Now he had my attention!

I saw all that PMA had to offer. All I had to do is work hard and my efforts would be highly compensated. Also, I only had to work four days! I showed my wife and we took the leap of faith...now it was up to me...

Fast forward a year later...now I work 4 days a week and see my family much more, I will be doubling my old salary this year, moving into management and I get  to go to tropical paradise once a year for our company trip. 

It was the best decision I made for my family and my career. 

If you're looking for a company that will treat you like family, supports vets, gives you a great work-life balance and high compensation, you have found it!

Do Good, Do Well. Have Fun.

I have been with PMA for almost 7 years. I couldn't have asked for a better opportunity, I found a career not a job. The support and the leadership in our organization is outstanding. I never thought i would be an insurance agent, but having the best products  and best training in the industry makes my job so much easier. I'm not going to lie, it is hard work, and its not for everyone, but if you have the desire to be financial independent and you are willing to challenge yourself, this will be a perfect fit. This job is very rewarding and i get to help so many families against the financial burden from catastrophic illness like cancer. 
Everyone has the same opportunity and if you put in the effort you will reap the rewards. The income potential has no limit. We are one of the leading companies in the nation and we are rated excellent by AM Best. 
We celebrate our success with trips and reward incentives. At PMA you are not just an agent or employee, you are part of a family. They give you all the tools to be successful and grow your business to what you want, all you have to do is be hungry for success and own it. The sky is the limit. 
It is a career that is very fulfilling and i couldn't see myself working for any other company. I really appreciate the people and the leaders in the organization, always there for support and always improving the tools to help us be more successful.

What I love about PMA (the marketing arm of Washington National) is that we generally work MON-THUR.  Four long days and then a three day weekend.  In not quite four years, I've been promoted from agent to Dist. Manager to Reg. Manager.  Was making six figures by my 2nd year and because of residuals and overrides, my income will grow year after year.  I am an independent contractor for them.  

At first, the idea of being 100% commission, and no benefits seemed unattractive, but when the person who recruited me (whom I knew from a previous job) kept showing me his weekly checks, I knew I had to try it out.  I run everything through my business (car and hotel and food expenses on the road) and write off substantial amounts via my accountant.  

The travel can be hard at times, but really, before you know it, Thur is here and that evening, I'm homeward bound.  On SUN, I can see what TUE's paycheck will be.  I make double what I did in earlier jobs and plan to retire with PMA.  

I am vested later this year for life and even beyond life.  I can will any residuals that are still flowing in to my wife and kids.  Amazing.

Like most insurance companies, this is a pyramid scheme and make no mistake about it. Recruitment is the only way to be promoted and it is far more important to management than sales. The policies that they provide are currently pretty solid compared to other supplemental health insurance, but the practice of selling is entirely dependent on you bringing it to people. No one is looking for this stuff. You are required to be away from home and in a hotel from Monday through Thursday. This is paid out of the team's pocket, no support from PMA or Washington National. They will give you $500 a week for your first four weeks but you have to repay all of that plus interest. Don't count on spending money you make from sales of policies because of the client cancels before a year, you owe PMA the money back. Individual managers are probably fine, but when expected to collaborate, I've never seen adults get so catty so fast. PMA headquarters is a joke and will cost you relationships with current clients because they don't pay out for the accident policies and have crazy specific requirements for the other policies.

I love my job. It was not the easiest thing in the world to get started but with help of my superiors I was trained well in the field and out of the field. We offer a superior product in a needy market and the product really sells itself.. I would recommend this job to anyone with the drive and work ethic to want to be better not just handed something better. I am rewarded quite well for what I do and their is no caps or limitations to what I can make or what I can achieve professionally. It truly was the opportunity of a lifetime and instead of letting it come to me, I went out and achieved it. My co-workers are a blast to be with most of the time and we have really become like family because we all know that we are in this together. The freedom and flexible time that come with this job are better than anything I have known in the past and I have had two of my own businesses prior to starting this at the age of 29. If you are looking for an opportunity where you have unlimited potential look no farther, because if you have the drive(some do some don't) this will make a better living for you and your family than you ever thought possible!

The training provided by PMA is a joke. The training "manager" spends most of the time on their cell while screaming out childish phrases. The main manager never trains anyone and can not schedule selling areas properly and truly pays no attention to new employees. There are several employees that constantly break several hr rules or rules to advance their own paychecks but nothing is ever done. Several people in management use derogatory and racist language. Not ONE person in a management position is a person of color and I can state there were less then 10 p.o.c. in a company that has roughly 200 employees. They are very "clickish" and unless you play by their unmorales nature, you will fail. Hr at the main company is also a joke. Not family friendly and so many lies to those who aspire to be successful insurance agents. Again the promise people the world, and fail to explain that over 90% of people will fail at this job.... leaving them worse off than before. The people who should be in management are constantly shot down. Poor company and would RUN away from the recruiting or agent positions. 

My first 2 months in I'm on track at 9 grand a month.  That's 18k in just 2 months! Some weeks there were minimal checks,  but they're weekly checks so even if I pulled 500 one week the next week I knocked it out the park with 5,000... an average of 2750 a week,  which is pretty close to my overall average.  

Besides the money the idea that you're helping folks with claims or get into a policy that will not only cover them but pay them back... it's unlike anything I've ever been part of.  The sense of purpose makes it worth the hard weeks. 

There's a lot of expense that comes with the job.  You have to drive in your vehicle and pay for fuel,  you pay for your hotel and food on the road,  you don't get a steady paycheck,  your pay directly reflects your work.  

Honestly for the people unsure on the fence what do you have to lose? If you try it and see it isn't for you then you've spent some time trying it out.  If you get in there and love it,  like I do,  then you can make a lot of money and more importantly you can make a positive impact.



Work monday - thursday every week. 
Once every quarter you are required to work 7 days a week for "leadership week"
This is an insurance company focused on supplemental insurance sales directly to the customer in their homes. 
It is basically door-to-door sales. 
Average date was from 7 am to 1030pm or later.
Pay is commission so you earn what you put into it. 
Job requires 20 presentations a week with minimum of 5 sales a week, those numbers are rarely ever accomplished and management will be on you about not hitting the numbers.

Pay is based on a % of annual premium and if sold on a monthly basis 60% will be "advanced" do you. So if a customer cancels within the first 8 months you will have to pay it all back. Sometimes all at once, which will result in not being paid. 

The end potential is great for those who succeed at sales, but it can be costly as all your expenses are out of pocket because you are and "self-employed" independent contractor. 

If you want to be self-employed, sorta, and you are great at sales then this may be for you.

Top Job Titles	Average Salary
Territory manager 227 salaries reported	$90,419 per year
Insurance agent 27 salaries reported	$70,219 per year
Entry level insurance agent 29 salaries reported	$72,034 per year
Sales representative 2 salaries reported	$90,000 per year
Territory sales 6 salaries reported	$93,833 per year

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