call center representative

account manager

inside sales representative

insurance agent

insurance account manager

SmartFinancial.com

I interviewed for the Account Manager position at Smart Financial, asking critical questions to ensure the organization was ethical and supportive. Unfortunately, they misrepresented the truth.

Equal Opportunity: I asked if every employee is given equal opportunity, and while they said yes, the reality is quite different. Employees are not treated equally, as favoritism and unfair treatment persist.

Achievable Expectations: They claimed the job's expectations were realistic and achievable, but in reality, the majority of new hires struggle to meet these expectations. The environment is set up for many to fail.

High Turnover Rate: I also inquired about the high turnover rate. Instead of addressing it honestly, they misled me, hiring large numbers of account managers with the intent of keeping only those who survive the pressure, while the rest are let go. This is why there is always a new Account Manager job posting. 
The job itself is not as advertised. Instead of calling "win-back" leads as promised, the same leads are over-saturated among more than 50 account managers. This forces employees to resort to cold calling, which was not part of the job description. The constant turnover, poor management, and lack of support create a toxic work environment where you are treated as just another number.

Employees are given uneven opportunities, with some receiving many accounts to work with while others are left struggling with significantly fewer. Managers are largely absent, always in meetings, leaving employees without guidance or support.

Bottom line: This company is unethical and untrustworthy. They fail to deliver on their promises, treat employees poorly, and do not invest in their workforce. Please do not consider working here based on their misleading claims. I forgot to mention you only get 10 PTO days and that includes sick days.


I am thrilled to share my wonderful experience working at SmartFinancial, a company that has truly exceeded my expectations and set a remarkable standard for an exceptional workplace.

From day one, I have found SmartFinancial to be the best place to work. The management team is not only approachable but also genuinely invested in the well-being and success of each team member. Their open-door policy fosters a collaborative and supportive environment, making it a pleasure to come to work every day.

What sets SmartFinancial apart is the incredible camaraderie among team members. My colleagues are not just coworkers; they are a community of individuals always willing to lend a helping hand. The collaborative spirit and sense of unity create a positive and motivating atmosphere that fuels our collective success.

SmartFinancial has not only provided me with a fulfilling career but has also become a second home where I genuinely look forward to coming to work. The supportive culture, combined with the innovative and forward-thinking approach, makes SmartFinancial stand out as one of the best places to work.

I wholeheartedly recommend SmartFinancial to anyone seeking a workplace where professional growth, camaraderie, and a positive environment are not just encouraged but celebrated.

Gratefully,

Company Culture:
The company's impact is overwhelmingly positive for everyone. Rarely have I seen a company where the account management and sales department are so harmonious.

Sales Culture:
It's not always a bed of roses. But the environment is thrilling and competitive, makes me want  to do well (depending on one's mental conditioning and perspective at least that’s how I see it. ). Spiffs and Amazon gift cards are part of the daily perks.

My Manager:
Ahh! I wouldn’t know how to survive remote work without my manager. His admirable strength of character is a gift.  He handles issues with composure and professionalism, creating a space where I am heard and addressing concerns as they are, not more than what they are. He also knows how to establish boundaries but still enough for us to feel a sense of belongingness. Instinctively, he knows how to motivate and bring out the best in people.

Overall, the management is very supportive, making you feel like you belong and appreciated. 
Compensation:
The sales team gets paid well if you simply focus on your job and helping agents. Authenticity helps a lot.

PS. This company helped me put my life together!
FOREVER GRATEFUL!!

I took the inside sales rep job and did very well. I enjoyed the achievement-oriented nature of the job. I loved that once sales makes the account management team take care of the customer. I love helping small businesses get bigger by using our services. 

In the interview they mentioned that they believe in hiring from within and within 13 months I was promoted to sales manager which I love. 

We work hard to keep improving our processes, our training, employee development. SmartFinancial demands focus and hard work. If you are Coachable and work hard, if you are driven and consistent and persistent, you can do great. The financial opportunity is huge, but it is what you make it—which is both exciting and scary. You determine your success here. Overall the culture is upbeat, helpful, encouraging, fun and friendly.  Goals and metrics that need to be met are clear and compensation, again is very good if you are good at/become good at selling. 

Work-life balance is really, really excellent. You come in and do your work - 6:00 am PST start - and when it is 3:00 PST you are DONE! Really DONE. 

Make no mistake, this is a sales role. Your first 6 months is VERY outbound heavy to build your pipeline. In fairness to the company, they do give you time to ramp up but once you reach a certain tenure they hold you accountable to the KPIs/metrics on a WEEKLY basis. The job itself is not too challenging but you deal with decision makers who are apprehensive on the product because most insurance agents work on a very limited budget and most agents will fall off after their initial deposit has been used up. 
If you are lucky enough to manage a few high spending offices, than this job will begin to pay dividends but should any of your high spending accounts fall off, it becomes difficult to recoup that revenue because as I mentioned previously, you are held to a WEEKLY quota.  Once your key accounts leave (which does happen) this job does begin to take a mental toll. 
I personally would not recommend this role to anyone. Even if you have tough skin and have prior phone sales experience you will eventually be at a point where the juice is no longer worth the squeeze. 

Overall, the complaints about SF are really at a minimum it just wasn't a fit for me anymore in the position I was given. For sales, they pay well above the industry standard. The only struggles would be schedule if you are located on the west coast, which they're based out of and cater to eastern time, and ability to transfer roles within the company. Even in a growth stage, it seems they're pretty locked on the positions in the sales department and not looking to expand at a rate that would allow you to move forward to management. Transferring to other roles within the company have multiple restrictions as well that seem in place only to deter current employees from creating a vacancy in their position to take another. 
These are more of the personal things I've run into that may not be an issue at all for anyone else. I'd happily recommend anyone in the P&C industry looking for a new place to sell to join Smart Financial. 

Smart Financial is a wonderful company.
I had the best manager, and even her manager was wonderful. They treat you like an equal and display the upmost respect and compassion. It’s hard to find these days, especially as a remote worker. The job is sitting on the phone while the system places you on back to back outbound calls all day, nothing else. The scripting never changes but it is catchy and efficient. Most of the customers do not want to be called/bothered and a lot of them get the calls for clicking on ads on social media. I left because the the bonus rate drastically decreased AND so did the options to transfer the customers which meant no bonus for you. The base pay was only $17/hr and with losing commission that left for a sad paycheck. When I first starting I was making A TON of money in commission. I wish this company nothing but the best and I would still be there if the commission didn’t drop so drastically.

Overall, my experience at SmartFinancial has been excellent. I was very selective with my next career move after having been with my previous employer for many years. I wanted to ensure I picked a great company before leaving my prior stable employment. I can say that overall I'm very happy with my decision. The open door policy at this company makes it easy to get things approved and done. You feel heard and included in many of the things that go on here. Leadership is very supportive and provides you with the tools you need. 

The culture is great! Everyone is very close knit- Slack is a great tool that is being used in the best way possible. They company has a lot of great benefits and perks that really make you feel important and cared for by the company. I would highly recommend this place to anyone as a great place to work regardless of the stage you are at in your career. 

As a call center agent, one either works in the very small inbound department or the massive outbound department. Inbound means the customers are calling for insurance quotes, so they're often friendly and open to the experience.

Outbound is often cold calling, which is not received well. Management claims all of the leads are generated by people putting their information in on the website so they definitely want a quote, but I was yelled at often by people who had never heard of our company and weren't looking for insurance and wanted to be taken off the call list immediately.

Only take this job if you have a thick skin and can handle lots of rejection. They did offer bonuses if you hit your conversion goals, you just have to wade through a lot to find the good ones. And they may accidentally disconnect, or be unable to hear the agent after you transfer, which can sabotage a conversion you should've had in the bag.

The main thing is make sure you hit your 3 hours of talk time everyday and you'll be fine. Even if you're not hitting your numbers they'll keep you. I've seen management fire people that would bring in a lot of revenue and exceed their goals every week for not hitting that talk time and it's ridiculous.

The leads are OK at best but you will get a lot of agents complaining and unfortunately there's not a lot of things to do about it. 

Also the commission structure was horrible and you would barely get paid when you bring in 2k - 5k a week!! 

The base pay for this job is actually pretty good though and if you live on PST I hope you're a morning person because you start work at 6am but you get off at 3pm so you have most of the day still available to get things done or do other things. 




Top Job Titles	Average Salary
Call center representative 9 salaries reported	$16.33 per hour
Account manager 20 salaries reported	$116,414 per year
Inside sales representative 11 salaries reported	$73,636 per year
Insurance agent 52 salaries reported	$67,971 per year
Insurance account manager 44 salaries reported	$134,443 per year

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