...I agree with alot of what you said except the only important part... it can be extremely profitable. They have several millionaires and countless $100k producers, which is far beyond the results of most companies. Their model works, but tbere are definitely better options for more savvy business builders.
So they say at all of the conventions. Most of those folks are actually barely paying their lead bills after all of the "lead overrides". Just ask their ex National Sales Director who is now at Securus.
I observed it first hand when I was there. My agency manager often claimed to make $200k-$300k. They were featured at all of the conventions. It turns out they were barely scratching out a living.