Caution Before Joining Symmetry Financial Group: The Hidden Realities

If you’re considering a career with Symmetry Financial Group (SFG), it’s time to pause and evaluate your options. My experience with this organization was disheartening and ultimately unproductive. The opportunities presented by SFG may appear enticing, but they’re far from what they seem.

Here are some critical insights that you won’t discover until you’re already invested:

1. It’s Essentially a Multi-Level Marketing Scheme

While SFG markets itself as a life insurance agency, the underlying model resembles that of a multi-level marketing (MLM) operation. The emphasis is predominantly on recruiting new agents rather than selling insurance. Success hinges on building a team beneath you, which shifts the focus from providing financial services to climbing a hierarchical structure.

2. You’ll Foot the Bill

As a 1099 contractor rather than an employee, you bear the responsibility for all your expenses. This includes training, licensing, and—most importantly—acquiring leads. Many of these leads are outdated, unresponsive, or simply ineffective, leading to a frustrating cycle of wasted time and financial strain.

3. The Promised Flexibility is Misleading

Though the company claims to offer a flexible schedule, the reality is that you’ll find yourself hustling around the clock just to keep your head above water. You’ll be making calls to leads incessantly, attending appointments, and managing cancellations, all while being urged to simply “work harder” if results aren’t forthcoming.

4. Commission-Only Pay Structure

At SFG, there’s no base salary to provide financial stability. Compensation is solely commission-based, meaning that if you don’t close deals, you won’t earn anything. This lack of a financial safety net can be especially challenging for newcomers, who often find themselves in the red before seeing any positive returns.

5. A Culture of Toxic Positivity

Criticism is not tolerated in this environment. When challenges arise, you may find yourself being blamed for not adhering to the prescribed system or lacking ambition. The incessant positivity can feel overwhelming and cult-like, making it difficult to express legitimate concerns.

6. High Attrition Rates

Many recruits exit the company within their first few months—not due to laziness, but as a result of misleading expectations. Symmetry Financial Group benefits from a high turnover rate, continually cycling through new recruits who contribute to ongoing lead purchases and the company’s revenue