Pros
You are given a book of business.
Cons
The book of business you're given comes from a current rep or one who has been terminated. There are annual minimums beginning with your first full year, and increases by $1million per year until you reach a minimum of $4million just in transfers in. That is on top of the required numbers of financial plans and percent of increased Plan Sponsor Business. The comp on the higher interest paying PS accounts in some instances is 0. ABC is available. The training has become ridiculous. Sadly, this was a wonderful company for the reps, but no more. They want to force you out instead of firing you, but if the DM needs to improve his numbers, he/she will fire you and bring in a rookie whose numbers won't negatively affect the DM. They are considering changing their name BACK to AIG.