Pros
Great array of competitive insurance products. Non-captive agency which provides more options to service the client. Ongoing in-house sales and product training provided, as well as occasional opportunities to obtain CE Credits to maintain licensure. Uncapped earning potential, particularly after you obtain your FINRA securities licenses. Firm will fund State Insurance License exam fees as well as provide study materials.
Cons
Can be a very lonely career choice. While starting your career, be prepared to give 40 - 50% of your commission to a experienced Advisor while you learn the business for the first 3-6 months. MassMutual does not provide any lead lists. You generate all of your own leads, so if you have a weak network, you have a higher likelihood of failure. If you plan to take any FINRA exams, be prepared to come out of pocket for the Series 7/66 or the 6/63 exams (unlike competing firms) and training materials. "Orphan" clients are generally not provided to new Advisors. 100% commission after your "training year." In-house training is wholly geared towards sales of various Life, Disability, and Annuity Insurance products which is constraining. Investment training is an afterthought and virtually non-existent within the firm although we have the capabilities for brokerage service, individual / group retirement accounts, and managed money "wrap" accounts, which I feel is an squandered opportunity. Career-wise, the trajectory is pretty flat compared to other industries.