Captive Agent vs Independent

[assurevest]

I renewed my Life License after a lapse of few years. I have talked to NY Life, Mass Mutual (GA) and have been offered a captive broker position (no salary but commissions with some add ons). Some of my potential clients want a Penn Mutual policy. I am wondering if I can be part of NY Life and also become a Penn Mutual independent broker to cater to my client or do I not take up NY Life
Not sure since NY Life or Mass Mutual are currently recruiting me as a broker and not as an employee.
Confused - any help/clarification will help

 

[Todd King]

Ask them directly if you are able to solicit for other companies as well. Then you'll know for sure if you would be independent or captive with them.

 

[pfg1]

I knew someone 6 or 7 years ago with Mass, they could sell outside of Mass. Like Todd said, you'll have to ask.

 

[assurevest]

Thanks! On asking I was told that I can sell for other companies but doing it with them I will earn brownie points toward becoming a captive agent in future and get benefits etc.

 

[goillini52]

Thanks! On asking I was told that I can sell for other companies but doing it with them I will earn brownie points toward becoming a captive agent in future and get benefits etc.

 

[Markthebroker]

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[goillini52]

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[Markthebroker]

Dear god. I'm sorry I asked.

 

[goillini52]

Dear god. I'm sorry I asked.