Kris If you read this forum, you will see that something like 95% are out of this business in 5 years. Some NYL offices do better only 94% are out or occasionally they may hit 93% out for a while. Now almost everyone I know who has joined this industry to make 6 billion is out already. If you join NYL and follow their system you should be able to make around 40 to 50k first year working full time. Some make more than 100k first year, but don't count on it. Your second year income depends on how you develop your prospecting skills. Motivation is nice but this business is hard because almost everyone I know who has made it here has quit so many times and climbed back. It is harder to climb back when you have a child. You could make 40k in 6 months only to have a charge back of 25K. And yes, NYL won't pay you anything until you clear your charge back. On the hand, you could make over 100K in 6 months, think you are all set for life, never develop any skills and still quit this in your 2nd year. NYL is a good company to start, just be realistic on your business plans. Also interview someone who has been at the office for 1 year and 5 years.