Go on line and do the application thing with MM what do you have to lose. THey will at least talk to you. I don't know about the degree part. I don't think you have to have a degree with Guardian. You don't have to be a career agent to sell either's product line. What state are you in?
Mass Mutual , Guardian Life
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Go on line and do the application thing with MM what do you have to lose. THey will at least talk to you. I don't know about the degree part. I don't think you have to have a degree with Guardian. You don't have to be a career agent to sell either's product line. What state are you in?
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Thanks, I'm in CA..I sent in my resume today and they called me back today. This is for MM, Guardian also called me yesterday. MM, I have an interview for next week. That's great to know that you can sell either one even as an independent agent.
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I had a career contract with Mass. No college degree either.
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Great to know. Thanks for sharing. Hopefully I end up making the right choice.
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Can you share what your career experience with Mass was like?
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Also, do you know if this is true, someone mentioned that MM products are mostly for white collar and MOO has more for blue collar , also that MoO has more product selection. Do you know where Guardian products would be at?
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Can you share what your career experience with Mass was like?
- - - - - - - - - - - - - - - - - -
Also, do you know if this is true, someone mentioned that MM products are mostly for white collar and MOO has more for blue collar , also that MoO has more product selection. Do you know where Guardian products would be at?
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Good Morning, All
You can broker with MM - do not think you can broker with Guardian (Guardian refers to Berkshire as Guardian but it is Berkshire and is owned by Guardina but very weak financials and Guardian's argument about standing behind Berkshire does not hold with smart attorneys who know Guardian can sell it any time they decide to do so) but who needs them when you can get MM whose IRR (internal rate of return) on their whole life is higher and they are much bigger and stronger than Guardian - and listen to those who know about the "agency" stuff but once you are giving your GA what is required, you can go outside and be paid directly and the GA will not take a piece - GA's and managers take a piece of all compensation unless you go around or outside of them plus most if not all charge you for space, etc once you are thru your probationary period - but
what you need is good training and the best product you can find and MM offers you this; finally, MM is truly global and I do not think Guardian, NYL or NML are and that can't hurt.
Here's how I see it (I'm taking my car in and it is a performance engine): you can use MOBIL1 for your motor oil or you can go cheap and use less expensive synthetic or just good old motor oil - it's your choice - I use MOBIL 1 for my car and prefer to always recommend the best to clients so discuss many companies but recomment MM and explain why.
Bottom line, the clients picks you and trust you to honor your fiduciary duty...
Good luck,
Mary Ann
You can broker with MM - do not think you can broker with Guardian (Guardian refers to Berkshire as Guardian but it is Berkshire and is owned by Guardina but very weak financials and Guardian's argument about standing behind Berkshire does not hold with smart attorneys who know Guardian can sell it any time they decide to do so) but who needs them when you can get MM whose IRR (internal rate of return) on their whole life is higher and they are much bigger and stronger than Guardian - and listen to those who know about the "agency" stuff but once you are giving your GA what is required, you can go outside and be paid directly and the GA will not take a piece - GA's and managers take a piece of all compensation unless you go around or outside of them plus most if not all charge you for space, etc once you are thru your probationary period - but
what you need is good training and the best product you can find and MM offers you this; finally, MM is truly global and I do not think Guardian, NYL or NML are and that can't hurt.
Here's how I see it (I'm taking my car in and it is a performance engine): you can use MOBIL1 for your motor oil or you can go cheap and use less expensive synthetic or just good old motor oil - it's your choice - I use MOBIL 1 for my car and prefer to always recommend the best to clients so discuss many companies but recomment MM and explain why.
Bottom line, the clients picks you and trust you to honor your fiduciary duty...
Good luck,
Mary Ann
You can broker with Guardian, I have a brokerage contract.
Jman718
New Member
Volagent,
What is the project 200 and 5/2500 from MM?
Thanks Jman718.
What is the project 200 and 5/2500 from MM?
Thanks Jman718.
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Project 100, 200 and all its variations are what all the old career carriers will make you do. Basically you list down all your friends, family, business associates, aquantinces, former co-workers, etc. You'll categorize them by age, marital status, children, income, occupation, how long known, and how you know them. Then you'll be expected to start calling on them and telling them what you are doing now. You are expected to get your first business from them, to get your started. Some say, and I recommend, just introducing your new career and firm to these people and ask for referrals. Let them bring up the sales opportunities. Most call this your natural market. Depending on how big this is, how well you know them, and their status in life, you can start out very easy or very hard in your career. From them hopefully you will develop a good referral network.
5/2500 stands for 5 lives and 2500 FYC. That is what you have to do with Mass before they will give you a career contract with subsidy. There are ways to get the career contract without this, but the most popular subsidy requires this amount of production in 3 months first. Also, the lives and FYC are after any splits. Whether or not agents do splits on joint work with agents under Contract B is an office and individual thing. The business doesn't have to be approved, just submitted with a check.
5/2500 stands for 5 lives and 2500 FYC. That is what you have to do with Mass before they will give you a career contract with subsidy. There are ways to get the career contract without this, but the most popular subsidy requires this amount of production in 3 months first. Also, the lives and FYC are after any splits. Whether or not agents do splits on joint work with agents under Contract B is an office and individual thing. The business doesn't have to be approved, just submitted with a check.
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Hi Peter,
Thank you - the Bachelors can be awarded from any accredited college - my major was finance and my first job was trading silver futures and then went to Investment Banking and only did equity deals; left and started my own business and got the clu, chfc which are designations - not degrees - from The American College - very easy - then matriculated for the Masters in Financial Science Services at The American College (also not difficult but did take time) - so I have two degrees and two designations but what seems to be most helpful is that I do my own research/due diligence - I have been paid to a analyze blue books (the annual filings by life & health companies in the state where domiciled) - so I use my own guidelines and calculations - hope this helps and Happy Fourth, MaryAnn
Thank you - the Bachelors can be awarded from any accredited college - my major was finance and my first job was trading silver futures and then went to Investment Banking and only did equity deals; left and started my own business and got the clu, chfc which are designations - not degrees - from The American College - very easy - then matriculated for the Masters in Financial Science Services at The American College (also not difficult but did take time) - so I have two degrees and two designations but what seems to be most helpful is that I do my own research/due diligence - I have been paid to a analyze blue books (the annual filings by life & health companies in the state where domiciled) - so I use my own guidelines and calculations - hope this helps and Happy Fourth, MaryAnn
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