Based on the collective wisdom of many here, it appears that receiving training for career changers to insurance increases the probabilities of success immensely. Taking this advice to heart, I've read the comments of numerous people on this website and believe that New York Life or Mutual of Omaha would be the two companies best suited for me, personally. Both appear to be well thought of by any person who recognizes their names...both offer numerous complimentary products and both are extremely solid companies. Neither uses high pressure tactics and both seem to want their employees to succeed...they are neither MLM-centric nor do they seem to want you to sell to your families to get started. The other thing about these companies is the fact that I can be an independent and still keep book of business I earned during my training period. That being said, Mutual of Omaha seems to have a larger variety of complimentary products (Medicare supplements, et al) whereas NYLife seems to be a deep blue bluechip that would be appealing to businesspeople. Given that I am middle-aged and know how to sell (just not life insurance) and that I would want to market in my hometown (work out of my home office)...I am hoping for some guidance on which company you folks would recommend and why. - do they provide leads? - quality of training? - loyalty of company to me, the agent? - Should I stay captive? (I note many of you say to specialize) ... captive would allow me to receive "benefits" but I'm assuming the commission rates would be less than if I was independent? - anything else a MOO or NYL vet can add would be VERY appreciated And yes, I've read almost every thread on these two companies.