Hello everyone, I am Phil and I am 60 years old and just starting my career in insurance. I have been out of work for many months and am hoping to make a go of it in the MP products arena. I came to the forum because of some posts on NAA which is the group with whom I am affiliating. My sponsor is a full time doctor and has made a lot of money in his first ventures out the door. He is a newbie like me. I have just passed my state exam (TX) a couple of weeks ago and I am waiting for my #. I hope to learn from my immediate associates and from you all here.