GM I came from banking to insurance. . . and went from people bringing me deals to having to chase down clients. Three years into it and it is still a steep learning curve. I am just now getting consistent clients, and the kids college fund it GONE. If I had to do it over again, I would find a mentor, and seasoned professional that would take me under his wing. Allow him or her to sign you under them so that they can get a piece of your business and then shut up and listen. . . learn, and execute. No IMO is going to give you what you need. When they see you as a noob, they will stop paying attention after they get you in and focus on their earners. I ALSO would never join up with WFG or PHP, or any other clownshows or go captive for that matter. Annuity sales are both an art and a science. So again, word to the wise, find a mentor!