Financial Rep versus Home Office Employee - Anonymous employee Northwestern Mutual Employee Review

2.0
Jul 11, 2017
Anonymous employee
Recommend
CEO approval
Business Outlook

Pros

This website does not differentiate between two types of jobs with NM. Here is the difference Financial Rep - a self employed independent contractor licensed to sell NM products and services. This person is not an employee of NM. Home Office Employee - an employee of Northwestern Mutual or a subsidiary, but none of these people sell anything. There is a big difference between being an employee and an independent contractor.

Cons

Financial Rep business is very tough - only one in ten make it to five years. You eat what you kill and get paid on commission. You need to have a lot of self-motivation to make it. Home Office is a giant bureaucratic mess. It works well if you just want to keep your head down and punch the clock, but if you have career aspirations, be prepared for politics, brown nosing and back stabbing.

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5.0
Jun 12, 2026
Recommend
CEO approval
Business Outlook

Pros

- flexible schedule - ambitious work environment - fast paced

Cons

- commission based - large learning curve

5.0
Jun 2, 2026
Recommend
CEO approval
Business Outlook

Pros

If you desire independence, income, and impact, this is the place for you. You will grow more than you have ever grown. You will help others and put their needs above yours. You will build a purposeful life by design. You will have a world class development team and support systems for you to succeed. You will have enterprise value in what you are building. It is YOUR business. You will be able to sell it one day or pass it down to a successor. You will create passive income for yourself. You will have the ability to be with your children in the morning and family time at night and on the weekends.

Cons

You have to build your own book of business. That is not easy. If anything is worth having in this life, it will be hard. To get in shape is hard, to create financial freedom is hard, to build a business is hard. Living a life without purpose or meaning is also hard. Choose your hard. The worst thing that happens in this busienss is someone telling you no. Compared to the men and women fighting for our country abroad or patrolling the streets, laborers working outside in the heat, getting told no while in a fancy office, dressed nice, and in the AC, its not that bad. I'll take that environment any day. If you don't mind being told no from time to time, then you will be fine. You can build an amazing life for yourself.

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