Pros
MassMutual is a good, solid company with a great balance sheet. Smaller company but things get done fairly quickly. Good senior management team. This has absolutely nothing to do with your experience as a representative or manager...this is all predicated on which General Agent you are affiliated with. My comments are based on my experience. It's different depending on which GA you work for. In this regard, MassMutual is little more than a product manufacturer.
Cons
You work for General Agents (GA's), who control your comp at "GA discretion". You'll hear this term a lot. They can change the rules whenever it suits them. I've seen this happen with reps and managers. The bonuses (known as financing) are described as a given in the interview process, but in reality can be denied or taken away at any time for any reason. The rules can be punitive in nature. Ask for the financing plan in writing. You probably won't get it. Weak product line and compensation model that makes it very difficult to earn at a high level. Company and GA's are only interested in reps selling whole life insurance. They are fanatical about this. MassMutual has abandoned the annuity business completely. Some GA's will discourage new reps from becoming securities licensed in order to force more whole life sales. In my experience, there is no support other than good initial training. You will never get a lead and you will never see one cent spent on marketing. Management stays in the office and will not help generate activity. The offices were disgusting and dirty and are indicative of how management views the reps...as a necessary evil. There are other companies with more predictable comp plans and better product lines that will allow you a better chance in a difficult career. YOUR EXPERIENCE WILL VARY WITH DIFFERENT GA'S. I recommend interviewing with all GA's in your area...there are likely to be many (7 in the NY area).
