This company is horrible. Soon I'm sure they will be investigated for violation of fiduciary rules. They force you to sell their products to everyone regardless of suitability. If you don't then they won't pay you at all. You have to pay them to work for them. They hold back commissions based on some bogus excuse and then act like you are inconveniencing them. They only care about whole life insurance. Pay outs suck and they only want you to sell tier one products which consist of one produce. Stay far away from this company. They are crooks.