Are All the Big Mutuals Captive?

[Frank Bettger]

Their Universal products all seem soooooo good (and gotta love those dividends!); but, can independent reps sell them?
Which ones let you; which ones don't?
Are the co.'s that do allow independent contractors worth anybody's time?

 

[JimmyUt]

Their Universal products all seem soooooo good (and gotta love those dividends!); but, can independent reps sell them?
Which ones let you; which ones don't?
Are the co.'s that do allow independent contractors worth anybody's time?

I am an indy and have Guardian, Minnesota Life and a few others. I was also offered Northwestern Mutual and NY Life as well.

 

[xrac]

Ohio National is also available.

 

[Frank Bettger]

I was also offered Northwestern Mutual and NY Life as well.

Do they let you sell their life policies or just annuities?

 

[dorado]

I know you can do MassMutual

 

[Frank Bettger]

I know you can do MassMutual

Life insurance or just annuities?

 

[dorado]

you can do Life, have not tried annuities with MM

 

[Frank Bettger]

you can do Life, have not tried annuities with MM

How do you get contracted with Mass Mutual?

 

[DHK]

You can be a broker with MassMutual or Guardian... which makes a nice 'exit strategy' if you decided to be a career agent first.

To be a broker, you need to broker through a local general agent.

There may be products you won't be able to sell as a broker that are reserved only for their career agents, so keep that in mind.

You'll get better comp with other carriers... such as Ohio National.

 

[0b1kanobee]

Does Ohio National offer FE type insurance?