I found this forum a couple of days ago, and I have been reading hundreds of messages since then. It's been a great resource for me, and now I would like to ask for some insight and advice.I am 50 years old. I have been making my living for the past 18 years as a full time independant S&P futures trader. Yes, I'm one of those people who basically lived by myself in a cave (my home office,) in front of a bunch of computer screens, trading proprietary and *mostly* automated systems. For many reasons, I have reached a point in my life where I want to finally get out of the cave, and work amongst other people, using whatever skills and knowledge that I have.I have just been offered a job with MS in the FA training program. From reading many posts here on this board, it seems as if I have been offered the standard deal: $60k salary + the license training. Changes to all commissions by the end of the 2nd year. $5 million AUM and $15k production must be hit by the end of the first year, and other targets for the 2nd year, etc.In addition, I have also spoken with NY Life, and I know that they are going to want me too. My next interview with them isn't until next Monday, when they say that they are going to explain compensation to me. The guy did tell me that I should expect to make at least $60k the first year, and at least $100k the 2nd year.Now, here is my question:I see the comments here on the forum mostly look down on insurance sales in comparison to working as a FA. I also read post after post about the mortality rate (80%) of new FAs, but I haven't heard anything about the mortality rate for insurance guys. I also have no idea about the difference in *average* compensation. So, can any of you please enlighten me as to the real differences between working at a place like MS compared to working at a place like NY Life?Thank you for your time.