So I have been at AXA not long enough to even really be done with training. I obtained the Life and Health License, Series 7/63/65, I paid for all the testing fees. Before I started there was just something that were really glossed over in interviews that came to light when I started Very minor and not worth the detail, but it was the fact these were hidden from me, and seemed so on purpose. EX: Never was told I need to pay to go work charity events, pay to read self help books (i hate reading). 

I read all over the internet pretty much confirming my ill feelings. Things like "turn and burn employees", pushing you to sell to family then never even get contracted, etc etc.

I got an offer from MassMutual and it is solid. They pretty much match my commission up to 32k/21k/11k on 1st year/2nd/3rd.  So basically 40k in commission year 1 = 72k fresh out of college.  

From what I can tell both positions are pretty much similar besides pay structure, contract, and benefits; here MM beats AXA in all these areas by a landslide. When trying to quit AXA today they sale pitched the shit out of me how at AXA your so much more independent to do what you want and have the freedom to shop around different products from different companies, and at MM your REQUIRED to sell their 3 products of Fixed Annuity, Whole Life, and Term life (MM 4 core products are actually VA, Whole Life, DI, and LTC). That you have to please the policy holders who own the company and your basically forced to sell MM products to hit min commission marks to stay hired.

After leaving I pretty much felt I was fed so much bullshit to get me to try and stay. Thankfully, MM prepares a 50 page document outlining everything from A-Z for new employees. I look over the MM packet and realize that yeah I have to sell atleast $12,000 worth of MM products for in the first year, and it increases slightly over time, but it did not seem unreasonable. Also looking I realize that 25% of my production from outside of MM products applies to that minimum.

I talked to the manager at MM about what AXA told me, and how I felt like I was deceived a little because this packet tells me otherwise. He pretty much confirmed everything I read in the packet and said something along the lines of "yeah obviously if you sell a MM product your commission is going to be a lot higher and is going to give you frivolous bonuses like going on trips to Hawaii if you sell enough MM products, but at the end of the day you have to do whats right for the client for not only moral and ethical reasons, but for compliance purposes too."

I have pretty much made up my mind and am going to MassMutual, but wouldn't mind seeing if there were some other opinions to people who have insight on either company. I want to be able to have freedom to build the book of business my way, and not forced to slang insurance to people who are looking for investments instead. My 23 year old friends making 60k a year with no gf, kids, mortage, etc want things like growth mutual funds, not whole life insurance. Of course getting insurance this young would be smart due to the excellent health, but you can't get many 23 year olds to think like that. All about suitability of the client ;). Long term I would ideally like to start my own producer group.