18 Months non compete. You are not forbidden to work in financial services - but will be forbidden to contact, for business purposes, all of “your” NYL clients. They will enforce this.


There won’t be any fees owed for training etc… however you may owe for as yet unearned any paid annualized commissions - which could add up and cause some hurt to the newbie.

Why is he/she leaving? If he/she is willing to stick it out after the TAS contract period (3 years) the contract switches to a senior agent contract which is quite liberal and rewarding.

Feel free to PM me. Will answer via PM.

Yeah, it is enforced. You can work anywhere else but can't contact your clients. They also come back for paid commissions and they will send you to collections if you don't pay them back. My friend who worked there got screwed because he moved and didn't contact NYL and they didn't have his new address, nor did they look for it and sent him to collections. I left and didn't have any problems and left most of my clients that didn't contact me after I left.

Also, it's nearly impossible to take someone from a NYL policy if you get a broker contract because you need "permission" from the writing agent or the agent that takes over to become agent of record on it. It's BS, but it's the way it is.