Shady. A waste of time and decietful. I was presented with a "base salary" to start plus your insurance commissions. You would start with Health & Life and can add your Financial Licenses later. I made it very clear I was not in a position to join a commission only position. I was assured of the base salary from the start.... I find out at the end of the "hiring interview" after: meet & greet, 1st interview, background check, jumping through hoops, providing 4 business references, 10 personal references, 2nd interview, completed a 15 person questionnairre, psych test, etc..... Such a lie. I was told that the "base salary" was not paid as a salary as presented from the start! ?!!! It was a performance base draw that can only be accessed with your commission. On top of that, you needed to be approved by NYL after completing a now 200 Person Circle of Qualified Investors and meet other criteria. The interviewer even told me "don't quit your job just yet, while you go out and complete your 200-250 Investor Circle....." Are you kidding me? Such a decietful waste of my time. Horrible to think about.