Earth tones that blend in with the surroundings was not a smart decision for new signage and logos.I compared Monthly desk fees, transaction fees, E&O fees, fees to corporate, split % to me, cap to 100% commission split, whether there are mandatory meetings, whether there is company provided lead generation, whether a CRM was provided by the brokerage and whether there's a % paid for your own recruits.It all came down to this: I took a sample transaction with a $2,000 gross commission and applied fees and splits to see where I did best. 

In this program, we don't have an "accountability coach" checking in on us weekly, but Mark's always a phone call or text message away when we need him and his responsiveness is unparalleled. 

Agencies try and do a C- job of making these complex products simple to understand.Div Paying WL blending term insurance into the policy & a Universal life policy which is basically term with a excess-account (my word) that links the overfunded portion of your premium to an Index(S&P Nasdq Bond index Multi Index etc.) are basically trying to achieve the same goal using two diff "crediting" strategies.WL is using dividends and IUL are using Index credits IUL generally has a floor of 0%-1% in neg Market years with Caps of 9%-14%  or if Uncapped the participation will be some number less than 100% i.e. 65%WL dividends are not guaranteed but most co. like a Mass M or Penn M NY Life etc have a over a 100 year+ track record of paying dividends  so to not pay one would like mean death of that insurer from a competition standpoint For Banking purposes inf banking... they want you to use your policy loan feature like a checking account much like a HELOC although ( they dont offering check writing?!?!)