Eventually, you'll build a list of at least 100 people that you know in the area - friends, family, and other people with money. You've blown through most of your friends, family, old high school buddies, and all the people whose numbers they gave to you. There will even be one or two in your office who are Gods to everyone that trained you (except for some of the people who have been there for a while and who will tell you all sorts of bad things about these legends...after all, you should be doing joint work with this guy, not that guy, if you want to close business, and anyway this guy is nice...you'll thank him for helping you). You know that. My brother took an "internship" this summer with Northwestern Mutual. To Apply: Please forward a copy of your resume to: Alexa Slack Internship Director Northwestern Mutual (954) 535-9136 alexa.slack@nm.com Am I missing something here or how do I gently let him know what is really going on? And not only that, but you're making money by giving them access to the single most important, wonderful product of the modern world: Northwestern Mutual's Permanent Life Insurance. Some pros of working at Northwestern Mutual include their top training program, amazing mentors, and the way the managing partners of each firm allow you to make your own schedule. Cons Some cons of working at Northwestern Mutual is that it is a very hard business and if you don’t give yourself enough time to figure it out, you will fail. Now, you may have intelligent friends and family who have done some research, or read some Dave Ramsey, and they know that whole life insurance/permanent life insurance is a bad idea. granted it's a bit more legit since it's selling insurance instead of fire/ice goat skin condoms for frogs, but it's still an mlm. I promise my experience was exactly like this. You realize that's not logical for reasons x,y,z, right?) Whole life insurance is useful in the exceptional case where someone has more assets than are covered by the estate tax exemption (~$5.45 million). It sounds like your brother is an insurance agent with some weak technical training and lacks a silver tongue too. This is true word for word. In short, the answer to your question is yes. When I quit after getting a job at a good independent firm, the joint-work partners I worked with (who got to keep all the clients) were concerned about one thing and one thing only: "can I still call that [insert high net worth position here] we tried to make a client together?". Northwestern Mutual as a company is great -- strong financial stability, security, etc, but the culture within their system for women and POC is horrible. This is spot on to what I feel is going on. Stay away from this company, I lost many friends and relatives trying to make "100k+" at age 22. Pros. New comments cannot be posted and votes cannot be cast, More posts from the FinancialCareers community. It's unbelievable what they get away with, and it's more of a management problem than anything - the young reps are just trying to do the right thing, but most of them don't think for themselves much, nor do they do enough independent research. Made us feel very used. And some of the joint work partners make mistakes! its more the business than anything. Make a post, that night he called me for my bank account info. You can lead a horse to water, but he doesn't want to drink. I could of closed some solid business and decided I liked my friends and family more then a quick check. This industry is not hiring CFPs or MBAs. Throat punch and then a link to bogleheads ought to do. Press question mark to learn the rest of the keyboard shortcuts. This is the guy that will train you, and he said that as long as you do what he says, you'll have a great life. View Disclosures Hide Disclosures . Note: this career path isn't all bad. Then check out this video about Northwestern Mutual's college internship program. He presses me, I give it to him. Have them open a Roth IRA instead of selling them permanent insurance that is difficult to get out of. If you play your cards right, you can end up at a good, fee-only firm that doesn't rip off their clients. Also I feel really ashamed I fell for this at all. I trust my brother, but I think he's fully drank their cool aid. Just asking for a friend.... 3 months later but I just stumbled across this sub and have a meeting with NWM on Tuesday. It's shocking how many of my colleagues, extremely successful CFPs, aren't even discussing life insurance. And even though it may be hard to resist, and everyone else is doing it, don't sell people things they don't need. If you are an eight-figure multimillionaire and want to efficiently distribute assets to your descendants, a whole life policy can make sense, since it's distributed outside of the estate probate process. And I thought Vector/Cutco was bad! Jobs. As far as how to let your brother know, that's though. They target these employees because they swallow the pitch hook line and sinker. I thought he would get an understanding of setting up a plan to reach financial goals, investments, and insurance. Fucking zombies. He seems to be getting brainwashed and being given awful financial advice. Good when it's a good product. He tells you it's time to move on. It is a hedge against you dying and leaving your dependents destitute. Technically it's not a finance job, but my guess is that people will search for it (as I did). My DD included going through the process of becoming a client and reading their ADV Pt 2. You might be skeptical, but you also might be able to make a lot of money helping people which is a win-win, so you might check it out further. The management team or "coaches" and all are very likeable people. Once he gives you the sell job, get the details, then show him how much of a better deal the engineer can get online at some other place. Actuarial. Wow, I literally posted about interviewing with Northwestern Mutual yesterday, that's interesting. Second. She'll tell you about how NWM is one of the top-rated companies out there with the highest financial strength ratings available (also true), and you'll think it's a pretty good company! In a year or two he will likely either be washed out or be singing a different tune. You're also kind of frustrated, because you still don't really understand the nuances of the products that well. BEGIN YOUR PROFESSIONAL DEVELOPMENT AS AN INTERN WITH NORTHWESTERN MUTUAL – Wilmington, NC One of America’s Top 10 internships, Northwestern Mutual Financial Representative interns strive to understand their clients' goals and visions to uncover financial solutions that put them on a path to achieve their financial objectives. Some of the reps you came up with are already gone, and maybe you miss them. Eventually she'll ask about who you know, but let's not get into that too much. Thank you! They don't even pay him unless he sells X policies. I bet they wouldn't even be able to tell you specific details about the products, because they're just regurgitating bullshit their manager-coach (who failed out of the business and is now training them) told them to say. From the outside looking in, it looks like he is cold calling people and trying to sell shitty financial products, but he doesn't even realize the products he is trying to sell are shitty. Not many downsides, but it is a very demanding job especially early in your career. Apply to Financial Representative, Financial Representative Intern and more! You don't want to give 50% of your money to the joint-work partners, so you've been doing more cases on your own, and you just can't close as much business. Once you start working, you'll be persuaded but not forced to take a "joint-work partner" with you. Then I Google, find this subeeddit. They have graphs and shit. Didn't you read the handbook? My biggest problem with Northwestern Mutual is the disdain college reps had for the fiduciary standard. Some of them won't meet with you, even though you're just trying to help them. I avoid him at all costs now. If you're new to the industry and have any questions feel free to hit me up! The management in my particular location/agency was absolutely heinous. They said I'd learn through joint work, but I still haven't learned enough. They try to sell life insurance to anyone who can sign away on a payment plan. It's a lot more work, but you'll be more marketable. Maybe he will realize, but I doubt it. During the training period, which lasts about a week, you'll learn more about this great company, directly from the people who have succeeded there in your area. My biggest problem with Northwestern Mutual is the disdain college reps had for the fiduciary standard. I guarantee those reps have never worked for a different firm, nor have they ever looked at what else is out there to compare NWM products with other products. 426 reviews from Northwestern Mutual employees about working as a Financial Representative Intern at Northwestern Mutual. 3 Real Estate Salaries and Bonus Data. As a financial representative intern, you’ll have meaningful mentorships, access to strong professional networks, and immediate career opportunities with virtually unlimited earning potential. So for anyone else reading if you think Mass Mutual is any different, you are wrong. Having a ridiculous experience with a NWM sales person inspired me to pursue a career in real financial planning. You'll use these new tactics to convince people you know who are "centers of influence" to meet with you and let you pick through their network so you can help all of their friends with this great new career you've started. transfer my current Mutual Fund into a Variable Rate Annuity. The attrition rate in this industry is huge even at older established firms with good reputations like Northwestern. Someone fr the company randomly setup a meeting with me and then tried to sell me life insurance as an investment, which I actually think is illegal at least in some states. The thing is though, nobody could tell me that, I had to learn it myself. Might as well keep at it. I'm partway there with a career change through taking CFP classes but I'm not sure if I'll follow through. They might have one fiduciary per office, but they certainly weren't planning on becoming one. Now you're actually kind of excited. He already went and took out a term policy for himself. I said I couldn't find it. It is not a scam, if you do your research you will realize it is a very impressive company with an unbelievable track record. You're welcome. They'll let you stay even if you get 250, but, man that's a lot of work. Once you pass the extensive background check (and believe me it's thorough), study for and pass your Life & Health exam, you're good to go! That's good, right? A free inside look at company reviews and salaries posted anonymously by employees. Basically anyone asking about joining an insurance company or a career as financial service rep, this will be your life. He said ok and that was that. They recruit almost anyone and everyone. They were good dudes. I worked at Northwestern Mutual full-time for more than a year. Frustrating when it's not. At NWM it was almost entirely sales training, and almost no product training, but the sales training was very good. It sounds good, $200 a month seems right for what I make. You've already put a lot of work into this thing by the time "basics day" rolls around. This seriously needs stickied up top. I think I have a basic understanding of financial planning. The ones that are still there, struggling just like you, have the same concerns you have. And you'll know all about how the dividend of NWM whole life fucks the ass out of any other investment product...tax-free!! You haven't had 150 new meetings in the last six months, and in order to stay (statistically speaking) you have to have 300 new meetings by the time your first year is up. You'll spend the next three months doing lots of joint work, calling everyone you know trying to get meetings with all the people you love and care about. They'll have scripts - language that you'll have to memorize, and a time-tested strategy based on a scientific method. The Northwestern Mutual Internship has been named one of Americas Top Ten Internships by Vault for 20 consecutive years. He really believes his "friend" is really trying to help him. They asked me how big my network is, how big my family was, etc..: I caught on that they just wanted to hire me for my network to sell insurance to. Get as much information as possible. You've even checked it out, and it's really, really good. It was awesome. I worked there straight out of college in 2012. In firms like nwm the new agents are the prospects and the managers are the real sales people. Roth, 401k/403b/life. NWM focuses on teaching a very narrow sales pitch to sell high fee life insurance products, more often than not crappy for their clients. Northwestern Mutual Financial Representative Intern in the United States makes about $20.09 per hour. That said, I don't think most people on this sub meet that criteria. I signed, and was glad to start on the road to saving money. Buy term and save the difference between the term premium and the whole life premium. They'll tell you all their secrets. There are a lot of designations out there, and the CFP is (arguably) the best one. You might even buy some, too! Northwestern Mutual is a big recognizable name and therefore most people trust them implicitly, but it's a shit company. The hard part about northwestern mutual or any other company like it, is your bosses are sales people (they usually started at the bottom once and rose their way up), and so they're naturally effective at convincing you / selling you. My brother who convinced me to meet his NWM "friend," a financial rep. We meet once, he gives me a breakdown of the different types of accounts. You’ll gain exposure to modeling, pricing, products, reserving, and marketing, and receive support as you prepare for your actuarial exams. You are unfortunately missing nothing here. You haven't spoken to them in a long time, and maybe your career is slowing down a bit. People just make this business too hard. He showed me some info on his iPad, looked good. Which to be fair, in theory, should make him a better salesman. Plus, in 2020 Vault ranked us #5 within the financial services industry and also ranked us in the top 10 for overall career development. You've been there a year now. Most permanent life insurance really is dogshit. Next morning I emailed and text him to cancel the plan. It's not a sales pitch but a sob story. Good luck. Internship program is always ranked in the top internships nationally. But then again, if you make it that far you're probably either a sociopath, willfully ignorant, or you just don't care. Some become successful salespeople, and drink the insurance Koolaid. Learn about Northwestern Mutual culture, salaries, benefits, work-life balance, management, job security, and more. Pros. Learn about Northwestern Mutual culture, salaries, benefits, … In the end, he'll be better for having gone through this, he'll realize sometimes people just want to scan you out of your money. But before you even get to that point, do your research!! It seems he is getting a crash course in life insurance. He keeps talking about how term and especially whole life insurance, should fit in with everyone's budget, because they need it. 90 reviews from Northwestern Mutual employees about working as an Intern at Northwestern Mutual. I would wait 6-12 months. MILWAUKEE, Oct. 13, 2016 /PRNewswire/ -- Northwestern Mutual today announced that the company's nationally-recognized financial representative internship program was named by Vault.com the #1 internship for students seeking careers in the financial services industry.. Northwestern Mutual ranks #4 overall across all industries on the Vault's Top 50 Internships for 2017, and is the only … But I would add that the fail rate is high because of the reason you stated but also because a few people realize what they're doing is wrong. There was a guy in college I knew that got a job with Northwestern Mutual and kept trying to sell me and my friends insurance policies, and it was annoying to say the least. He got our phone numbers and called us all several times. Lasted 4 years, was in the management training program and felt enormous guilt for the "planning" I was doing for people. But you'll find that's not guaranteed and is just sales talk. She's trained to gauge your personality, and as long as you aren't a completely wet blanket, you'll be qualified to move on to the next round of the interview process. ... he tells me since I am an engineer and not a financial representative, that I am misinformed, and that I should come in so that he can help me. High level sales training course, excellent culture, plenty of resources for product knowledge and business support. and soon enough he'll come to the conclusion on his own that he's being played, and then he'll leave. Most do not, and move along in their careers to something else. The hope here is he'll eventually see the light- logic inevitably leads you there, and in the meantime try your best to tolerate is abysmal table talk. Soon enough, you'll meet with one of the most affable people you've ever met. Classier than Cutco Knives, but still the same thing. Job Description. The world is an uncertain, uncertain void, and no one knows where the market goes, right? He is basically an unpaid salesman right now. my friend told me he got an internship at northwestern mutual as a financial advisor and i was happy for him until i looked it up and realized it's a sales position and more importantly, a disguised mlm scheme. Each rep would say being a fiduciary is neat, but the products speak for themselves. And you'll help solidify your own future, too. "Geez, this product sucks, but Timmy needs this sale...it's tough being a good grandparent these days". He calls you on the phone to go over your numbers (you were supposed to meet in person, but he left the office for the day). I worked at Mass Mutual, and this is THE SAME EXACT STORY. Maybe one person who is still relatively new to the firm (like you) is doing a great job, but you're in a rut right now. Time and time again, reps would bombard student org meetings and college classes to talk about finance careers (re: Northwestern Mutual internship program and recruitment). This is a solid review for this firm. If you have a finance degree you can do much better than this place. When I bring this up, he tells me since I am an engineer and not a financial representative, that I am misinformed, and that I should come in so that he can help me. This just isn't the right career for you. He's also incentivized to hire you, but he'll make it seem like they don't just hire anybody - and they don't...technically - and even though he'll tell you this business isn't for everybody, you'll realize that this business is for you. Or maybe you'll be one of the few people who actually makes it work at NWM. However, I am grateful for NYLs training program -- I feel strongly that it's the best in the industry. Press J to jump to the feed. Most of the ongoing training sessions are still just about how to sell, not about what it actually is you're selling. You'll get pissed at them, and you won't talk to them (and they won't talk to you). And to be frank, you need to leverage your friends in the business to get in at a great firm. My other research kind of pointed to what you're alluding to and obviously I'll go into it with an open mind but I really appreciate the insight! And the dividend on that whole life isn't actually a rate of return like you thought...it's largely just a return of premiums with 2% growth instead of 6% growth like you assumed based on how they explained it. This career offers flexibility at a company where hard work is valued and rewarded. Check out the surrender charges on that annuity, and make sure you're sitting down first. Whenever I got called or emailed this company it was always about the incentives. I did some IT consulting at NWM like 10 years ago and got the same spiel. They are exactly the same based of this story. I wouldn't worry too much though, just keep prodding him with questions to get him to think (do you really like it there? At Northwestern Mutual ®, success is mutual.When you intern with us, you’re opening the doors to your future career. The cons of pros Like a lot of financial firms, Northwestern Mutual is criticized for its aggressive sales tactics. He is committed to his path, and doesn't want to admit that he made a mistake. Why don't they teach us more technical knowledge about these policies? Life and disability insurance, annuities, and life insurance with long-term care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). I had a friend work there. Helpful full-time advisors come along side to offer experience, advice, and leadership in meetings with potential clients. It's time for your quarterly reviews with the Managing Partner who is never around. They'll all seem very happy. Rinse and repeat. The recruiters are incentivized to bring you on board, of course, so they'll tell you about all the money you can make (which is true, in theory), and since they've already drank the kool-aid or they wouldn't be there, they will be very excited about NWM. He says how can you believe those people, who are they? Stay calm. Northwestern Mutual Financial Network is the marketing name for the sales and distribution arm of The Northwestern Mutual Life Its not just nwm its bankers life, state farm, mass mutual the list goes on. The ending can change but for the most part it will be like that. Join our community, read the PF Wiki, and get on top of your finances! This is just a tiny bit of what he talks about all the time. They pay you no base salary its 100% commision and if someone cancels you have to return money you already used. A lot of independent firms have reps who began in large firms, so I will definitely give them credit for that. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. As someone on a career search, this was very insightful. NWM is talking advantage of my naive hard working brother, but I guess this is just going to be a hard learned lesson about the real world. As an Actuary, you’ll help solve some of our company’s toughest problems by drawing upon your analytical and technical skills. Hey did they at any point drug test you? Many, such as Merrill Lynch (NYSE:MER), even … They recruit anyone and everyone. I'm glad you eventually made it with a good firm. Term life insurance is not an investment. Left NYL and now am a private wealth manager. Press question mark to learn the rest of the keyboard shortcuts. You'll have to split commissions with them, but "it's better to get 50% of something than 100% of nothing." He doesn't know what an IRA is. It's just hard to watch my little brother get all stressed out about how many policies he has sold. As a Northwestern Mutual financial representative, you'll build lasting relationships with your clients and help them achieve their financial goals. Time and time again, reps would bombard student org meetings and college classes to talk about finance careers (re: Northwestern Mutual internship program and recruitment). The jackass I talked to at NWM wanted me to put 40% of my gross income into a whole life policy, even though I have no dependents and worked at a company with a ridiculously good 401k match. This is when you actually begin to learn how to sell. I figured with him working at a big financial institution, he would learn the ins and outs of personal finance. You'll learn how to talk on the phone and convince people to meet with you - even if they object (up to three times). More importantly, they'll show you that in just your first three months working there, you can make up to $64,000 just for helping people! This feature is not available right now. And if those reps think NWM (or any) whole life insurance is good for even, say, 0.01% of the population they're fucking crazy. Of all the wirehouse firms, two have more kool-aid than any others: Edward Jones and Northwestern Mutual. NWM disability insurance is actually pretty good, but it's certainly not worth the premiums. That's just how the world works, at least where I live. Wisdom does not come easily. But you'll meet with a lot of your friends and family, and you'll sit there with a shit-eating grin, agreeing with everything your joint-work partner says (and he'll do ALL of the talking), because you're creating a financial plan for them! You are completely right. Send him to this topic. Joint-work partners are the people who showed you their secrets during training, plus others in the office who have years of experience and are really, really good at what they do. You've been trained to know this. I don't think he even submitted the application I signed. Please try again later. I interned at Northwestern Mutual during the summer of 2009 then through the following school year part-time and then again during the summer of 2010. All you have to do is do it. It is basically a pyramid scheme like Vector marketing (selling knifes door to door). The ones you haven't met with yet won't return your calls. If you want to try again to get him to figure it out, go along with his idea to "help you". The new agents bring in friends and families until their network is exhausted and then they wash out. Can confirm that NYL was very similar. It's at least worth googling, and it actually doesn't look too bad when you search online! Do you feel like you really need a life insurance policy? 3,065 Northwestern Mutual reviews. Their employees are simply considered cogs to get more people on their life insurance policies, and working for them is no more than a glorified door to door salesman, disguised by "fancy" words such as "dividends" and other garbage. 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