New York Life, Inc. Burn and churn operation. When I left, they reversed my commissions, said I owed them money and sent the phony bill to a collection agency. Stratford Connecticut

Burn and churn scam operation. Worked there 9 months. Not only do they charge you for everything including voicemail, phone, office cube rental, etc., etc., they don't even provide pens, paper, or folders to put your cases in. They offer absolutely no help in generating leads or contacts. They did sell me lists that were so old not even one number on the list was valid. When you do shows or child ID's, you have to rent, buy or supply your own equipment, raffle prizes, candy, etc.

Once you run out of family and friends to sell to, you are dead in the water. Knocking on doors or following leads from child ID's results in driving everywhere on your own dime and most of the appointments are no shows or are not interested. They push you to sell term insurance as that is their biggest cash cow and they only pay out on less than 1% of the cases. Most term policies laspe after 1 or 2 months and then they reverse your commission. Underwriting also turns down most cases for nebulous reasons.

All that is not even the worst part. After nine months, I finally left after having enough commissions to pretty much wipe my ledger clean. They promised they would pay me the commissions and the corresponding expenses you receive on top of the commission. Not only did they not pay me the expenses, they reversed the commissions. They then claimed I owed them money. When I didn't pay, they sold the phony bill to several collection agencies who have been harrasing me for the last month. They have now negatively effected my credit rating. I am contemplating suing them for my commissions and damages to my reputation and credit rating. 

Do not even think of ever working for them or buying any of their average, overpriced products. You will be sorry. And all this is from a Fortune 75 company!