JE -
If you are looking to sell life from a career shop you are probably dead in the water.
As Dan indicated, many of the large life carriers that still have career shops are pushing variable products. Even if they don't have, or want you to sell variable products, if they are advancing commissions your credit history will create a problem with most.
Same would be true on the health side. Some, but not all carriers, will deny you advances if your credit is bad.
You can still get appointed but as earned (which is the best way to go) is still an option.
If you are looking to sell life from a career shop you are probably dead in the water.
As Dan indicated, many of the large life carriers that still have career shops are pushing variable products. Even if they don't have, or want you to sell variable products, if they are advancing commissions your credit history will create a problem with most.
Same would be true on the health side. Some, but not all carriers, will deny you advances if your credit is bad.
You can still get appointed but as earned (which is the best way to go) is still an option.