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So here is my question, I would venture to guess most agents here like MassMutual products better than say Monumental Insurance when it comes to whole life products...So say Mass Mutual agency and Monumental has the same level of training but one pays you much less 55% as oppose to 100% commission, which would you choose? Also if one does care about their clients and not just the money..would going to Monumental be disservice if one feels Mass Mutual products are better.. My other question is when would buying a whole life product from a company like Monumental be better than buying it from a mutual company like Mass Mutual? And I know I have heard the client doesn't care or know but I do and I reallyl want to know the answers to these questions..again if the training is equal..which would you choose?