New York Life, MassMutual, or Northwestern

I just passed my life and health exam. I have an offer from all three firms. My natural market is made up of business owners and large families in Maryland and DC.

I'm stressing about making the wrong decision. I don't want to be hopping from one firm to another.

Does one firm have a better training program than the other?

Does one firm offer more products than the other?

The recruiters tell me:
NML - They have the best IRR on whole life. Better Clientele = High net worth clients.

MML - Best paying dividend in the industry. Many NML reps left of MML.

NYL -- Most members of M
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