Arduous, difficult and overly time consuming (especially for a predominantly commissioned role). Takes two months to get an offer -- multiple interviews, background checks, aptitude testing, requests for information that no other employer would ask for. It's ridiculous. If you can show <$26,000 earnings related to the finance & insurance business AND can score >5 on their aptitude test, they will put you on their New Advisor "backing" program -- which entails no office fees ($500/mo.), nor copy paper fees and a 59% payout on commissions. [If you scored <5 and/or have made over $26k in the business over the past two years, you have to pay office fees ($500/mo) plus other expenses, and are on a commission grid starting at 40%!] If they make an offer to join, then they take even more time to schedule credit check, drug screen, and start to set you up on their system -- which takes another three weeks! Meanwhile, you are not receiving any income and they don't understand that the bills aren't going away... Prudential offers $2000 for startup money, but if you use all $2000 and haven't written five pieces of Insurance (Life Insurance and/or Annuity) business, they have to fire you -- so, basically you don't take the money to get your business started (although that is exactly when you need it) and work to bring in the five pieces of business. The money rolls over into your account if/when you bring in the five Insurance pieces and you go from probationary employee to employee. Also, you are prohibited for doing any securities business (even if licensed), until the five pieces of Insurance business are brought in, and you go full-time. Additionally, you will be required to pay for Insurance licensing in required states (which will be reimbursed after/if you have brought in the five pieces). Finally, you will be overwhelmed and required to complete dozens of PLNs (Prudential Learning Network online classes) -- 23 initially and then another couple dozen (with more coming continually), while being told that you cannot exhaust the $2000, that you are on the clock to bring in the five pieces of business or you will be fired, and that you have to build a business. The leads provided are said to be "warm", but upon calling, you are told by the Prudential clients, that you are the tenth Prudential representative to call them in the past six months! Typically the account sizes are very small -- under $20k, and the people you call are uninsurable. Your business cards will be withheld until you have completed all of their online classes (even if licensed) -- some of the classes are over 300 pages long, and you will be given over fifty classes to complete! On the bright side, the other Prudential employees are very warm and helpful.