management trainee

sales representative

recruiting specialist

entry level sales representative

entry level retail sales associate

Modern District Financial

The job is pretty much just cold calling and trying to close sales. The first week, they'll give you a crash course through the office culture and tell you more information about the company.

They'll start you on phones almost right away and have you using your personal cell to make calls. Everything they have you do is scripted, they've done most of the work for you already. All you need to do is follow through and be teachable.

The 2nd and 3rd week are focused on studying for getting licensed to sell insurance legally and you officially "start" once you've passed the exam.

The potential for compensation is enormous. They are insurance underwriters specializing in life and health, meaning they have the freedom to shop rates among a bunch of different distributors to ultimately save your clients money.

One service they offer is an annuity, basically a 401k flip. Ask seniors to move their 401k from the active stock market into their account where it will gain interest and not be subjected to the rise and fall of stock market crashes. You make a commission based on the size of the annuity, it is not unusual for agents to make over one hundred thousand dollars in their first year.

The office environment is critical of each other but supportive. Critical in the sense that they're constantly looking for areas each other can improve in and pushing each other to become the best version of themselves.

The cold calling is very intense and not for everybody. The first week is particularly difficult as you will have next to no idea what you are actually trying to sell and some people who pick up the phone become very angry. The first 18 months are by far the hardest because you will be calling endlessly trying to build your portfolio and gather clients but the potential is there.

If you are a pushy salesman type, this may be the single best opportunity for you on the job market currently. The potential to make money and step up into management positions is insane.

95% of employees are either old and have no life (ex//: friends, family priorities, retired) or they are young with no value or understanding for family orientated people.

This is a great opportunity if you literally want to spend every waking hr listening to arrogant mangament and not spending time for yourself, family or any other life aspects.

Simply put, stay away from this company as they are in building mode and treat everyone as expendable until you can make the company money. I've even witnessed management talking disrespectfully about another employee who IS creating revenue for the company. Therefore expendable is completely and 100% accurate regarding this company's view on other employees.


This job is awful. Intended for those who can easily be brainwashed, or "like-minded". 

They say no cold calls in the interview, but that's not true. you will call hundreds of numbers from a database of elderly people, ignore everything the elder says, and bully your way into their home, whether they can be helped or not. Some can be helped, which they do with bully tactics. 

EVERYTHING about this job/office is scripted. EVERYTHING. If you can stand to call every person over the age of 65 in a given area, and feel no remorse for being rude to whoever answers, you may be able to pull it off and make great money. Never once was it a possibility to talk to clients like they were humans, everything was robotic business.

Partners and agents will all tell you how well they are doing financially, from their fun trips, weekend golf outings, and how great it is to drive a nice car. It is possible, but not without long days, hundreds of phone calls two days a week, and HOURS of driving, all on your dime, for little return in the first few months. 

Overall, working here was one of the worst experiences of my life. It will take a special person to be successful, work M-F 9am to 9pm if your goals aren't meant. The only truth spoken in the interview process was that there's a lot of rejection, and the job is difficult. None of these people have work/life balance. Sure, they have weekends, but they're working 70+ hours a week.

I am based out of the Traverse City office but am involved with all of our offices and can say with no doubt that this was the best decision I've ever made. I have been with the company from the beginning as an agent, I followed the clearly defined MDF sales process and found great success.  I had a previous career in restaurant management where I was the one stuck covering everyone's position that called off -- working sometimes 7 days a week with very few holidays off.  With MDF I found a place I could thrive and be very comfortable in my lifestyle without working every weekend and holiday.
The career is extremely rewarding.... If you follow the process and continue to learn and grow.  The ability to help people in retirement protect their estates while having unlimited earning potential is a win/win for me and my family. 
 If you are willing to study and put in the time there is no reason you can't be successful. The leadership is supportive and involved in your success. I would tell those who are on the edge of applying as long as you can follow direction and are willing to be fair and honest with your clients you can't fail. 

This job is exactly what I had expected, with a few caveats. You are told it's 50 hours a week, but that's closer to 60-70 with all of the driving added in. You are told, and it's even in the job posting, that for first year employees, there is a guaranteed income. Well, after a month of working, that's definitely not the case. The "guaranteed" income is going out with other sales agents and piggybacking off their sales. If they don't sell anything, you don't make any money. That is not "guaranteed". The turnover is insane, most agents you work with have been there maybe a week or two longer than you have, and ALL of them are struggling financially while the managers and up continue to claim it's easy money. I'm confident that for someone who does not have financial responsibilities going into this job, or a family to be around, then you will do very well here. However, for myself, waking up at 430am, leaving at 6am, and not getting home until 9-10pm, and not seeing a paycheck while I go through the "survival period", it's just not realistic. They truly are a great group of people willing to help you learn, but I can not recommend it for anyone who needs a reliable source of income, as there is a chance that you will not make any money.

Modern District Financial is an amazing place to work! It is truly the first place that I have worked that where everyone is out for each others and the clients best interest. Unlike most companies that have a "cut throat" business model, Modern District Financial is based upon bettering yourself and others you work with through synergy rather then dysfunction. I thoroughly enjoy coming to work each and every day to help better the community and ourselves. The root of MDF centers around the prestigious core values that employees and management are expected to uphold in every aspect of life inside and outside of work to benefit yourself personally and professionally. If you ever have any questions or want any help from any of the management staff they are very welcoming and forthcoming with giving you the tools you need to succeed in the business and meeting your professional goals. MDF strives for nothing short of excellence simply because that is what the client deserves.

If you're considering working with these guys, I recommend thinking twice. On the surface, it might seem like a great opportunity, but the reality is far from it. My experience was filled with daily disrespect from management—swearing, name-calling, and constant belittling, especially when sales numbers weren't met. The managers care just enough to keep you around, but their way of "motivating" is toxic and demoralizing.

They set unrealistic expectations and then shame you when you can't meet them. Expect to make phone calls for at least 9 hours daily, under constant pressure and scrutiny. It felt like they were actively trying to weed people out, rather than foster any sense of growth or support.

If you have no problem working in a high-stress, disrespectful environment where management operates without basic professionalism, this might be for you. But if you value a workplace where you're treated like a human being, look elsewhere.

It’s a 5-star opportunity only for those with 1-star values. Unfortunately, my experience here was defined by toxic leadership and a lack of respect.

Modern District Financial provides world class training from industry-leading professionals - a great opportunity for those with or without sales experience. The executive managers of the company have a combined 65 years of experience in the industry, providing a clear vision and dynamic culture. This company is ideal for those who have a good work ethic and like being part of a team. MDF provides fantastic upside income potential and opportunity for career advancement while helping the community. Agents average 50-60 hours per week, so would not be an ideal fit for those seeking 9:00-5:00 hours. The growing senior population in Northern Michigan is expected to generate exponential growth in the insurance and financial industry in years to come, so Modern District Financial is ideal for those looking for a successful long-term career.

I only worked here a short time (less than 2 months), but everything I learned and all the skills I gained were worth it. The only upsetting thing was that I had NO intentions on leaving. Wasn’t looking elsewhere or anything. Had no backup plan. I planned on busting butt and making the improvements to get to where I needed to be. And out of nowhere I was let go without a reason. I shook hands with my manager and the CFO and parted ways. But it would have been nice to know what I did wrong for future career searchings. This is an amazing place, but I do believe the management slacks when it comes to the true hard conversations. They’re fine with giving feedback all day every day which is great and so helpful and opens your eyes to so much. But can’t give you the reason they have to let you go.

We are a retiree focused firm. We help folks with the health insurance that goes alongside their Medicare. We also help them with their investments, retirement planning and life insurance. I’ve learned that many retirees struggle with this and it’s extremely rewarding to be able to help many of them on a daily basis. Our managers are amongst the top agents in the country that set the standard for a winning culture. The hardest part of the job is the initial process of learning the inner workings of Medicare and investing. Once you get past that point, it’s an extremely fun and rewarding working environment!

Top Job Titles	Average Salary
Management trainee 38 salaries reported	$67,500 per year
Sales representative 6 salaries reported	$87,500 per year
Recruiting specialist 3 salaries reported	$53,333 per year
Entry level sales representative 1 salary reported	$65,000 per year
Entry level retail sales associate 3 salaries reported	$55,000 per year

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