The 3 people I know there are extremely happy, decent payout, hands off mgmt and the ability to focus on whatever biz mix you want.

JMS is a company in transition. Management keeps cutting payouts to keep their bosses at Penn Mutual happy. Local management is extremely inconsistant. I know of three producers who quit because of the BS. One walked out on a long term deal in year two. Enough is enough.

I know about a dozen current JMS brokers. None is happy. I'd pass on them for now.

I know a few in the NE who bailed PRUSec/Wachovia for Janney. Will ask them and get back to you in a day or two.