AHCP

they will give me 20% direct, but no advances. im working on converting to the senior market and want to get advances on my underage in case i need them. i am coming out of a captive company and will lose my renewals (vesting is 20 years) so just want them as a back up for cash flow.
 
You can get to 24% with something like 18 apps.

Advances are just a loan, and one that comes with a high price and a lot of strings.
 
I'd say a lot of small biz owners take a loan to start out.

Then take out a loan, take an extra job, etc.

If you take advances, don't make the cut, you still owe the money.

With advances, the GA owns you and your block. Makes no sense.
 
If you write good business you won't have to worry about chargebacks. It's only feels like a loan for agents that write bad business and have alot of chargebacks. I hardly ever have chargebacks.
 
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