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I attended an FMO recruiting and I was talking to other agents. I am trying to narrow down the better companies to deal with where the client gets a fair shake on the renewals and solid returns. One old timer suggested just use whole life with (I think) Lincoln where he said long-term his clients got 8%. Another fellow told me Life of SW UIL's had great long-term returns in the 8% range. One guy said Annexus stuff is the best for long term returns for the third or fourth bucket. Thanks for any suggestions. 
