Anybody Know of an IMO That Offers Lafayette...

I just discovered Lafayette's 90% street contract myself. When I first saw 90% I thought "Oh, they must make it up on the renewals/trails" but nope, trails are lower, too. :-

Western Marketing will start at 100%. 2nd yr 8.4% and 7 % for years 3-10. I have written a few policies because of the smoker rates and smokeless tobacco rated as non tobacco. Had 1 claim 9 days from the end of the contestable period. Went fairly well, as well as other companies anyway.
 
They have volume bonuses if you write a lot with them.

Yeah, just talked with them about contracting direct. Their bonuses are great if you do good volume.

Even without bonuses, direct, their renewals are quite a bit better than what I saw in the FMO channel.

And thanks, Ken, for the heads-up on Western Marketing.
 
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