We are primarily a P & C agency who writes 60-80 life apps/year as accomodations for existing clients. Or you may refer to it as cherry picking those with expendable income and few objections !! However, we have come up against several situations recently where we have lost out on business due to competitive concerns. We currently use only one fairly small life company that is owned by one of our P & C companies and are considering licensing with Crump to gain access to other carriers. Wondering if there are any concerns I may be missing ??