Just so you know, that was tongue in cheekThey're lying. I worked in the Medicare Supplements which was started last year. They promise you the world but their system never runs smooth. The calls are all inbound but 99.9% junk. They are forever moving the goal post. The team leader that I had is terrible and you seldom make the money as they only pay you 1st months premium, No residuels. If you sell any other carrier beside Lumico the pay you only 75% of 1st month premium. For me as an experience agent, it was a waste of time.