Obviously, you have plenty of experience...more than me. You did great at $15k in a month...my hat's off to you...wish I had enough leads to do that too...but your post talks about your stress with application requirements. Just seems that you're using carriers that make it harder, not easier for you. I'm all about using the carrier that gets the client approved quickly/reliably, has really good UW, reasonably priced, and pays me well. I just haven't met any other pro FE agents who use Assurity, or MoO daily. You're the first.