Why do they need back up? I've found them to be more responsive to the members and agents.
I've written enough business over the years to form an educated opinion on what I prefer to offer to my clients.
There was a time when even I said that, all things being equal I would prefer to not write a fraternal. But all things are not equal and I have changed my mind on that anyway.
All things being equal today I would chose a fraternal first.
If someone doesn't agree with that then they can just not write fraternals.
PSSSHHHH... How are low producing agents going to make themselves feel like bigshots if they do THAT???!!