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I sell LH exclusively. Door to door. Weather permitting. If it's under 50 degrees at ten in the morning, I stay inside. I am a Californian y'know. I write 150-200 apps a year. Every morning I'm in the field. I've had appointments over the years with Forethought (good until the funeral guys were sold to the insurance guys), Great Western of Ogden UT (good funeral people). I've found LH home office staff friendly and helpful. Jack Londen taught me a very important lesson in sales management when he called me one morning and told me what I needed to be successful, told me they would be watching me and praying for me. He reached down into the food chain that far to encourage me. How you gonna beat that? I've been selling this stuff at the kitchen table for thirty two years starting with Pru and I think LH is terrific.
Where abouts in California are you working?