For those whom have sold or have heard other agents selling the Advantage Plus Plan (for the hospital indemnity and other bennies this product offers) what can you share? I've heard mixed about Continental and am shopping this company. Any good, bad, and indifferent you can share I would greatly appreciate. Also, how do the premium rates compare to Continental, if you know? Strict underwriting? I know Continental is strict with their underwriting and have heard GTL is a bit more flex. Do you agree? Are commissions advanced or as earned? Thank you in advance.