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As my moniker suggest I am new & from Utah. I am in the process of getting my license. My friend just signed up through SFG, and I became intrigued. I started studying for my license. Insomnia has gotten the best of me, and I decided to try to do some reasearch. I found this forum, and have spent the last few hours reading it. I am so glad I did. I am no longer interested in SFG. I am still interested in FE, Medicare, and possibly MP. It sounds like there are lots of IMO possibilities out there. Almost overwhelmingly so. I would love to hear any advice, that anyone would want to share. TIA!