Are there any drawbacks on using an i.m.l.? My old boss for trans-american just called and want me to start writing for them. I have an i.m.l. that offers 20% first year and 4% on renewal. But drawback is that he always got my policies placed. I was won the crt and was always top 5% with this company but to be honest... it wasn't me. He had the ability to get apps. placed that people from other companies couldn't believe. We had a friendship of 30 agents that would have a lunch meeting every thursday. Now this was about 7 companies. Guys would be amazed at what this guy could do. I know the benefit of of i.m.l. would be the leads. But trans has a dynamax policy that is gwl paying 4.25% that i was able to sell as a 20 pay. He still says it works that way.