Underwriting has been fair. I can't really argue with most of the offers we get. When I need some help they've been good at giving me some concessions and lateley even more because we've gotten to have a good relationship with our underwriter and the managers. I have an decent sized general agency so the $150k number isn't that big of a hurdle because my guys like them and they are now getting the vast majority of our business but I would write them for less comp because they turn apps around fast and the service is second to none. I've gotten spoiled so that when I have to call a company and get put into a phone queue or into some electronic system I make a mental note that this company costs me money. I hate it. I call MNL and I get some woman with a Fargo like accent on the other end. I love that. Perm prodcucts are good, term was just repriced so it's not too bad and even really good for some ages and ratings. The one thing I will say is that MNL is really tight on any sort of grey area insurance sales. They are conservative when it comes to marketing gimmicks, sales systems. seminars etc. Won't do the Tax code number sales like 419, 412i etc. They're privately held/ESOP owned and they do what they do very well. They are affiliated with North American but I stopped doing business with them because it is a brokerage insurance company. I don't get the service and I get the same products and for me better comp.