I've written a lot of business with SOFN both the simplified and GI. They are more than competitive on their rates. I've also written a lot of business wit Foresters, RNA, Transamerica, and many others. I've been satisfied with the results that they provide. Yes SOFN only pays 90 and the others between 125 and 140. But I've gained so given so many clients much more coverage for the $$ than many other carriers. I'm sad to see the GI gone but SOFN has helped me and many of my clients.
