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I'm getting less than 30% on term and less than 60% on WL
I am independent and Penn is my go-to life carrier.
Penn has a career agency system, and a completely seperate Independent channel. So for guys who want the career agency culture they can go to a Penn General Agency, and for established independent producers/finanicial advisors you can do business through the independent channel.
If you're ready for the independent route Penn has a great line-up of products.