I am associated with an MGA that has a life and health side. The life side is, you guessed right, non-med mortgage life using Americo. I am associated with the health side. Some agents have been there up to 9 years and are pulling down serious loot. The flavor of the day is Assurant and World. When I went through their product/sales training the manager, with 20 years in the business, stated that BCBS (whom they probably don't use due to the commission/advance structure) can, at will, both raise rates and cancel a policy on an individual basis due to usage. I afterwards informed the manager that was not correct. He thanked me. Well, they hired a few new agents and sure enough one told me wow, did you know that BCBS can do this and that. The same wrong information! I kept quiet. They train agents to replace BCBS using that info. This type of situation wrecks my head and diminishes my enthusiasm for this business. By the way, I'm in Arizona.