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Shooting from the hip here, but I heard of an IMO selling RNA that was using a "free" Dental lead card that was touting $10 leads......but I thought they were out of Dallas. High returns but you have to explain to them that the "free" dental was only if you bought a FE plan with RNA.

That sounds mighty close to being an "inducement" which is illegal in Tennessee.
 
Also was looking at Standard Life & Accident, what you think? You LH guys are the experts, what direction should I go? I really appreciate you taking the time out and reading this.


Thanks Again guys.

I use Standard Life for Med Supps. Very good and easy to work with. As far as Life, they don't have graded DB in my state. Just Standard or Substandard rates. I believe diabetes of any kind puts you in sub-standard...

Foresters has easier UW and better rates all the way around...
 
Most FE agents would take a 25% contract with free leads because they are going to take your leads and write them on their 110% contract they have elsewhere anyway.
 
We like Baltimore Life because of the phone app system and their rates and commission are good.

There has been some good advice about the $10 lead program. When you run the numbers, it should cause concern. They wont be in business long.
 
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