At one time that was not a good thing in this area. I contracted with MOO in 1977. Attended their training school in Miami. At that time, their lead product was a blue collar DI plan. Came back worked two weeks and then returned my supplies to the GA.. Seemed like everyone I spoke with had either had a claim denied or their Brother-in-law had a claim denied or their brother-in-law's brother had a claim denied. True, everybody had heard of them but none of what they had heard was good.I'm getting more and more agents using them for this very reason.