Hi, I have a client who is looking for some Whole Life. Who can I get contracted with directly without using a IMO that has reasonable price on a whole life policy with decent commissions? Second question is: My client wants $50,000 policy and she wants to spend about $50 a month on it. Some quotes that I came across were about $75 to $90 a month for a $50,000 whole life policy? That seems a bit high to me. Is that normal pricing? Any help or suggestions will be appreciated! Thanks!