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Yes. They used JH. I just wonder if they still do.
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What Bill means to say is John Hancock is not necessarily a competitively priced policy for your clients. Maybe you might be better off building a relationship with an indy agent that does all the work and you split the comp. you win, your clients win; and you can focus on P&C. Do you really need the LTC credit? If it is a distraction from your P&C production it is probably not worth it. Heck, I will pay you 40% FYC for LTC referrals and I will do all the work
"Management is probably paying HIM 40% to do all the work"
One word comes to mind,,,,BINGO!