Medicare guy here, very little FE-- I do it as a service AND to keep clients from having a reason to talk to anyone else Been using SNL for some years, but the agent service doesnt work for me. I DO like SNL SIMPLE PAPER apps and decent rates and like to find another "general" FE carrier with same Also have Gerber for GI--lousy commission but others Ive looked into are too hard to work with. Not interested in doing electronic apps. At all. Suggest a replacement please?