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I think you may be right. However, their paperwork tells me a few things about ownership of the book- that I do not quite understand fully.you have nothing to lose.. go for it.. for a new start up it is very,very hard to get going... i would not worry about first refusal, because they are giving you the opportunity to have something to refuse... i am sure you will make money..
My rule of thumb operating as an independent agent... ANY assertion of ownership, in the smallest degree, or ANY first right of refusal, both are deal breakers.
Look at it this way, if that's the only way you can do it NOW, then give yourself the extra month. The missed revenues from a single month will likely pale in comparison to being hamstrung by a bad deal. But I am cautious that way and want noone's fingers in my pie but my own.