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Do you get very many replacements? I go to a lower priced carrier for GI just because that's who I have for GI. If Settlers didn't have a percentage limit on Bronze, I might take more cases there. The higher rate modified plans don't usually hurt you with chargebacks as much as the lower priced companies. Plus they often pay renewal commissions.Though lower rate companies offer less in commissions the idea is to make it up in more sales. 2 sales at 100% commission is better Than 1 at 125% and the stick rate should be better on the lower rates since it is not as easily replaceable.