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What do you mean by paid apps? Also what is fe carrier?
Crusty old dudes make the best mentors!
You mentioned that you have been working on a business plan for the last couple weeks. Are you also selling insurance? Business plans are pretty but do not pay the bills.
FE is Final Expense Whole Life insurance. It is what I get most of my referrals on from your area.
Anyway, If I can be of any help let me know. I really suggest you hit up Nick Perry at the ILIAA@ORG He is a great guy and he has some really good info on the site. I would also plug into agentnavigator.com Both offer free webinars. I have been doing this a while and I still hit one or two a week.
Good luck,
Lee