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Definitely some great advice. I guess the reason why I haven't signed on with EZLife is because I usually complete low-touch apps (ie: get everything signed upfront - app, Kaiser releases, special auths, etc.). I always ask the client who their PCP is and then check the PCP's website in order to see if there's a special auth required to pull an APS.
I will say, to not have to do anything else other than completing a 1pg app, is pretty nice, but I usually submit the full app with special auth and don't really have to f/u with the client too much, other than for little requirements, if any. Because I only write about 5-10 cases a month, the around 20-30% comp differential (I'm in the 100-115% range) that I'd be losing doesn't really justify it for me. That may change, but at this point, I'm looking for as much comp as I can get.
Lastly, I have a good friend who is in the biz and deals mostly with life settlements. He used to write a TON in AP, and make a lot of money, back in the 2000-2008 era. He has a broker back East, where he gets about 130-140% with almost every carrier - He even sent me over the grid. I think he gets these levels, as his lifelong friend owns the brokerage and doesn't even require him to have any production requirements.. Pretty crazy stuff.
Sounds like you have it dialed in pretty well.
are you mostly F2F or phone?