News & Insights
For Agents
For licensed producers: what independent contracting changes, the arithmetic of buying your own leads, and what a fact-finder is really collecting.
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Independent versus captive, in plain terms
Independent distribution passed affiliated agents in 1999 and held 53% of new individual life premium by 2023. The reason is what happens when a case does not fit one carrier’s guidelines.
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For agents: the math of paying for your own leads
Only about 15% of new agents are still in the business after four years. Run the arithmetic on self-funded leads and the reason stops being a mystery.
Talk it through with an agent.
If something here raised a question about your own coverage, an agent will answer it without turning it into an appointment.
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