As an FYI to this conversation, there is absolutely no reason to go through an IMO or BGA to access Penn Mutual's product line-up....unless however they're willing to give you 95% payout or higher on all life products....don't hold your breath for this one.
Penn does business directly with agents through their IFN directors in your given region. The IFN directors "street comp" with FYC and expense allowance is 90%.
