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Not at all. I'm independent and have been licensed with several companies through them. It's nice when you have someone to call with questions about product or you need to order supplies. They also process your apps and run hypotheticals for you. There are many times I've used their expertise on big cases. Also, you are vested from day one.
Has anyone there ever actually sold a policy? I'm not sure they are at expert level. Good clerical staff maybe.
Vested on day one is a MINIMUM requirement of any FMO.