Everyone feel free to chime in but I know for sure Newby is an expert on this question. I was asked the other day by a relative if someone is working for a "funeral home" selling their plans, do they have to remain captive to that funeral home. In other words if I take a job with xyz funeral home, can I also sell MOO,AIG,Royal Neighbors, Life Insurance plans If I develop MYown leads that have nothing to do with the funeral home?