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ABC what state are you located in? I may be able to help with the Colonial issue as I have a lot of contacts. Trust me when I say they want their brokers to be happy.
No thanks I have worked with a handful of different colonial reps. I have one now that is ok.
Your product is not competing with Alfac so I am unable to switch to colonial with most of my groups.
Please don't bother telling me how your LTD/STD is a better deal. The benefit is a bit richer but you still are coming in at the same price.
From a broker standpoint to switch out supplemental policies that cost the same just looks like churning.