My captive agency contracts with only two FE carriers. Foresters and Equitable. How competitive are these carriers. So far I've written only Foresters. Are you FE guys going to come in right after me and replace these carriers? I really try to build value by talking about the "fraternal benefits" that Foresters provides to policyholders. Do you think that gives them it a little bit of an competitive edge instead of just being another commodity FE product where only price wins?
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