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Thanks for the responses. A honest question. Is it better to be captive or contract with them and do direct mail leads?
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What product are you selling? I have lp95, lp65, dynamax and a few other polies with transamerica.
I don't understand the advantage of being captive with ANY company.
Slightly different products than you but ours are limited to FE life insurance. 10-year pay and pay to age 99. The captive products I've run into are priced higher than ours but it's possible if someone is in great health it could be lower. I've never seen a lower priced captive quote from Monumental though.