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Is the final expense product the captive agents sell priced higher than the broker's version?
I had an appointment yesterday with a man that met with two MonLife agents the day before. They quoted him $5,000 and $10,000. they left their quote sheet.
I also quoted Monumental first at smoker rates (I wanted to make certain they quoted smoker rates) their rates were a few dollars higher.
Why are the captive agents priced higher? They didn't stand a chance of making the sale once he met me.