Not sure if competitive rates are key. Certainly there is nothing wrong with competitive rates. I thought of Lincoln Heritage and Troy Miles in PA. They are doing over a million a month in one state.
When picking a primary carrier, you need predictability. A carrier that has great agent customer service. One that pays commissions daily and even has advance on issue. One who's goal is to get your business issued and get you paid!
Lead program/Lead Financing
0-85 issue ages. No reduction in commission for ages 81-85
Renewals
Vesting from day one.
No PHI
Draft 1st Payment up to 40 days from app date
Draft Options for every 2nd, 3rd and 4th Wednesday of the month
Simple Application
Liberal Underwriting
Incentive Trips
No PHI and so much more. This would be United Heritage! Great Company Great People! They are my primary. If anyone needs a contract call me 210-771-3754.
I understand the idea of having something for everyone...but we don't sell everyone. So as long as your primary carrier takes at least 95% of your business your good.
The only problem with LH is that their rates are typically over 50 percent higher than your more common FE companies.