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Wow didn't know that was possible or legal, Is heartland the only one doing this now?
I have them just never felt a reason to sell them glad I have not
Heartland's the only one I know of. I've had them for several years and haven't used them for 3-4 years. They filled a couple of niches at one time. I wouldn't use their certificate and as a result, they termed me for lack of production...boo hoo.
All of their other products are just copies of Equitable products.