If you aren't getting above street contract you are a sucker plain and simple
Plenty of people and organizations on and off this forum who can accommodate.
Examole. A lot of the major players who are in final expense on. This forum may offer 120 or 125 with Mutual of Omaha. However many people can easily get 130 or 135 with no proof of production.
All about knowing where to place contracts
You always say there are places that do this, yet you never name any. Why don't you go ahead and throw out a few names for us if you know so much?