I am looking to expand my marketing here in CA. I am interested in calling business owners like it has been mentioned here time and time again. This would allow me to shift away from crap shoot internet leads. After reading through all of these forums I have a couple of questions. I know some of you lke John call small business owners of 1-9 people to see about getting them insurance. What is the ratio of small group quotes vs individual apps? The reason I ask is because I dont have experience in the small goup area. Would it be worth it to telemerket and learn on the way while I close the individuals along the way or should I learn all about group health first before I decide to telemarket. Also I dont understand what the benefits are to using benefitmall type companies vs just quoting with the insurance companies directly, would someone mind sharing why it is so hard to just quote directly with the insurance companies?