Sadly, SF agents are “captive”, meaning that they can not sell other lines, unless their company refuses to bid. This means that they have few “appointments” with other, outside insurers who are competitive and everyone knows they are biased toward their own company, instead of objectively searching the market.
For an agent, independence is a lot to give up for the SF “brand.”
Thanks, I know. I happen to be an independant agent representing several top companies.
Just recently I had a couple contact me who had applied for a LTC policy from SF. I was able to help them find a better plan with John Hancock that was less expensive.