Newly Licensed: Should I Sell Final Expense, or Medicare Advantage?

Hi,



I'm newly licensed in life/health, and am having trouble deciding what to do. On one hand, I'm looking at selling FE for Lincoln Heritage. The territory (IL) is relatively new for them, and apparently the market is only 30% saturated.



They use direct mail marketing, where the prospect sends a postcard saying they want to find out more information, and I would be going to their door to explain it.



Leads are $36 each, 80% commission, 75% advanced to start.



On the other hand, a friend who is a longtime broker is encouraging me to sell the medicare advantage product.



I curr

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