Part Time Independent

Hello,
I am an independent part timer with a captive audience (family/close friends) clientele that has been with me for the last 22 years. I am currently looking for an IMO that carries solid mutual companies such as Mass Mutual, Guardian, New York Life, Northwestern (not sure if these last two only do captive). My goal is to write some whole life policies with the idea to use it as a bank in 15 to 20 years from now. Most of my clients are in their 50 - 60. I think this will still work for the 50 year olds - not sure about 60 yr olds as it may be too late to let the money grow (they would b
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