What Companies Should An Independent Agent Go Direct With?

I see that Oxford Life gives anyone a 120% contract. For an agent that doesn't really need much support there really isn't a reason to go through an IMO and give up a piece of your commission unless there are free or subsidized leads in the equation. Right?

I understand that many companies won't allow an individual producer to get a direct contract because the minimum AP requirements can't be met. My question is....outside of Oxford Life what are other companies that an independent agent should contract with direct?
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