More Money or Easier To Deal With

Guess this is one of those all depends questions. I get more money with TA, probably 10-15 points higher, but I like to write SNL because they are easy to do business with. If someone NSF's it is much easier to deal with as opposed to Trans. Trans has there good points though, no ht/wt chart, no listing of meds, and take more people level coverage. It makes me wonder with the heavy hitters that write a lot with SNL, do they write people graded that would get level elsewhere? So what do most agents do?
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