Federal Employee Benefits Options

Hello,

I have a life and health agency and I could use some guidance on
the best options for working the FEB market. Do I research to find the best FMO or do I contract directly with the carriers.

One Life America Federal Division seems to contract with brokers who contract with other brokers who then attempt to aggressively put you in their downline and ask you to sign your rights away by "locking" you up.

One life says they have exclusive territories,provide leads, training and software that "virtually sells the prospect for you" and I can appreciate the sales copy. What concer
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