I use FEX Quotes and if the client is healthy I sell the lowest price. Don't usually add any riders. Well I wrote a 55FT $15,000 with MOO a couple of weeks ago and went back today and another agent had wrote her Columbian last week. He added ADB so she wanted to know how much it was to add it to her MOO policy. MOO cost $3.93 and Columbian cost $1.34 making them less expensive. Said she was going to keep both policies. I don't think she will. I didn't say anything negative because I sometimes sell Columbian. Hope the other agent does the same. Wish FEX quoted ADB.
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