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Not a single thing wrong with Foresters nor Trans imo. Both are great companies within the FE arena. Are they the absolute lowest? No but neither is RNA, LBL, Americo, 5Star, Settlers, United Heritage, Aetna, GW, etc. In NC - Standard is my goto for lowest followed by FBL but once past those two we're talking within a few bucks all other carriers fall. So why worry over being replaced? I love reading your posts but you seem fixated with being replaced. I believe most of us attempt to go lowest every appointment but it's near impossible.
KSKJ, Grange, nor SNL are offered in my state.
You must have confused with someone else? I'm never worried about being replaced. If I've been replaced in the last several years I don't know about it.
I do a lot of replacing though. And a lot of that if Foresters and Trans.
But what we think of companies is purely opinion. I think Foresters sucks the big one. If that hurts your feelings then that's on you.
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If you want to get a really sarcastic about it you only have to worry about being replaced for the first nine months!
Why is that? If I got replaced on a 5 year old policy I would go see about it.