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Lafayette life and Columbus life offer great direct contracts and have good products.
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120+ contracts are out there.
Lincoln term 126%
ING Term 119%
Most North American Products 115%
Fidetliy 125%
MOO 130%
The list goes on. Anybody need info please send me a PM-- FYI, I am not an IMO, MGA or anything like that. I will just refer you to the group that I work with.