Even if that was the case with Gerber...then it wouldn't matter whether it be advanced or PAE. My point to him was simply most agents(and they all tell me) they don't care to write Gerber because they PAE. They would rather get advanced and take the chance of a chargeback.
So it works out either way if the agent gets advanced or PAE and get chargedback the same way...why not take the advance then?
I don't have an answer for you on AIG as fact. We have been writing them since they came out and only have had about 6 chargebacks in our entire agency. They typically happen on 1st payment.
BUT...thats all bank draft. I don't allow anyone under my umbrella to sell direct express or CC with them or any of my carriers.
Look as first post on this thread..