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Your in Dallas? what office? I was with the Penn Life in Dallas.. They scammed me big time... RUN AWAY!!!
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Penn Life from my experinece says that they are Captive but Everyone has side appoitments as well. Honestly, I was independant. I had appoitments with Atnea, Lincoln, JHC, all on my own not throught Penn Life.
You might want to consider a new "call" name-- something more stealth...