Hey everybody. Just wanted to see what everyone's experiences and views are on the topic. I've read a few of the other threads and it seems (from what I've read so far) that a good majority of the posters have a bad taste in their mouth on preset appointments. Is this correct ? Is there really such a thing as a company or shop that can actually set up a qualified or remotely decent appointment ? (Referring to final expense or maybe mortgage protection, not annuities.) It just seems like it would be more effort trying to find an honest operation rather than setting one up yourself. I know that there is an impressive gathering of experienced professionals on this forum so please be kind and share. Thank you!