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I was going off the rate sheet from the carrier Frank, they updated their rate sheet 5 days after the applications were signed, then are trying to retroactively apply the new rates to the applications they had already received, with first months premium check.
I didn't take the rates off a quote engine, I got them from the published rate sheet off the agent website. I always confirm the rates through the carrier before I take applications.
You are correct, that ain't right.