The companies they recommended to me were Foresters and American Amicable both at 115% contracts, and Royal Neighbors and Monumental both at 105% if I'm remembering which company went with which contract %. They recommended at least two companies to make sure I could offer coverage from one or the other depending on what their health issues, etc. are. Their lead cost seemed very reasonable compared to what's out there. My experience with NAA was mortgage protection with a 55-60% contract and still having to pay for leads ! JD, I've just left a staff manager position at a local debit company after nearly 3 years because I simply couldn't take the constant turnover of agents. I'm just getting back into the mortgage protection market where my upline provide my leads for free in exchange for a lower contract of around 80-90%. I'm not really getting enough leads though to make a living at this point, and I would like to get into the FE or Senior Market to give me some daytime activity where I would like to eventually focus only on to get away from evening appointments. I've begun to call turning-65 lists for med-supplement but not having much success as most of them either have plans to get their coverage from someone they know, don't answer, no phone#, don't have their Medicare card yet, etc. What do you recommend regarding the quickest way to start getting some senior business going during the day, should I be trying to get leads for the FE market or do something else? The guy I got contracted with has been in the market for years and doesn't need leads, but has people calling him for Med Supplements, LTC, annuities, etc. Just looking for advice for getting some daytime business going....thanks!