Metlife/ MassMutual Leads

There is a list of approved vendors you can use. They reimburse you out of your marketing funds so I haven't ever had to come out of pocket for leads.
 
In-house leads are the best (Tier 1 and 2). But you need to be productive and be pretty far up the grid to secure them.

There are also several other methods of securing solid leads. If you play your cards right, you won't have to do much prospecting.

But oh how I miss those EARS leads from the early 80s!
 
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