Life or Health? Both. Do not limit yourself to one or the other.
NAA, ACA, or U&IWin? NAA, if you want to go broke and make others rich. ACA is the better choice. But again, do not limit yourself to "just" doing business with a single
IMO. I have an ACA affiliation, at this point, but I do not limit my business to ACA. I have other contracts with other carriers and
MGA's that I use for a totally independent side of business. There is an old saying about "not putting all of your eggs in one basket." There is also a verse in the Old Testament about the wisdom of diversification, because you don't know what evil will happen and where it will happen.