1 - Industry integrity. I don't interfere with other agent's sales. While that may not hold true for most agents, it's a personal code of conduct of mine.
2 - Once an exam is performed, only that agency/company can use that exam's results.
If you get a preferred rating (which everyone wants), then why change to work with anyone else? They've got your preferred rating "in the bag".
If it comes back less than standard... let them figure out how to best help you get coverage.
, quotes are meaningless. Only offers from the insurance company matter.
That's the difference between working with an internet agency and an experienced agent.