So, I just spent around a total of 20 hours, back and forth with underwriters, 6 appointment with client, 1 lengthy application, follow up appointments for underwriting reminders and client was declined. I had to do in time contracting as well as renew a license just to get this case processed... -20 hours (At least) -$175 Fee No money from the Insurance Company. You see why Insurance Agents want to sell you something? It's a volume game, not a consulting game. Which one is working for you?