Just to add to the good broker.....as I was in insurance up to a few years ago is that a good broker is worth checking, but the broker can only do as much as they can with the companies they have.
If the broker only has a few companies to work with they will not be able to shop much and realistically that is not their fault. If you have a broker that reps several companies you will have more chance of getting a better option.
The company I was working for lost a few of their companies and hardly had anything to offer clients and many clients left for other brokers that had options.
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