I wanted to weigh in the facebook ads ~ I am an active FB user and insurance professional. There is no way I am clicking on a FB ad. First, there is the big virus problem that seems to plague nearly every link (real or imagined). Too many friends have been ‘hacked’ via FB. Second, I prefer a persona...

I would suggest a note of caution.... CA is pretty strict when it comes to fees. See Bulletin 80-6 which clearly states, " BROKERS WHO ARE APPOINTED AGENTS ARE ACTING AS AGENTS OF COMPANIES WHICH HAVE APPOINTED THEM ". Therefore you may not charge fees. This is not a personal / commercial ...

I think you may need some new carriers!
It is very common; I have drafted this form at two carriers for whom I have worked.