I've worked at a captive company for a few years. Although P&C is a large part of what's sold, L&H has the largest profit margin. At this particular company, if a producer is selling P&C like crazy but is unable to close a L&H deal, they get fired. It all comes down to profit. L&...

A dental plan is more like a benefit plan. You have X dollars the plan will cover in a year and you are to pay the rest. It can almost be viewed like a purchased coupon or gift certificate.