We are independent agents that represent many different companies that offer different products and services.
As independent agents we have complete liberty to search and select the products that best fits your needs instead of trying to use a one size fits all approach to designing your program. These companies pay us a commission to design and sell their products, so we do not charge fees for this. We also are happy to assist you with correspondence with the companies free of charge.
The bottom line is companies pay commission to their agents that design and sell their products.