They have not found a distributer to sell their own products!! How are they going to make money selling other companies products. They will be lucky to net 2% of any premium sold and in the advisor arena like ED Jones they don't sell a whole lot of life insurance. If they made a million bucks annually from this relationship that would be huge. BUT far from any amount to save this company. 4th quater is looking even worse than 3rd, look out.