combined is taking advantage of the ignorant and uneducated people, they contract them put them through training and then tell them that they can't sell anything else... so if they are able to sell Medicare they won't allow it .
the newly hired agents don't know any better so they stay with them and miss out on all the other money making opportunities with other lines of business... they LIE to them. They can't forbid them to sell other lines of business when there is no conflict of interest. they use scare tactics to keep them selling exclusively for them.
DON"T BE FOOLED BY ALL THE FREE TRAINING AND FLIGHTS TO CHICAGO... THEY JUST WANT TO ENSLAVE YOU!!!