Aside from the captives like State Farm, Allstate; you can consider looking at getting a few quotes from an independent broker who has access to the insurance companies I mentioned.  

If I am offering a free class, then it is probably in order to get a captive audience to show them what I could teach them and excite them about what it could be like to work with me and the money that they could earn, and then I would let them know how much that would cost them so that I could earn money for teaching them. 

Also, you might steer away from the captives, Good Hands, Good Neighbor, Quackquack, etc...

As a result, most manufactured housing land-lease communities that finance what they sell have their own related/captive finance company to handle the purchase financing.

The news doesn't exist to tell us what's normal, they want to captivate our attention, and that they have.

If you need something faster, I guess I'd say focus on finding an independent agency who can approach all markets rather than a captive agent like one at Farmers, State Farm, or All State.

Captive agencies like farmers, State Farm or USAA usually just focus on home, auto and small businesses.

This includes US corporations, certain foreign corporations (not all foreign, consult with tax advisor), and captive insurance companies (when structured correctly).

Roger - Try reading this and other threads posted here first:http://www.biggerpockets.com/forums/30/topics/74992-doing-lonnie-deals-and-the-safe-actIn Florida if you are going to lend money, you, or an employee, must have an MLO and the MLO must be employed by a licensed lender (most likely a captive finance company you create) and the lender must be state and federally compliant with a variety of laws that relate to lending.That means creating and implementing a Compliance Management System.

It appears that at Sandy Hook, the attacker came in blazing, that is not always the case, in most cases an armed intruder first takes control of the room, segregates threats and has some dialog with captives, historically that is the usual senario, but not always.