Hi, I'm Bob Bland, founder and CEO of LifeQuotes.com. Thanks for your post that shares your experience in obtaining a Work-from-Home life insurance contract from us. As you know, the numerous tests and interviews are because our 35 life insurance companies and the state insurance departments are very, very picky about who they will appoint as agents in terms of credit history, credit rating and financial background. We never want to see a work-from-home agent invest time or money and then not have our life companies appoint you. So, the quick high school reading and writing test is to make sure you can communicate clearly. Sadly, 70% of applicants fail those tests. On the Negotiation front we have a published commission payout schedule that is given to all and fair to all. It would not be right for us to cut special deals or pay differently for the same work. Thanks for being a work-from-home agent who is free to work your own days and hours and I hope you are achieving your income goals with us. We now have about 60 such agents.