Long time member but haven't posted anything in a long time. I'm trying to expand my business to the health insurance realm and was trying to think of ways to get in front of people that will refer their health business to me for a split. I've approached captive agencies like Allstate, etc but also wanted to expand to FAs. So my question is two fold. First who do you usually approach to get referrals, and secondly, if you are the one being approached, how do you decide if you will refer business to this person?