Hi Mike.

Thanks for your compliment and questions. There’s a lot to unpack here. It sounds like you have an agent already. My first encouragement would be to raise your case-specific questions to him/her as he/she will have the best and most complete information about you, your policy, and your company.

Secondly, I am happy to discuss the spirit of your question more generally and especially what I believe to be the “IBC" view (or at least my interpretation). However, there is too much here to unpack in a comment. If you’d like to talk over the phone, as would be best for this topic, please feel free to fill out the form (on the left) at the bottom of my website at www.griggscapitalstrategies.com. That way, I can offer the most specific, customized answers and reduce miscommunication. I look forward to chatting.

Have an excellent rest of the week!

RG