We believe in transparency to the purchaser when it comes to compensation. One can draw the analogy of life insurance financial consultants. They should generally be receiving compensation through fees or commissions, but not both. We earn our fees through our contractual relationship with ERC. We do not load in (and never have) any compensation for transplant networks or other managed care services offered as part of the reinsurance coverage claim reimbursement. You may inquire if other managing underwriters have any such hidden managed care service fees or if brokers have any contingent commission arrangements on your funds. You have the right to know because it's your money!