While technically you might be correct that it's only illegal for the producer to rebate in most states, I highly doubt that insurance companies or regulators would be OK with anyone doing it. (The companies are mostly conflicted, because they like the sales, but I don't think they would like having to explain it to regulators).
Incorrect and I know of examples. Bestow, for instance, offered the first year premium back to customers (when they were still in the bus). MassMu has a program (
LifeBridge) that provides free life insurance to low income applicants.
This thread is full of your assertions and it really takes things off track. I'd be happy to discuss inside baseball in anotger thread, can we please keep it out of here?