I am a new Farmers Agency owner (scratch) looking to build my business. I received live transfers that the people did not want insurance. Smart Financial reaches out to people, get's them on the phone and live transfer them to you. They charge 65.00 per lead even though the people had no interest in getting insurance. Weather it was home, auto or Medicare. I wish I could post some of the calls I have recorded. And yes Farmers Agents beware. They attach your folio and it is not possible to block them like you could if it were a bank. I had to dispute the charges from my credit card on file. I am now at the point of contacting my lawyer, giving bad reviews, everywhere I can. They are literally are stealing from me. I did not get one bit of business from them. Farmers backs them but the leads they send are nothing you can write in Farmers, or Kraft Lake. This is really the worse lead gen company because they have access to your MONEY. This is no different them breaking into your bank account, you would prosecute that person and I intend to prosecute them. BEWARE...