On Thu, 24 Jun 2004 20:20:54 -0500, "Mike F."
wrote:

I just got a letter last week from AOPA's Insurance department saying they
could not give me a competitive quote for insurance because my current
agent, Falcon, used the same underwriter.


You said it right. The Underwriter determines the qute, not the
Agent. Agents only sell what underwriters formulate. Falcon and AOPA
are Agents.

HTH.
z