Strange that BOL and LowVig don't allow transfers, transfers are treated like withdrawals, including any fees that would be incurred. BOL has many things that Low Vig does not carry, Oddly enough, they send me marketing from both and when I spoke to a salesmen, he said not only they don't care if you have both, you could be a big winner in one and if your losing in the other you can still get bonuses. This was a few years ago, so YMMV.