I think for agents with big books block out the noise and work your clients 70% of aep . The other 30% work referrals. Every body is shouting " with disruption comes opportunity " . Most of those clients won't feel disruption until 1/25 . So technically many clients might stay put as usual during aep then when they feel the massive changes first hand will be scrambling . Oep is when you can build your book hard .In years past I've moved less than 5% of my book as people have been happy and stayed put