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. Agents who are only worried about going in a home and thinking about commissions or only want to make sales are idiots do what is best for the client and not worried about replacing business. With 42 years in the business I must have replaced 3 or 4 policy's in all those years. With a 150,000.00 a year income I really don't worry about sale sale sale it's mostly renewals. But the agents who love to replace business or tell a person that company don't pay their claims or their expensive are a bunch of Osama Bin Laden lovers.Not according to them, remember 2-3 of them came on here & said "they dont replace polices"!!