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I just discovered Lafayette's 90% street contract myself. When I first saw 90% I thought "Oh, they must make it up on the renewals/trails" but nope, trails are lower, too. :-
Western Marketing will start at 100%. 2nd yr 8.4% and 7 % for years 3-10. I have written a few policies because of the smoker rates and smokeless tobacco rated as non tobacco. Had 1 claim 9 days from the end of the contestable period. Went fairly well, as well as other companies anyway.