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3 words that every agent needs to survive in this biz- Consistent Lead Flow.
Me trying to juggle mail drops & paying 400+/1000 (response rate here is. 8-1%) isn't worth another 15pts or so.
TDF
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If you are just doing FE than you might be better off as you say. We have found a better return cross-selling and using Med Supps as the lead-in, heck we don't even do direct mail any more we just cold call for Med Supps and cross sell the FE.
Much better ROI and our guys don't give up any points. I will say that this system doesn't work if you are strictly selling FE, much tougher cold calling for FE than Med Supp.