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Not necessarily... Some companies will trade of lower first year for higher renewals.. Settlers is one that does.. So does National Security..
Settlers pays 120% first year with awesome 8.5% renewals - 2 thru 10 - no shave. Assurity pays 110% with 14% renewals 2 - 5 and 7.5% years 5 thru 10 . .
The 100% to 115% contracts on both of those have lower renewals - so, like I said - higher the contract the better the renewals . . .