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As Ive said before-my prospects do NOT act like the prospects described here. Nor do my clients or my carriers. So what I read here I know is generally not going to work in my area
I guarantee there's someone in your area selling FE just the way it's described here.
I know one agent very well that works your area and he's one of the top agents with FEX.
I know of several others from meeting them on company trips.