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Rick, I can offer you 40% with 2% renewals (2nd year only) on a D rated FE company that is brand new. They don't take diabetics or non smokers but the rates are right in that upper middle sweet spot.
Not only do I not offer leads but you need to give me 10 of your leads each week. They need to be prequalified with checking accounts and phone sellable. I don't want to have to "crank up the car."
The only way to make that offer better is a 2 year release clause.
Rick