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So what do agents do that are in urban areas? Not write any business?
There may be less of a subsidy, but MA plans aren't going away totally. Too much political backlash! Seniors vote like mad...
Not all marketing is created equal. Many people conclude that various marketing methods "don't work", when the reality is that their marketing is stinky! (not saying this is the case with yours)
For one thing, many of our seniors here in FL are part-time residents and go north for the summer. That's a huge difference. Trying to market to them in the summer months is an exercise in futility - they're not here!
Not sure there's anything to doubt. I started it with no pre-conceived notions - the results, as they say, "are what they are".
I think you may be (well not you, but results!) atypical. If you've got the luxury of a big, mature book such as you do, it's a lot easier. Not all of us have that advantage however, and are starting from a different, more competitive place.
In terms of measuring your marketing, there is nothing more critical to success. Without it, there is no way to test, measure, adjust...and improve it!
PS-I love YIO. I'm a big fan!
Thanks for the kind words about YIO.
This really isn't the best place, because one has to type as opposed to speaking, to really discuss this subject. It is too involved and there are too many variables.
I look forward to being able to talk to you over the phone about this as opposed to just typing.