1. Charge high rates
2. Pay low commissions
3. Screw low paid agents out of their renewals when they inevitably leave in six months
4. Never, ever pay a contestable claim
5. Profit
LH doesn't pay "low" commission... The writing agents might be at a low rate but by the time you get to the top, the commission rate they pay out is about the same as everyone else. LH also doesn't keep the agents renewals. They are paid to the upline so the company is not benefiting directly from taking the renewals.