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I hear what you are saying Mark.
However, there is a gap between a new agent that needs a lot of hand holding and some one that has been in this a while and does his own case management, does his own quotes, orders his own supples. Once in a while, I need/want a short cut to a solution. But I can just ask someone. Much Like our conversation on SPWL. Thanks, by the way.
One reason why companies use IMO's is because we absorb most of these debit balances.
We have to give out higher contracts and also pay off these debit balances.
I just had 1 agents stick me with a 18k debit balance.
we are just left with brand new agents that end up with hugh debit balances.
There's an easy fix for debit balances. It's called "as-earned".
This reminds me of Progressive Car Ins Company. They figured out a way to cut the agents out of the middle. Most people just go direct to the website and save 20% vs using an agent.