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Hoosier, what range of response rates do you usually get with "Life Insurance" in the 1st sentence?
The other X factor is what is your Sample Size... You have to be committed to the mailing campaign. It is more accurate if you do 8,000 mailers over a month and average your returns opposed to just dropping 1000 pieces.
A baseball player can strike out his first time at bat but still go 4 for 5 and hit for the cycle for the game...
You should get a 1%, if you live any where other than KY, GA or AR...