Here's my take on telesales working leads whether fe or mapd . The agents are overall nothing but 9-5 hamsters on a wheel . Some making a living wage and most failing . The only ones making the mega books are the ones providing the leads or the imo overriding . High vol leads are 95% low income people . Easy to sell but hard to keep on the books . To stay on the books requires face to face to get some loyalty . Those are facts .