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I'm of the belief you don't have to have the lowest rates but just be in the top tier . I vaguely recall family benefit no longer allows replacement in Kentucky or doesn't do business there ? Jd in Kentucky if anyone agent clean sheets a 3 yr old policy he replaced . The client dies in 2 months the carrier must pay the claim as it can't contest ? That's a lot of liability for a low priced carrier we're a lot of their business is replacement.
Are you in Vegas?