Cross selling off your dm will make up for the increasing costs.
A couple of fe agents tried that on me last month trying to sell fe to my clients and cross selling mapd to replace mine .When I called client they said they were lied to . We 3 wayed to cancel the pending app and the client blurted out they tricked me " and just showed up" . The rep took a sec A complaint. Id never complain on another agent but client did . To boot we cancelled the fe app and I wrote her .
It's against compliance to sell life and mapd in same sit . Also door knocking prohibited with " any lead" card that leads to a mapd sale . Baseball I'd be explaining that to your agents and you for aep as all complaints are sent to cms next yr . Ive noticed when you 3 way to call a company to cancel an app the reps entice to take a complaint . The gold rush to recruit mapd agents is fever pitch as all recruiters want their pot of gold .