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The only debit policies I haven't been able to replace our the agents that come back and lie to the client about what they have after they've faced some degree of competition.
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To some extent it depends on the urban area in question, IMO. And I'm not saying it doesn't work. I'm saying it's tougher on persistency, and a mistake to start new agents there. When the chargebacks start hitting within just a few months, they fail out. I know. I work there every day!Trying to say that independent final expense doesn't work in an urban area is just crazy talk.