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We have a benefit in California in that our clients can move from one Medicare carrier to another on a guaranteed issue basis once a year.We need to concern ourselves with the history of rate increases with the companies we do recommend...unless you want to re-write every year. Then you may get your contract cancelled permanently by these co's because of replacement. Get it?
But i'm not going to worry..FYC is where it's at. Renewals are a surprise.