So with UHL, an agent might actually have to "earn" the bigger contract!
Now that is an ingenious concept.
You could assume that..... However, it is more of a way at keeping IMO's from pouching agents based on a bidding war.
It costs a company money when that happens in the long run and that is why you see the practice with many companies.
Foresters is the best example, they use it too plus the 3 IMO and done rule.
MOO uses the 6+6 month rule on certain products other than the Living Promise-FE plan.