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Because we're in the FE forum, I answered based on when I first saw DM being used for FE as it is today. On reflection, I can remember my first run at life insurance in 1984 before the term FE was ever used, a lot of the companies were using direct mail with response cards, although it was usually self-generated by agents doing their own mailings off of lists. It was also usually geared to mortgage protection or touting low term rates.