I have been in the insurance biz for 34 years, 14 year agent, 20 year wholesaling and training. Every gray hair I have has been earned in this biz. I am new to this forum and have only commented a few times, but know I have a question. I see that many of you are in the final expense market, med supplements, etc. Why? I do not see many posts on the everyday term market. I ask this question "why not sell term to replace income to the middle market?" I would think that an agent that is contracted with the top term carriers and who can spreadsheet (VitalTerm, etc) would do well in this market. T
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