Experienced FE Agents and Replacements

I have never sold a FE policy so I am not judging but am curious...

Are there any experienced FE agents who earn a decent living without relying on replacements? I am not talking about replacing the way overpriced stuff out there or the AARP term. But replacing some of the so called "go to companies" that are mentioned here on the forum.

What approximate percentage of your business is writing a new policy without replacing versus writing a replacement?

On average what percentage of DM leads already have a policy?

And finally, do you think it is in the policyholder's best interest
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