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Did they lower the rates?
No . About the same rates as am am . I run 92% persistency with am am . I don’t have an issue as long as the pricing middle of the road . My friend gets some crazy stuff thru with American memorial . Actually I replace a ton of smokers with am am . I replaced a 1 month old Cuna and lifeshield smoker with am am because the agent oversold her and she wanted less coverage and wanted 1 policy and me to be her agent.