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You Can't.I don't see how I could guarantee that they stay insured for 12 months. Is there a way around this?
There are so many reasons for people to leave you its crazy, sell their house, move out of state, get married/divorced, someone dies, insurer nonrenewals, etc. I would say on average the vast majority of defections I see are something that is totally out of my control. For captive agencies a big part of the problem is the pricing and the inability to shop it around, some clients will just get sick of it and find an independent.
I too believe that this Allstate person is being... too hard on it. I would consider looking around. I think charging you for commissons not earned that is fine, but for earned commissions, hum...