Boman was part owner of efes . Efes has it had a big call center . He said that what telesales people aren’t selling you is how few policy’s go active . I was shocked . He said efes’s place rate was #1 or 2 with several carriers yet they only had around 50% placement rate . What that means is only 1 out of 2 policy’s that were issued even drafted the first draft . Means for 1 reason or another the client cancelled it before it drafted 1 time . Means the agent was sitting on huge chargebacks . So persistency of 80% like many outfits brag about don’t mean squat if 1/2 the business you write never drafts . Maybe jd was right about telesales .