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We suggest doing a direct mail drop, then follow up with phone calls. This has been very effective for us. We had a client Tim P. in CA who did that with us and wrote $34,000 AP in 2 weeks. He wrote his results here on the forum under I think, " Solid marketing platform for lead generation" This is why we started a direct mail company also. It is very effective to use direct mail then follow up with calls. It is not a cold call anymore. Meaning, they have something to relate the call to. Very effective!