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Lol you think an agent will lose his license just because you think his replacement had no merit? 50% of fe business is replacement and I bet every agent doing the replacement thinks the previous policy is unethical and wrong. Again many fe clients are un educated and easily manipulated by whoever the agent in the house that day is.
I have the clients go after the company if I can follow the referrals even better. I cause as much grief as I can for predator salesmen.
Because the FE market is so uneducated and easily manipulated is why some salesmen pick the market.