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Simple - because 20 minute is not enough time or proof for them to believe that you are the best fit to be their insurance agent/broker. Some folks think picking an agent is more based on intelligence, experience than kindredship.I don't understand how someone wouldn't sign a single piece of paper to support their cousin's business after wasting 20+ minutes of his time answering questions and letting them quote you.
In addition - from the way it sounds like you are going about this - asking for cousins to quote out- you are making yourself seem like a new agent.
I think you are showing a tremendous amount of effort - which is good. Go cut your teeth on the real market out there. There are literally millions of businesses and consumers out there that need better insurance advice. Go Find them, Bind them, and get Referred by them.