My persistency by far the best with United . It always has been . And that's always the case when I work leads . Few few will switch from United to another carrier even if benefits much better . That's when you have to flip United to United . And this yr they added additional products and kep old plans thus moving plans as been easy .You could be right about that. UHC easily has as many (or more) options in my market, yet persistency is much better (at least it appears to be right now) with it and also my other contracted carriers that I use. I'll ask the member what the envelope looked like.