Newspaper ads for life insurance. Effective?

RFS does a lot of mailings to agents in an attempt to recruit producers. Some of their marketing techniques and literature does not always meet the carrier guidelines and has created some conflict in the past.

One such technique is to offer a free living will (fill in the blank form) as an enticement to grant an appointment to discuss life insurance.

They target mostly agents and buyers interested in simplified issue life insurance and especially ROP term. Some of their methods, although occasionally questionable, are geared toward the (mostly) unsophisticated buyer.
 
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