Take into account postage rising and response rates falling the last 3 yrs . Add in more and more fe seniors online filling out ads . 10 years ago a fixed cost dm lead that said “ life ins “ was $25 . Today that same lead avg’s $45 min nationwide . As Josh said some places it’s $63 . Fmo’s are going to have to start subsidizing some of this cost increase . The days of buying 50 leads a week with an appointment setter and just working the set appts are over . You won’t net squat .