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I tend to agree with you and Rearden. Same market calling an 800# off of a commercial during Judge Judy. Or sending in a half dozen FE cards.
Ditto. If you buy your Life Insurance at WalMart, you are (by definition) not a sophisticated buyer. You probably are, or soon will be, in the typical FE demographic anyway.
I think the smart FE agent views it as leverage instead of competition .
Walmart Life insurance is like Bankers, United American, and Lincoln Heritage. Great replacement opportunities.