I did a postcard mailing a few months back and now realize the reason it failed is because I didn't target T65 at least 6 months out. Chazm told me he did this and he was right. Today I saw 2 ladies, 1 with a March birthday and 1 in April. They are getting bombarded already. While I was there one of them got 3 calls and the other got 2. They were phone sales and they used scare tactics to get the application. Told them they had to make a decision now to lock in the rate. I thought most companies won't accept apps until 90 days out so what do they do with them.? Also they would get the rate approved at the issue date after rate increases coming up. One off the ladies wants a Plan N. The agent told her not to buy that because of the excess charges. Really stressed how a doctor could charge an additional 15%. My Dad had a Plan C and never in 23 years until he died saw a doctor who charged him extra so to make it sound like a common occurrence is BS. Today really opened my eyes to how much someone T65 is overwhelmed by all of the calls and mail.