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I wish them luck on it. Common sense would serve them well though...While I can appreciate your skepticism, I'm positive it works. I doubt it works with all lines, but I'm sure this type of analytics works. It's very easy to say it's happenstance and of course this isn't taking into account their current carrier and rate increases, but it's entirely possible there are trends if they're actually measured and tested. When Medicare, maybe it's happenstance, with final expense, maybe it's more predictable. No way too know for sure unless it's tested. Coincidentally, they're only interested in testing this platform right now, not even selling it unless it is viable.