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I understand that, we each have our limits. If someone takes the time to drive to my agency (we are not visible from the road), I am going to help them. Just for the sake of reputation and future business. These people can be cross sold later or that same day.
I just enrolled a family of three this morning who was referred by someone I helped that ended up going on the state insurance due to pregnancy. Had I refused to help the pregnant lady for the 15 minutes that it took me to enroll her (because that doesn't pay commission), it is unlikely that she would have referred me to anyone. The family this morning bought a product that still pays a decent commission.
I am not seeking out U65 business at all anymore though. No ads or flyers, no marketing, no seeking out or buying leads. We are done with that. We will help walk-ins, existing agency clients and their referrals, that is how we are playing it it as an agency.
Help People? 100%! But don't attach your NPN and take on liability without compensation. Free Advice sure...