First of all, who says you can't cross sell those items with FE? Second, if you are loosing 30% of the business before the end of 2 months you are doing something wrong. JD writes a good sized volume of FE (more than most) and I believe he stated on the forum that he has about 90% persistency with his primary carrier. And, believe me, the day you quit writing med supps, you will be surprised just how quickly that income flow will drop..I have been there, done that, got the tee shirt.If you write the same amount of Premium? Here is the problem with that if I write 10 med sups, the AV is $14,400, I will make $12,960 over 3 years (I'm in MI) years 4-6 12%, if I write 10FE I will make maybe $4,500 and about 30% won't make it to month 12, with FE you need to do volume and you need to keep doing it year after year, with Medicare you need to be steady and it will build an income machine, also with Medicare you can X-sell dental, life, cancer,