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Are you saying that more people die in the 1st 2 years with Gerber than they do with GWIC?Screw Gerber . 100% first yr chargeback and 50% second yr on death . I write great western on all with 12 month chargeback . That’s all throwaway business for me as persistency is atrocious . I was looking at my 5 yr Gerber business one time and I bet 35% lapsed in the first yr . The billing is so bad and many people had direct express cards. I also seemed to have a lot of deaths in first 2 yrs