On Average I work 75 hours a week. I run our agency 24/7 clients call at all hours yes even 3 a.m. calls I take and have ran to the office to take payments at that hour before. But I chose to work those hours I love the insurance industry and nothing makes me happier then to have a client call and think they will get voicemail and I answer the phone the retention and referrals sure pay off by doing this.
Insane, while retention is important, new business is more important. Pay a call center to take your calls and rest up! Because when you stop taking those calls the clients have come to expect you'll lose them anyways.