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As a debit agent for 28 years every policy was sent to the office for the agent to delivery ok- fine. Now as 1099 have most policies send to the insured.I have always elected to personally deliver policies.. However, with the language many FE companies are adopting that the coverage does not begin until the policy is delivered, I am thinking of having the company mail the policies direct to the client. Do you mail or deliver polices? Has anyone noticed any difference in persistency one way or another?