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The insurers were making easy money a few years back, now they are struggling to get the new business targets. Well maybe you should have come out and looked after us during LIF! I say sucked in. I have never had some many calls from BDMs, oh Im calling to see how I can help you in your business...really? How prey tell will you help me ? Oh lets look over the client base see what opportunities are there, yes I havent done that...geezuz. All this help for my business from all these BDMs, but the thing is its all just talk, I dont want a BDM I want reduced premiums for my clients.