lapses from 1970 still count against you. Multiple agents quit leaving manager to run multiple debits during which the sales never helped you Bc of the enormous amount of lapses due to agent not showing up or quiting. No bank draft. New management at the branch I was at was terrible. Started doing lapse relief. Not all agent are licensed but are able to solicit insurance. Force agents to push fire insurance which doesn’t cover anything unless the house completely burns down. Inhouse underwriting. No check on health of client at signing.