The Agency I Was At Had a 74% Chargeback Rate… Read This I want to share something real—because a lot of new agents are walking straight into this without knowing what’s on the other side. I was at an agency where the average chargeback rate was around 74%. Let that sink in. That means the majority of the business written… didn’t stick. Why was it so bad? The entire system was built around volume, not quality. - The dialer would call 20 people at once - Leads were getting hit by multiple agents constantly - People had no idea who you were or why you were calling - Conversations felt forced from the start The lead quality was honestly terrible. You weren’t building trust…You were trying to force a sale before someone hung up. And yeah… people were making money upfront. But what nobody talks about is what happens after: 👉 Policies cancel👉 Chargebacks hit👉 Income disappears👉 Agents quit It’s a revolving door. What got me in? Same thing that gets a lot of people… - Flashy cars - Nice watches - Big income claims - “Plug into the system and you’ll win” It looked like success. But looking back… it was all surface level. Here’s what I learned the hard way: If the system is built on: - Low-quality leads - High-pressure sales - No real relationship with the client It’s not sustainable. I don’t care how good the script is. Real business looks different: - Clients actually know who you are - They trust you before you ever talk numbers - The policy makes sense for their situation - And most importantly… it stays on the books I’m not saying every lead system is bad… But if you’re in something where: - Everyone is dialing like crazy - Chargebacks are through the roof - And nobody is talking about long-term retention You need to take a step back and ask questions. Anyone can show you a lifestyle. Very few people show you what it actually takes to build something that lasts. Don’t get distracted by the image. Focus on the foundation.