17d • General discussion
Chargebacks!!! Don't Be Fooled!!
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.
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Chargebacks!!! Don't Be Fooled!!
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