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I have a question on the 45 day notices and who is receiving them. So if a customer currently has insurance but they are up for renewal in 45 days and we have not received anything from the insurance agency or the customer indicating that they have paid their renewal or have cancelled is this when we would start the letters and the 45 day timing? I’m just thinking we will have lots of customers wondering why we are sending letters out when they are going to renew or their insurance company is just slow in getting paperwork to us. I can also see this as a lot of work getting letters out. Did I understand this correctly?
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