The most common reasons are a draft date that misses the client’s Social Security deposit, a premium that is too high for their budget, and leads from sources that buy on impulse. Aim for 13 month persistency of 85% or better. Below 75% is a red flag.
Set the draft for the day after their check lands. Ask which Wednesday they get paid if they are on Social Security.
The same agent can see a 15 to 25 point gap in persistency between lead sources, so track lapses by where the lead came from.
Call every new client in the first 30 days. A short thank you call catches problems before the first missed draft.
Updated October 2026. Industry ranges from public lead and commission guides. Your results depend on your carrier, contract, and dialing.