You pay high commissions to the sales people. You make it worth their time to make calls, and get business. It doesn't take a rocket scientist to figure out if you pay the sales people a big chunk of the firs years proceeds and a annuity every year the customer renews that it is better to have a piece of something than all of nothing. You build the business on what SALES NOTHING BUT SALES, so you don't kill you business by paying hardly anything for a salesman. Remember they must make decent money or why waste their time. Lets say mom and pop pays $250.00 a year all at one time and you pay the salesman $200.00 first year and 7% each year they renew. You make $50.00 but you build a base and each year thereafter the profits almost quintupile as now you pay $17.50 per customer that renews hmmm big jump in actual retained earnings. Same for commercial customers the bigger the accounts pay 85% first years payment, and what a nice return the next year. You build it by paying out money to those who can sell, not difficult to figure out is it?