Insurance salemen that I have known thru the years work very hard to get new policy holders as a percentage of premiums paid goes directly to the salesmen!!...This payout continues into retirement of the salesmen unless policyholder cancels policy!!...Now with Lockbox/PHR not being the most likely to be cancelled then I believe salesmen will really be after clients to get on board!! I only hope Bob&Co. and Chartis provided a decent commission for the salesmen!!...That dollar figure will determine the incentive for the salesmen to participate!!...I hope they were generous with the salesmen!!....We will see!