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whats up youtube my name is kenny j the insurance guru and this is kenny jtv [Music] welcome back to another insurance video if you are new to my channel feel free to browse around where everything here is everything insurance and if you havent already dont forget to hit that subscribe button and hit the bell for my latest notification as you can tell by this video im freestyling this video pretty much i got a huge appointment today a direct appointment with a really huge carrier that ive been working with for some time now so when i first started my agency i did have a few direct appointments for homeowners insurance auto insurance commercial and all my life appointments are direct appointments but what ive seen and what ive learned is when starting an agency a lot of the bigger companies the insurance companies wont give you that direct appointment because you have no business on your book and they dont know if youre going to meet that premium requirement so what i did i j