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all right i want to do a little training topic here on replacing slash upgrading uh this is a very important topic a lot of new agents definitely need to spend some time learning this taking notes on this and getting you know familiar with it experienced agents as well we run into people all the time that have been selling insurance for three or four years or even longer and theyre not necessarily upgrading policies on a consistent basis and you know just want to use this training as a way to explain it to you maybe give you a better understanding and allow you to to pick up some of that money you could be leaving behind um you know first and foremost i want to cover some disclosures uh anytime i do a replacement scenario im usually talking about a make-believe client a make-believe policy uh so for the sake of this video its the best thing for the client right but whenever youre out there and youre actually sitting down with mr johnny or miss mary make sure what youre doing is i