We all get nsf's as its a fact of the Fe business. The last few months what I've tried to do is take 1/2 a day a week and load my early nsf(from the first draft to maybe the 3 rd draft) is I load them in my Gps and just show up at the door. They're startled to see me unannounced and almost feel ashamed .I look them in the eye and say"Your bank must have screwed up your draft as we sat here 30 days ago and you made a promise and commitment to your husband or child to not leave a burden on them". Isn't that correct ?And they say yes.Then I say"When you hired me I made a commitment to your family that I'd be here to deliver a check if anything ever happens".I then say I have a duty and obligation to fulfill what I promised. Now this next line really works. If something happens to you do you want your son to find the policy and call me and I have to say "sorry your mother never kept the policy".I then tell them those tears will turn to anger.Ive seen agent 5 say it's not just what you say but how you say it and that's so true.I use several levels of enthusiasm to deliver my pitch thus keeping the attention of my prospect and controlling the whole sales pitch from the start till I walk out the door with the check in hand.