There is definitely an art to getting the client to come out with their current policy. I usually get a variety of excuses like, "I'd have to look for it," or "My daughter keeps all of my papers in a safe deposit box." I think a lot of times they have a feeling that the coverage is not what they think it is, and are simply not wanting to face the issue and contemplate making a change on something that they've spent years of time and money on. They could of course also know that they don't have any current in force coverage and don't want to be embarrassed.