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I take a slightly different approach than Dayton. If they want F I make sure they understand how it works and give them some rates. When it appears they are ready to buy I say this.
Do you mind if I show you something almost all of my clients have? This may or may not be for you, but give me two minutes to explain a comparable plan with a lower premium. If you still want the F plan we can start the app.
No selling ever, but I do give them what they want and then circle back if they reject G.
Almost every time they buy G.
That's my way too. I don't want to just write the F and then be exposed to some other agent teaching them how much more G will save them. Teach them about both if they still want F, write the F.