Always congratulate them on having Insurance. Tell them what a great decision they made to protect their family. Then explain to them that most people you meet with are responsible just like them. With the cost of living going up and funerals cost rising every year it's good to leave a little extra coverage to protect your family. I'm here to help you find the most affordable solution. So let's just take a look and see if and what you qualify for and we will find something that fits into your budget. Does that sound fair?