Lost a $3M term case to USAA this week on a guy shopping for price only....dumb.
So call him next year when maybe someone else is cheaper, or at least cheaper if he switches now and keeps for the entire term rather than attempts to buy later. Shoppers are usually really predictable, and a sucker for gimmiks. Even if they don't grace you with their hard earned (yet suprisingly easily spent if you know how to work their hook) dollars today, you can always come after them later; they're usually willing to play the game.
People might think I'm terrible for saying that, but anyone who has been in this business, or been in a sales (especially retail) environments before knows what I mean. The ones that try to come off all savvy, are usually the ones who fall for the most simplistic marketing tricks.