insurance agent called "you can save a lot of money" by

I worked in insurance for almost 30 yrs, most of that in DH's office.  When he retired I went to work for another agt.  One of the reasons I retired after several years was because I couldn't make those type of phone calls. My conscious wouldn't let me try to convince someone that saving a few dollars a month was worth increasing their deductible or lowering their liability limits.  

When I had a client that wanted to increase their deductible I always asked if they had that additional $500 today to pay out if they had a claim tomorrow.  95% of the time the answer was no.  Suddenly that $10 or $15 a month wasn't so bad.