[sugarwood]

Originally Posted by Rick Lee

First one was in one of the worst ghetto apt complexes I've been in, and that's saying something. I wanted a rifle, not just a pistol. Anyway, lady was 63, pretty normal looking and in good health, apt. was sketchy, but not too bad. She went on and on about how she had $100k whole life for $75/mo and had had it for a long time. She wouldn't go get the policy papers to show me. So I asked if the price had ever changed. Yup, goes up every five years. Ok, that's not whole life. It's probably term. I told her it would cancel her around age 80 if she didn't quit first once it got too expensive. She didn't believe me, said they told her she could "convert it to something" once she turns 70. Again, lady, that's not whole life. You're on a low, fixed income and you have a likely term policy that will absolutely skyrocket in price, making you quit. At that point you may be able to afford a tiny whole policy IF you're still healthy. I knew it was a lost cause, but only stayed as long as I did, hoping her daughter in the next room would overhear us and later ask her mom what she really had.

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Did you ask her why the mailed in a lead card, and why she wanted you to visit her home in the first place? When you asked, "How can I help you?", what did she say ?