My process includes asking lots of questions and listening to my clients. At the beginning, I ask what type of Insurance coverage they're looking for (sometimes they know exactly what they want and sometimes I need to help guide) and what's the purpose of the coverage. Next, I'll ask pre-qualifying questions in order to find the very best personalized fit for their Insurance needs. This is particularly helpful since I'm an Independent agent and have a plethora of options to shop around on my client's behalf. Then, I'll come back with the top options which typically include a price range. I'll share and explain the different options and their premiums and then I'll ask them "How does this look budget-wise? I'll listen to their answer while letting them know that some coverage is better than no coverage (something is better than nothing) and whichever option we choose, it has to fit their budget. Typically, there is a sigh of relief as my client realizes I'm genuinely here to help (without pressuring), in order to ensure their loved ones are protected.