How do you diffuse the prospect who wants to challenge you? I will volley with them a few times and then move on. Most of the time I remember a snappy comeback . . . but only AFTER I have hung up. Here are a few that have been successful. All carriers are the same. You are correct. That is why I only use one carrier. The last time I had (insert carrier name) they didn't pay my claim. So which carriers do pay claims the way you want them to? I really need a copay plan and a lower deductible. My wife just loves it when I find clients like you. She can spend more time at the mall. The small commission checks I earn when a client buys a high deductible plan just don't last as long. I just got a rate increase and I didn't even use the plan last year. I feel your pain. The last time I filled my tank, gas was $3.49 a gallon. Today it was $3.58. I think the oil companies are in cahoots with the carriers to stick it to us. I don't need a plan with Rx benefits since I don't take any medicine. Good for you. Which carriers allow you to buy homeowners insurance after your house catches fire? If your plan doesn't cover (insert medicine name) then why do I need your plan? What was I thinking? Your medicine is $180 per month, but I can show you how to get the same for $110 per month . . . even less if you want generics or equivalents. I have another plan that is $150 per month more and will cover your meds, after you satisfy the $500 Rx deductible. Once you do that, your monthly copays will run you $100 per month. I don't mind the higher deductible, but I still need my copays. How much is your copay for brakes, new tires or gutters for your home?